From the category archives: Insurance Protection Blog

Emergency Supply Kit

Yep, that was a Tornado.

post image Saturday evening Feb 25th, at approximately 5:30pm, a line of storms raged through Northern Pennsylvania and swept into the Hudson Valley. After an almost uncomfortably warm series of days, this cold front came though bringing with it hail, high winds and a tornado! A weather service team says the tornado in the Pittston Township area of Luzerne County, PA will be classified as an EF-2 with wind speeds of 120 mph. David Elmore, deputy coordinator of the Luzerne County Emergency Management Agency, said about 30 homes were damaged, six seriously, in Pittston. Most people who reside in the New York Tri-State area are always a bit shocked when they hear of a tornado touching down in their backyards. Many seem to believe that tornados are simply a problem of “The Plains” …  residing in the flat Mid-West or Southern States. According to data from NOAA's Storm Prediction Center, during January, there were 138 preliminary tornado reports. This is almost four times greater than ...
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Water Water Everywhere

post image In the last week, the weather has been delightful. 60 degree temperatures and sunshine over the holiday weekend have resulted in the snow melting and the ground becoming muddy and saturated.  Soon spring rains will come and add more water to the mix. The only unfortunate aspect of the spring thaw is that it is also Flood Season. The months of March, April and May are usually the months that the insurance industry receives the most claim filings for flooding. And per the National Flood Insurance Program, 25% of claims are filed by people who live outside of high risk areas. Between 2010 and 2015 the average flood claim in the United States was over $51,000. A few inches of water in your basement, garage, first level of your home can lead to thousands of dollars’ worth of damage and repair.   Below are the special risks that present themselves in spring.  Thaw -  April showers bring May flowers … But those showers can sometimes be heavy rain. There is at least ...
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Beyond bread, milk, diapers and Duracell ... Are You REALLY Prepared?

post image PEOPLE FORGET... Immediately after September 11, 2001, individuals scrambled to prepare for the unexpected. We were so caught off-guard, that citizens began to squirrel away food, water, batteries and other essentials “just in case.” When Hurricane Sandy approached, residents scrambled and stocked up on frozen pizzas, milk, and flashlight batteries, only to have to toss out the spoiled and defrosted food after towns were plunged into darkness for weeks. You’ve seen it over and over. Every time a snowstorm is predicted to bury us under multiple feet of snow, the lines at Shop-Rite are out the door and a loaf of bread is nowhere to be found. We wait until we are on the edge of disaster and we “react” instead of “act.” To combat the confusion,  the Federal Emergency Management Agency (FEMA) has designated September as: "National Prepardness Month". This specific event was created in response to the 9/11 attacks and is meant to reach out to citizens and ...
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Midnight, On the Highway and Your Car Breaks Down, Now What?

post image It happened just two weeks ago. A few miles from our Corporate Office. A mother, her elementary school-aged daughter, a family friend and two dogs were driving in their  Volkswagen Passat on Inter-State 84 at 4am when the car ran out of gas in the right-hand travel lane. The mother proceeded to activate the cars emergency flashers and  call 911 to seek assistance. Three minutes into the call the car was rear-ended by a tractor trailer and all were killed. No one knows exactly what happened. The truck driver did not see the blinking lights on the rear of the auto until it was too late for him to stop on the roadway. The problem was compounded by the fact that the auto remained in the travel lane of a two lane, highly trafficked, interstate, after it ran out of fuel.With summer approaching, vacation season "ramping up", college students home for the summer and families embarking on road trips, June would serve as the optimal time to share some automobile safety reminders. With an emphasis on what to ...
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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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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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