Brotherhood Mutual

Eastern Region


Mid-Sized Agency of the Year

Family​ Owned Christian Agency in Business for Over 50 Years

Thomas K. Alexander Insurance Agency  has been in business for over 50 years. Our agency is a family based, christian agency that works directly with individuals from personal lines, churches, christian camps, christian schools, religious non-profits, small businesses, life insurance, and much more.

On the surface all insurance agencies may look the same, but if you pick up the phone and give us a call, you'll find that our customer service is like no other. We at Thomas K. Alexander Insurance Agency pride ourselves on our dedication to your personal service and costumer care. We work around the entire state of Ohio and will go anywhere in Ohio.

Insurance should never be complicated, we are always a call away. Please feel free to call us with any questions or concerns you might have.


Bearing the Weight of Winter 2021

The weight of ice and snow can damage roofs and gutters,

sometimes leading to a complete roof collapse. In areas

that have snowy winters, this is a problem that has the

potential to be both costly and dangerous.

Several factors determine how vulnerable a roof is: the

amount of snow and ice, the amount of water in the snow,

the condition of the roof and rafters, the type of roof (flat

or sloped, steel or shingled), the load the roof was built to

withstand, and more. 

According to the Insurance Institute

for Business and Home Safety (IBHS), most roofs are

designed to support at least 20 pounds of snow per square

foot. That’s roughly equal to:

• Four feet of new snow.

• Two feet of older, more watery, dense snow.

• A four-inch-deep chunk of ice. 

A roof that was built to meet local building codes and is kept

in good condition is less susceptible to collapse. But extreme

loads, especially when left on the roof over time, can weaken

a roof, potentially leading to damage, sagging, and collapse.

Have the roof inspected regularly. A roofer or

engineer can point out trouble spots and suggest

repairs before the rigors of winter arrive. Also ask the

contractor to check roof trusses and decking.

• Clean gutters and downspouts. Obstructions like

twigs and leaves can cause water to back up, freeze,

and form “ice dams” in gutters and downspouts. Ice

dams can block water’s path toward the ground,

potentially forcing water upward beneath shingles. Ice dams also may build up to become heavy icicles

that weigh down gutters. Flat roofs have drains that funnel water toward the ground. When these drains become clogged, melted snow can get trapped on the roof. Cleaning gutters, downspouts, and drains twice each year helps to avoid issues.

Insulate and ventilate the attic. Warm air leaking

into the attic tends to rise toward the roof. When

there’s no place for warm air to escape (such as a

ridge vent), it can collect near the roof and melt the

snow closest to the roof’s surface. When this water

re-freezes, it can form ice dams on the roof that

prevent snow from sliding to the ground.

Insulation can help keep warm air out of the attic—

saving on heating bills and warding off ice dams. Ask

your local building department how much insulation

your attic needs. Try to eliminate warm air leaks from

sources such as HVAC and exhaust ducts. Replace old

recessed light fixtures with newer, sealed fixtures that

can be covered with insulation. Ask a roofer to assess

ridge vents, eave vents, and roof vents to make sure

there is enough ventilation in the attic. 

Clear the snow and ice. Keep an eye on the roof

when snow piles up. If an excessive amount falls, or the snow is blocked from sliding down the roof, it may be time to take action. Do not climb onto the roof to remove snow. On sloped roofs, consider using a long-handled roof rake. With your feet firmly on the ground, use the rake to clear snow approximately two to three feet above the edge of the roof, freeing a path for the remaining snow

to slide to the ground. Be careful to avoid damaging the roof while clearing snow. On flat roofs, it’s best to call a roofer or another

contractor to ease the load. Climbing onto an

already-stressed and slick roof can be dangerous, and professionals should have the tools and expertise to safely clear snow.

• Waterproof the roof. If you plan to replace or repair

a shingled roof, ask the contractor about installing a

waterproofing membrane under the shingles. When

water backs up behind an ice dam, it can creep under shingles and into the interior of the building, where it

can cause serious damage. A membrane adds a layer of

protection between the building and the elements.

• Call an engineer. If you suspect your building has

been damaged by a roof overload, contact a structural

engineer. An engineer can assess any damage and give

advice on how to proceed.

      Wintry weather can pack a heavy punch. By taking preventive steps to protect your roof, you’ll give it the best chance to withstand winter’s chill.

Before We Gather

       In preparation for resuming normal ministry operations, many ministries are asking if they could be held liable if individuals become ill with COVID-19 after attending ministry in-person activities. While it is possible that a ministry could be sued in connection with the transmission of COVID-19, the likelihood of such a lawsuit being successful seems relatively low. In order for such a lawsuit to succeed, the person bringing the suit would likely need to show that he or she actually contracted COVID-19 within the ministry’s building or at a ministry-sponsored activity. Even if someone were able to show that they contracted COVID-19 within a ministry’s building or during a ministry-sponsored activity, they still would need to show that the ministry’s actions or lack of action actually caused the transmission. With the prevalence of COVID-19 in many communities and how easily it is spread, it likely would be very challenging to establish this. Further, the potential existence of the presence of COVID-19 in any public setting is widely known and individuals that voluntarily attend ministry activities likely have assumed the risk. However, it is important to note that this is a new situation from a legal perspective, and it is unclear how all of this would play out in an actual court case.

       Ministry leaders are encouraged to prepare and take steps to reduce the spread of COVID-19, which should serve to also reduce the risk of liability. It is important to note that acting contrary to government directives and recommendations may increase a ministry’s risk of liability. Ministry leaders are encouraged to seek guidance from a local attorney to determine the best course of action in relation to resuming their ministry’s normal operations.

Resources on Resuming Normal Operations