Massachusetts Homestead Act

The Homestead Act is designed to allow homeowners in Massachusetts to protect their primary residence against subsequent attachment, levy or sale to satisfy debts up to $500,000 …

Massachusetts Homestead Act

The Homestead Act is designed to allow homeowners in Massachusetts to protect their primary residence against subsequent attachment, levy or sale to satisfy debts up to $500,000. The Homestead Law does not protect against: taxes or mortgages used to purchase the residence. Homeowners must file for the Homestead Act with The Registry of Deeds office in the county in which the residence is located.

Massachusetts charges a one time Filing Fee of $35 for a Declaration of Homestead.

Registry of Deeds Links:

Registry of Deeds Offices:

District/County:

Located in:

Barnstable Barnstable
Northern Berkshire Adams
Middle Berkshire Pittsfield
Southern Berkshire Great Barrington
Northern Bristol Taunton
Southern Bristol New Bedford
Fall River Bristol Fall River
Dukes Edgartown
Northern Essex Lawrence
Southern Essex Salem
Franklin Greenfield

The Homestead Act
Questions & Answers

La Ley de Protección de Hogar Seguro
Preguntas y Respuestas

City/Town to Registry Guide

District/County:

Located in:

Hampden Springfield
Hampshire Northampton
Northern Middlesex Lowell
Southern Middlesex Cambridge
Nantucket Nantucket
Norfolk Dedham
Plymouth Plymouth
Suffolk Boston
Northern Worcester Fitchburg
Worcester Worcester

Massachusetts Deed
Indexing Standards
(PDF, 276 kb)

Massachusetts Document
Formatting Standards,
Effective January 1, 2008
(PDF, 12 kb)

Massachusetts Excise Tax Time

In an attempt to de-mystify the annual, pesky Massachusetts auto excise tax we offer the following excise tax information:

The excise tax rate is $25 per $1,000 of valuation (NADA) subject to the following percentage formula:

In the model year: 90%; second year: 60%; third year: 40%; fourth year: 25%; fifth year & beyond: 10%.

Massachusetts Excise Tax Formula

In an attempt to de-mystify the annual, pesky Massachusetts auto excise tax we offer the following excise tax information:

Excise bills are prepared by the Registry of Motor Vehicles according to information on the registration. They are sent to city/town assessors who commit them to local tax collectors for distribution.

The excise tax rate is $25 per $1,000 of valuation (NADA) subject to the following percentage formula:

In the model year: 90%; second year: 60%; third year: 40%; fourth year: 25%; fifth year & beyond: 10%.

If you have turned in your plates on the vehicle you are getting excise taxed on, or if you have transferred plates and got rid of the vehicle, you may be eligible for abatement . Abatement instructions are located on your excise tax bill.

Heading to Florida?

If you have your own MA personal auto insurance policy then your coverage will follow you in the United States, U.S. Territories, Puerto Rico, and Canada …

MA Auto Policy On Vacation

Before relaxing on a long vacation, there are many things you need to think about: airline tickets, hotel reservations, and car rental. What about your auto insurance coverage?

If you have your own MA personal auto insurance policy then your coverage will follow you in the United States, U.S. Territories, Puerto Rico, and Canada.

If you travel to Bermuda, Europe, Mexico or other international destinations, you MA personal auto insurance coverage will NOT follow you and you will want to purchase coverage from the rental company.

Give us a call to see if the coverage you carry is adequate or give us a click for your free MA auto insurance quote!

What to do if in an auto accident

Knowing what to do if you are involved in a car accident will help you to remain calm.

Knowing what is expected can help make a stressful and unpleasant situation more bearable and help you avoid unnecessary liability, time and expense …

Johnson & Rohan Insurance What to do if in an accident

Lynnfield, MA – March 5, 2015  Johnson & Rohan Insurance Web Log

Did you know that if you are involved in a minor fender bender and leave the scene of the accident without contacting the police, you may be breaking the law?

Knowing what to do if you are involved in a car accident will help you to remain calm. Knowing what is expected can help make a stressful and unpleasant situation more bearable and help you avoid unnecessary liability, time and expense.

1. Call the police. If you are involved in an auto accident, either you or someone who is with you needs to call 9-1-1 immediately. Even if you have not sustained injuries or property damage that you are aware of, you must still wait for the police to arrive so that you can report the accident.

2. Do not talk about the incident to anyone. Speak only to the responding police officer. And call your insurance agent right away.

3. Be polite, even if you are really upset. When people get in car accidents, they are often more reactive than normal. Don’t start blaming the other driver. And if the other driver is rude to you, get in your car, lock the door, and wait for the police to come.

If there is a question about who was at fault in your accident, being overly emotional may potentially bias the reporting police officer against you to the point that he or she could give the other driver the benefit of the doubt.

4. Get all contact information from all drivers:

  • Full name
  • Address
  • Phone number and email
  • Insurance company’s name (and phone number if possible)
  • Insurance policy number

5. Be respectful to the police officer completing the accident report. You don’t need to go into great detail about what happened. It is probably better not to, because you may not be thinking straight and these reports are very hard to change after the fact. They will, however, be used as evidence by the insurance companies. Be cooperative and calm.

6. Take photographs of both vehicles and the scene of the accident. If one or both cars were totaled and you have no camera or cell phone, you can find out from the reporting officer where the cars are going to be towed and go to the lot later and take photographs of both the inside and outside of the cars. Pictures can help either prove damage or disprove damage.

7. Call Us and report the accident as soon as possible with detailed specifics. You will need to tell your insurance company the following:

  • How the accident happened
  • Time and location of accident
  • Motor vehicles in the accident – cars, trucks, bikes, etc. Include the make and model of each car involved
  • Contact information for those in the accident
  • Injuries sustained in the accident
  • Witness contact information
  • Police report number, police jurisdiction in which the accident occurred; your insurance company will need the police report number to investigate any claim

8. See a physician immediately or as soon as possible after the accident. Even if you believe you have only a few bruises, it is important to document all injuries, no matter how minor.

If you have sustained serious injuries, documenting the injuries, including taking photographs of the injuries, can play a significant role in any insurance settlement.

The above information will help you streamline what can be a complicated, scary and confusing process.

We Are Here for You Before, During and a Car Accident

Johnson & Rohan Insurance is with you every step of the way. We help make sure you have the proper auto insurance coverage and help you through the claims process if you’re involved in an accident.

RMV Online

The Massachusetts Registry of Motor Vehicles’ website might save you a visit to a branch location: MassRMV.com.

Some of the services offered include: cancel your plates, change your address, renew your license, and renew your registration.

Johnson & Rohan online RMV links

The Massachusetts Registry of Motor Vehicles’ website might save you a visit to a branch location:  MassRMV.com.

Some of the services offered include: cancel your plates, change your address, renew your license, and renew your registration.

Johnson & Rohan Insurance’s links and listings of the RMV’s online services:

License/ID –

Registration/Title-

Renewal

Duplicates

Plates

Check My Status

Other-

Tips for removing ice dams

You can help prevent serious damage to both the roof and inside of your home by minimizing the likelihood that an ice dam will develop, and by removing one as soon as you spot it …

MA Home Insurance Ice Dams

The Travelers, one of our partner companies, recently published the following information about ice dams:

You can help prevent serious damage to both the roof and inside of your home by minimizing the likelihood that an ice dam will develop, and by removing one as soon as you spot it. Ice dams can form when water from melting snow re-freezes at the edge of your roofline. Without roof snow removal, an ice dam may grow large enough to prevent water from draining off the roof. This water can then back up underneath roof shingles and make its way into your home.

How to Help Prevent an Ice Dam from Forming:

  • Remove snow from your roof after every storm. To begin with, use a roof rake to clear snow from the edge of your roof upwards of three to four feet immediately after each storm. In addition to helping prevent an ice dam from forming, this will lessen the stress on your home’s roof. The amount of snow and ice your roof can support will depend on a number of factors, including the roof type and the age and condition of the structure. But a good rule to keep in mind is if more than a foot of heavy, wet snow and ice has accumulated on your roof, you should have it removed.
  • Clear downspouts. An easy way to help snow and ice drain off your roof is to make sure the area around your downspouts is clear. This can help prevent standing water from collecting near the gutter downspout.

How Do You Know if You Have an Ice Dam?

  • Look carefully at the icicles around the exterior of your house. If they are confined to the gutters and there is no water trapped behind them, then an ice dam has likely not formed. Nonetheless, icicles can pose a danger to people when they fall off, so try to safely knock them down while standing on the ground, making sure not to stand directly beneath them. If you cannot safely reach them from the ground, consider hiring a contractor to help.
  • Check for water stains or moisture in the attic or around the tops of exterior walls on the top floor of your house. Stains and moisture may indicate that an ice dam has formed and water has penetrated the roof membrane.

How to Remove an Ice Dam:

  • Melt the ice dam. Fill a nylon stocking with calcium chloride ice melt, and place it vertically across the ice dam so that it melts a channel through the dam. If you try this, make sure you can safely position the ice melt on your roof, and make sure to use calcium chloride, not rock salt. Rock salt will damage your roof. Also, be aware that shrubbery and plants near the gutters or downspouts may be damaged.
  • Get professional help. If you cannot safely reach the roof, avoid using a ladder in snowy and icy conditions. Consider hiring a contractor to remove the ice dam.

Long-term Tips for Preventing Ice Dams:

  • Insulate your attic. Make sure your attic is well insulated to help prevent the melting-and-freezing cycle that causes ice dams to form. Check and seal places where warm air could leak from your house to the attic, including vent pipes, exhaust fans, chimneys, attic hatches and light fixtures.
  • Install a water-repellent membrane. When replacing a roof, make sure to install a water repellent membrane underneath the shingles. This acts as an extra barrier that helps prevent water from seeping inside the building.

More Snow? Oh No!

We didn’t want to do it, but with more snow on the way, we offer our Johnson & Rohan Insurance Winter of 2014 – 2015 Snow Shoveling Tips …

Snow Shoveling Tips

We didn’t want to do it, but with more snow on the way, we offer our Johnson & Rohan Insurance Winter of 2014 – 2015 Snow Shoveling Tips:

The Basics
Snow shoveling can be compared to weight lifting, and in some cases, the aerobic aspect of this activity is similar to a workout on a treadmill! To help your body function on demand, consider the following …

  • Be heart smart! Don’t eat or smoke before shoveling snow. Avoid caffeinated beverages. These are stimulants and may increase heart rate and cause blood vessels to constrict.
  • If you experience pain of any kind, stop immediately and seek assistance.
  • Pace yourself during shoveling activities. Take frequent breaks and drink plenty of water. Snow shoveling is strenuous work, and it is important to re-hydrate your body often.
  • If the ground is icy or slick, spread sand or salt over the area to help create foot traction. Be aware that some areas may be uneven and could cause you to slip, trip, or fall.

Dress for Success!

  • Consider the weather when choosing outerwear. Dress in layers. Wear clothing that is easy to move in.
  • Wear a hat—a great deal of body heat is lost through the head.
  • If it’s icy cold, consider breathing through a scarf, but don’t let it obstruct your view.
  • Proper boots are essential for keeping feet warm and dry while appropriate soles provide traction. Good boots can help you maintain your balance!
  • Choose gloves that will keep your hands warm, dry, and blister free—consider thicker gloves, which allow for a good grip on the shovel’s handle.

Select a Shovel that’s Right for You
Shovels are made from different materials and come in many shapes and sizes.

  • Choose a shovel that is ergonomically correct—a shovel with a curved handle. Many hardware stores and home centers stock ergonomically designed snow shovels. These shovels help you to keep your back straighter reducing spinal stress.
  • Consider a shovel with a plastic blade instead of metal—plastic is lightweight—isn’t the snow heavy enough?
  • Sometimes a smaller blade is better. You will not be able to shovel as much snow per shovel load, but the load will weigh less, which puts less strain on the spine.
  • Get a shovel made to push snow. It is far easier to push snow than to lift it. There are shovels made expressly for pushing snow. See what is available at your hardware or home center store.

Once you have your shovel, you might want to consider spraying a bit of silicon lubricant on the blade. This can help keep the snow from sticking to the shovel. The snow will slide off the shovel blade.

Technique. Technique. Technique.

  • Warm muscles work better. So take some time to stretch to prepare your body for activity.
  • Just like with a golf club, hand placement on the shovel handle is very important! Don’t put your hands (grip) close to one another. Create some distance between the hands. This will give you more leverage and make it easier to lift snow.
  • Think about good posture and maintaining the natural curve of your spine.
  • Address your task directly. Stand with your feet about shoulder width apart to maintain balance. Try to keep the shovel close to your body. Bend at the knees—not the waist or back. Tighten your stomach muscles as you lift the snow. Lift with your legs—not your back. Do not twist your body. Dump the snow in front of you. If you need to move the snow to the side, move your feet—do not twist!According to the American Academy of Orthopaedic Surgeons, “If you must lift the snow, lift it properly. Squat with your legs apart, knees bent and back straight. Lift with your legs. Do not bend at the waist. Scoop small amounts of snow into the shovel and walk to where you want to dump it. Holding a shovelful of snow with your arms outstretched puts too much weight on your spine. Never remove deep snow all at once; do it piecemeal. Shovel an inch or two; then take another inch off. Rest and repeat if necessary.”
  • Don’t throw snow over your shoulder! Go forward with the snow.
  • Fresh snow is lighter in weight—so clear snow as soon as it has fallen. Snow becomes dense as it compacts on the ground. Wet snow is very heavy. One shovelful can weigh 20 pounds or more!
  • Pace yourself. Take frequent breaks to stretch your back and extremities.

Snowblowers
A snowblower is a terrific piece of machinery, but if it’s not used correctly, you can strain or injure your back. Snowblowers are designed to remove snow at a particular rate of speed. Pushing or forcing the equipment to go faster is defeating its purpose—to do the work for you!

Community Involvement
Not everyone is able to shovel snow or operate a snowblower. Consider the disabled and some in the senior population. Fortunately, many communities across the US have organized volunteers to help people who need assistance during the winter season.

Ice Dam Prevention Tips

Claims are no fun. One of the most common and repetitive causes of property damage to building interiors is water damage resulting from the formation of ice dams on roofs. Following please find some ice dam prevention tips:

Ice Dam Prevention Tips

Claims are no fun.

One of the most common and repetitive causes of property damage to building interiors is water damage resulting from the formation of ice dams on roofs. An ice dam is a ridge of ice that forms at the edge of a roof and prevents the water produced by melting snow from draining off the roof. The water that backs up behind the dam can leak into a home causing damage to walls, ceilings, and insulation.

While ice dams can develop as a result of multiple factors, the most fundamental causes are:

  • Heat leakage from the interior of the building into attic or loft areas that warms the middle and upper areas of roof decks (see causes of heat leakage below).
  • Snow accumulation on the roof surface which provides the potential for snow melt and re-freezing in the form of an ice dam. This problem can be amplified by lower pitched roofs.
  • Sustained exterior temperatures below 32 degrees which creates conditions under which snow melt water will re-freeze at the eave level of the roof.

Heat leakage can result from any number of factors common to residential properties:

  • An insufficient layer of insulation in the ceiling assembly below the attic or loft area as well as uninsulated or poorly insulated exterior walls.
  • Impoperly insultated recessed ceiling lighting fixtures.
  • Improperly sealed and insulated ventilation fans, heating and air conditioning ducts and plumbing vent stacks.

Strategies for avoiding water damage from ice dams take two forms; those that are intended to prevent the formation of ice dams and those that are designed to provide a reliable means for roof surface snow melt water to drain off the roof to prevent water accumulation behind the ice dam.

Prevent the Formation of Ice Dams

  • Provide soffit and ridge ventilation to create and sustain a flow of cold air along the bottom surface of the roof deck.
  • Increase the thickness of insulation in the ceiiling assembly below the attic or loft area.

Blizzard of 2015

If you are reporting a claim during off hours you can do so directly, 24 hours per day/ 7 days per week. Have your policy number ready and call …

Blizzard 2015

Here in Massachusetts, the Blizzard of 2015 is bearing down us.The National Weather Service has advised:

A crippling and potentially historic Blizzard will impact the area mainly from late today (January 26th) into Tuesday, lingering into early Wednesday (January 28th).

Blizzard Warning remains in effect from 7 pm this evening to 1 am EST Wednesday.

  • Locations: eastern and southeastern Massachusetts as well as all of Rhode Island.
  • Hazard types: Heavy snow, strong winds and blizzard conditions. Considerable blowing and drifting snow. Strong to damaging winds.
  • Accumulations: snow accumulations of around 20 to 30 inches. With locally higher amounts. Snowfall rates of 2 to 4 inches an hour at times.
  • Timing: while the storm is expected to begin late today and linger into early Wednesday, the worst of the storm will be tonight through Tuesday afternoon.
  • Impacts: Heavy snow and strong winds will result in White-out / blizzard conditions with near zero visibility. Travel will be impossible and life threatening across the entire region. Also snow may be wet enough to result in downed tree limbs and power outages in addition to the winds.
  • Winds: North-northeast 15 to 25 mph with gusts around 65 to 75 mph. The height of the winds will be late tonight into Tuesday.
  • Visibilities: one quarter mile or less at times.

A Blizzard Warning is issued when sustained winds or frequent gusts over 35 mph are expected with considerable falling and/or blowing and drifting snow. Visibilities will become poor with Whiteout conditions at times. Those venturing outdoors may become lost or disoriented, so persons in the warning area are advised to stay indoors.

All unnecessary travel is discouraged beginning Monday afternoon. To allow people already on the road to safely reach their destination before the heavy snow begins, and to allow snow removal equipment to begin to clear roads.

Storm Safety Tips:

  • Check your supplies.
  • Make sure you have a snow shovel and ice melt to keep walkways clear and safe.
  • Check that you have sufficient heating fuel for your home and fuel for your generator, if you have one.
  • If you will be using a fireplace or wood-burning stove, you should have a good supply of dry, seasoned wood.
  • Have warm clothing and blankets on hand and stock non-perishable food items and necessary medications to last you and your family several days.
  • Get ready for a power outage. Turn your heat up now and close off any rooms that are not in use.
  • Check pipe insulation and allow water to run at a trickle to prevent pipes from freezing.
  • Charge your battery-powered electronic and communications devices.
  • Get out your flashlights, batteries, first aid kit and other emergency supplies.
  • Don’t drive or go out unless absolutely necessary.
  • Test all of your smoke and carbon monoxide alarms to ensure they work properly.
  • Do not let candles burn unattended, and keep them away from combustibles.
  • Check on your elderly or disabled neighbors, friends and families.
  • Enjoy your family! Sometimes storms render the best family time memories.

Johnson & Rohan Insurance hopes everyone has a warm and safe Blizzard of ‘1

Available 24 hours per day/ 7 days per week!

If you are reporting a claim during off hours you can do so directly, have your policy number ready and call:

Premier/Travelers: 1-800-252-4633
Safety Insurance: 1-800-951-2100
Vermont Mutual: 1-800-435-0397
MPIUA: 1-800-392-6108

Otherwise if you would like to report a claim to our Agency, what kind of claim are you reporting?

Auto Claim Commercial Claim
Home Claim Other Claim

Safe Driving Tips

Safe Driving at all times is the best way to keep yourself and those around you safe on the road …

Safe Driving Tips

Safe Driving at all times is the best way to keep yourself and those around you safe on the road. In addition, having a perfect driving record can help you keep your insurance premiums low.

Johnson & Rohan Insurance offers the following Safe Driving Tips:

  • Do not talk on your cell phone while driving.
  • Do not text and drive.
  • Always turn on your headlights.
  • Obey the posted speed limit.
  • Stay focused on the road and minimize distractions.
  • Inexperienced drivers should keep passengers to a minimum.
  • Keep your vehicle in good condition.
  • Keep a safe distance behind other vehicles.
  • Be alert for other drivers who are tailgating, signaling inconsistently, turning abruptly, swerving and speeding.
  • Don’t be an aggressive driver.
  • Be aware of your surroundings and potentially dangerous situations.
  • Stay focused on driving and avoid distractions.
  • Never make assumptions about other drivers’ intentions.
  • Use your directional signals when you are going to turn, stop or change lanes.
  • Always try to brake smoothly and gradually; do not slam on your brakes.
  • Keep pace with the traffic around you.
  • Be on the lookout for animals at dusk and at dawn when they are most active.
  • Always adjust your speed for conditions, even if those around you do not.

A Special Note About Texting and Driving …

Texting and driving is perhaps the most dangerous form of distracted driving. Texting while driving places teens and adults alike—and others on the road with them—in serious danger. In fact, according to the National Highway Traffic Safety Administration, driver distraction causes 18% of all fatal auto crashes, and text messaging creates a crash risk 23 times worse than driving while not distracted.

Please feel free to forward these Safe Driver Tips to a friend.