 you know throw everything on a credit card but let's go ahead and make sure we're keeping your credit in good check make sure you're upgrading your roof if you are getting it replaced like we always talk about that class four shingle a lot of roofers will do it for you if you have a claim replace your roof with that class four shingle so you don't have to replace it again next year or the year after it's just those little things call your insurance agent and don't hit the panic button and call insurance as soon as anything minor goes wrong that's the number one advice i can give you