tag:blogger.com,1999:blog-57415852620342249112024-03-13T03:52:19.665-04:00Fey Insurance BlogFey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comBlogger188125tag:blogger.com,1999:blog-5741585262034224911.post-77687517685030592732017-02-17T14:08:00.000-05:002017-02-17T14:08:05.347-05:00Original Fire Insurance Policy<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-uaoBt6xD7OA/WKdJ7DhaYqI/AAAAAAAAAdk/ybK5kiADjnQ7fncMDko0lHBDltJ97Gv_QCLcB/s1600/IMG_3049.JPG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="320" src="https://1.bp.blogspot.com/-uaoBt6xD7OA/WKdJ7DhaYqI/AAAAAAAAAdk/ybK5kiADjnQ7fncMDko0lHBDltJ97Gv_QCLcB/s320/IMG_3049.JPG" width="240" /></a></div>
<span style="font-family: Calibri;">Today when
you receive your homeowner policy in the mail it comes as a thick packet
usually about 40-50 pages in depth.<span style="mso-spacerun: yes;"> </span>Each
year the policy renews, you get a similar package delivered to you.<span style="mso-spacerun: yes;"> </span>On and on this goes until you sell your current
house and then get another.<span style="mso-spacerun: yes;"> </span>Once again,
however, as you setup your homeowner policy on the new house you get yet another
40-50 page packet.<span style="mso-spacerun: yes;"> </span>I mention this
because it was not always this way.<span style="mso-spacerun: yes;"> </span>Like
every other industry, things used to be simpler.<span style="mso-spacerun: yes;"> </span>The photo that is with this article is of a fire
policy dating back to 1833 that hangs in our office.<span style="mso-spacerun: yes;"> </span>During the time of this policy there was only
one page to the insurance packet.<span style="mso-spacerun: yes;"> </span>It
held the logo of the insurance company on the top and then the rest of it was
the contract language.<span style="mso-spacerun: yes;"> </span>When you sold
your home you did not go out and purchase another policy.<span style="mso-spacerun: yes;"> </span>Instead you would go get the insurance policy
from the prior homeowner and have it signed over to you.<span style="mso-spacerun: yes;"> </span>If you look closely at the photo you will see
where there is writing all around the document which shows the different transfers
of ownership.<span style="mso-spacerun: yes;"> </span>Ah, the simpler times.<o:p></o:p></span><br />
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<span style="font-family: Calibri;">One thing to
note though, this policy only covered you for fire.<span style="mso-spacerun: yes;"> </span>Damage from wind, theft, water leaks, liability,
etc. had not been invented yet.<span style="mso-spacerun: yes;"> </span>Though
they were simpler times the coverage was not nearly as good as it is today.<o:p></o:p></span></div>
Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-45666654816100065372017-02-01T15:54:00.002-05:002017-02-01T15:54:48.208-05:00CYBER INSURANCE, PROTECTING DATA & COMPUTER NETWORKS<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-1LcfuVjZrEU/WJJK13wf7CI/AAAAAAAAAdI/XOBrJGnXoJc-bNpxxlsrJ9aSF6Cq5Zt7gCK4B/s1600/Pic.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://3.bp.blogspot.com/-1LcfuVjZrEU/WJJK13wf7CI/AAAAAAAAAdI/XOBrJGnXoJc-bNpxxlsrJ9aSF6Cq5Zt7gCK4B/s400/Pic.jpg" /></a></div>
<span style="color: grey; mso-themecolor: background1; mso-themeshade: 128;"><span style="font-family: Calibri;">A risk that is
not addressed by many businesses in this era of technology is protecting
data.<span style="mso-spacerun: yes;"> </span>Whether that data is your own data
or that of your clients, it constantly stands at risk of theft or
corruption.<span style="mso-spacerun: yes;"> </span>We always recommend taking
risk management action such as firewalls, strong passwords, management of
mobile devices, etc.<span style="mso-spacerun: yes;"> </span>However, one other
risk management action we recommend is the purchase of insurance that will
cover your business for network data breaches, electronic copy write
infringements and computer viruses.<span style="mso-spacerun: yes;"> </span>We
strongly recommend this to businesses that deal with Personal Identifiable
Information (PII) which are things like dates of birth, social security
numbers, addresses, credit card information, financial information and health
information.<span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><o:p></o:p></span></span><br />
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<span style="color: grey; mso-themecolor: background1; mso-themeshade: 128;"><span style="font-family: Calibri;">Your typical
liability and property insurance policies do not have the type of coverage that
best protect your business if you were subject to a cyber-attack or stolen
data.<span style="mso-spacerun: yes;"> </span>There are specialty policies built
to help keep your business going after such claims.<o:p></o:p></span></span></div>
Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-60706410959250507012017-01-18T15:11:00.000-05:002017-01-18T15:11:09.736-05:00Driver Safe Using New Technology<div class="separator" style="clear: both; text-align: center;">
<iframe width="320" height="266" class="YOUTUBE-iframe-video" data-thumbnail-src="https://i.ytimg.com/vi/KrhR21aCWwU/0.jpg" src="https://www.youtube.com/embed/KrhR21aCWwU?feature=player_embedded" frameborder="0" allowfullscreen></iframe></div>
<span><span>There is a lot of new technology in cars to help keep you safe when driving on the road. These tech features are only good if you know how to use them when driving. Here is a video put together by Travelers insurance to help educate you on a few tips.</span></span>
Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-40175453080103853032017-01-04T09:00:00.001-05:002017-01-04T09:00:51.912-05:00Our best tips to help your property withstand winter<span style="font-size: xx-small;">By </span><a class="author url fn" href="http://blog.cinfin.com/author/laurahobbs2013/" rel="author" title="Posts by Cincinnati Insurance"><span style="font-size: xx-small;">Cincinnati Insurance</span></a><br />
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If you haven’t made preparations already, now might be your last chance to get your home or business in shape before the coldest months of the year. Here are our best tips for commercial property owners and homeowners that can help you prevent damage from the worst that winter has to offer.<span id="more-3135"></span><br />
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<strong>A well-maintained building is ready for winter</strong><br />
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Buildings protect us from the elements but, like people, are not immune to seasonal change. Take action to help protect your commercial building from the effects of winter. Your efforts now will keep you and your customers more comfortable later.<br />
Here are some tips for owners of commercial buildings covering general building maintenance; snow and ice removal and management; and frozen pipe prevention. <a href="http://blog.cinfin.com/2013/10/17/fall-commercial-building-maintenance/" target="_blank"><strong>More</strong></a><br />
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<strong>Let it flow! Let it flow! Let it flow!</strong><br />
Did you know that letting your most weather-susceptible faucets drip during periods of extreme cold can keep your water pipes from freezing? Don’t let cold weather ice your pipes this winter!<br />
Because liquid expands as it freezes, pipes full of water are vulnerable, and those outdoors or running against exterior walls are especially susceptible. With a few preventive steps, you can save the expense and bother of burst pipes and water damage. <a href="http://blog.cinfin.com/2013/12/12/winterize-your-pipes/" target="_blank"><strong>More</strong></a><br />
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<strong>First aid for frozen pipes – steps to prevent more problems</strong><br />
There’s plenty of cold weather ahead of us – enough to freeze pipes, causing costly water damage at your home or business.<br />
If you suspect you have a frozen pipe – you’ve turned on the faucet, but no water comes out – call a qualified plumber immediately. Shut off the main water valve, and leave the faucets open until repairs are made. If a pipe has burst, take the necessary steps to prevent further damage, and contact your insurance agent to file a claim. <a href="http://blog.cinfin.com/2014/01/14/prevent-frozen-pipes/" target="blank"><strong>More</strong></a>Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-35387164577458167122016-11-09T14:04:00.001-05:002016-11-09T14:04:17.632-05:00New federal overtime guidelines under FLSA<span style="font-size: x-small;">By </span><a class="author url fn" href="http://blog.cinfin.com/author/ysepeck/" rel="author" title="Posts by Yelana Sepeck"><span style="font-size: x-small;">Yelana Sepeck</span></a><span style="font-size: x-small;"> and </span><a class="author url fn" href="http://blog.cinfin.com/author/jviel/" rel="author" title="Posts by Jeff Viel"><span style="font-size: x-small;">Jeff Viel</span></a><span style="font-size: x-small;"> of Cincinnati Insurance Company</span><br />
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A new federal rule for overtime pay that becomes effective December 1, 2016, may increase an <span style="font-size: x-small;">employer’s</span> need for EPLI – employment practices liability insurance.<span id="more-3009"></span><br />
In May 2016, the U.S. Department of Labor published a final rule updating its overtime regulations. For decades, the DOL’s federal wage and hour law, known as the Fair Labor Standards Act (FLSA), required employers to pay nonexempt employees overtime at 1.5 times an employee’s regular rate of pay for hours worked in excess of 40 per week. The DOL last updated the exemptions to the FLSA’s overtime standards in 2004.<br />
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<a href="https://3.bp.blogspot.com/-e32utLnYW7M/WCNy5IsfokI/AAAAAAAAAcE/OmyTiNab67cDmTCbSSrn9sTzASBMa_dcwCLcB/s1600/desktop-with-coffee-and-tablet-300x169.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://3.bp.blogspot.com/-e32utLnYW7M/WCNy5IsfokI/AAAAAAAAAcE/OmyTiNab67cDmTCbSSrn9sTzASBMa_dcwCLcB/s1600/desktop-with-coffee-and-tablet-300x169.jpg" /></a>The 2016 update expands eligibility for overtime pay by limiting exemptions. And states can expand overtime protections even further. If your business employs nonexempt workers, it is essential that you familiarize yourself with any updates to state-specific rules.<br />
EPLI coverage protects your business or organization and your employees when confronted with allegations that an employee’s rights were violated. EPLI provides protection for covered claims, relieving insureds from paying significant defense costs and potential settlements or judgments. Additionally, having the proper protection in place helps you attract and retain the most qualified people.<br />
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The new overtime rule effective December 1 more than doubles the salary threshold for exempt employees, increasing the number of employees eligible for overtime pay.<br />
In most instances, employers must reclassify salaried employees who earn less than $913 per week as nonexempt employees. This means that formerly salaried employees earning less than $47,476 annually will become eligible for overtime pay.<br />
Going forward, the DOL will update the salary and compensation levels automatically every three years. According to DOL projections, it is estimated that on January 1, 2020, the threshold will rise to $51,000.<br />
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The updated rule allows employers to consider some nondiscretionary bonuses, commissions and various types of incentive payments to satisfy up to 10 percent of the salary threshold.<br />
If you have not begun implementing a strategy to comply with the updated overtime rule, now is the time to begin. A successful implementation strategy includes:<br />
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-A detailed transition plan<br />
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-Handouts explaining the new rules and transition timelines<br />
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-Talking points for managers responsible for discussing changes with employees<br />
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-Training on proper time-reporting procedures for reclassified employees<br />
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-Addressing changes in payment frequency or timing for reclassified employees<br />
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Like many employment issues, the new overtime guidelines can be complex. Contact your <a href="https://www.cinfin.com/find-agency" target="_blank">local independent agent</a> to discuss EPLI coverage for your business.<br />
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<em>Coverages described here are in the most general terms and are subject to actual policy conditions and exclusions. For actual coverage wording, conditions and exclusions, refer to the policy or contact your independent agent.</em>Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-53347117548967816332016-10-12T14:04:00.000-04:002016-10-12T14:04:12.783-04:00Make sure your insurance keeps up with your business<span style="font-size: xx-small;">Cincinnati Insurance Company Blog by Wayne Pinney</span><br />
A business owner doesn’t have to understand every detail of a machine or a process to benefit from it. How many drivers understand what is going on under the hood? How many machine operators are able to repair the machine? Insurance coverage can be the same way.<br />
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<a href="https://3.bp.blogspot.com/-joYkDJNQsoc/V_56qBISkKI/AAAAAAAAAbo/qCfrgHL4cEI4u06CwxtbE9_PVdRXRnclACLcB/s1600/engineer-300x169.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://3.bp.blogspot.com/-joYkDJNQsoc/V_56qBISkKI/AAAAAAAAAbo/qCfrgHL4cEI4u06CwxtbE9_PVdRXRnclACLcB/s1600/engineer-300x169.jpg" /></a>Just as you rely on a qualified technician to properly evaluate, maintain or repair a complex piece of equipment, you rely on your independent agent to evaluate your insurance needs and guide you in obtaining the necessary coverages, including business interruption and extra expense coverage.<br />
For example, consider essential equipment you use every day to operate your business. The equipment does not have to be involved in actual manufacturing or assembly of a product to be vital to your operation; it could be equipment used to provide services, facilitate communication or manipulate critical data.<br />
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To be successful, you must invest considerable time, effort and expense to evaluate costs of operating and maintaining the equipment. Unless you make that investment before you buy, you could be in for unpleasant surprises. And you’re not home free once the equipment is installed and contributing to your business’s success. You need to know how the machinery – or its failure – could affect your bottom line.<br />
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Similarly, you don’t want to guess about the production value of equipment when you establish insurance limits and deductibles needed to recover from a covered equipment failure.<br />
Business interruption and <a href="http://blog.cinfin.com/2013/08/29/extra-expense-coverage/" target="_blank">extra expense</a> insurance coverage is calculated based on the language in your insurance contract and in accordance with accounting principles. It also takes into consideration many aspects of your operating profits and expenses that may not be obvious from a cursory review of production numbers.<br />
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Business interruption coverage is just as important to your business as the machine itself – maybe more important. It’s not uncommon for the business interruption portion of a covered machinery and equipment loss to dwarf the loss associated with physical repair of the equipment.<br />
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Your <a href="https://www.feyinsurance.com/" target="_blank">local independent agent,</a> who is familiar with your business and the provisions of your insurance contracts, can be a source for essential information and guidance. Consider inviting him or her into any conversation you may have about protecting your business from loss. You will be glad you did.Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-2369870120088305602016-09-08T16:37:00.001-04:002016-09-08T16:37:24.664-04:00Are you properly insuring your other structures?<span style="font-size: xx-small;">Cincinnati Insurance Company Blog by William Maples </span><br />
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There’s more to your homeowner policy than just coverage for the house you live in. It also provides coverage for other structures on your property.<br />
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These may include all structures and buildings not sharing a foundation with your house. <span id="more-2919"></span>Most insurance policies provide 10 percent coverage for other structures. For example, if you insure your home for $200,000 an additional limit of $20,000 applies to all other structures. Remember that if you have a total loss, you don’t receive $20,000 for each structure, but $20,000 total for damage to all other structures. A large detached garage by itself can exceed this amount in many cases.<br />
So how do you know you have appropriate coverage?<br />
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If you have detached structures on your land, it is best to consult with your local independent insurance agent to discuss options. A pool house, large barn, garage with living space, fence, freestanding deck and stable may fall into different categories, and your agent can help make sure you have the correct coverage to protect you in the event of a total loss.<br />
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While the chances of losing all your other structures at one time are small, you want to secure enough coverage to protect your investments. You may need more than the 10 percent standard coverage for appurtenant structures.<br />
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Also consider that many different types of structures could qualify for coverage on your policy, and it’s important to select the correct category based on usage. Your agent can advise you on the information you will need to provide to obtain the coverage that’s right for your situation.<br />
A good example is a barn. Barns can be built in many different ways from a variety of materials. By providing accurate information on usage and construction, you can be assured that your property is protected.<br />
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If your other structure is being rented, is used for a business or was not reported, you are most likely not adequately insured. Your agent has the expertise to guide you.<br />
Finally, don’t forget to assess how much insurance protection you need for personal property housed in your other structures. For example, a home woodshop in your barn could have valuable equipment you’ll want to protect. Ask your agent for advice.<br />
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The best way to look at it is to think of insuring your other freestanding structures the same way you would your home. You want 100 percent coverage for each structure in the event of a loss. Replacement of these structures is typically less expensive than a home, but those costs can add up and represent a significant loss.<br />
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<em>Coverages described here are in the most general terms and are subject to actual policy conditions and exclusions. For actual coverage wording, conditions and exclusions, refer to the policy or contact your independent agent.</em>Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-74791816049366266542016-04-27T08:53:00.000-04:002016-04-27T08:53:33.354-04:00No business is too small for cyber criminals<span style="font-size: xx-small;"><em>Cincinnati Insurance Company Blog Post (3/31/16) - Kate Miller</em></span><br />
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Data breaches make the news when big retail chains get hit with a cyber attack. You may even be notified of the breach by the retailer if they have reason to believe your data was compromised. Or, you may read about data breaches when you receive a new credit card or are offered identity theft protection.<br />
<a href="https://1.bp.blogspot.com/-62wtgVAdorE/VyC2HmNNCLI/AAAAAAAAAa0/w-hszZnznjgkkyMjair5OIxUJbDvddFwgCLcB/s1600/computer-hacker-300x169.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://1.bp.blogspot.com/-62wtgVAdorE/VyC2HmNNCLI/AAAAAAAAAa0/w-hszZnznjgkkyMjair5OIxUJbDvddFwgCLcB/s1600/computer-hacker-300x169.jpg" /></a>What you might not hear about are the cases where a business owner goes bankrupt after a data breach.<span id="more-2690"></span> A 2012 study by the <a class="external external_icon" href="https://staysafeonline.org/business-safe-online/assess-your-risk" rel="nofollow" target="_blank">National Cyber Security Alliance</a> found that 60 percent of small to midsize businesses that suffered a breach went out of business within six months.<br />
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<strong>FIRST LINE OF DEFENSE</strong></h5>
Your first line of defense as a business owner is to educate yourself on how to prevent or mitigate a breach. Follow news reports, and take advantage of <a class="external external_icon" data-original-title="" href="https://staysafeonline.org/business-safe-online/" rel="nofollow" target="_blank" title="">online materials</a> available to help you prepare for and respond to cyber attacks.<br />
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<strong>SECOND LINE OF DEFENSE</strong></h5>
Your <a href="https://www.cinfin.com/find-agency" target="_blank">local independent insurance agent</a> could be your second line of defense, providing information about Internet exposures and insurance products. Any business that handles private information is at risk of breach and subject to cyber exposures. Private information includes personal identifiers (Social Security numbers, birth dates, driver’s license numbers, etc.), financial information (bank or investment accounts, credit cards, etc.), medical or medical claim history, employee personal data or student records.<br />
Companies that use third parties to process their transactions or record keeping, such as payroll, employee benefits or billing, also have the potential for a cyber loss. Consider the possibility of that third party experiencing a data breach where you might be ultimately responsible for the breached records.<br />
<h5>
<strong>WHY BUY CYBER INSURANCE?</strong></h5>
Cyber insurance can reimburse for expenses incurred such as:<br />
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-Breach notification law compliance – 47 states have data breach notification laws that include an obligation to notify those whose information has been breached and certain federal laws, such as HIPAA, may also require similar notifications.<br />
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-Breach response costs – for example, notifying and providing services to affected individuals<br />
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-Opportunity costs and out-of-pocket expenses involved in resolving identity theft problems for business owners and customers<br />
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-Damage to the business computer systems and data due to unauthorized access, hacking, malware or denial of service attacks.<br />
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Remember, data comes in all forms, paper and electronic, and business owners need to protect data to manage risk. <strong><br /></strong>Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-27426669182043427092016-02-04T16:19:00.000-05:002016-02-04T16:19:45.273-05:00To File or Not to File a Claim?
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<span style="font-size: 11pt;"><span style="font-family: Calibri;">When should I file a claim and when should I not? It is a common question we get in our agency and every time it is asks we always say, "it depends on each situation". Let's first tackle this question with how claims can affect your insurance. </span></span></div>
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<span style="font-size: 11pt;"><span style="font-family: Calibri;"><br /></span></span></div>
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<a href="http://2.bp.blogspot.com/-w_Ah7Rc-LO8/VrPAQfZvDyI/AAAAAAAAAao/KOSv9u0k1D0/s1600/th7Z3PNJCL.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://2.bp.blogspot.com/-w_Ah7Rc-LO8/VrPAQfZvDyI/AAAAAAAAAao/KOSv9u0k1D0/s400/th7Z3PNJCL.jpg" /></a><span style="font-size: 11pt;"><span style="font-family: Calibri;">It varies by insurance company but most companies look at a 6 year window for home insurance claims and a 3 to 5 year window for auto insurance claims. What this means is that if you file a home claim it can have an affect on your premium for up to 6 years and if you file a claim on your auto insurance it can affect your premium for 3 to 5 years. If you have more than one claim in this window of time it can really have an impact on your premium and may even cause some insurance companies to look at canceling your coverage. With this in mind, it is best to consult with your insurance agent to see what prior claims you have on your record before deciding whether or not to file a claim. If you already have a claim inside one of those windows of time then it may be worth contemplating whether to file a claim or not.</span></span></div>
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<span style="font-size: 11pt;"><span style="font-family: Calibri;"><br /></span></span></div>
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<span style="font-family: Calibri;"><span style="font-size: 11pt;">Let me break for one second to mention that liability claims are a must file. These would be auto accidents that involve a third party bodily injury or a homeowner claim that involves injury to another person. These need to be handled by the insurance company and their legal firms. Also, if you have a large claim such as a totaled vehicle or large size house damage, these too are claims you would want to file without hesitation. The claims that we are talking about that may or may not be worth filing are things such as backing your car into a light post, backing into an unoccupied car or driving off the road and causing damage to the front bumper when you hit a ditch. On the homeowner side, it would be small claims such as ice dams that cause a $1000 or $2000 worth of damage or a roof claim that the repair is only a $1000 or so. These are the types of claims it is worth contemplating </span><span style="font-size: 11pt;">prior to filing. When you factor in deductibles and the affect on your premium for a few years, those smaller claims may be best to pay out of pocket.</span></span></div>
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Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-3118535886641565662016-01-07T10:15:00.000-05:002016-01-07T10:15:40.525-05:00Protect Your Building from the ColdArctic temperatures can have a dramatic effect on your building — and your livelihood. Regular maintenance and a winter weather plan can help you avoid any negative impact.<span id="more-2555"></span><br />
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<strong>WHAT CAN HAPPEN</strong></h5>
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Winter storms frequently cause electrical power failure, which in turn can disable your heating system. If this happens, water-filled piping (such as <a href="http://blog.cinfin.com/2015/12/08/fire-protection-system-freezing/" target="_blank">sprinklers</a>, domestic water pipes and heating, ventilation and air conditioning systems) may freeze and rupture. It is important to assess the potential for this hazard.<br />
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<li>Inspect all safety shutoff valves and cutoff switches on combustion equipment such as rooftop units, boilers and ovens, including water main shutoffs and main electrical service disconnects.</li>
<li>Have qualified contractors or staff properly inspect heating, air-handling units and space heaters on at least an annual basis. Assure that space heaters are monitored for fire safety.</li>
<li>Review the location and storage of flammable liquids such as propane, gasoline and diesel fuel. Should your sprinkler system freeze and require that it be disabled, it is recommended to reduce this storage to a minimum to minimize the amount of fuel in a fire.</li>
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Without proper winter weather preparation, your business could experience property damage — roof collapse, pipe rupture and more.<br />
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<strong>HOW TO REDUCE YOUR RISK</strong></h5>
There are some strategies you can implement to protect your facility and minimize the impact of severe weather on your business:<br />
<ul>
<li>Maintain building temperatures above 55 degrees. Plan for maintenance personnel to properly monitor buildings during cold snaps, making more frequent visits to buildings or areas of buildings not normally occupied.</li>
<li>Inspect all areas along the inside and outside perimeters of the building to ensure they are sealed and there are no drafty areas.</li>
<li>Maintain roofs in good condition, including repairing leaks, securing flashing and clearing debris from the roof, roof drains and overflow scuppers.</li>
<li>Check that downspouts are secured to buildings and clear of leaves and debris. If they iced over during a previous winter, consider properly installing heat trace to prevent major icicles and dams.</li>
<li>Make sure all building openings are weather-tight so they do not admit cold air.</li>
<li>Consider how you’ll address removing snow accumulation on your roof. If you or a contractor use a snow blower, make sure the height of the snow blower shave plate is adjusted higher as to not damage the underlying roofing material.</li>
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Gusting winds, heavy snow and bitter temperatures can create catastrophic property losses and havoc in your life, but a little preparation can prevent losses, saving you time and money.Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-65314004058013272642015-12-17T16:11:00.000-05:002015-12-17T16:11:31.826-05:00Safe Travels this Holiday! The Holidays are in full swing and with Christmas just a couple of days away; many have already started their Holiday travels. Being the insurance people that we are, here are a few tips for a safe and secure season of travel. <br />
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1) Make your home seem like someone is still there. You can do this several ways. Leave your front and back porch lights on so that at night your house is lit up. Ask a neighbor to collect your mail while you are gone so it doesn’t stack up. You can also ask the post office to hold if for you until you get back. Another way to make it look like you are home is to ask a neighbor to pull in and out of your driveway at some point if it snows giving the appearance that you have been in and out of your house.</div>
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2) Don’t show off to the Facebook world that you are on vacation. I know this can be tough for some but letting everyone know you are out of town on Facebook can be dangerous. We recommend waiting until you get home from your trip before you post vacation pictures.</div>
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3) Car travelers should be prepared for heavy snow at all times. The best way to do this is to make sure you have extra blankest, windshield washer fluid, ice scrapers and even a small shovel. You never know when you might need any of those things. Also, be sure to have your phone charged during the trip so that you have it in case of an emergency.<br />
<br /> 4) Don’t skimp on heat in your home: This time last year our big recommendation in our “<a href="http://feyinsuranceblog.blogspot.com/2009/12/traveling-over-holiday.html"><span style="color: #073763;">Traveling Over the Holiday</span></a>” blog article was to keep the heat in your house at a reasonable level so your pipes don’t freeze. Again, we recommend this.<br /><br /> Those are just a few simple tips. We here at <a href="http://www.feyinsurance.com/"><span style="color: #073763;">Fey Insurance</span></a> hope you have a wonderful Holiday and Merry ChristmasFey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-68704923746316657842015-11-25T11:12:00.000-05:002015-11-25T11:12:36.326-05:00Thanksgiving Safety Tips from NFPA <span class="body">Here is an article from the <a href="http://www.nfpa.org/index.asp"><span style="color: #073763;">National Fire Protection Association</span></a> (NFPA) on Thanksgiving Safety Tips. From our family here at Fey Insurance Services to yours, have a wonderful and safe Thanksgiving! </span><br /><br /><span class="body"><span style="color: #073763;">THANKSGIVING SAFETY TIPS</span></span><br /><span class="body">The kitchen is the heart of the home, especially at</span> <span class="body">Thanksgiving. Kids love to be involved in holiday preparations. Safety in the kitchen is important, especially on Thanksgiving Day when there is a lot of activity and people at home.</span><br /><br /> Safety tips:<br /><br /><br />•Stay in the kitchen when you are cooking on the stovetop so you can keep an eye on the food.<br /><br />•Stay in the home when cooking your turkey and check on it frequently.<br /><br />•Keep children away from the stove. The stove will be hot and kids should stay 3 feet away.<br /><br />•Make sure kids stay away from hot food and liquids. The steam or splash from vegetables, gravy or coffee could cause serious burns.<br /><br />•Keep the floor clear so you don’t trip over kids, toys, pocketbooks or bags.<br /><br />•Keep knives out of the reach of children.<br /><br />•Be sure electric cords from an electric knife, coffee maker, plate warmer or mixer are not dangling off the counter within easy reach of a child.<br /><br />•Keep matches and utility lighters out of the reach of children — up high in a locked cabinet.<br /><br />•Never leave children alone in room with a lit a candle.<br /><br />•Make sure your smoke alarms are working. Test them by pushing the test button Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-16291189427897599492015-11-04T21:01:00.001-05:002015-11-04T21:01:43.053-05:00Flue season: Have your fireplace and chimney inspected-Cincinnati Insurance Company (Paul Thibault)<br />
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Home heating fires are the second leading cause of home fire deaths after cooking fires, according to the <a href="http://www.nfpa.org/research/reports-and-statistics/fire-causes/appliances-and-equipment/heating-equipment" target="_blank"><u>National Fire Protection Association</u></a>. Fireplaces, chimneys and flues account for a significant number of home heating fires.<br />
<a href="http://1.bp.blogspot.com/-QXMBs7YIzuc/Vjq3_eqs06I/AAAAAAAAAZ0/RmzwIRqnXkg/s1600/elegant-fireplace.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="179" src="http://1.bp.blogspot.com/-QXMBs7YIzuc/Vjq3_eqs06I/AAAAAAAAAZ0/RmzwIRqnXkg/s320/elegant-fireplace.jpg" width="320" /></a>Homeowners with a wood-burning fireplace or solid fuel stove or insert can protect your property and your family by having a qualified professional inspect and clean your chimney at least annually to prevent a buildup of creosote. <br />
Creosote is a tarry residue or solid organic compound caused by incomplete combustion of wood that can build up in chimneys and ignite a chimney fire. A heavily used fireplace or stove may require periodic cleaning throughout the heating season. <a href="http://www.nfpa.org/~/media/files/research/fact-sheets/home_heating_fact_sheet.pdf?la=en" target="_blank"><u>NFPA statistics</u></a> show that failure to clean creosote from chimneys was the leading factor in 28 percent of the home heating equipment fires between 2007 and 2011.<br />
The U.S. Fire Administration offers a <a href="http://www.monkeysee.com/play/16539-fireplace-safety" target="_blank"><u>series of videos showing how to safely build and tend a fire</u></a>. Additional tips for safe fireplace and wood stove use:<br />
-Equip your fireplace with a sturdy glass or metal screen to stop sparks from flying into the room.<br />
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-Inspect your fireplace’s flue prior to use for any obstructions or blockage by using a flashlight and looking up the flue. This also assures that the flue’s damper control is open prior to lighting the fire.<br />
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-Keep anything that can burn at least three feet away from the fireplace or wood stove. NFPA statistics show 53 percent of fires resulting in home heating fire deaths were caused by having heating equipment too close to things that can burn, such as upholstered furniture, clothing, mattresses or bedding.<br />
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-Only adults should build and tend a fire; enforce a three-foot “kid-free zone” around fireplaces and wood stoves.<br />
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-Always use the right kind of fuel, specified by the manufacturer, for inserts. For fireplaces and wood stoves, use only seasoned wood. Green wood increases creosote buildup.<br />
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-Do not burn cardboard, wrapping paper or other rubbish in the fireplace or wood stove.<br />
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-Never use lighter fluid or any flammable or combustible liquids to start the fire.<br />
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-Make sure a fully charged fire extinguisher is nearby and accessible.<br />
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-Install <a href="http://blog.cinfin.com/2013/10/08/smoke-alarms/" target="_blank">smoke alarms</a> and <a href="http://blog.cinfin.com/2013/10/22/carbon-monoxide-dangers/" target="_blank">carbon monoxide detectors</a> as recommended, change the batteries twice a year, and test them according to manufacturer’s recommendations, usually monthly.<br />
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-Put out fireplace fires before going to sleep or leaving your home.<br />
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-Allow ashes to cool prior to cleaning out a fireplace or wood stove. Ashes that seem cool may contain concealed hot embers for several days after your last fire. Place the ashes in a covered metal container and keep the container outdoors a safe distance away from your home or any buildings.Have fireplace inserts or wood stoves installed by a qualified professional who can meet the established <a href="http://www.nfpa.org/codes-and-standards/document-information-pages?mode=code&code=211" target="_blank"><u>NFPA 211 standard</u></a>. Never attempt to install them yourself. According to the NFPA, 10 percent of fires involving heating appliances actually involve the ignition of structural members where flues or chimneys pass through a building’s wall.Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-41379770263815098382015-10-25T22:16:00.000-04:002015-10-25T22:16:18.541-04:00Business Tips: Controlling Risk For Property Owners-Cincinnati Ins. Co (<a class="url fn" href="http://blog.cinfin.com/author/koleck/" rel="author" title="Posts by Kevin Oleckniche">Kevin Oleckniche</a>)<br />
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Losses that occur on property you own can affect your livelihood and that of your tenants. They also can affect your insurance rates and eligibility. Without the proper controls in place, you could be saddled with the responsibility of owing for injury or damages that you did not cause.<span id="more-2361"></span><br />
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<strong>RECOGNIZE THE RISKS<div class="separator" style="clear: both; text-align: center;">
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When you understand the risks you face as a property owner and lessor, you can better manage them. Consider these scenarios:<br />
<strong>Natural perils</strong> – A tornado sweeps through town, damaging your building and your tenants’ contents.<br />
<strong>Fire </strong>– A grease fire starts in a restaurant at one end of your building. Before it is extinguished, fire damages multiple units and tenant contents.<br />
<strong>Third-party injury or illness</strong> – A patron <a href="http://blog.cinfin.com/2015/02/19/slip-and-fall/" target="_blank"><u>slips and falls</u></a> in the parking lot, spraining her ankle.<br />
<strong>Change in occupancy</strong> – A restaurant replaces a retail store in one of your units. As a property owner, you want to determine if the current sprinkler system is able to handle the demands of a restaurant.<br />
<strong>Change in tenant operations</strong> – A retail craft store expands its operations to include pottery making. With this expansion, your tenant adds kilns to heat-treat ceramic projects.<br />
<strong>Vacancy</strong> – Your unoccupied building is vandalized, resulting in damaged property.<br />
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<strong>REVIEW THE RESPONSIBILITIES</strong></h5>
A well-designed lease agreement can assist owners in transferring responsibility for payment due to bodily injury or property damage to the legally responsible party. Consult with legal counsel when evaluating your current lease or other formal contract. When consulting with your attorney, consider whether your agreement:<br />
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-is signed by all tenants<br />
-contains appropriate <a href="https://www.ohioinsurance.org/info/online-resources/glossary-of-insurance-terms/s/" target="_blank"><u>anti-subrogation</u></a> wording and <a href="https://www.ohioinsurance.org/info/online-resources/glossary-of-insurance-terms/i/" target="_blank"><u>indemnification</u></a>–<a href="https://www.ohioinsurance.org/info/online-resources/glossary-of-insurance-terms/h/" target="_blank"><u>hold harmless</u></a> provisions favorable to you and acceptable under your state’s laws<br />
-authorizes you to develop, change and enforce rules and regulations for the premises<br />
-defines which areas you control and which the tenant controls<br />
-defines the maintenance obligations of all parties while specifying the scope of the operations and the steps you will take if the tenant defaults on these obligations<br />
-grants you the right to inspect the leased premises for conformance with the lease provisions concerning maintenance and to point out to the tenant any obvious hazards<br />
-requires the tenant to obtain permission before performing any building alterations<br />
-contains provisions regarding use of hazardous substances, dispensing of liquor and other activities that increase the risk of loss<br />
-requires service contractors who come on your premises to provide certificates of insurance verifying adequate limits of insurance and appropriate state licenses, where applicable<br />
-requires tenants to obtain specified liability insurance on behalf of the owner, with you listed as an additional insured on a primary basis. Make sure you obtain proof that the tenant has acquired and maintains all required insurance.<br />
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Consult with legal counsel to familiarize yourself with state laws before you lease space to bars, restaurants or stores that sell liquor.<br />
While it is your duty to live up to your obligations as a property owner, it is also wise to make your tenants take responsibility for their actions and premises upkeep.<br />
Your local independent insurance agent is there to help you maneuver around the challenges you face as a property owner. Contact your agent whenever a new tenant moves into the building, a current tenant changes its operations or part of the building becomes vacant for 30 days.Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-81637359485248793832015-10-07T16:32:00.001-04:002015-10-07T16:32:57.912-04:00Homeowner Policy: Section 1<span><span>A homeowner policy is made up of two sections, Section 1 Property and Section 2 Liability. This blog post will focus on Section 1 which outlines the four property coverages provided by a homeowner policy. Those four coverages are as follows:</span><div>
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<a href="http://2.bp.blogspot.com/-RIAoRfaNfWA/VhWA7Dam_-I/AAAAAAAAAZI/fhOB6FXBmf0/s1600/120px-Agt_home%255B1%255D.png" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="200" src="http://2.bp.blogspot.com/-RIAoRfaNfWA/VhWA7Dam_-I/AAAAAAAAAZI/fhOB6FXBmf0/s200/120px-Agt_home%255B1%255D.png" width="200" /></a><span>-<strong>Coverage A Dwelling</strong>: This coverage pertains to the actual house itself. The limit shown on the policy in this section is the amount of insurance the policy will pay out if the house was totally damaged. It Is important to understand that this limit of insurance should be based on Reconstruction Costs (the amount it would take to rebuild the house) instead of Market Value (the amount you can buy or sell the house on the real estate market). For more details on this check out our <a href="http://feyinsuranceblog.blogspot.com/2011/04/market-value-vs-replacement-costs.html" target="_blank">Reconstruction Cost vs Market Value article</a>. The dwelling limit of insurance will drive the other three parts of Section 1 Property so for example purposes let's say our Coverage A Dwelling limit is $200,000.</span></div>
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<span>-<strong>Coverage B Other Structures</strong>: Other Structures are property located on your land that are not permanently attached to your home. This would be things like detached garages, fences, sheds, barns and pools to name a few. Back in the 50's this was a much more common concern to have Other Structures coverage because the norm was to have a detached garage. Today many garages are part of the house so this coverage is not as much of a focus on new homes. The homeowner policy, however, automatically includes this coverage in most cases so even if you do not have a need for it, still it is there. The limit for this coverage is usually 10% of the dwelling limit so if our Coverage A is limit is $200,000 then our Other Structures limit is $20,000. </span></div>
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<span>-<strong>Coverage C Personal Property</strong>: This section covers your contents, your personal belongings inside the house, such as TVs, clothes, furniture, pictures, etc get its coverage. The important thing is to be sure that you have replacement cost coverage for you Personal Property and not actual cash value. If you have actual cash value it means they will take into account how old your stuff is and not give you enough money to go out and replace your items without having to go buy used. If you have replacement cost coverage you can go replace your furniture with new furniture from a store and the policy will reimburse you the full amount. Coverage C Personal Property is also derived from the Coverage A Dwelling and usually is 70% or 75% of the amount. This means that if our Dwelling limit is $200,000 then our Personal Property limit would normally be $140,000 or $150,000.</span></div>
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<span>-<strong>Coverage D Loss of Use</strong>: Loss of Use means that if you have a claim on your house that makes it so that you can not live in the house for a period of time, the homeowner policy under this section will help pay for your lodging expenses and some of your eating out expenses (usually 1/3rd of your meal expenses). This loss of use might be for a few days or a few months depending on the extend of your homes damage. The limit of coverage given under this section can very from company to company. Some companies give a time period they will cover it for (example 2 years) or they will just pay what ever the amount of loss is (actual loss sustained). Some companies, similar to how they do it on the Other Structures and Personal Property section, give a percent (usually 10%-20%).</span></div>
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Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-90356006520018923372015-09-16T08:47:00.000-04:002015-09-16T08:47:10.768-04:00Catastrophe Liability Protection <a href="http://1.bp.blogspot.com/-RCmTAY1Udzw/VflkjZBQX9I/AAAAAAAAAYw/3xnkE3gkJEg/s1600/clip_image002.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="320" src="http://1.bp.blogspot.com/-RCmTAY1Udzw/VflkjZBQX9I/AAAAAAAAAYw/3xnkE3gkJEg/s320/clip_image002.jpg" width="213" /></a>How much liability protection do I need to carry to protect me and my family? Unfortunately there is no simple formula which you can use to calculate how much liability insurance you really need. With your home or a commercial property, there are computer programs which will help determine the construction replacement <strong>Please contact us, and we will prepare a quotation for your review on this very important catastrophe liability protection.</strong><br />
cost of the building, but there is no such program in the area of third party liability claims. Some insurance companies claim they make you “legal” for less, but in Ohio, for example, that means bodily injury limits of $25,500 per person/$50,000 per accident and property damage limits of $25,000. Any kind of serious accident will wipe out those limits in a heartbeat. As a bare minimum, we recommend no less than $500,000 in Personal Liability and $250,000/500,000/100,000 in Automobile Liability, but higher limits are available and recommended. This is where the Umbrella Liability Policy comes into play. These policies are written in increments of $1,000,000 with $1,000,000 being the lowest limit you can purchase. Limits of $1,000,000 to $5,000,000 are usually available, and higher limits are also available depending on the circumstances. Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-84082680940837385732015-09-03T11:40:00.000-04:002015-09-03T11:40:59.855-04:00Insurance Things to Consider on Rental Properties <a href="http://4.bp.blogspot.com/-I3rTDZhs0to/VehpfSLidOI/AAAAAAAAAYQ/IXgbbLUM5UQ/s1600/MP900442456%255B1%255D.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="212" src="http://4.bp.blogspot.com/-I3rTDZhs0to/VehpfSLidOI/AAAAAAAAAYQ/IXgbbLUM5UQ/s320/MP900442456%255B1%255D.jpg" width="320" /></a>Over the last few years many homeowners have turned into landlords. With the real estate market drop, those that decided to purchase a new house also decided to not sell their prior home for fear of a financial loss on the property. Instead, they have turned their prior house into a rental. The trend still continues today even after the real estate market has rebounded some because landlords are seeing great cash flows from renting. <br />
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Here at <a href="http://www.feyinsurance.com/" target="_blank"><span style="color: #073763;">Fey Insurance Services</span></a> we insure a number of these properties and on occasion we are asked by clients if we have any insurance tips in renting a property. When asked we always mention these five things:</div>
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<span style="-webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; color: black; display: inline !important; float: none; letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">1. Temperature Requirement in the Lease: It is a good idea to include a clause in your lease that requires the tenant to keep the heat no colder than 59 degrees. This is important because around the Holidays many tenants will travel and if they want to try and save a buck they may turn off the heat. Pipes do not enjoy this especially with a polar vortex threatening again this year. This way, if they do turn the heat off and pipes break you can pass that damage on to the tenant.</span><br />
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2. Renters Insurance for Tenants: Since you may have passed on the risk of pipe freezing damage to your tenant you then want to make sure they have insurance in place to pay for such damages. Requiring tenants to have renters insurance is a good idea. Not only does it protect their contents (which is excluded under your policy), it protects your property if they are negligent in causing damage to your property. I would recommend they have liability limits at least the value of your property.</div>
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3. Dogs: Know your states laws on dog attacks. For example, in Kentucky there was a law recently passed that could drag landlords into dog attack claims. This may make it difficult to get insurance for a property that has a dog. If you are going to allow dogs to live on your premises it is best to limit which kinds as some insurance policies exclude coverage for "vicious dogs".</div>
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4. Loss of Rents Coverage. Make sure your rental property insurance policy includes coverage for loss of rents. If you sign a year's lease with someone and then have a fire a month later, you are going to be out 11 months of rent or at least however many months it takes to rebuild the house. You can recoup this loss with loss of rent coverage. Also, make sure that you have enough loss of rent coverage. Many polices give you 10% of your dwelling limit or give you a flat $25,000. Add up your annual rents and make sure you have enough coverage.</div>
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5. Certificates of Insurance from Contractors: Unless you yourself are handy, you may be employing contractors to do fixes around your rental property. We strongly recommend you ask these contractors for proof that they have insurance. If they were ever to cause damage to your tenants contents or to your tenants person, you would want to make sure they have insurance to cover such things.</div>
</div>
Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-17453098267735104272015-07-02T09:27:00.001-04:002015-07-02T09:27:42.291-04:00Ohio Teen Driver ChangesEffective July 1, 2015 there have been some changes to the laws for drivers under the age of 18 in the state of Ohio that all teens and parents of teens should be aware of. The changes are as follows:<br />
<br />
<a href="http://2.bp.blogspot.com/-Y0bEHVJG7BA/VZU8IYrg8gI/AAAAAAAAAX4/6TqYDKm7t_E/s1600/pic.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="320" src="http://2.bp.blogspot.com/-Y0bEHVJG7BA/VZU8IYrg8gI/AAAAAAAAAX4/6TqYDKm7t_E/s320/pic.jpg" width="320" /></a>-No driving between midnight and 6 a.m., unless a parent or guardian accompanies the youthful driver. Those with valid documentation from work, school or church allowing for travel for activities between these hours are exempt.<br />
-No driving with more than one non-family member in the car<br />
-All passengers must wear safety belts at all times<br />
-Prohibits the use of mobile communication while driving<br />
<br />
For more details about this change check out <a href="https://www.ohioinsurance.org/oii-reminder-stricter-teen-licensing-laws-effective-july-1/" target="_blank">this article from the Ohio Insurance Institute</a>. Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-36642537768145421942015-06-04T14:57:00.002-04:002015-06-04T14:57:41.021-04:00Cincinnati Insurance Company AdCincinnati Insurance Company has a wonderful new ad.<br />
<br />
<iframe allowfullscreen="" frameborder="0" height="281" mozallowfullscreen="" src="https://player.vimeo.com/video/121133841?title=0&byline=0&portrait=0" webkitallowfullscreen="" width="500"></iframe> <br />
<a href="https://vimeo.com/121133841">Everything Insurance Should Be®</a> from <a href="https://vimeo.com/user33572623">The Cincinnati Insurance Company</a> on <a href="https://vimeo.com/">Vimeo</a>.Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-90080213885818977522015-05-08T11:47:00.000-04:002015-05-08T11:47:55.417-04:00Tornado Truths That Can Help You Stay Safe
<br />
<div class="MsoNormal" style="background: white; line-height: 115%; margin: 0in 0in 0pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">Tornadoes
have caused severe and irreparable damage to tens of thousands of Americans and
their property in recent years. On top of the physical and emotional fallout, many
have also lost their lives as a direct result of a tornado.<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="background: white; line-height: 115%; margin: 0in 0in 0pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">Although
you can never control the weather or the outcome of a destructive storm, there
are steps you can take to help you and your family remain protected in the
event of a tornado. Those steps of action begin with knowing fact from myth. <o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="background: white; line-height: 115%; margin: 0in 0in 0pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">Here
are a few tornado truths that could help keep you and those you love safe:<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="background: white; line-height: 115%; margin: 0in 0in 0pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;"><o:p> </o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="background: white; line-height: 115%; margin: 0in 0in 0pt 0.5in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">When
<b style="mso-bidi-font-weight: normal;">indoors</b>, shut all windows and doors.
Do not leave them open in an attempt to follow the mythical need to “pressurize”
your home because the result would more likely be debris flying through the window
and causing severe harm, or wind pressure working to lift the roof off the
house from the inside. </span></div>
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 115%; margin: 0in 0in 0pt 0.5in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;"><o:p> </o:p></span></div>
<br />
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 115%; margin: 0in 0in 0pt 0.5in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">If
you are <b style="mso-bidi-font-weight: normal;">inside your home</b> <b style="mso-bidi-font-weight: normal;">or other structure</b>, retreat to the
lowest level (a basement is ideal) or the room closest to the middle of the
home or farthest from windows and doors. Do not seek a “corner” of the
structure for your retreat; instead, go to the center-most point, away from
windows and anything heavy that could fall on your head.<o:p></o:p></span></div>
<br />
<br />
<div class="MsoListParagraphCxSpLast" style="background: white; line-height: 115%; margin: 0in 0in 0pt 0.5in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">If
you’re <b style="mso-bidi-font-weight: normal;">outdoors</b>, find the lowest
spot, such as a ditch or dry river bed, and lie flat on your stomach, covering
the back of your head with your hands. <span style="mso-spacerun: yes;"> </span>Do not follow the myth of seeking shelter
underneath a bridge or overpass because it could collapse on top of you or
large debris and winds could come rushing underneath and potentially sweep you
up into the tornado itself. <o:p></o:p></span></div>
<br />
<br />
<div class="MsoListParagraph" style="background: white; line-height: 115%; margin: 0in 0in 0pt 0.5in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">If
you are <b style="mso-bidi-font-weight: normal;">in a vehicle</b>, abandon the
vehicle and try to find shelter in a structure or outdoors in a low place where
you should lay stomach-down and cover the back of your head with your hands. Most
importantly, do not attempt to drive away from the storm unless it’s very
obviously far away and moving in the opposite direction.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
<br />
<br />
<div class="MsoListParagraph" style="background: white; line-height: 115%; margin: 0in 0in 0pt 0.5in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">Do
not take shelter near a road or foothill and expect the tornado to miss you. Some
myths say that tornadoes will reverse their directions when nearing a road or
foothill, but a tornado doesn’t discriminate and <i style="mso-bidi-font-style: normal;">will</i> keep on its path.<o:p></o:p></span></div>
<br />
<br />
<div class="MsoListParagraph" style="background: white; line-height: 115%; margin: 0in 0in 0pt 0.5in;">
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">Keep
head gear handy. Head protection can be the number-one most important factor in
remaining protected from flying debris—indoors or outdoors—so know where bike,
football, batting, boxing and other helmets are in the house, and make them
easily accessible. </span></div>
<div class="MsoNormal" style="background: white; line-height: 115%; margin: 0in 0in 0pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;"><o:p> </o:p></span></div>
<br />
<div class="MsoNormal" style="background: white; line-height: 115%; margin: 0in 0in 0pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">At <span style="mso-bidi-font-weight: bold;">Fey Insurance </span>we want to help you know
the tornado truths that will help keep you and your family safe. For more tornado
safety tips, visit the Storm Prediction Center’s comprehensive guide at </span><a href="http://www.spc.noaa.gov/faq/tornado/safety.html"><span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;"><span style="color: black;">http://www.spc.noaa.gov/faq/tornado/safety.html</span></span></a><span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">.<o:p></o:p></span></div>
<br />
Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-29643486148615230012015-03-25T13:59:00.000-04:002015-03-25T13:59:23.297-04:00After-School Safety Tips for Parents and Kids
<br />
<div class="MsoNormal" style="line-height: 115%; margin: 0in 0in 10pt;">
<span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: Calibri; mso-hansi-font-family: Calibri;"><span style="font-family: Calibri;">Parents, weather is starting to warm up in southwest Ohio, so you’ve likely
already reviewed the basic safety tips for kids who walk or bus to and from
school. <o:p></o:p></span></span></div>
<br />
<div class="MsoNormal" style="line-height: 115%; margin: 0in 0in 10pt;">
<span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: Calibri; mso-hansi-font-family: Calibri;"><span style="font-family: Calibri;">Those tips, of course, are:<o:p></o:p></span></span></div>
<br />
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormalCxSpMiddle" style="line-height: 115%; margin: auto auto 10pt; mso-add-space: auto; mso-list: l0 level1 lfo1;"><span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: Calibri; mso-hansi-font-family: Calibri;">Walk
with a buddy<o:p></o:p></span></li>
<li class="MsoNormalCxSpMiddle" style="line-height: 115%; margin: auto auto 10pt; mso-add-space: auto; mso-list: l0 level1 lfo1;"><span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: Calibri; mso-hansi-font-family: Calibri;">Stay
in well-lit areas<o:p></o:p></span></li>
<li class="MsoNormalCxSpMiddle" style="line-height: 115%; margin: auto auto 10pt; mso-add-space: auto; mso-list: l0 level1 lfo1;"><span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: Calibri; mso-hansi-font-family: Calibri;">Never
accept a ride with strangers <o:p></o:p></span></li>
<li class="MsoNormalCxSpMiddle" style="line-height: 115%; margin: auto auto 10pt; mso-add-space: auto; mso-list: l0 level1 lfo1;"><span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: Calibri; mso-hansi-font-family: Calibri;">Once
home, lock the door and don’t let anyone in</span><span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"><o:p></o:p></span></li>
</ul>
<span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"><o:p></o:p></span><br />
<div class="MsoNormal" style="line-height: 115%; margin: 0in 0in 10pt;">
<span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: Calibri; mso-hansi-font-family: Calibri;"><span style="font-family: Calibri;">However, </span></span><a href="http://micheleborba.com/"><span style="color: blue; font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: Calibri; mso-hansi-font-family: Calibri;"><span style="font-family: Calibri;">Dr. Michele Borba</span></span></a><span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: Calibri; mso-hansi-font-family: Calibri;"><span style="font-family: Calibri;">, author of The Big
Book of Parenting Solutions, urges you not to overestimate your kids’ safety
smarts. Kids under 10, for example, may not grasp the concept of crossing a
street safely, she says. <o:p></o:p></span></span></div>
<br />
<div class="MsoNormal" style="line-height: 115%; margin: 0in 0in 10pt;">
<span style="font-family: Calibri;"><span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: Calibri; mso-hansi-font-family: Calibri;">She suggests teaching them: “Stop. Left. Right. Left.” Meaning that
children should, “</span><span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">stop at the curb,
look left, right, then left again before crossing, and keep looking as they
cross.”<o:p></o:p></span></span></div>
<br />
<div class="MsoNormal" style="line-height: 115%; margin: 0in 0in 10pt;">
<span style="font-family: Calibri;"><span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: Calibri; mso-hansi-font-family: Calibri;">Another thing kids need to know, says Borba, is how to ask for help.
Have kids practice saying, “I need help,” out loud and instruct them to </span><span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">“find a uniformed employee, a police officer or a
woman, preferably with a child,” when they need assistance, she says.<o:p></o:p></span></span></div>
<br />
<div class="MsoNormal" style="line-height: 115%; margin: 0in 0in 10pt;">
<span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"><span style="font-family: Calibri;">Once home, kids will likely use the Internet, so
be sure to discuss digital safety too. <o:p></o:p></span></span></div>
<br />
<div class="MsoNormal" style="line-height: 115%; margin: 0in 0in 10pt;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"><span style="font-family: Calibri;">Staying Safe Online<o:p></o:p></span></span></b></div>
<br />
<div class="MsoNormal" style="line-height: 115%; margin: 0in 0in 10pt;">
<span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"><span style="font-family: Calibri;">Intrnet safety advocate </span></span><a href="http://suescheff.com/"><span style="color: blue; font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"><span style="font-family: Calibri;">Sue
Scheff</span></span></a><span style="font-family: Calibri;"><span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;">, </span><span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: Calibri; mso-hansi-font-family: Calibri;">author of Wit's End
and </span></span><a href="http://www.googlebombbook.com/" target="_blank"><span style="color: windowtext; font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: Calibri; mso-hansi-font-family: Calibri; text-decoration: none; text-underline: none;"><span style="font-family: Calibri;">Google Bomb</span></span></a><span style="font-family: Calibri;"><span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: Calibri; mso-hansi-font-family: Calibri;">, says that,</span><span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"> “we need to
put parental controls/security measures on computers and cell phones. Unfortunately,
these aren’t guarantees, so having a <i>cyber-smart</i> child is your best
defense.” <o:p></o:p></span></span></div>
<br />
<div class="MsoNormal" style="line-height: 115%; margin: 0in 0in 10pt;">
<span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"><span style="font-family: Calibri;">Teach kids about the dangers of sharing personal
information, such as their home address and phone number, online. And about
using social media responsibly. <o:p></o:p></span></span></div>
<br />
<div class="MsoNormal" style="line-height: 115%; margin: 0in 0in 10pt;">
<span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"><span style="font-family: Calibri;">While online, it’s best for kids – and adults –
to converse and connect only with people they truly know and trust, to keep
their social accounts private and to still be cautious even then. After all,
photos and information that go online today will still be there years later,
when kids apply for college scholarships and jobs.<o:p></o:p></span></span></div>
<br />
<div class="MsoNormal" style="line-height: 115%; margin: 0in 0in 10pt;">
<span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"><span style="font-family: Calibri;">Above all, stay involved in your kids’ digital
lives. Let them know you’re there for them, always – to talk, not to judge or
punish, says Scheff. “Many kids fear having their Internet removed if they <span style="mso-bidi-font-style: italic;">tell their parents</span> they are being
bullied online,” she says.<o:p></o:p></span></span></div>
<br />
<div class="MsoNormal" style="line-height: 115%; margin: 0in 0in 10pt;">
<span style="font-size: 11pt; line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"><span style="font-family: Calibri;">So keep the lines of communication open to help
keep everyone safe, both in and outside of your home.</span></span></div>
<div class="MsoNormal" style="line-height: 115%; margin: 0in 0in 10pt;">
<span style="line-height: 115%; mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: "Times New Roman"; mso-hansi-font-family: Calibri;"><span style="font-family: Calibri; font-size: x-small;">-Safeco Insurance Article</span></span></div>
Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-73966160847302247062015-03-04T08:25:00.003-05:002015-03-04T08:25:38.175-05:00Prevent Water From Going Where it Shouldn’t
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://1.bp.blogspot.com/-4VF4pBwqlBY/VPcHm-8iZ-I/AAAAAAAAAXE/Rm1qESVZdXE/s1600/water.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-4VF4pBwqlBY/VPcHm-8iZ-I/AAAAAAAAAXE/Rm1qESVZdXE/s1600/water.png" height="279" width="320" /></a></div>
<div class="MsoNormal" style="background: white; line-height: 115%; margin: 0in 0in 0pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">One
of the most disheartening experiences is to find flooding or extreme water damage
to your treasured home in Oxford or Cincinnati, OH.</span></div>
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;"><o:p> </o:p></span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%; mso-bidi-font-weight: bold;">At <a href="http://www.feyinsurance.com/" target="_blank">Fey Insurance</a> we know you want to protect what’s important. </span><span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">That’s
why we’re offering these tips to help you prevent many of the most common
causes of water damage. <o:p></o:p></span><br />
<br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">Just
a little time and some effort can prevent a lot of heartache and hassle.</span><br />
<br />
<div class="MsoListParagraphCxSpFirst" style="background: white; line-height: 115%; margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-family: Wingdings; font-size: 10pt; line-height: 115%; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">Make
sure your water pressure is not set too high. For just $6 or so, you can
purchase a gauge that will help you test your pressure for the appropriate
level, which should be set between 60 and 80 PSI.<o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 115%; margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-family: Wingdings; font-size: 10pt; line-height: 115%; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">Standard
hoses on new appliances are not as durable as they used to be. So check your
appliances. If they’re rubber, either replace them with longer lasting
stainless steel braided hoses or replace them every three years.<o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 115%; margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-family: Wingdings; font-size: 10pt; line-height: 115%; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">Keep
water from leaking into the walls or floor of your bathroom by replacing
cracked tiles and re-grouting when it’s needed.<o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 115%; margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-family: Wingdings; font-size: 10pt; line-height: 115%; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">Examine
the shingles on your roof. Worn, curled or missing shingles allow water in, so
replace them as soon as noticed.<o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 115%; margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-family: Wingdings; font-size: 10pt; line-height: 115%; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">Consider
buying a water alarm, which can help you find leaks, or automatic shut-off
mechanisms, which can help avoid bursts.<o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 115%; margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-family: Wingdings; font-size: 10pt; line-height: 115%; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">A
lot of water damage occurs when you and your family are away from home.<span style="mso-spacerun: yes;"> </span>Make a practice to avoid running the washing
machine or dishwasher while you’re out.<o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 115%; margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-family: Wingdings; font-size: 10pt; line-height: 115%; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">When
you leave for vacations, turn off the water supply to appliances.<o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpLast" style="background: white; line-height: 115%; margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-family: Wingdings; font-size: 10pt; line-height: 115%; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">Ø<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">Keep
up maintenance on all appliance hoses, because slow leaks from worn out hoses
can cause major damage (and they are not covered under Homeowners insurance). <o:p></o:p></span></div>
<br />
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<span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%; mso-bidi-font-weight: bold;">At Fey Insurance </span><span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;">we hope these pointers will ensure your
house stays nice and dry this year!<span style="mso-spacerun: yes;"> </span></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;"><span style="mso-spacerun: yes;"></span></span> </div>
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<span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;"><span style="mso-spacerun: yes;">-Safeco Insurance Article</span></span></div>
Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-2569580708094904042015-01-30T15:46:00.002-05:002015-01-30T15:46:46.397-05:00Why your privately held business needs Directors & Officers Insurance<em>by Tom Kelly, Cincinnati Insurance Company</em><br />
<br />
Every corporation relies on the guidance of its board of directors for success. Although lawsuits against larger, publicly traded companies receive the lion’s share of media attention, privately held corporations are also vulnerable to lawsuits by competitors, government agencies, creditors and employees. You can protect your hard-earned success by purchasing directors and officers insurance (D&O) coverage for your company.<span id="more-2142"></span><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-V42Wy_l8Vw0/VMvtmi4y6NI/AAAAAAAAAW0/ypMjAHckpBw/s1600/mixed-group-in-business-meeting.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="http://3.bp.blogspot.com/-V42Wy_l8Vw0/VMvtmi4y6NI/AAAAAAAAAW0/ypMjAHckpBw/s1600/mixed-group-in-business-meeting.jpg" height="179" width="320" /></a></div>
Having directors and officers insurance coverage in place can help you attract the talent you need for your board. Directors or officers of privately held companies who do not insist that the company purchase D&O insurance are putting themselves, their spouses and their estates at financial risk. D&O insurance minimizes risk to their personal assets.<br />
Not having D&O coverage can have a serious impact on a company’s viability. Even a financially sound business may have insufficient funds to defend officers and directors in the event of a lawsuit. A D&O policy will take care of defense costs and settlement, even if t<br />
he company ends up in bankruptcy.<br />
States impose statutory duties on corporate directors. D&O coverage protects the company and its directors from claims arising from alleged or actual failure to uphold those duties. Directors are under legal obligation to govern their corporation and carry out their responsibilities of office:<br />
<ul>
<li>in good faith</li>
<li>in the best interest of the corporation</li>
<li>with the care that an ordinary prudent person in a like position would exercise under similar circumstances</li>
</ul>
Similar duties are imposed on officers of a corporation who may or may not serve on the board. Both directors and officers share the duty to:<br />
<ul>
<li>grow the company by prudently managing the affairs of the business</li>
<li>exercise due diligence that is standard for operating the business</li>
<li>maintain loyalty to the corporation to avoid conflicts of interest</li>
<li>obey the corporate charter and state corporate statutes</li>
</ul>
Policy limits and other factors can vary. Your legal advisers and local independent insurance agent can help you determine how much coverage you need. Premiums are based on the coverage limit requested and other factors such as type of business, financial strength, claims history and deductibles.<br />
Additional coverages, such as employment practices liability, fiduciary liability and cyber liability insurance, may also be available to eligible companies for an additional premium.Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-41728295069347222522015-01-06T19:50:00.001-05:002015-01-06T19:50:31.783-05:00To Shovel or Not to Shovel? Here's the Law in Ohio
<a href="http://3.bp.blogspot.com/-WfMoaHXoBjQ/VKyCp6fjJ5I/AAAAAAAAAWk/KbWu7cBvxVg/s1600/pic.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="http://3.bp.blogspot.com/-WfMoaHXoBjQ/VKyCp6fjJ5I/AAAAAAAAAWk/KbWu7cBvxVg/s1600/pic.jpg" height="163" width="200" /></a><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt;">As far
as Ohio law goes, homeowners don’t have a legal obligation to shovel sidewalks
due to a natural accumulation of snow and ice, but this doesn’t mean you
shouldn’t at least try to maintain them.<br />
In December 1993 the Ohio Supreme Court upheld this law when a guest attempted
to sue a homeowner in Franklin County for a slip and fall outside of the
homeowner’s house.<br />
In the case <i><a href="http://bit.ly/1xB6NSw" target="_blank"><span style="color: #247679; text-decoration: none; text-underline: none;">Brinkman v. Ross</span></a></i>,
the court ruled that you are walking at your own risk when Mother Nature calls.
The case stemmed from a visit by the Brinkman’s to the home of the Ross’ in
February 1989. Ms. Brinkman slipped outside the Ross home breaking her ankle.
She sued her hosts in Franklin County Court of Common Pleas. The court threw
out the complaint, indicating that it had long been established that Ohio
homeowners are not obligated to remove natural accumulations of snow and ice.<br />
The decision was reversed in the court of appeals, saying that if a homeowner
knows of a hazardous condition and invites guests to visit, there is an
obligation to at least warn them. The case then went to the Ohio Supreme Court
where the judgment was overturned.<br />
It’s up to your guests and other pedestrians to assume that due to the nature
of Ohio winters, there’s always a risk of a slip or fall due to the natural
accumulation of ice and snow.<o:p></o:p></span><br />
<br />
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<b><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt;">Local
snow removal ordinances</span></b><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt;"><br />
Local municipalities may invoke snow removal ordinances. If your city or
township has an ordinance that requires residents to keep walkways free of snow
and ice, then you have a responsibility to maintain your sidewalks. Some Ohio
cities with snow removal ordinances levy fines for not removing snow in a
timely manner while others issue warnings.<br />
However, a local ordinance does not automatically implicate a homeowner if
someone slips and falls on their uncleared property.<o:p></o:p></span></div>
<b><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">Examples of local
snow removal ordinances/requirements<br />
</span></b><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">Below
are links to information and/or snow removal ordinances for several Ohio cities
and communities. The Ohio Insurance Institute suggests checking with your local
municipality on any snow removal policies or requirements. Many provide this
information online. Use the key word search “snow removal ordinance” along with
your city or local municipality’s name.</span><br />
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"></span><br />
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">•
<a href="http://city-egov.cincinnati-oh.gov/Webtop/ws/council/public/child/Blob/33199.pdf;jsessionid=D4E7C6EB23D6FBAC96E7E10614FEE4DE?m=32074" target="_blank"><span style="color: #247679; text-decoration: none; text-underline: none;">Cincinnati</span></a><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"></span></span></span><br />
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">•
<a href="http://www.fairfield-city.org/publicworks/sidewalksnow.cfm" target="_blank"><span style="color: #247679; text-decoration: none; text-underline: none;">Fairfield</span></a><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"></span></span></span></span><br />
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">•
<a href="http://www.cityofcenterville.org/content/view/711/1236/" target="_blank"><span style="color: #247679; text-decoration: none; text-underline: none;">Centerville</span></a></span></span></span></span><br />
<span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 9pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">•
<a href="http://columbus.gov/Templates/Detail.aspx?id=73592" target="_blank"><span style="color: #247679; text-decoration: none; text-underline: none;">Columbus</span></a></span></span></span></span></span>Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.comtag:blogger.com,1999:blog-5741585262034224911.post-8101182470344354012014-12-24T09:13:00.000-05:002014-12-24T09:13:00.905-05:00Safe Travels this Holiday
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://4.bp.blogspot.com/-SJyni67EWyk/VJrJtoZd_uI/AAAAAAAAAWU/mxBKLXlpUP4/s1600/pic.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://4.bp.blogspot.com/-SJyni67EWyk/VJrJtoZd_uI/AAAAAAAAAWU/mxBKLXlpUP4/s1600/pic.jpg" height="211" width="320" /></a></div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="color: black; font-family: "Verdana","sans-serif"; font-size: 12pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">The Holidays are in full swing and with Christmas just a
day away; many have already started their Holiday travels. Being the insurance
people that we are, here are a few tips for a safe and secure season of travel.
<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="color: black; font-family: "Verdana","sans-serif"; font-size: 12pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">1) Make your home seem like someone is still there. You can do
this several ways. Leave your front and back porch lights on so that at night
your house is lit up. Ask a neighbor to collect your mail while you are gone so
it doesn’t stack up. You can also ask the post office to hold if for you until
you get back. Another way to make it look like you are home is to ask a
neighbor to pull in and out of your driveway at some point if it snows giving
the appearance that you have been in and out of your house.<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="color: black; font-family: "Verdana","sans-serif"; font-size: 12pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">2) Don’t show off to the Facebook world that you are on vacation.
I know this can be tough for some but letting everyone know you are out of town
on Facebook can be dangerous. We recommend waiting until you get home from your
trip before you post vacation pictures.<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 10pt;">
<span style="color: black; font-family: "Verdana","sans-serif"; font-size: 12pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">3) Car travelers should be
prepared for heavy snow at all times. The best way to do this is to make sure
you have extra blankest, windshield washer fluid, ice scrapers and even a small
shovel. You never know when you might need any of those things. Also, be sure
to have your phone charged during the trip so that you have it in case of an
emergency.</span></div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 10pt;">
<span style="color: black; font-family: "Verdana","sans-serif"; font-size: 12pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">
4) Don’t skimp on heat in your home: we recommend
to keep the heat in your house at a reasonable level so your pipes don’t
freeze. <br />
<br />
Those are just a few simple tips. We here at <a href="http://www.feyinsurance.com/" target="_blank"><span style="color: #073763;">Fey Insurance</span></a>
hope you have a wonderful Holiday and Merry Christmas<o:p></o:p></span></div>
Fey Insurance Serviceshttp://www.blogger.com/profile/06818252214470664843noreply@blogger.com