Posts Tagged ' sanford insurance'

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The difference between dry possessions and a soaked home is simply a couple of inches.

June 1st is less than 20 days away …. a little over two weeks. To many people, June is a month filled with flowers, weddings and graduations. Open the pool, spark up the grill, count the days until vacation, these are all good things.The downside of June is that it is also the beginning of the Atlantic Hurricane Season, which extends from June 1st through November 30th. It has been a few years since Sandy and Irene; and more than a decade since Hurricane Katrina. Over time, people tend to quickly forget and move on from these events. Life becomes business as usual and the memory of the catastrophe seems to soften. So I am imploring you to consider talking to your insurance agency about the importance of Flood Insurance; now, this minute, immediately. I have personally witnessed the devastation that can occur to families that have had to deal with flash floods, clogged municipal sewer systems, and 14 days of driving endless rain. The horror of watching the water creeping slowly towards the house and t ...

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Drones, Hoverboards and All Terrain Vehicles, Oh My!

The wrapping paper has been picked up off of the living room floor. The refrigerator is stuffed with piles of leftovers and next week; everyone is planning on heading back to the gym. The holidays are almost over and all of the new "TOYS", both large and small, are ready for use. But before you fly that drone, hop on that hoverboard or take off on that ATV, some thoughts .... Inside industry sources are predicting that sales of Drones will have exceeded 400,000 for the 2015 holiday season. According to the New York Daily News, The FAA has reported that they already received more than 45,000 registration requests just two days after applications opened on Dec. 21. The FAA is also predicting 300,000 more by the January 19th, 2016 open registration date.  The massive influx is coming from a law requiring all owners to register their flying devices, from drones that weigh about as much as two sticks of butter (.55 lbs.) to a punching bag (55 lbs.).  That is a lot of little novice pilots maneuvering a ...

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#Cyber-Aware- If you had a 70% chance of a car accident, you would purchase auto insurance. If you own a small business, you have a 70% chance of a Cyber-Breach

Saturday was the conclusion of Cyber Awareness Month. To give you a bit of background, President Obama designated October as National Cyber Security Awareness Month, “to engage and educate public and private sector partners through events and initiatives with the goal of raising awareness about cyber-security and increasing the resiliency of the nation in the event of a cyber incident.” The Department of Homeland Security, whose purpose is to secure the nation from threats, is the designated "lead agency" concerning all civilian computer systems and infrastructure. The department's focus is defensive, (providing and dispersing information to prevent data from becoming compromised) and responsive, (distributing threat warnings, reacting to data breaches). The DHS's mission is simply to make you aware of the threat, work to minimize it, and handle the repercussions when a data breach occurs.  And although the DHS and other government and private sector interests are doing a wonderful job o ...

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Halloween ... I don't want you to have any regrets (other than eating too much chocolate).

The town that I live in, Warwick, NY is a truly festive place during autumn. Throngs of tourists visit to run through corn mazes and pick apples, Warwick hosts one of the largest street fairs in the country with "Applefest" and Halloween is considered one of the highlights of harvest season with a parade through the village and cider and donuts for all in the Railroad Green Park. But with every frightful haunted house visit and every kid in a costume, running across a front lawn seeking candy, there are always issues of safety and liability. (And no, I am not attempting to spoil your fun ... I love Halloween. It's just that "life happens" and I thought this might be a good time to for a quick reminder on keeping everybody safe, before the kids are let loose to terrorize and seek treats). NINE IMPORTANT SAFETY TIPS TO KEEP YOUR HALLOWEEN FROM TURNING INTO A HORROR SHOW: HAUNTED MANSIONS AND SLAUGHTERHOUSES: I will never forget three decades ago, when a group of thrill-seekers perished in a Haunted House at ...

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Deer in the Headlights: It's Mating Season for Bucks, Does, Bears and Cows

Romance is in their air during the months of October through December in the animal kingdom. You are driving down the highway during dawn to work, or home at dusk. Suddenly out of nowhere, a 5-point 400-pound Buck leaps smack into the middle of the road. Sounds ridiculous, but it happens, often this time of the year and on a daily basis. Just ask any auto shop or insurance carrier, who claim to have an uptick of animal-to-vehicle collisions of over 25% during fall. According to Insurancenews.net the odds of a deer collision are increasing. The population of white-tail deer has escalated to 30 million. That is over 100 times more than a century ago. The odds of hitting a dear are 1 in 169 during the year, but that figure doubles from autumn through early winter as mating and migration season for many large animals commences and the freeways are filled with them. Loss of their natural habitats due to population growth and sprawl, plus decreasing deer hunts have added to an increase in the deer population in su ...

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One of the most important insurance policies you will ever own .... that many people overlook

True story. Two families lived next to each other for years. The teenagers were best friends since preschool and grew up side-by-side. The mothers were in the PTA and played Bunco every Tuesday night. The fathers golfed in the summer, coached travel hockey in the winter. Holidays, BBQ's and Sunday afternoon Giants games were shared, as the children grew and the years rolled on. One day, when the kids were in high school, they decided to go to an outdoor concert. One of the teenagers grabbed the keys and got behind the wheel of his dad's car. On the way,  a horrific auto accident occurred. Everyone involved was airlifted to Westchester Medical Center for severe trauma.  Luckily, for both families, their children survived the crash, but it took many months of hospitalization, surgery, and rehabilitation for the teens to return to normal.   What began as a unified group of friends and family pulling together to make the kids heal, started slowly unraveling as the hospital bills started arrivi ...

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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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Because out of all the insurance policies you will own in your lifetime, none is as important as life insurance for your family.

September is National Life Insurance Awareness Month. Yes, I know what you are thinking, there is a month dedicated to everything from “National Frozen Food Month” – (March) to National Novel Writing Month (November) …. But there is a big difference between packs of petrified peas and preparing for the future of your family.  So this is my “PUSH” for life insurance. Because out of all the insurance policies you will own in your lifetime, none is as important as life insurance for your family.  Honestly, no one wants to talk about or read about, life insurance. It is not a subject most people desire to discuss and generally people put if off as long as possible. But you would not believe how many people are woefully under-insured when it comes to their life insurance policies. Often, people assume that the polices they receive as compensation packages from the companies they work for are sufficient. Often they are not. Certainly with the rising cost of clothi ...

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Four Major Schemes and Scams that Target Senior Citizens

  In my eyes, there is nothing more sickening than scam artists that prey upon our senior citizens. This segment of society is especially vulnerable to fraud, because of their trusting nature and polite manner. They are often uninformed of how technology can be used for nefarious purposes.  Scams have become so sophisticated that often entire bank accounts are depleted in the blink of an eye. Senior Citizens nest eggs and life savings can vanish without a trace. One in every five Americans age 65 or older has been abused financially, according to a 2010 survey by the Investor Protection Trust, a financial-education organization. People 60 years and older were 26 percent of all fraud complaints tracked by the Federal Trade Commission in 2012 -- the most of any age group. True Link Financial found that the overall cost of this fraud is 12 times previous estimates -- more than $36 billion worth. Previously, the most frequently cited estimate of the amount of money lost to elder financ ...

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Making the Difference In the Life of a Student

Every Spring, when the school system begins to gear up for High School Graduation, there is huge amount of celebration and announcements concerning the Senior Class. In the lead up to the ceremony, the local community publishes a list of Universities and Trade Schools that the graduates are going to attend in the fall. And although the school systems generally do a fine job in preparing children to move onto higher education, there is a segment of every class that is at a loss what to do after the diploma is handed to them. Maybe they cannot afford the crushing cost of college tuition.   Maybe sitting in a classroom and learning for four more years is just not something they aspire to.  Maybe they lack direction because there is no one there to steer them.  One of the worst things that can happen is that they end up making poor choices or do nothing. Realizing that there is a need to give these young adults some direction, and combining it with the statistic that over 400,000 jobs in t ...

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