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OVL Expert Contributors


OVL's EXPERTS are a resource unlike any other offered in community or Coastal Virginia publication.

We have compiled a list of the best of the best in their industry, who work and/or live right here in Ocean View and are dedicated to supporting their local communities.

We are constantly striving to add the most updated Experts to our list, and they provide monthly content and educational information for our readership.

Want to know more? Then visit with one of our OVL Experts or get a copy of the Ocean View Living Magazine

Our Experts

Dentistry
Dr. John B Lapetina Jr., DDS

Dr. John B Lapetina Jr., DDS

Dr. John Lapetina
757-588-0276
johnblapetina@verizon.net

Financial Planning Expert
Truicity Wealth Management

DeAndre B. Coke

DeAndre B. Coke
CLU®, ChFC®, RICP®, QPFC, CEO and Founder
757-216-5311
truicitywealth.com

Hair Care
NUROSE Hair Company

 Shelby Morrison

Shelby Morrison
757-937-2014
hello@nurosehair.com
www.nurosehairco.com

Hair Care
"5 Tips to Improve Your Hair Healther This Fall & Winter"

As the leaves change and temperatures drop, it’s time to give your hair the extra love it deserves. With the right products from Kérastase and Shu Uemura, you can keep your locks looking luscious all season long. Here are five fun tips to elevate your hair care routine!

OVL Expert's Articles Hydrate with Hair Oils
Kick off your regimen with Shu Uemura's Essence Absolue Nourishing Protective Hair Oil. This luxurious elixir, infused with camellia oil, deeply nourishes and protects your hair from the drying effects of winter. Just a few drops can transform your strands from drab to fab!

OVL Expert's Articles Weekly Deep Treatments
Make room for Kérastase's Elixir Ultime in your weekly routine. This powerful treatment revitalizes and adds a beautiful shine, making it perfect for combating seasonal dryness. Apply after shampooing and let it work its magic for a few minutes.
Gentle Cleansing
Switch to Shu Uemura's Ultimate Reset Shampoo for a gentle cleanse that won’t strip away moisture. Ideal for damaged hair, this shampoo provides the tender care your strands need during the colder months.
Condition Like a Pro
Follow up with Kérastase's Nutritive Conditioner to lock in hydration. Specifically designed for dry hair, this conditioner leaves your locks soft, manageable, and ready to shine.
Protective Styling
Finish with a light application of Shu Uemura's Art of Hair Moisture Velvet Nourishing Treatment before styling. It not only shields your hair from heat damage but also keeps it smooth and frizz-free.


By integrating these tips into your hair care routine, you’ll enjoy vibrant, healthy hair that’s ready to take on the elements! Embrace the season with confidence and style!

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Heating & Air Conditioning
Murillo Mechanical

Robert Murillo

Robert & Ashley Murillo
757-226-0905
murillomechanical@yahoo.com
www.murillomechanical.com

HVAC Tips
Read Ashley's "Setting Your Furnace Up For Success This Winter"

A well-maintained furnace is crucial for keeping your home comfortable during Norfolk's winter months. Here are some tips to ensure your furnace operates efficiently and reliably:

Pre-Winter Maintenance:
Professional Tune-Up:
Schedule a professional HVAC technician to inspect, clean, and adjust your furnace.

Air Filter Replacement:
Replace your air filter with a clean one. A dirty filter can restrict airflow and reduce efficiency.

Ductwork Inspection:
Ensure your ductwork is sealed and free of leaks to prevent energy loss.

Operational Tips:
Programmable Thermostat:
Set your thermostat to adjust temperatures automatically throughout the day and night.

Regular Cleaning:
Keep the area around your furnace clear of clutter and debris.

Avoid Overloading Circuits:
Don't overload electrical circuits with too many appliances, especially during cold weather.

Safety Considerations:
Carbon Monoxide Detector:
Ensure your home has a working carbon monoxide detector.

Furnace Location:
Keep flammable materials away from your furnace and vents.

Emergency Kit:
Have an emergency kit prepared with supplies such as batteries, flashlights, and blankets in case of power outages.

Additional Tips:
Reverse Flow Fans:
If you have a heat pump, ensure it's set to reverse flow in the winter.

Humidifier:
Consider using a humidifier to maintain comfortable indoor humidity levels.

Emergency Contacts:
Keep a list of emergency contacts, including your HVAC technician and local utility company.

By following these tips, you can help ensure your furnace operates efficiently and keeps your home warm throughout the winter.

If you are in need of HVAC service -- give Murillo Mechanical a call.

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Insurance
Farmers Insurance

Carrie A. Lewis

Carrie A. Lewis
757-690-7418
carrie@coveredbycarrie.com
www.coveredbycarrie.com

Insurance
Read Carrie's "5 Essential Tips for Insuring Coastal Homes"

Living in Ocean View and along the Chesapeake Bay comes with its own set of perks: breathtaking views, easy access to recreational activities, and a serene environment. However, it also brings unique challenges, particularly when it comes to insuring our coastal properties. From hurricanes to flooding, all types of coastal homes face increased risks that necessitate comprehensive insurance coverage.

As a follow-up to the previous article, and with home insurance companies taking on even more restrictions - here are five essential tips to ensure your coastal property is adequately protected:

Choose the Right Insurance Provider:
Not all insurance companies offer coverage for coastal properties along the Chesapeake Bay, and those that do may have different rates and coverage options. Some exclude pool liability and pet liability. Some exclude wind and hail damages. Research and compare multiple providers to find one that specializes in coastal insurance and offers competitive rates. Verify their financial rating with A&M Best. Carriers rated in the A-spectrum (A+, A, A-) are the most financially strong and approved by most lenders and mortgage companies. Verify that your agent offers renewal reviews with their clients as this is crucial to avoid being unprepared and underinsured.
Invest in Flood Insurance:
Standard homeowners insurance typically does not cover flood damage. Given the heightened risk of flooding in coastal areas, purchasing separate flood insurance is essential for protecting your property and belongings. Typical flood policies, backed by the NFIP (National Flood Insurance Program) only cover up to $250,000 in dwelling or structure coverage which most lenders will accept regardless of the rebuild cost of your home. Do you need excess flood coverage? It can be pricey, but worth it in the long run.
Review Policy Limits and Deductibles:
Ensure that your insurance policy provides adequate coverage limits to rebuild or repair your Ocean View home in the event of a disaster. Additionally, consider the deductible amount and choose one that you can comfortably afford to pay out of pocket. Most storm, wind and hail deductibles are quantified by a percentage of the current coverage on your dwelling or structure. Verify your deductibles before disaster strikes.

Document Your Property:
Before disaster strikes, document your coastal property and its contents through photographs, videos, and an inventory list. Don’t wait until your house is “perfectly clean”. The more that you can document, the better, especially with your belongings. When disaster strikes the pictures and documentation are priceless in helping you document and review with your claims adjuster. Verify what documentation is mandatory in the event of a major claim.
Review Your Policy Annually:
Our Ocean View home and condo insurance needs may evolve over time due to changes in property value, construction costs, or insurance regulations. Regularly review your insurance policy with your agent to ensure it adequately reflects your current needs and circumstances.

Remember to regularly review your insurance policy and consult with professionals to ensure your coverage remains adequate and up-to-date. If you do not have a dedicated insurance agent, contact your financial advisor who can point you in the right direction. With the correct insurance protection in place, you can enjoy the beauty and tranquility of Ocean View Living along the Chesapeake Bay without the stress and worry about having the proper insurance coverage.

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Home Cleaning
Max Cleaning & Services

Isabel Olivares

Isabel Olivares
631-521-9761
Visit our Facebook page



Realty
Judy Boone Realty, Inc.

Judy Boone

Judy Boone
757-587-2800
judyboone@judyboonerealty.com
www.judyboonerealty.com

Scooters & Electric Vehicles
OV Scooter Company

Dee Price

Dee Price
757-577-4844
dprice@ovscooters.com
www.ovscooters.com

Reading
Read Dee's "Coastal Cruising: Discover the Joy of Electric Fat Tire Scooters by the Beach"

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The gentle hum of an electric motor, the refreshing sea breeze on your face, and the freedom to explore at your own pace—these are just a few of the reasons why having an electric fat tire scooter near the beach is an experience like no other. As an expert in electric fat tire scooters and bikes, I’m excited to share the myriad benefits that come with this eco-friendly, convenient mode of transportation.
Eco-Friendly Exploration:

OVL Expert's ArticlesOne of the most significant advantages of having one of our electric scooters is their minimal environmental impact. Unlike cars or motorcycles, electric scooters produce zero emissions, making them an eco-friendly choice for beachgoers who want to minimize their carbon footprint. By choosing to ride an electric scooter, not only are you reducing your carbon footprint but they’re just simply fun and allow for you to explore all that Ocean View has to offer like restaurants, breweries, and local shops. Effortless Mobility: Electric scooters offer a perfect blend of convenience and ease, especially in beach communities where parking can be a challenge. With an electric scooter, you can effortlessly glide through traffic, navigate narrow paths, and find parking spots with ease. They are perfect for short trips, allowing you to quickly get from one point to another without the hassle of searching for a parking space or dealing with the congestion typical of popular beach destinations.

Cost-Effective Fun:
Having an electric scooter is a cost-effective way to enjoy nice days out with the family or friends. Our electric scooters are affordable and require minimal upkeep. This means you can spend more of your budget on enjoying local attractions, dining, and other activities. It's an excellent way to stay active while enjoying the beautiful scenery.

Enhanced Accessibility:
Electric scooters are incredibly accessible, making them a great option for people of all ages and physical abilities. Whether you’re young or young-at-heart, our scooters provide a safe and fun way to explore the neighborhood, beach, or campgrounds. We offer a variety of models, including those with seats for added comfort and trikes for added stability, ensuring that everyone can find a scooter that fits their needs.
Scenic and Cultural Immersion:
Owning one of our electric scooters allow you to immerse yourself fully in the coastal experience of Ocean View. You can easily stop at various points of interest, whether it’s a picturesque spot for a photo, a hidden beach café, or the local farmer’s market. This flexibility lets you create your own personalized tour, discovering the hidden gems that might be missed when traveling by car or public transport.

Safety and Convenience:
Our modern electric scooters come equipped with a range of safety features, including hydraulic braking systems, headlights and brake lights for night riding, and even dual suspension for a nice comfortable ride. We also provide helmets and offer safety briefings, ensuring that riders are well prepared.

Whether you’re seeking convenience, affordability, or a unique way to experience your neighborhood, our electric scooters offer a versatile solution that enhances your beachside adventure. So next time you’re headed to the beach, the market, or brunch consider swapping your car keys for an electric scooter and enjoy the ride!

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Senior Living Expert
Harbor's Edge

Harbors Edge

Morgan Lamphere
757-619-7950
www.harborsedge.com