From the category archives: Insurance Protection Blog

Winter Weather

A recommendation that may save a life this winter…

post image We have all witnessed it. Driving down a highway after a heavy snowfall. Cars and tractor trailers moving along at speeds in excess of 55 miles per hour. Suddenly you see a large chuck of frozen snow/ice hurling off of the top of an 18 wheeler, aiming towards your car’s front windshield. Sometimes the snow simply dissipates. Sometimes the windshield splinters into 100 pieces.   From the first winter storm, through the beginning of spring thaw, this endless cavalcade of flying white weapons happens with each snowfall. Usually in the beginning of Winter, drivers are a bit more diligent and willing to wipe the snow off of the body of their autos and clear the roof of ice. But after the 10th blizzard, many abandon cleaning the roof of their car and drivers often are forced to do a dance … dodging, weaving and maneuvering at 60 mph to avoid impact when the ice starts to fly.   Although (shockingly) no federal agency is currently compiling fatality statistics on how many automobile cras ...
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Five Futuristic and Fantastic Insurance Apps That Will Save You Time

post image In the insurance industry, as well as in the Boy Scouts of America organization, the motto is  "Be Prepared". And honestly when talking about insurance, the following statements are true: The time to prepare for a possible insurance claim is long before the accident occurs. The time to get ready for impending storm is before the first flake or drop falls. The time to inventory your luxury items, jewelry and collectibles is before someone breaks into your home. But most of us are so over extended time-wise: That finding a moment to file sales receipts and appraisals, take photographs and record everything in a notebook or on computer can be daunting. That preparing  for an upcoming storm or natural disaster is done on the fly with the minutes counting down. That planning for a "possible" issue with your car, is almost impossible and handled as you are standing on the side of the highway searching for help. Step in "Modern Technology".  The insurance ...
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"Dam" One of the biggest winter nightmares you can experience as a homeowner …

post image Sunday afternoon, sitting in your living room, on a bright sunny, late January Day in your flannels with a cup of coffee and The New York Times. Suddenly out of the corner of your eye, you notice a wet spot on the corner of the ceiling. Your first thought is that you busted a water-pipe because of the winter weather thaw and freeze, but then you remember no plumbing runs through that section of the house. Put on your coat, hat and boots and walk outside to inspect. And suddenly you spot it, at least 6 inches high and as solid as the Hoover Dam …. Your own personal ice dam looming above the door. Ice dams are a damaging winter roof problem. They occur when ice melts and refreezes on the edge roof of your home or business, the continuous cycle causes a “damming” effect. A warm roof surface from interior heating, a warm attic or even an increase in daytime temperatures can lead to damming. Optimally the underside of the roof deck must be close to the exterior side of the roof. With no ...
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Carbon Monoxide - Over 15,000 Individuals are Poisoned Every Year

One morning very soon, we will wake up and a chill will be in the air, frost will cover the grass and we will be able to see our breath. Many homeowners will rise from bed and hit the thermostat, stock a pellet or wood burning stove with fuel, or start a gas-powered generator, to heat up their homes. But while these families go through the chores of their day, some will be unaware that a silent, deadly toxin is invading and slowly filling their homes: Carbon Monoxide.  Scary statistics - According to the CDC:   At least 15,000 individuals are sent to the emergency room every year due to Carbon Monoxide poisoning. At least 439 people die of unintentional, non-fire-related carbon monoxide poisoning every year, new CDC statistics show. But that number does not represent the entire total, only 13 states require doctors to report carbon monoxide related deaths. And not surprisingly, most carbon deaths and injuries occur during the months of January and December when the weather is ...
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Winter Weather Preparedness 12/14/13-12/15/13

There's a Winter Storm watch that's been issued for Orange County, NY.  The snow is expected to start tonight around midnight, and taper off before Sunday morning. This is the time of year when it pays to be prepared.  By this time of year, I mean, the Nor'Easter time of year!  Snow storms can wreak havoc on everything from freezing the pipes in your home, knocking out power lines, and making driving conditions treacherous!  As an Insurance Specialist, it is my job to make sure folks are informed and educated on how to be prepared.  My Digital Insurance Office has a special page dedicated to Winter Weather.  There's a live weather feed and tips on how to stay safe and what you need to do to prepare. There's so many things to think about to avoid damage to your home, vehicle, and surrounding area.  A couple things to consider when a winter storm is approaching: 1.  Make sure you have a good family communication plan. Make sure you have someone in your cell phone as ...
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