Winter has officially arrived, which has been blatantly apparent in our recent freezing temperatures (brrrr)! Check out these tips for added protection.
• Have all furnaces serviced and chimneys inspected and cleaned.
• Check your home’s perimeter and seal any air leaks with caulk and weather-stripping. Add additional insulation in the attic—most homes need at least 12-15 inches. Make sure insulation does not come in contact with recessed lighting that is not approved for insulation contact.
• Insulate pipes that go through exterior walls or colder areas such as garage ceilings or unheated attics.
• Turn water off to exterior hose bibs, and detach garden hoses and empty the hose bibs.
• Locate the water main shutoff valve and keep the access path clear in case a frozen pipe leak or other water issue needs to be stopped.
• If you will be away from home, make sure heating is set no lower than 60 degrees so that even cold spots do not become too cold. Open sink cabinet doors to allow heat in, and let faucets drip slightly to prevent frozen pipes.
• Consider installing an automatic water shutoff valve to prevent extensive water damages.
• In high snowfall areas, make sure no exhaust vents become buried by snow.
• Install adequate attic insulation. This helps keep your roof cold, which prevents ice damming
as a result of snow continuously melting on the roof. When replacing a roof, consider an ice
shield membrane underlayment.
• Identify a local roofer that clears snow from roofs and removes ice dams to prevent roof
collapse or interior water damage. Not all roofers clear roof snow or ice dams.
• Service back-up generators and have adequate fuel supplies on hand. Do not store fuel
inside. Even if the generator is portable, it should never run indoors.
• Have emergency supplies on hand, such as flashlights, batteries and converters to use in the
car to charge devices.
• If a prolonged power outage means having to relocate, consider shutting off the water to the
house and draining the water lines, and follow the steps listed above for being away from
For more information, please contact us or visit www.aig.com/pcg.
If you own a boat (or better yet, as the joke goes, you know someone with a boat), you’ve probably thought about spending some evenings on the water — especially in the summertime.
It’s a great thought, of course. But, when you’re boating after dark, you need to think about staying safe, even as you enjoy the stillness of the water and the starry sky.
Here are seven things to keep in mind, both before you hit the water and once you’re out cruising around:
While these tips are important, there’s nothing like experience to help ensure a safe voyage. If you’re a new boater or just in an unfamiliar vessel, you may want to put in more hours during the day before tackling an area at night. Even then, start with short evening outings and work your way up to a moonlight ride. And don’t forget to turn on the lights at the dock before you go!
Reposted with permission from the original author, Safeco Insurance®.
You devote months to planning, working out every detail for what should be a perfect event. Unfortunately, even the best planned events are at the mercy of the unexpected. Like a flood that ruins your venue. Or a caterer who inexplicably goes bottom up. And chances are, you'll still be on the hook for all or most of the costs. Thankfully, special event insurance can help protect what you've invested in your event should the unexpected put a dark cloud over your big day.
WHAT IS SPECIAL EVENT INSURANCE?
Special event insurance helps cover financial losses that may occur when an accident, extreme weather, illness or a problem with a key vendor puts a stop to your private event. Policies often cost less than you might expect and typically offer two types of coverage:
Event cancellation coverage reimburses you for lost deposits and other charges when unforeseen circumstances cause you to cancel or postpone your function. This type of coverage may extend to special gifts, attire (lost wedding bands, for instance) and damaged photo and video files. It does not, however, cover a change of heart.
Event liability coverage helps protect you from financial loss if you're held responsible for an accident that hurts someone or causes property damage at your event. You may even be covered if one of your guests creates havoc. Many venues now require you to have liability protection before you can even book there.
WHAT TYPES OF FUNCTIONS ARE COVERED?
Events that are covered by special event insurance include but are not limited to:
WHEN SHOULD I BUY SPECIAL EVENT INSURANCE?
It's a good idea to purchase a policy as soon as you begin making deposits, because unexpected issues can crop up at any point. That said, you need to buy event cancellation coverage at least 14 days before your function date and liability coverage at least one day prior. You can buy both up to 24 months in advance.
No one wants to think about something unpleasant when planning an important day, but it's nice to know there's a policy that can help protect you from the unexpected.
Call Theodore & Associates today to talk about how you can help safeguard your big day!
“No winter lasts forever; no spring skips its turn.”
That’s a quote from author Hal Borland — but another favorite saying might be even more appropriate for this time of year: “Be prepared.”
After all, warmer weather brings plenty of risk to go with its beauty. If you aren’t ready, you could find yourself with more spring cleaning than you bargained for after heavy rains, hailstorms, and other hazards.
Here are five things you can do to get yourself and your property all set for the season.
To learn more, check out Safeco Insurance®.
Here are 5 important auto insurance tips to consider ahead of this winter's major weather events.
1. Confirm your insurance is active and premiums are paid. Have a current copy of your insurance card in your vehicle or with you.
2. Select liability limits that are right for your financial circumstances. If you find yourself at-fault in an accident and have insufficient liability coverages, your personal assets are at risk for paying the remaining financial obligation.
3. If you rent a vehicle for a trip, check with your insurance agent to see if your policy includes coverage. Also, make sure you don’t duplicate benefits from your own policy if you decide to get rental insurance. A quick call to your agent should help determine that.
4. Verify that your homeowners or renters insurance covers the theft of personal items from your vehicle, especially if you are planning to haul more expensive items. Many people believe that vehicle insurance covers replacement of stolen items from their vehicles, but that usually is not the case.
5. Know if your policy includes roadside assistance, such as towing, fuel delivery, lockout service and jump-starts.
In addition to the insurance tips above, Department officials advise drivers to keep emergency kits in their vehicles, especially for long trips. A good kit should include a first-aid kit, batteries, flashlights, drinking water, snacks, jumper cables, ice scrapers, tissues and towels, a tow rope, extra clothing and blankets.
State officials also recommend checking in on family members ahead of dangerous winter weather events, and reassessing your immediate family’s insurance needs. Make sure that important insurance and legal papers are in a secure place that more than one person knows about. Assess personal insurance needs for yourself and your family. Needs for an older adult, for example, could be much different from those of a child or grandchild.
For more information, please visit PropertyCasualty360.