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3 weeks ago · by · 0 comments

Protect Your Home from Snowmelt

As winter ends and temperatures begin to rise, the accumulating water from melting snow and ice leaves your home susceptible to damage. Protect your home ahead of time to minimize your risk.

Use these four tips to help reduce your home’s risk of snowmelt damage:

  1. Clear snow from your home’s foundation. Shovel snow away from your home, including stairwells, window wells, downspouts and doors to help prevent water from seeping in through cracks.
  2. Maintain your roof and gutters. Any heavy snow that has accumulated on your roof should be cleared away to avoid water damage. Keep your gutters clear of debris to avoid ice dams—melted snow that refreezes at night, causing gutter clogs.
  3. Ensure proper drainage. Make sure your downspout drains away from your home, and keep any street storm sewer drains clear of snow to prevent buildup and freezing.
  4. Check your sump pump. Test to see that your sump pump is in good working order in case your home experiences flooding. If you notice any small leaks, take care of them before they become a bigger hazard.

Take extra precautions to keep your family safe from potential fireplace damage. If you burn fires often, consider installing new smoke and carbon monoxide detectors in your home.

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4 weeks ago · by · 0 comments

Fireplace Safety Tips

The U.S. Fire Administration states that 75 percent of confined home heating fires occur in the chimney and flue of your fireplace. Performing simple safety measures and maintenance on your fireplace will ensure your family and home stay safe.

Here are some fireplace safety tips to consider:

  1. Keep it clear. Clear out any debris from the fireplace and keep all flammable items like furniture, blankets and papers a safe distance away at all times.
  2. Inspect the chimney. Have a certified chimney specialist inspect and clean your chimney annually to reduce the risk of fire and carbon monoxide buildup.
  3. Start the fire safely. Never burn charcoal or use lighter fluids to light the fire in your home, as they can cause deadly fumes and the potential for explosion.
  4. Don’t overload the fire. Overloading—putting in more wood, paper and other ignitable materials than necessary—can overheat the walls or roof of your home.
  5. Keep children away from the fireplace. Give warning about the dangers of fire to deter curiosity, and consider installing a gate around the fireplace to prevent kids from getting too close.
  6. Put it out. Before leaving your home for the night or going to sleep, ensure the fire is completely out first.

Take extra precautions to keep your family safe from potential fireplace damage. If you burn fires often, consider installing new smoke and carbon monoxide detectors in your home.

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4 months ago · by · 0 comments

TURKEY FRYER SAFETY TIPS

As with any cooking tool, it’s important to take caution when using a turkey fryer as it can be extremely dangerous. Here are some tips to consider when frying a turkey:

  1. Stay in the area where you are cooking. Leaving the turkey unattended may cause the fryer to overheat, resulting in a fire.
  2. Use your turkey fryer on a level surface. Anything that might cause the fryer to tip over may result in a hot oil spill.
  3. Thaw your turkey before cooking. Water from a still-frozen turkey can cause the oil to bubble or splash over the pot.
  4. Keep small children and animals away from the fryer while it is in use. There is a great risk that a child or pet could run into the fryer, knocking it down and causing serious injury. A safe distance of three to 10 feet away is recommended.
  5. Have safety equipment ready. Use oven mitts, goggles and an apron while cooking. Have a fire extinguisher nearby in case of emergency, and keep flammable items away from the fryer.

Your Safety Matters!

For your safety, only use a turkey fryer outside and away from your home. Never use a turkey fryer in a garage or on a porch. Also, be sure to keep some distance between yourself and the fryer as you monitor it—you wouldn’t want to accidentally get splashed with hot oil.

Did You Know?

The U.S. Fire Administration states that Thanksgiving is the peak day for home cooking fires. While preparing your Thanksgiving turkey can be a timeless tradition, it’s important to keep cooking safety measures in mind to protect yourself, your guests and your home.

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5 months ago · by · 0 comments

Update Your Business Insurance Before A Natural Disaster Strikes

Colorado State University’s Department of Atmospheric Science forecasts five hurricanes and 12 named storms for the 2018 Atlantic hurricane season. Natural disasters like hurricanes can wreak havoc on your company. Update your business insurance as you prepare for natural disasters.

Prepare for Wind and Hail Storms

Heavy storms that feature high winds or hail can damage your property or disrupt operations. Verify that your business insurance includes adequate commercial property and business interruption coverage.

You may also wish to check if your policy includes a separate property deductible that applies solely to wind or hail claims. Some insurance companies add a flat rate or percentage deductible to these policies, especially in areas that are susceptible to wind and hail storms.

Cover Flooding

Rising water can damage your buildings and property and affect business operations. While your mortgage lender or building manager may require you to purchase commercial flood insurance if your business operates in a flood zone, flood insurance is also important if you operate in a location that doesn’t traditionally flood. That’s because you still could experience high water due to heavy rains, storm surges, melting snow, or broken levees.

Talk to your insurance agent about purchasing flood insurance coverage through the National Flood Insurance Program (NFIP). Because this valuable coverage includes a 30-day waiting period, be sure to purchase flood insurance before you need it.

Purchase Adequate Coverage

If you purchased your business insurance longer than a year ago, schedule a checkup. Your company’s needs may change over time, and you want to update your business insurance coverage, too. For example, if you added expensive equipment to your operation or moved to a different location, verify that your current policy covers these changes.

Check the property value coverage on your policy also. When you purchased your business insurance policy, you may have chosen the cheaper actual cash value option that pays to replace covered property minus depreciation and wear and tear. However, replacement cost pays current market value rates and offers better protection, so consider this more expensive option now.  

Finally, review your policy limits. Ensure you have enough coverage for your property, building contents, inventory, and business interruption needs.  

Review your Policy Carefully

Insurance policies often include dry, boring language, but take time to review every word. You must know exactly what natural disasters your commercial policy covers. Also, be sure you understand details about the deductible and how to file a claim. Your insurance agent can answer any questions you have and help you purchase enough coverage for your specific needs.

Your business insurance gives your company valuable protection. Update your coverage today as you prepare for future natural disasters.

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6 months ago · by · 0 comments

To Bundle, or Not to Bundle

If you’ve ever shopped around for insurance, you’ve likely been asked if you want to bundle your policies—in other words, combine your home or renters, auto and life insurance policies with the same carrier. Although you have the option to shop around individually for each policy, it almost always makes sense to have the same carrier cover as many of your policies as possible.

Benefits of Bundling

  • The discount—Most policyholders bundle their policies because of the promise of a discount. The amount varies by provider but can generally range between 5-25 percent.
  • The option of a single deductible—With bundled policies, your deductible may be cheaper in the event of a claim that affects multiple policies. For example, if your home and auto policies are with two separate carriers, and a hailstorm damages your home and your car, you’re responsible for paying both your home and auto deductibles before receiving payment. But if you bundle your policies, your provider may offer you the option to pay only the higher of the two deductibles.
  • Less chance of being dropped—If you’ve made claims or gotten tickets, having your policies bundled with one provider can decrease the chance of them dropping you.
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When it Doesn’t Pay to Bundle

It isn’t always better to bundle your policies with one insurance carrier. Here’s when it may be better to split them up:

  • If you have tickets or past claims that make your auto insurance expensive—In this case, it may be cheaper overall to buy each policy from separate providers.
  • When premiums increase—Bundling discourages people from price shopping, which makes it easier for providers to increase their rates. Most assume that you won’t go through the effort of shopping around when your policies renew.
  • If policies aren’t technically bundled—Some carriers may insure you with an affiliated company. Although you may get a discount with that company, you’ll lose the convenience of paying your premium with one familiar provider.

A Few Tips to Consider

Although discounts are the main reason people bundle their insurance policies, never assume that bundling is the cheapest option. Your needs and circumstances will dictate whether you should combine your policies with one carrier. Consider the following tips:

  • Shop for new coverage when your policies renew, and ask for the price of the individual premiums as well as the price of the bundled premium so you can decide whether it is worth it. Just make sure you compare the same coverage when shopping for quotes from each carrier.
  • Ask if the provider uses a third-party insurance company. Remember that you may save money but lose the convenience of dealing with one provider and a combined bill.
  • Ask an independent insurance agent to get prices from multiple companies so you don’t have to do the legwork. An agent that is loyal to a particular carrier may be able to offer discounts that you can’t get alone.

With multiple factors contributing to the price of your insurance premiums, it is important to shop around in order to get the best rate for your insurance needs. Feel free to contact Scurich Insurance to determine if bundling is right for you and help you take advantage of all available discounts.

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7 months ago · by · 0 comments

Keeping Your Home Safe While You’re Away

There are a number of hazards that could affect your home while you’re away, including lightning, theft and flooding. In order to keep your property safe while you’re on vacation, consider the following:

  • Unplug small appliances and electronic devices.
  • Stop the newspaper and mail. To do this online, visit the U.S. Postal Service’s website.
  • Lock all windows and doors.
  • Arrange to have your lawn mowed or snow shoveled while you’re away.
  • Have a neighbor keep an eye on your home throughout your trip.
  • Remove any house keys you keep outside your home, even if you think they’re in a safe place.
  • Set timers on inside lights. Install a motion-activated sensor on outdoor floodlights.
  • Consider turning off your home’s water.
  • Avoid posting photos of your trip on social media until after you return home.
  • Raise the temperature on your thermostat or turn the system off completely. This ensures that you aren’t paying to cool your home while you’re away.

Insurance Considerations

Taking the proper precautions before you go on vacation can make all the difference when it comes to preventing damage to your home. However, accidents can still occur, and it’s important to ensure you have adequate insurance coverage. Contact Scurich Insurance to learn more.

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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

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PO Box 1170
Watsonville, CA 95077-1170

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(831) 661-5697

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