Make your home looked “lived in” even when you’re not there
Have a trusted neighbor pick up your mail and newspapers.
Arrange for someone to mow your lawn or shovel snow.
Ask a neighbor to park a car in your driveway while you’re gone.
Use timed switches on your lights, TV and stereo. Look for timers that turn on and off randomly.
Never advertise your absence by taping a note to your door or announcing it on your answering machine/voice mail.
Turn your telephone ringer down or off. This way a burglar is less likely to hear the ringing of unanswered calls and realize no one is home.
You can add to the security of your lighting system and cut your electric bill by installing a motion detector on outside lights. This will activate your lights when anyone comes within range of the unit’s motion sensor.
Scurich Insurance Services can get you and your home covered with Homeowners Insurance.
Scurich Insurance Services
320 E Lake Ave.
Watsonville, Ca 95076
(813) 772-3541
* image courtesy of www.istockphoto.com
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Contractor’s Equipment Coverage is not necessary for most investors or builder’s but for those who build or start many projects each year, such as commercial builders, this is an extremely important form of insurance.
Whereas builders risk insurance covers buildings and structures in the course of construction, equipment such as compressors, generators, trailers, cranes, bulldozers, graders, forklifts, mobile tools, etc. are not covered and commercial property policies limit the coverage they provide for contractor’s equipment.
Even self-employed carpenters, who take on smaller jobs such as building decks, patios, screened-in porches, and the like, use tools and equipment that need to be insured. Similar to builder’s risk insurance, contractor’s equipment coverage is an important part of almost any construction project.
The cost of this equipment varies, but larger machinery and equipment can be extremely expensive, with some worth hundreds of thousands of dollars or more. Contractor’s Equipment Insurance provides coverage for damage to mobile equipment, including tools and machinery, used in construction as well as in a variety of other activities. The additional perils of flood and earthquake damage are also often covered in contractor’s equipment policies.
Scurich Insurance is here to he for your Insurance needs.
Scurich Insurance Services
320 E Lake Ave.
Watsonville, Ca 95076
(813) 772-3541
* image courtesy of www.istockphoto.com
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Innovative farmers have been producing renewable energy using byproducts such as walnut hulls and methane for years, and their efforts to earn credits from utility companies for some of that energy could soon become easier.
A bill passed by the Legislature would allow farmers to connect on-farm renewable-energy systems together and then connect them to the grid. Previously, only solar, wind and fuel cell generators have had a streamlined path to connect.
-California Farm Bureau Federation
If you would like information on how Scurich Insurance can help your Agriculture Business, click this link for our website, click this link to connect with us on Facebook.
Scurich Insurance Services
320 E Lake Ave.
Watsonville, Ca 95076
(813) 772-3541
* image courtesy of www.istockphoto.com
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I enjoy pleasing my clients and strengthening our rapport by providing the best insurance service I can.
I also want to make sure that anyone needing help with their insurance needs, can find us easily!
So please, visit my fan page on Facebook and select “LIKE” . Together we can get the word out about all the important topics we cover when it comes to being safe, and protect the ones you love. And don’t forget the things you love too. Scurich Insurance is located in Northern CA!
Also, if you have a local business on Facebook that you want me to promote just let me know!
Thanks and have a great day!
-Tony Scurich
Scurich Insurance Services
320 E Lake Ave.
Watsonville, Ca 95076
(813) 772-3541
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1. Who did I have an accident with? Be sure to get complete information from the other party(ies) involved. This means copying down their address, driver’s license #, date of birth, and ask for their phone number. In addition, obtain their insurance information including, the company, policy #, agent if there is one, the policy begin and expiration date and their phone #.
You need to make sure that you have as much info as possible to give your insurance company; this will help get your claim resolved as fast as possible. Scurich is there when life happens, you can find information on the 24/7.
2. Were there any witnesses? Was there anyone who saw the accident happen? You want to make sure that you get information from anyone who saw the accident. This will assist the insurance companies to determine who is liable for the accident.
3. Were the police called? If the police called or showed up, make sure to get the name and badge # of the officer and a report number. It may take your insurance company up to 3 months to get a police report, so be sure you take the information but don’t rely on the insurance company getting the information.
4. What kind of vehicle or vehicles were involved in this accident? You want to make sure that you get the vehicle year, make and model, the license plate #, and VIN number for each vehicle involved. Scurich knows that when an accident happens its hard to think straight. Just stay calm and try and remember everything you need to make a complete claim.
5. Where did this happen? Get the intersection or street that the accident happened on. Also, you want to make sure that you know how many lanes are on each side of the street, if the street or streets are 1 way or 2 way, the type of striping on the pavement within 100 feet each direction of the loss, i.e. is it a solid, double yellow line, a white line, etc. Also, you want to know where each vehicle impacted, what lane you and the other car were driving in just before the accident, the direction of travel for each vehicle, and if there were any signs posted that control traffic flow.
Scurich wants to be there for you every step of your life. Check us out on your favorite social network!
Scurich Insurance Services
320 E Lake Ave.
Watsonville, Ca 95076
(813) 772-3541
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Housing values have plummeted throughout the United States.
The pace of existing-home sales dropped more than 8 percent from January 2008 to January 2009, reported the National Association of Realtors. Home values declined for 76 percent of all U.S. homes during 2008, estimated Zillow.com. And housing prices have fallen in 70 percent of all metro areas over the past several years, according to Moody’s Economy.com. What’s more, the rate of new-home construction is now at its lowest in 50 years, noted the U.S. Census Bureau and Department of Housing and Urban Development.
Scurich Insurance also sees what’s not going down, though, is the cost of rebuilding and repairing houses. Construction costs rose by more than 4 percent between 2007 and 2008, according to a report in Best’s Review magazine citing Reed Construction Data figures.
Rising reconstruction prices are contrary to the economic news of recent months. And it’s contrary to consumers’ expectations that lower home values should mean lower homeowners coverage is needed.
What’s more, homeowners are already cutting back on insurance expenses. Nearly one in four households already have changed their insurance coverage in the past year to reduce costs, according to a recent survey by the Independent Insurance Agents & Brokers of America (the Big “I”) and local Trusted Choice® member agencies.
With these conflicting pressures, what should a homeowner do? The first thing: Recall what homeowners insurance is designed to do.
Insurance should “make whole” the policyholder after loss or damage to the home from an unforeseen event such as a fire, lightning strike or windstorm. In the case of rebuilding a home, “making whole” means rebuilding the same or similar structure.
When a home is damaged or destroyed, there are several issues that factor into its repair or replacement cost:
- Debris must be removed and discarded.
- Lumber, concrete, and other building materials are in demand on the worldwide market, even if demand is slumping in the United States.
- Building materials are purchased for just one home, not on a large-scale basis as is for most housing developments.
- fuel costs, a big part of construction costs, are higher than just a few years ago.
- Natural disasters in the United States have left a shortage of building materials and labor in certain areas.
- Homeowners want to get back into their home as quickly as possible, and speed drives up costs.
If you would like more information on Scurich Insurance and how you can save money on your homeowner’s policy without jeopardizing coverage, we have a great website
Photo credit to Istockphoto.com
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