Equal Opportunity in Housing Program
Thursday, September 28th | 6PM Registration | 6:30PM Program begins | Torrington City Hall
FREE & OPEN TO THE PUBLIC | PLEASE RSVP
Seating is First Come/First Serve Basis | Reservations are Strongly Recommended
Non-Members May Email Sdisalvo@gharonline.com to RSVP
Location: Torrington City Hall, 140 Main St. in Torrington
2nd Floor Auditorium/Council Chambers Room 218
Questions about the Program | Call 860-561-1800
This free public service program will present speakers for the purpose of educating tenants and landlords regarding their fair housing rights and responsibilities, as well as real estate professionals with their fair housing responsibilities.
Questions from the audience will be answered after each speaker presentation.
Some of the Topics of Discussion Include:
• General Overview of Fair Housing Laws
• Fair Housing Laws re Disabilities, Source of Income, and Families with Children
• New 2023 Laws Impacting Tenant Screening, Late Fees and Security Deposits
• New 2023 Laws Removing Removes Religious Exemption Discrimination on Sexual Orientation for 1 to 4 Family Owner-Occupied Properties
• Impact of Criminal Erasure
• Evictions Process & Updates
Speakers:
• Michell Dumas Keuler, Commission Counsel, Commission on Human Rights & Opportunities
• Bob DeCosmo, President, CT Property Owners Alliance, LLC
• Attorney Michael H. Clinton, Law Office of Michael H. Clinton, LLC
05 / Publisher ’ s Message
2023 New Laws Affecting Landlords
By: CTPOA
A new law in Connecticut that affects landlords and tenants will begin to be phased-in starting on October 1, 2023. The new changes are:
• Limiting the amount that landlords can charge for tenant screening fees: Landlords can now only charge up to $50 for a tenant screening report, plus any inflation costs.
• Return security deposits and interest within 21 days: Landlords who fail to return security deposits within 21 days are liable for double the amount of the deposit.
• Prohibiting landlords from charging move-in or move-out fees: Landlords can no longer charge tenants fees for
moving in or moving out of a rental property.
• Requiring landlords to offer tenants a pre-occupancy walk-through: Landlords must now offer tenants the opportunity to conduct a walk-through of the rental property before they move in. This will help to document the condition of the property and prevent disputes over damage.
• Sealing certain eviction records: Eviction records that resulted in a dismissal, withdrawal or judgment for the tenant will be removed from the CT Judicial Website within 30 days and may not be used by tenant screening companies.
06 / News & Views From The Capitol
• Capping Late Fees: Fees are limited to $50 or 5% of the rent whichever is less and the fee can only be assessed one-time
• Landlords of buildings (and owners of mobile home parks) with five or more units must provide tenants at the time of rental and renewal with a notice of the rights provided to elderly and disabled renters under C.G.S. 47a-23c (the “just cause eviction” statute). DOH is required to prepare and post a plain-language notice in English and Spanish.
• Discrimination based on sexual orientation: The exemption of one- to four-family owner-occupied buildings from the prohibition against sexual orientation discrimination is repealed.
• Security Deposit Guarantee Program: The bill expands the SDGP to any tenant with income below 60% of state median income. It continues to be available to any tenant served with a summary process writ or having a RAP or Section 8. The program is limited to its appropriated budget, however, and DOH is authorized to set priorities to stay within funding. A tenant with income above 150% of federal poverty level must pay
half of one month’s rent to obtain a guarantee
• Landlord incentives to rent to Section 8 and RAP applicants: DOH is required to create a program to encourage landlords to rent to Section 8 and RAP applicants. Refusal to rent to such tenants, however, remains discrimination under the state Fair Housing Act. DOH must also do a study of ways to make the application process more efficient and reduce the time landlords must hold units open during that process. DOH must also “affirmatively seek” to spend its full RAP appropriation every year and not to hold back any appropriated funds.
• Standard leases: DOH is required to develop and post plain-language form leases in English and Spanish.
Code complaint forms: Local code enforcement agencies are required to create code complaint forms in English and Spanish.
These changes are designed to protect tenants. If you are a landlord in Connecticut, it is important to be aware of these changes and to comply with the law.
07 / News & Views From The Capitol
Webinar Recap: The New UniteCT Eviction Fund
By: CTPOA
CTPOA hosted a webinar on September 7th to discuss the new UniteCT Eviction Prevention Fund. The fund offers up to 15 months of rent or $18,500 to prevent final eviction rulings in court for renters. The webinar was led by Seila Mosquera-Bruno, Commissioner of Housing for the State of Connecticut, and Marina Marmolejo, MPH, Director of Housing Innovation Program Manager for UniteCT. They discussed the eligibility requirements for the fund, the application process, and what landlords could expect. They opened the floor to questions and
discussion which attendees took great advantage of. As a real estate professional, you likely were wondering the same questions, and we have great news....if you missed it, the webinar was recorded!
The webinar was free for CTPOA members and can be rewatched for members in the CTPOA Resource Center. If this topic is of interest to you, you can access the full presentation (and all our previous webinars) by becoming a CTPOA member for only $99/year.
08 / Realtor Report
Landlords: Here
’s Why Your Tenants Should Get
Renters Insurance
By: Team Lemonade, with lemonade.com
Renting out your property to tenants can be a hassle, and often involves thorough screening of potential renters and checking off tasks on a neverending to-do list. The phone calls, back and forth paperwork, and overall bureaucracy involved with leasing out your place to temporary tenants is a minor headache, at best.
That’s why making sure your tenants are fully protected with their own HO4 insurance policy is a no-brainer. In fact, you probably should make your tenants’ insurance mandatory in your leasing agreement – that way, you can increase the coverage on your rental, and lower your costs in the long term. Think of it as another line of defense when there’s an emergency situation.
How does my tenants’ insurance help me?
When your tenants have their own insurance policy, it’s an additional layer of protection for you, the landlord. When unfortunate things like fire cause damage to your place, their renters insurance policy can help repair the damage, reducing the amount
you or your insurance company have to pay.
This keeps your own policy premium lower by reducing the claims on your insurance, and helps you avoid costly legal fees. And not to mention, it saves you a ton of time!
In addition, renters insurance will help keep your relationship with your tenants healthy, especially when a major damage or loss occurs. With renters insurance, you can avoid disputes over who has to cover costs of damages.
Oh, and one more perk: Tenants with renters insurance are less likely to sue you to compensate them for a loss. In fact, a survey by Joshua Tree Consulting estimated that landlords in large properties juggle eight ‘nuisance’ insurance claims per property each year.
What does renters insurance cover?
If your tenants choose to purchase a renters insurance policy, they will get three main coverages: personal property, temporary living
10 / Insurance Insights
expenses (also called ‘loss of use’), and personal liability & medical bills.
We’ll break down what each of these coverages mean for you, and your tenant.
Personal property coverage
Tenants tend to think that since they don’t own the place, they don’t need extra protection for their stuff. That’s a very common mistake, and it’s important the tenants know they won’t be covered if a kitchen fire damages their stuff, or their laptop is stolen. Your landlord insurance doesn’t cover the tenant, or the tenant’s stuff.
Temporary living expenses
Imagine this: a mysterious fire causes extensive damage to your building, displacing your tenants and damaging their stuff. Not only would this cost your uninsured tenants serious $$, but they would also likely need to blame someone for this incident, and that blame may fall on you.
In cases like these, your tenants’ renters insurance policies can come to your rescue. It can help pay for your tenants’ temporary living expenses, reimburse them for their lost items, and reshift the focus from you, to your tenants’ insurer.
Personal liability & medical bills
Let’s be real: There are many situations where personal liability coverage comes in handy – say, your tenant hosts a party and someone slips and falls, or their neighbor comes over to help make dinner and cuts their finger while chopping the salad.
Renters insurance policies include liability and medical payments to others, so if someone claims
to be injured due to your tenant’s actions or negligence, their renters insurance may cover legal fees and may also pay to cover damages they’re found liable for.
If it’s something small (read: under $5,000), their medical payments to others coverage will kick in, but if someone decides to take some unfriendly steps and sues your tenant, their personal liability coverage will have their back.
Liability coverage can make a huge difference when legal bills and medical fees start racking up! So if your tenant unfortunately caused damage not only to your home, but to other units in the building, they’ll be in a costly bind.
No one wants a bunch of insurance companies chasing them for damages they caused. Your tenant will thank you for making them get their own tenant liability insurance.
How does renters insurance help my tenants?
Making renters insurance mandatory for your tenants doesn’t have to be a deal-breaker.
Here are some of the benefits of renters insurance you should make sure your tenant understands:
11 / Insurance Insights
Renters insurance is affordable!
A common misconception about renters insurance is that it’s pricey, so communicate to your tenants that the average cost of renters insurance is probably lower than expected and that a very basic renters insurance policy can cost as little as $5 a month (thanks to the help of AI)! Most policies allow you to customize your coverages to fit your lifestyle needs, so renters insurance doesn’t have to be a significant out-of-pocket expense.
Renters insurance covers the tenant’s family
A renters policy may cover others living with your tenant, too! If your tenant is living with anyone related to them by blood, marriage, or adoption, they’ll automatically be covered by the tenant’s renters insurance policy. They’ll just have to make sure to get enough coverage for everyone.
They can determine just how much coverage they need when they add other people to their policy. If they’re living with their significant other, they’ll need to be added to the policy as what’s called an ‘additional insured.’
FYI – roommates aren’t covered by a typical renters
insurance policy. You’ll have to tell them to get their own!
Dog bites, check.
If your tenant has a dog, and you were wondering, “does renters insurance cover dog bites?” you’re in luck. If your tenants’ dog bites someone, their policy has them covered.
The cool thing about this one is it applies both when they are at home or at the park. There are two exceptions though: They’re typically not covered if the dog has a history of biting, or if the dog is categorized as high-risk or “vicious.”
Help your tenants help you
And that’s just a part of the benefits of renters insurance for your tenants. You can be an even better landlord if you help them figure out how much renters insurance costs. Everyone’s lifestyle is different, so be sure to help ‘em figure out what kind of coverages their lifestyle requires.
Part of figuring out how much coverage your tenants need is determining how much their stuff is worth. It’ll help them ensure their coverage amounts reflect the real value of their stuff.
12 / Insurance Insights
For More Information Visit Our Website: landlordcollections.net Give Us A Call: (800)-369-6153
Rental Upkeep Tips for Heading into the Colder Months
By: CTPOA
As the weather starts to cool down, it's important to take some time to prepare your rental property for the colder months. This will help to ensure that your tenants have a comfortable and safe place to live, and it can also help you avoid costly repairs down the road. Here are a few tips for rental upkeep heading into the colder months:
• Inspect your furnace and water heater. Make sure they are in good working order and that the filters are clean.
• Check your insulation. Make sure that your attic, walls, and floors are properly insulated to help keep the heat in.
• Seal any air leaks. Look for any cracks or gaps around windows and doors, and seal them up with caulk or weatherstripping.
• Change your air filters. This will help to improve the air quality in your rental property and prevent dust and allergens from building up.
14 / Property Management Tools & Tips
• Winterize your outdoor spigots. This will help to prevent them from freezing and bursting.
• Clear your gutters and downspouts. This will help to prevent water damage from ice dams.
Trim back any trees or shrubs that could overhang your roof. This will help to prevent snow and ice from accumulating on your roof.
By following these tips, you can help to ensure that your rental property is warm, dry, and comfortable for your tenants during the colder months.
Here are some additional tips that you can follow:
• Have a professional inspect your rental property before the winter months. This will help to identify any potential problems that need to be addressed.
• Provide your tenants with information about how to winterize their rental unit. This could include tips on how to adjust the thermostat, how to seal air leaks, and how to prevent pipes from freezing.
Be prepared to make repairs as needed. If you notice any problems with your rental property, be sure to fix them promptly to avoid further damage.
By taking the time to properly maintain your rental property, you can help to ensure that it is a safe and comfortable place for your tenants to live, even during the colder months.
15 / Property Management Tools & Tips
Pros and Cons of Solar Panels on a Rental House
By: CTPOA
Solar panels are a great way to save money on your energy bills and reduce your carbon footprint. But are they a good investment for a rental house? Here are some of the pros and cons to consider:
Pros:
• Solar panels can save you money on your energy bills. The amount of money you save will depend on the size of your solar system, the amount of sunlight your property receives, and your utility rates.
• Solar panels can increase the value of your property. According to a study by Zillow, homes with solar panels sell for an average of $15,000 more than homes without solar panels.
• Solar panels can make your rental property more attractive to tenants. Many tenants are looking for ways to reduce their environmental impact, and solar panels can show them that you are committed to sustainability.
Solar panels can help you meet local energy goals. Many cities and states have set goals for reducing their reliance on fossil fuels. Installing solar panels can help you contribute to these goals.
Cons:
• The upfront cost of solar panels can be high. The cost of solar panels has come down in recent years, but it is still a significant investment.
• Solar panels require regular
16 / Financially Speaking
egular maintenance. You will need to have your solar panels inspected and cleaned regularly to ensure that they are operating properly.
• Solar panels may not be a good option for all rental properties. If your property does not receive a lot of sunlight, solar panels may not be a cost-effective investment.
If you rent your property out, you will need to decide whether to own or lease the solar panels. Owning the solar panels will give you the most financial benefits, but it will also require you to make a larger upfront investment. Leasing the solar panels will be less expensive upfront, but you will not be able to claim the federal tax credit.
Ultimately, the decision of whether or not to install solar panels on a rental house is a personal one. There are many factors to consider, such as the upfront cost, the amount of sunlight your property receives, and your long-term goals. If you are considering installing solar panels on your rental property, it is important to do your research and talk to a solar installer to get more information.
Here are some additional things to consider when deciding whether or not to install solar panels on a rental house:
• Your state's solar incentives. Some states offer solar tax credits or rebates that can help offset the upfront cost of solar panels.
• Your local utility company. Some utility companies offer net metering programs that allow you to send excess solar energy back to the grid and get credited for it.
Your tenants' willingness to pay for solar. If you plan to rent out your property, you will need to make sure that your tenants are willing to pay the additional rent that may be associated with solar panels.
By considering all of these factors, you can make an informed decision about whether or not solar panels are a good investment for your rental house.
17 / Financially Speaking
Energy Efficiency Tips for Landlords
By: CTPOA
As a landlord, you have a responsibility to your tenants to provide them with a safe and comfortable living space amongst other things. One way to do this is to make sure your property is energy efficient. Energy efficiency can help you save money on your energy bills, and it can also help to reduce your carbon footprint.
Here are a few tips for improving the energy efficiency of your rental property:
• Insulate your property. This will help to keep heat in during the winter and cool air in during the summer.
• Replace old appliances with Energy Star-rated appliances. Energy Star appliances use less energy than standard appliances, which can save you money on your energy bills.
• Install energy-efficient lighting. LED lights use less energy than traditional incandescent lights and they last longer.
18 / Get Energy Efficient
• Seal any air leaks around windows and doors. This will help to prevent heat from escaping during the winter and cool air from escaping during the summer.
• Install a programmable thermostat. This will allow you to set different temperatures for different times of day, which can help you save energy.
Making your rental property energy efficient is a win-win for everyone involved. You can save money, your tenants can enjoy a more comfortable living space, and you can help to protect the environment.
Here are some additional tips that you can follow:
• Encourage your tenants to be mindful of their energy usage. You can do this by providing them with information about energy efficiency and by
offering them incentives for reducing their energy consumption.
• Get involved in local energy efficiency programs. There are many programs available that can help you make your property more energy efficient.
Stay up-to-date on the latest energy efficiency technologies. There are always new ways to save energy, so it's important to stay informed about the latest trends.
By following these tips, you can make your rental property more energy efficient and save money on your energy bills.
19 / Get Energy Efficient
Legal Tips for First Time Landlords
Article From: rocketlawyer.com
Becoming a first time landlord can be a lot of work, but there’s also the promise of a lucrative business (and regular rent checks). When you’re first starting out, beyond the basics of getting the property purchased and ready to rent out, remember that setting yourself up for success also means having the proper legal protections in place—and being proactive with legal issues could save you from big legal bills and hassles down the road. Here are some guidelines to help protect yourself when you’re starting out as a new landlord.
Put it in writing.
It seems simple, but putting everything in writing can be the smartest thing you ever do as a landlord.
The most important item to put in writing is the Lease Agreement between you and the tenant. If you ever have problems with the tenant, the Lease Agreement protects you and
gives you legal rights that would be more difficult to prove without documentation. It also makes it clear that both parties have agreed to specific terms that you can both reference later if there is a dispute.
Get a security deposit.
Collecting a security deposit communicates to the new tenant that you care about the condition in which the tenant keeps your property. It also gives the tenant motivation to keep the property in the same condition in which it was first rented. If the tenant doesn’t keep the property in good condition or damages it, you may be able to keep a portion or all of the deposit to pay for repairs or additional cleaning. Make sure you have the tenant fill out a Renter’s Inspection Worksheet when the tenant first moves in to reduce disputes about the initial condition of the apartment.
20 / The Legal Corner
Know the tenant financially.
It’s your responsibility to vet your potential tenants. Start by having them complete a Rental Application, which will help you collect the information you need to screen your potential tenants. Next, take the time to verify their good credit and their employment, which will help you determine their ability to pay the rent. Keep in mind that it’s much easier to find another potential tenant than it would be to evict a tenant who can’t pay the rent. Of course, you also need to follow any laws that protect tenants against housing discrimination, but the inability to pay the rent generally can be used to disqualify a potential tenant. You may also use a Letter to Request a Credit Reference to verify the prospective tenant's good credit, and/or ask the tenant's employer for a Salary Verification Letter.
Understand key lease terms, like rent, maintenance, utilities, etc.
Make sure you know and follow the terms of the lease you’ve signed. If you create a document and then flaunt the terms, your tenant could take you to small claims court and you could be found liable. You could also get in trouble with local housing authorities. In addition, if you don’t follow the lease terms (by not maintaining the property, for example), it makes it harder to enforce regulations of the lease that you do want the tenant to follow like paying the rent on time.
Understand your rights as a landlord. Although the renter has rights, so does the landlord. For example, you should be able to enter the property when necessary for maintenance with the appropriate amount of notice given to the tenant. You also have the right to evict a tenant if they are not upholding their end of the lease. You can use an Eviction Worksheet in this case, but before you get in this situation, it’s smart to understand the legal process for evicting a tenant in your city and state, since it varies by locality.
Understand the Tenant's rights, and your obligations to protect them.
Familiarize yourself with your state’s laws that protect the tenant’s rights, and any applicable city or county laws that might affect you. Consult the Hud.gov Tenant Rights resources by stateto find out more about the laws in your area.
This article contains general legal information and does not contain legal advice. Rocket Lawyer is not a law firm or a substitute for an attorney or law firm. The law is complex and changes often. For legal advice, please ask a lawyer
21 / The Legal Corner
22 / Vendor Spotlight Jesus Carrero Branch Manager/Sr. Loan Officer NMLS 115293 Contact Information: Email: jcarrero@firstworld.com Phone: 860-417-6801 Address: Southington, CT 963 Queen Street Suite B Southington, CT 06489
ABOUT ME
With over 10 years of mortgage lending experience, Jesus is someone who takes pride in his work and is dedicated to providing guidance to those looking to purchase, refinance, or renovate their home. He has an in depth understanding of the mortgage process and will utilize that knowledge and expertise to obtain the best options for your financial needs.
Habla español.
ABOUT FIRST WORLD MORTGAGE
In the unpredictable home lending market, we stand out as one of the most credible mortgage lenders in Connecticut, and we are now the #1 First Time Homebuyer CHFA Lender In Connecticut. We serve as your safeguard and offer you complete security, safety and peace of mind that only the highest-trained professionals will work with and for you.
You will be in the hands of one of the most experienced Connecticut mortgage lenders, helping make the home buying experience fun, easy, and stress-free! It’s no wonder why we are the preferred Connecticut mortgage lender of individual homeowners, real estate professionals, home builders and financial advisers.
23 / Vendor Spotlight
When to Involve a Tenant Rent Collection Agency Versus Small Claims Court
By: CTPOA
As a landlord, it can be frustrating when a tenant doesn't pay rent. You may be wondering if you should hire a collection agency or file a claim in small claims court.
Here are some factors to consider when making this decision:
• The amount of unpaid rent: If the amount of unpaid rent is relatively small, you may be able to collect it yourself. However, if the amount is large, it may be worth hiring a collection agency.
• The tenant's financial situation: If the tenant is unemployed or has
other financial difficulties, they may not be able to pay the rent even if they want to. In this case, hiring a collection agency may not be the best option.
• Your time and resources: If you don't have the time or resources to deal with the collection process, hiring a collection agency may be the best option. Collection agencies typically charge a fee, but they can often collect more money than you could on your own.
24 / Tenant Screening Tips & Tricks
• Your state's laws: Some states have laws that favor tenants in the court process. If you live in one of these states, it may not be productive if you file a claim in small claims court as certain exemptions exist to protect debtors.
It’s important to note that you can do BOTH. Sometimes, both routes are a good plan of attack.
If you decide to hire a collection agency, be sure to choose one that has a good reputation and that specializes in collecting unpaid rent. You should also get everything in writing, including the agency's fees and their policies on collecting and reporting delinquent rent.
If you decide to file a claim in small claims court, be sure to follow the specific procedures in your state. You may also want to consult with an attorney to make sure you understand your rights and options.
The good news about using a collection agency like LandlordCollections.net is that even
if no money is successfully recovered, this company will report the money owed to the Credit Bureau and will impact the tenants credit report for up to 7 years. Their poor rental payment performance will also show on TenantTracks screening reports for 7 years, as these two companies are closely affiliated. What’s even more convenient is it’s only $19.99 to file a report on LandlordCollections.net, so it’s a no-brainer to regain control and help warn other housing providers about your difficult tenant.
LandlordCollections.net is a collection agency that specializes in collecting unpaid rent from tenants. They have a team of experienced collectors who are familiar with the laws and regulations that apply to tenant debt.
Ultimately, the best way to collect unpaid rent will depend on your specific situation. If you're not sure what to do, it's a good idea to consult with an attorney.
25 / Tenant Screening Tips & Tricks
The NEI Real Estate Investor Meetup (NEI)
Next Meeting: Sept. 21st
Time: 6:00 PM - 9:00
Where: Back Nine Tavern
245 Hartford Road
New Britain, CT 06053
Contact: 203-915-3803
About: Join us at the upcoming meetup as dive into the art of underwriting investment property with local investor and owner of Ironclad Property Management, Eddinger. Delve into the intricate world of property acquisition and learn the vital considerations essential for crafting a thriving rental portfolio. Register here!
21st PM Tavern 06053 3803
we investment investor Management, Sam the property the a portfolio.
Connecticut Real Estate Investors Association (CTREIA)
Next Meeting: Sept. 23rd
Time: 9:00 AM - 4:00 PM
Where: CTREIA Training Center
415 Silas Dean Hwy, Suite 304A
Wethersfield, CT 06109
Contact: (860) 265-4414
About: Master Marketing:
From Marketing Tumbleweeds to Marketing Stampede
Cut through the noise, destroy the competition, & get sellers contacting you!
Strategies that work in today’s market (the economy has changed things)
How to become a magnet for CONSISTENT motivated seller leads & more!
Register here!
New Haven Middlesex Realtors (NHMR)
Next Meeting: Sept. 27th
Time: 11:30 AM - 1:00 PM
Where: NHMR (or Zoom)
2730 Boston Post Road
Guilford, CT 06437
Contact: (203) 234-7700
About: Join us for this FREE Power Lunch presented by Mark Allen, SVP Market Manager at Norcom Mortgage.
Join Mark for a deep dive into some of the unique opportunities that homebuyers have with CHFA financing.
Register here!
Greater Hartford Association of Realtors (GHAR)
Next Meeting: Sept. 28th
Time: 5:00 PM - 8:00 PM
Where: Labyrinth Brewing 148 Forest Street
Manchester, CT 06040
Contact: (860) 561-1800
About: Labyrinth Brewing Company is our host for this social happy hour. Join us for some appetizers, drinks, door prizes and networking and more on the covered deck of this great brewery in the beautiful historic district of Manchester!
The $15 registration fee includes food and a drink ticket good for any of the craft beers or wine!
Organized by the Regional Events Committee of GHAR.
Register here!
Real Investor
Name Contact Service
BestWay Mortgage, Brandon Parenti
Phone: (203) 441-4059
Website: Click here! Mortgages & Loans (Professional Services)
Pro Property Management
The Law Office of Yona Gregory
Phone: (203) 909-6333
Website: Click here! Property Management Services (Professional Services)
Phone: (860) 443-9662
Website: Click here! Attorney / Evictions (Professional Services)
The Brodrick Law Firm
Phone: (203) 758-8822
Website: Click here! Attorney / R.E. Closings (Professional Services)
TenantTracks
Phone: (888) 610-4710
Website: Click here! Tenant Screening (Professional Services)
Tammy Enquist Canfield: Comparion Insurance Agency
ServiceMaster Restore by Recovery Solution
Phone: (203) 695-3893
Website: Click here! Insurance (Professional Services)
Phone: (860) 735-4704
Website: Click here! Restoration (Maintenance & Tradesmen)
Eversource Energy
Phone: (800) 592-2000
Website: Click here! Energy Efficiency Provider (Suppliers & Wholesalers)
The Guarantors
Phone: (720) 706-8902
Website: Click here! Rental Insurance (Professional Services)
Premier Real Estate Investment Group
Phone: (860) 335-0681 Real Estate Multi-Family (Professional Services)
Cesar L. Sousa, Real Estate Attorney
Phone: (203) 583-8299
Website: Click here! Attorney / Personal Injury (Professional Services)
PosiGen Phone: (866) 767-4436
Website: Click here! Solar Panels/Green Energy (Maintenance & Tradesmen)
Pet Screening Website: Click here! Tenant Screening (Professional Services)
Nick Minicucci: New England Residential Finance, LLC
Phone: (203) 509-2717
Website: Click here! Mortgages & Loans (Professional Services)
Landlord Collection Agency Phone: (800) 369-6153
Website: Click here! Collection Agency (Professional Services)
Junk Bear Phone: (860) 378-2801
Website: Click here! Rubbish & Hauling (Maintenance & Tradesmen)
First World Mortgage: Jesus A. Carrero
Phone: (203) 715-0961
Website: Click here! Mortgages & Loans (Professional Services)
The Miranda Team Home Inspections
Phone: (203) 490-7855
Website: Click here! Home Inspections (Professional Services)
Name Contact Service
Marion Szarzynski, HomeBridge Mortgage Loan Originator
Brenda Tate, Photographer
Phone: (203) 768-5098
Website: Click here!
Mortgages & Loans (Professional Services)
Jeff Zappone, Loan Officer at CrossCountry Mortgage
Phone: (860) 631-7622
Website: Click here!
Phone: (203) 592-3602
Website: Click here!
Real Estate Photography (Professional Services)
Dawn Cabral, Broker/ Owner, GRI, SRES at West View Properties LLC
Dana M Guiliano
Venoal M. Fountain, Jr., Partner at Hirsch, Levy & Fountain, LLC
Phone: (203) 228-7564
Website: Click here!
Mortgages & Loans (Professional Services)
Phone: (203) 419-5857
Real Estate Residential (Professional Services)
Attorney / Evictions (Professional Services)
Attorney Emanuele A. Mangiafico
Phone: (203) 336-3144
Website: Click here!
Attorney / Evictions (Professional Services)
Reckmeyer & Reckmeyer, Law
Ranciato Public Adjusters Group, LLC
Phone: (860) 827-8064
Website: Click here!
Phone: (860) 333-5677
Website: Click here!
Attorney / R.E. Closings (Professional Services)
Attorney / Evictions (Professional Services)
Phone: (888) 298-9014
Website: Click here! Public Adjuster (Professional Services)
