If they start rolling their eyes or cocking attitude it's only the tip of the ice berg in some cases.

@Heissen VelonzaThe technical term for an outdoor enthusiast for an ice shelter done efficiently is a quinzee- :-)https://mycampingandhikingtips...

Perils not covered on basic but covered on special would be (some not all):  Theft (important in Detroit), water damage (frozen pipes certainly happen in MI), weight of ice and snow (same), etc.I know of markets that do write special up there, such as Diamond State, Scottsdale, etc, but it's not a low cost policy.

ICE Events Center on the far left has seen the most progress so far as it is still open for business...it's going to look great for the community.Huge amount of quality stone for the exterior.

We brought them doughnuts the first time and bought their kids ice create.

Taking into account a global economic shock, a coinciding drop in energy prices, many small businesses that won't recover, unemployment, the possibility for a run on US Dollars which could cause the USD to spike, plus municipalities and retirement funds who were already on financial thin ice – there's a great deal of risk and the combined headwinds are enormous. 

This isn't really a recession its more of an Ice Age and the big question mark is how long it lasts. 

Appreciation is icing on the cake.

Ever hear the old saying "people in hell want ice water too..but they don't get it?"

Please remember it is your responsibility to keep the driveway and walks clear of snow and ice for the safety of your roommates and guests.