Trinity Risk Services LLC

08/23/2026

07/31/2026

Auto Towing Claims - Is it worth it to file a Towing claim on your personal auto insurance? Only YOU can decide, but here's a quick story and one we see over and over again...John has towing coverage on his Auto insurance. He reports a claim and the insurance company reimburses him $101. The claim doesnt impact his current premium, but he is unhappy with his renewal premium so he asks us to shop his insurance. A new insurance company DOES charge him for the towing claim (or any other claim whether chargeable to his current insurer or not) and the otherwise great premium increases by, in this case, $400 for a claim worth $101. That's then a $400 starting point until the 5-year window expires. Wouldnt it have been more cost effective if John were to buy AAA at maybe $50/year? Consider the return on investment. Insurance is a mechanism to help pay for catastrophic events, not annoyances. Help us help you!

05/06/2026

I appreciated a paragraph in a commercial email I received today and thought it appropriate to pass along.

"The existing 25-year-old roof has reached the end of its lifespan. This important upgrade is a proactive investment in the safety, functionality, and long-term reliability of the facility."

Folks: At least once per day I hear someone say, I have no issues with my roof. It's not leaking so why would I consider replacing it. It doesn't matter if you are experiencing any leaks or concerns with your roof of 20+ years old. If you are in Western Pennsylvania, your roof, at that age, is nearing the end of its lifespan and you should be considering how to address this maintenance issue related to owning a structure, be it your home or a commercial building.

The 40 yr warranty that we see on shingle packets relates to a manufacturers defect, not to wear and tear or gradual deterioration, which are expenses of owning a home or property. About 1% of claims are attributable to warranty so don't hang your hat on wear and tear being under the warranty.

Finding replacement insurance for properties with a roof age in excess of 19 years is becoming increasingly challenging.

04/22/2026

The standard insurance companies that we all know of require that a property/home/dwelling be insured for Replacement Cost and there are fine reasons for that. But what if a loss occurs and the owner chooses not to rebuild. They wouldn't get the Replacement Cost as a payout, but only the Actual Cash Value which means RC minus depreciation which can be subjective. Is there an alternative? We have one now!

What if:

- The owner would purchase another property of similar value?
- They chose not rebuild the property?
- They were simply interested in covering their investment?
- They would replace the house with something more practical?
- Updated building codes hindered the potential to rebuild on the same property?

Interested in learning more? Do you have an example you would like to discuss?

Give us a call at 412-364-2164.

12/25/2025

Wishing our clients, friends, and neighbors a joyful holiday filled with warmth, peace, and time with those who matter most. Thank you for trusting us throughout the year — we’re grateful to be part of this community.

12/23/2025

Cold temps, ice, and freeze-thaw cycles can lead to hidden home damage if you’re not prepared. A few quick maintenance checks now can help prevent bigger issues later.

Take a look at the graphic below for simple winter prep tips—and don’t forget, melting snow can cause flooding even when it’s not hurricane season.

Stay warm, stay dry, Pittsburgh! 🏠❄️

12/18/2025

With Western PA temperatures swinging up and down, frozen pipes can become an invisible issue. Many times, the damage doesn’t show up until things start to thaw — and by then, water damage can be costly.

A few simple steps, like keeping your home at a consistent temperature and protecting exposed pipes, can make a big difference during cold snaps here in the Pittsburgh area.

👉 Check out the graphic below for tips on preventing frozen pipes and what to do if you suspect one has frozen.

Stay warm, stay safe, and here’s to getting through another Pittsburgh winter without surprises!