From the category archives: Insurance Protection Blog

Tips for Personal Safety

#ArriveAlive: The Dangers of Drowsy Driving

post image We’ve all done it. Staying out late for work, or a ballgame or maybe dinner with friends and now it is time to head home. You pull out of the parking lot, head out on the road and suddenly a wave of exhausting and drowsiness envelops you and you have miles to go. You think to yourself, open a window? Maybe if you blast the radio? Maybe if you close one eye for a while and rest it, and then close the other eye for just a moment. In a split-second you are heading across the yellow line or on a direct trajectory with a telephone pole. First a few statistics about drowsy driving: According to the National Sleep Foundation, nearly ¼ of all adults in the U.S. claim to know someone personally who has fallen asleep at the wheel. 70 Million adults are sleep deprived or suffer from sleep disorders. It is a major contributor to car crashes. (Source: American Automobile Association) One out of six deadly traffic accidents are a direct result of drowsy driving. And each year, the ...
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CONE! Road Crews are Back on our Rural Roads and Nation’s Highways.

post image Ahhhh Spring! Finally, the snow and salt are gone, the car has been washed and waxed and after weeks of Netflix marathons, you are ready to head out to the open road.  You cannot wait to push the accelerator, tune into your favorite songs and feel the wind in your hair. Watch out! Beware the big orange cone! Spring means many things, the robins return, the ice cream shops re-open and road crews are blocking lanes. It is a necessary evil. Winter can be brutal with potholes popping up, corrosion of overpasses and bridges, and erosion in safety lanes. The roadways need to be fixed for your safety and mine and many road crews put their lives in your hands when they step out onto the asphalt. But on a recent trip, I happened to notice that many drivers are ignoring or forgetting some of the rules, regulations, laws and common sense learning that coincides with “sharing the road.” So, a quick refresher on road safety inside and outside of work zones: *THE PROBLEM OF POT HOLES: Just a few inc ...
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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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One of the biggest fire dangers in your home, that you don't even notice

post image They seem so innocuous. Lining the walls of your home, blending into the rooms like pieces of the furniture. The only time you notice them is when you must plug in or unplug an appliance. Electrical outlets seem like such a low maintenance aspect of your home. Dust them occasionally when cleaning the floors and you are good to go. Let’s try an experiment. BING the the term, “Electrical Outlet” and look under the NEWS headings. Astonishing, the amount of news stories appearing that deal with fires and fatalities determined to be caused by electrical outlets. The Fire Department of New York released a report on 1/9/17 stating that: “The Highest Cause of Fire Deaths in 2016 was “electrical”. Per the department's statistics, 14 of the 48 fire-related deaths in New York City last year were due to electrical issues. Overworked, under-maintained sockets or power cords were to blame for the fatalities.*** So, how do you keep from having your home become a statistic? Th ...
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New Year, Fresh Start, Clean Slate

post image   5 Insurance -  Related New Year’s Resolutions for a Healthier Life and a More Organized World   Number 1. What’s Inside the House Counts, Too. Fires happen. Houses burn to the ground. Homeowners purchase insurance because with every dwelling, there is a possibility of this occurring. Advice from an insurance professional, take a home inventory. A house fire is one of the most stressful experiences a homeowner can deal with. There are instances when every single item you own, is gone.  I cannot tell you how many times I have had to sit down with heartbroken, confused and traumatized clients who have no idea what is contained on the inside of their home, or what the value is of those items. They are at a loss. In case of a disaster, (be it fire/flood or theft) the insurance policy claims will go so much more smoothly if an itemized household inventory is available. There are tools to help you with this: “Know Your Stuff” Free Home Inventory App from th ...
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Hello, My Name Is Joyce and I am Calling To Scam You!

post image Last evening I was sitting in my kitchen and the phone rang. Absorbed in a project, I let the phone call go to voicemail. After completing what I was working on, I pressed the button on the phone and listened to the message. It was a lady’s voice, very professional, sounded “real”. She was informing me that her name was Joyce; she is a Customer Service Representative from Orange and Rockland Utilities and she was calling because records show that I am behind on my account, and for my convenience she would be happy to take the payment information over the phone. Since she missed me she would try again later. I looked at the I.D. on the phone and indeed it said “O & R”. But then I remembered, my account is fine. As a matter of fact, Orange & Rockland owes "me" a credit because I overpaid last quarter. Confused, I called them. The representative from the utility company stated that no call was placed by them to my residence. Furthermore, Orange & Rockland DOES ...
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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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Turkey, Travel, and Other Tips for A Thankful (and Tranquil) Thanksgiving

post image In a few days, some of you will be taking to the highways to head home or maybe on vacation for the Thanksgiving Holiday. Others will be preparing meals for guests or deep frying turkeys in vats of peanut oil. There is a lot of activity happening in most people’s lives in the next week and although we look forward to the festive feasting and fun aspects of the holiday, safety-wise and statistically there are a few things that you will need to look out for: TIME TO MAKE THE TURKEY –  According to the American Red Cross, cooking fires nearly double on Thanksgiving Day, occurring more than twice as often as on any other day. Maybe it is because turkey is not something that is on our weekly menu and it needs special handling. Maybe it is because we often have so much to do to prepare for our feast that we are distracted while cooking. But whatever the reason, the last thing you want is an emergency room visit, or a house fire on the holiday. So here are some common-sense holiday cooking ti ...
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Your Trash, Talks! Saving Yourself from the Stress of a Break –In.

You feel so very violated. You arrive home after a wonderful weeklong “de-stressing” vacation, park the car in the driveway, turn the key, open the door and step inside. Suddenly you realize that something is a bit askew. Nothing is where it should be. And then you realize it. You have been robbed.   You don’t understand it. You stopped mail and newspaper delivery, had automatic timers placed on the lights and asked your neighbor to mow your lawn while you were gone, why did this happen? You did everything the checklist on the "Safety Tips Website"  told you to. Most thieves are not stupid. They read the same “Safety Tips” lists that you do. They know what you are thinking. Often, modern thieves do not pick a house at random. They have been scoping out the neighborhood long before you were the chosen one and they did their research before they decided to give you the honor of their breaking into your home. Preparing to NOT be a victim happens long before you pack ...
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