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4 years ago · by · 0 comments

Tips to clean out your gutter

Now that you know what damage not cleaning your gutter can do to your home, we wanted to share some tips with you on cleaning that gutter out.

  1. Gutter 2Keep that ladder out and clean out all the debris that has been left in the gutter.  One way to do that is to use a pressure washer.  Keep that debris though, it could be used for mulch.
  2. Check all your spikes and make sure that the spikes are properly placed throughout the gutter.  You may need to consider getting some new ones, if warranted.
  3. Use bead silicon sealing to close up any leaks your gutter may have.  This sealant will be proven effective against rain, snow, and ice.
  4.  Inspect all the rivets that need to go into your gutter also.  It may be time to replace them.  Any local hardware store will have the rivets and a rivet gun for you to purchase.
  5. Before using the pressure washer, make sure your gutter is securely fastened with all the new rivets and spikes.
  6. If your gutters are rusted out, you may want to consider replacing them with aluminum or vinyl gutters.

Now that your gutters are all taken care of, let’s move onto the next in our home improvement series, chimney repair.

Scurich Insurance Services can help you with all of your homeowners’ insurance needs.  Give them a call today.

Content provided by Transformer Marketing.

Source: http://www.diynetwork.com/remodeling/tips-for-cleaning-and-repairing-gutters/index.html

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4 years ago · by · 0 comments

Gutter problems

In an earlier article, we discussed tips to get your home ready for the fall season.  These tips are important, so there could be no potential denial of coverage should you need to file a claim.

In this article, we want you to know what happens when you don’t clean out your gutter and the potential damage it could cause.

  • GutterLeaking gutters.  On the extreme side leaky gutters can also cause leaky roofs, mold, and it can rot away at the surroundings.
  • Leaky roofs.  If your gutter is filled with debris, any rain, snow, or ice, won’t be able to go anywhere, causing a leaky (and expensive repair) roof.
  • Basement leaks.  Gutters usually end up at the foundation of the house.  If there is any damage to the run off, then the water can wind up in your basement.
  • Rotted Wood.  Some houses and/or foundations are made of wood.  If the gutter is not properly taken care of, the build-up will cause wood to rot.
  • Cracks in foundation.  Same principle as above.  Any debris left can create cracks in the foundation.

This fall, don’t let your gutter get the best of you.  Stay tuned for Scurich’s tips to clean out your gutter.

Content provided by Transformer Marketing.

 

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4 years ago · by · 0 comments

Fall Home Improvement Time

HomeThe leaves are changing colors and Starbuck’s famous Pumpkin Spice Latte has made its official appearance for the fall season.  Everyone is getting ready for fall, so should you.

A major stipulation of your homeowner’s insurance policy is maintenance of your home.  It is not uncommon for carriers to deny payment of a claim for any damage to your home, if it has been found that your home has not received the proper maintenance.  Here at Scurich Insurance Services, we don’t want to see that happen, so here is your fall checklist of home improvements.

  • Grab a ladder and clean out the gutters.  Yes, those fall leaves are pretty but if your gutters are clogged with them, any rain or snow could create a bigger problem in the future.
  • Get your caulk gun out and start sealing up all the cracks you see around the windows and doors.
  • Winterize your pipes.  This is the perfect time to do it, before it gets too cold.
  • Repair your drive before the winter comes.  This is actually a better spring project, but if you didn’t get around to doing it before now, do it now.
  • Call the chimney guy.  Fall means the start of colder weather.  You need to make sure your chimney is clean before lighting your first fire.
  • Replace or clean your furnace filters.

For more information about your homeowner’s policy, contact Scurich Insurance Services today.

Content provided by Transformer Marketing.

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4 years ago · by · 0 comments

WORKERS COMP: MYTHS AND REALITY

If you believe you don’t need Workers Compensation insurance, here’s a reality check:myth

Myth. I only have a few employees, or mostly part-time employees.

Reality: Workers Comp makes sense no matter how many employees you have. It helps cover medical expenses and lost wages for employees with job-related injuries and protects against lawsuits from injured workers if you’re found negligent. What’s more, some customers and clients may require you to carry it.

Myth: My employees won’t sue me.

Reality: Never say never. Injured workers might well sue to pay medical bills that could run into millions – not to mention pain and suffering or punitive damages. Workers Comp provides legal defenses that can slash your liability.

Myth: Workers Comp is too expensive. If one of my employees is injured, I’ll just pay out-of-pocket.

Reality: Weigh the cost of coverage against potential losses from an injury, especially if the employee sues. The longer a worker is off the job, the more it costs to cover lost wages and productivity. Severe injuries can take weeks or months to heal– or even lead to permanent impairment.

Myth: I provide a safe workplace. My employees won’t get injured.

Reality: Mistakes happen even in the “safest” workplace. Many companies post signs proclaiming the number of days without an injury on the job, but rarely do they read “365 days” Even the most minor mishaps can cause major damages.

Myth: Medical costs in the Workers Comp system are too high.

According to the National Council of Compensation Insurance, the medical cost inflation rate for Comp has been similar to that for Group Health insurance during the past several years. Legislation and regulations have led to the expansion of cost-containment programs.

To make sure you have this essential protection, at an affordable cost, just give us a call.

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4 years ago · by · 0 comments

Cellphones and Cars – Necessity or Distraction

Cell PhoneThe modern world prides itself on advances in technology and progress. Two impactful transformations are the automobile and mobile phones – the cellular phone appeared decades after the first vehicle. Today, those two inventions cross paths as the demand for constant communication leads to cellphones being utilized in the car for speaking, texting, social updates, email and more. The question worth exploring is are these uses a necessity or a driving distraction?

Fully grasping this question, it’s worth agreeing that driving requires attention for optimum safety. That being said, even without technological devices accidents still occurred. The fact that attention is diverted is not a valid reason for labeling phones a distraction. On the flip side, many raise that mobile communication while driving is a business necessity and the benefits outweigh those accidents caused by phones. This also cannot be entirely relied upon, because there are many who use phones on the road without any real importance. A different perspective can shed light on this topic.

Clearly, each point on both sides can be countered. That being said, the stronger more emotional pitch is that phones are distractive and the driver’s shift of attention is the direct cause of accidents, outweighing any business necessity. Looking at this issue differently reveals a similar result for a different reason. It’s that mobile phones are a necessity and driving can be distractive to important communications that demand full attention. Drivers should take into account the obvious, that phones distract attention from driving, but the business addict arguing necessity should recognize that one cannot fully focus on the conference call, email, or text when the brain is balancing the coordination and attention to the road. The balance can be having the access to phones while adhering to local laws and bowing to the fact that necessary communications and driving are both derailed by the combination of mobile phones and cars – just not a winning pair.

Content provided by Transformer Marketing.

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4 years ago · by · 0 comments

Is a homeowners policy enough for the collector?

CollectionOwning a home is a lot of responsibility and with that comes great reward too. Many love the sense of security home ownership offers as well as the financial benefits of maintaining an asset over the long term. However, there are many headaches and challenges that potentially can arise with owning a property – there’s no landlord to call. Many homeowners carry an insurance policy to protect their assets if an unfortunate event occurs – water damage, broken pipe, structural damage, fire, or other unforeseen circumstances. This has become common knowledge, but are personal belongings and valuable collections also covered?

At the basics, a homeowners policy is in place to reimburse owners for damages caused to the property and belongings in that property. For example, if a home has a small electrical fire, in which the smoke caused terrible damage to the walls and furniture. The likelihood is that repainting and cleaning expenses are covered under the policy, in addition to structural repairs. A home guards valued possessions and even prized collections. What protects those collections if water damage destroys an art collection, gun collection, or other valuables? Is a homeowners policy enough to protection? The answer is, no. When a collection grows past a basic threshold, typically $1,000, the items must be listed in a separately purchased rider for the collection.

The situation of improper insurance coverage typically occurs because homeowners set it and forget it. This means that the policy is purchased at the time the home is purchased and year after year the same policy is renewed. Having a policy is better than no policy, the problem is that the home evolves, assets grow and the original policy becomes outdated. This is why it is vital to have an insurance agent periodically review your policy. Having a professional evaluate a homeowners current state of affairs is the best way to prevent unfortunates scenarios of improper coverage.

Content provided by Transformer Marketing.

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Scurich Insurance Services
Phone: (831) 661-5697
Fax: (831) 661-5741

Physical:
783 Rio Del Mar Blvd., Suite7,
Aptos, Ca 95003-4700

Mailing:
PO Box 1170
Watsonville, CA 95077-1170

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(831) 661-5697

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