Gilday Insurance Agency

Tag: Insurance

Client Appreciation at Topgolf

Client Appreciation at Topgolf: A Sunday Well Spent

At Gilday Insurance Agency, our clients mean everything to us — and getting to spend time with you outside of emails, quotes, and policy reviews is one of our favorite parts of what we do. That’s exactly why our recent Client Appreciation Event at Topgolf was such a special day for our team.

A few Sundays ago, we gathered with clients, friends, and members of our local community for an afternoon of sunshine, golf swings, and great conversation. The weather showed up for us, the vibes were relaxed, and the competition was friendly (with a few surprisingly impressive shots mixed in!).

Getting to Connect in a Different Way

One of the best parts of the afternoon was simply spending real, uninterrupted time with our clients. No ringing phones. No appointments to go over insurance. Just good conversations, laughter, and a chance to get to know each other beyond insurance policies and renewal dates.

Events like this remind us that behind every policy is a real person, a family, and a story — and we truly value those relationships.

So Much Fun at Topgolf

Between the swings, the cheering, and the conversations between rounds, the energy at Topgolf was undeniable. We loved seeing families out together, first-time golfers giving it a try, and plenty of playful competition throughout the day. Whether it was someone lining up their perfect shot or simply soaking in the sunshine, there was something for everyone to enjoy.

Why We Do These Events

As a local Woodinville agency, community is at the heart of everything we do. We believe insurance should feel personal — and events like this give us a chance to show our appreciation, say thank you, and continue building meaningful relationships with the people we’re honored to serve.

Our goal has always been to be more than just an insurance agency. We want to be a trusted resource and a long-term partner for our clients, through every season of life.

Thank You for Spending the Day With Us

To everyone who joined us at Topgolf: thank you for taking time out of your weekend to spend it with us. We’re incredibly grateful for your trust, your support, and the opportunity to serve you.

And if you weren’t able to attend this time — we promise more events are on the way! Be sure to follow along on our social media and website so you don’t miss the next one.

December 5, 2025
🍂 Fall Home Maintenance Checklist (and Knowing Your Coverage)
Fall is officially here—and with it comes cooler temperatures, rainy days, and stormy weather. As leaves fall and the weather shifts, it’s not only the perfect time to bask in the cozy warmth of autumn, but also to prepare your home for the months ahead. A little maintenance now can save you big headaches (and expenses) later!

Here’s a simple fall home maintenance checklist to help keep your home safe and sound this season—plus an important insurance tip every homeowner should know.

✅ Fall Home Maintenance Checklist

1. Clear Gutters and Downspouts
Falling leaves can quickly clog your gutters, leading to water damage and roof leaks. Make sure gutters are clear and downspouts direct water away from your foundation.

2. Check Your Roof
Loose shingles or worn spots can turn into leaks once the heavy rains arrive. A quick inspection now can prevent a much bigger repair later.

3. Trim Trees and Branches
Strong winds and muddy, mushy ground can bring down trees or branches, potentially damaging your home, car, or power lines.

4. Service Your Heating System
Have your furnace or heating system serviced before the chill sets in. It’s safer, more efficient, and prevents mid-season breakdowns.

5. Test Smoke and Carbon Monoxide Detectors
With fireplaces, heaters, and candles in use during fall and winter, it’s a good time to make sure detectors are working properly.

🏠 Why Your Insurance Coverage Matters Too

Even with the best preparation, accidents can happen—like a tree branch falling on your roof. That’s where your homeowners insurance comes in.

Keep in mind, not all policies cover losses the same way. The difference often comes down to whether your policy pays out on a Replacement Cost Value (RCV) or Actual Cash Value (ACV) basis.

🔑 Replacement Cost (RCV) vs. Actual Cash Value (ACV): What’s the Difference?
- Replacement Cost (RCV):
  Your insurance covers what it actually costs to replace or repair your damaged property with new materials, without subtracting depreciation.
  Example: If a storm damages your 15-year-old roof, your policy pays what it costs to install a brand-new roof.
- Actual Cash Value (ACV):
  Your insurance covers the replacement cost minus depreciation for age and wear.
  Example: If that same 15-year-old roof is damaged, you’ll get a payout based on its current value—not enough for a brand-new roof.
This difference can be significant when it comes to big-ticket items like roofs, siding, or major appliances.

🌧️ Heading Into Stormy Weather: Are You Covered the Way You Think?

Taking care of fall maintenance helps prevent damage, but having the right coverage gives that extra layer of comfort. If you’re not sure whether your policy is RCV or ACV—or if your coverage limits are enough for today’s rebuilding costs—this is the perfect time to review.

Remember: our team is always happy to walk through your policy and make sure you’re set up for the season ahead. That way, you can head into fall knowing both your home and your wallet are protected. More money in your pocket for pumpkin brulee lattes!

🍁 Stay safe, stay cozy, and enjoy everything fall in the PNW has to offer!
— The Gilday Insurance Agency Team
September 19, 2025
Why Local Matters: The Value of Working with Our Agency

In a world of large insurance companies and online quoting engines, it’s easy to feel like just another policy number. It’s easy to get overwhelmed when you call in for customer service help, and spend 20 minutes trying to explain your situation to an automated answering machine. But when you choose to work with a local, community-based agency like Gilday Insurance, you’re choosing more than a policy – you’re choosing people who care. You’re choosing the agency owner himself, Tyler Gilday, and his employee, Claire.

We know your community, because we’re part of it.

As a local agency based in Woodinville, we live where you live. That gives us a unique understanding of the risks and needs specific to our area, whether it’s navigating the Pacific Northwest’s rainy season, helping small business owners protect their storefronts, or ensuring local families have the right coverage as they grow. We aren’t just local to Woodinville, we’re local to WASHINGTON.

Personal relationships > call centers

At our agency, we know our clients by name, not by policy number. You don’t have to wait on hold or explain your story every time you call. Instead, you’ll talk to real people, either Tyler or Claire, who know your background, your coverage, and your goals. And if we don’t – you bet we’ll learn. That kind of trust and continuity can’t be bought – it’s built.

Real guidance you can rely on

Because we’re with Farmers, we are able to offer coverage through not only their products, but many different products from different carriers. That means we can shop around to find the best coverage and value for your unique situation. But more than that, we’re here to educate, not upsell. You can count on honest answers, straightforward advice, and coverage that actually fits.

Spotlighting our local clients

As part of our commitment to community, we started our blog and launched our Business Spotlight Series, where we sit down with local business owners over lunch and share their stories on our blog and social media. It’s our way of saying saying thank you – and giving back by helping promote the incredible businesses we insure.

We’re proud to be local – and proud to serve you

When you choose Gilday Insurance, you’re not just getting a policy. You’re gaining a partner who’s invested in your success, who shows up when it matters most, and who genuinely cared about your story.

Woodinville-based, relationship-driven.

May 2, 2025
Business Spotlight: Midnight Window Tinting in Everett
Meet Chase, owner of Midnight Window Tinting.
Welcome to the (back) of the shop!
Expert Window Tinting in Everett, WA

At Gilday Insurance Agency, we love celebrating our clients and their businesses. That’s why we’re kicking off our Client Spotlight Series—a way to highlight the incredible local businesses we work with, share their success stories, and showcase why they trust us for their insurance needs.

For our first Client Spotlight, we’re featuring Midnight Window Tinting, a premier window tinting shop in Everett, Washington, known for its expertise in enhancing vehicles, homes, and businesses. We had the pleasure of sitting down (and standing!) with Chase, the owner, to learn more about his passion for quality craftsmanship and dedication to customer satisfaction. With years of experience, Midnight Window Tinting specializes in automotive, residential, and commercial window tinting, offering enhanced style, privacy, and UV protection for cars, homes, and office spaces alike. Whether you’re looking to keep your vehicle cool, improve energy efficiency in your home, or add privacy to your commercial space, Chase and his team provide expert solutions tailored to your needs.

Lunch & a Conversation with Chase
Previewing the menu. Order first, talk second?
Nothing beats a delicious sandwich for lunch @ The Sisters Restaurant!
We took Chase out to lunch to talk about his journey, what makes his tinting shop stand out, and why he trusts Gilday Insurance Agency for his insurance needs. Not only did we all get to enjoy a delicious meal at The Sisters Restaurant in Everett near his shop, but we also got to learn so much more about the versatility of tinting. He shared insights into the benefits of professional tinting, how his business has grown over the years (he’s been doing this for 20 years!), and the importance of having the right business insurance and agent to keep everything running smoothly.

🎥 Watch the video below to hear directly from Chase about his experience with us!

Watch Ty interview Chase about his business, why he chose our agency, and more about tinting!

Why Choose Midnight Window Tinting for Your Tinting Needs?

Whether you’re looking to reduce glare, improve energy efficiency, or add privacy to your vehicle, home, or office, Midnight Window Tinting provides high-quality tinting solutions tailored to your needs. With expert installation and premium-grade films, they guarantee a sleek, long-lasting finish every time.

📍 Visit Midnight Window Tinting at 1826 Broadway, Everett, WA 98201
📞 Contact: (425) 259-9190
🌐 Website: [midnightwindowtinting.com]

The Insurance Perspective: An Inside Look at Chase’s Insurance Coverage

As a local insurance agency, we take pride in helping businesses like Midnight Window Tinting find customized insurance solutions to protect their operations. From liability coverage to property protection, we ensure our clients have the right policies in place. At Gilday Insurance Agency, we’re not just here to insure businesses—we’re here to support them. In addition to our lunch interview with Chase, we sat down to discuss the specific insurance needs of Midnight Window Tinting and how our agency helps protect his business. Check out this Q&A with our agency owner to learn more about why having the right coverage matters for businesses like Chase’s.

Watch our interview with Ty, the agency owner, to discuss specifics related to Chase’s policy.

Are you a business owner insured with us? Want to be featured in our next Client Spotlight? Reach out to us at (425) 285-2370 to learn more!

🛡️ Helping businesses shine, one policy at a time.
April 4, 2025