The most recent figures from the National Center for Health Statistics show that 18.6 million American adults (that’s one in 12) suffers from asthma, If you’re one of them, buying Life insurance can be costly — depending on the severity of your condition and your reaction to treatment.
However, asthmatics with a good track record of controlling their symptoms can have a near normal life expectancy. So, if it’s been more than two or three years since your asthma led to an ER visit and your condition hasn’t caused you to miss work, you shouldn’t have much trouble getting Life coverage at or near a “standard” premium. Before you apply for coverage, it makes sense to:
Have your physician monitor your condition at least twice a year.
Follow the medications the physician prescribes.
List these medications on your insurance application.
Provide a comprehensive medical history for the application.
If you’re a smoker, kick the habit!
We’d be happy to review your situation and recommend the coverage that’s best for you. Contact Scurich Insurance Services today for more information.
Born in Watsonville Tony has been in the insurance business since 1981 and with Scurich Insurance since 1983. Tony is married with 3 children, graduated from Watsonville High in 1977 and Santa Clara University in 1981. Current activities include running at Rio Del Mar Beach & West Cliff Drive, biking, cooking/BBQing, reading biographies and eating breakfast burritos at Pixie Deli. Past and present community activities include board member of St Francis High School, Pajaro Valley Historical Association, YMCA (board member and youth basketball coach), Boy Scouts of America and, Pajaro Valley Chamber of Commerce (board chair in 2004).
While you are planning out a remodeling project on your home this fall, have you considered how the cost of the remodel is going to affect you. It is fairly easy to price and get a list together of who much the materials are going to cost you, but have you considered the cost of any mistakes or problems that you may encounter along the way. While it has been said that when planing out the cost of a remodeling you should include an extra 20-30% extra of the total cost for any unexpected costs that come your way, there are 8 types of costs that can catch you off guard.
Higher Property Taxes: If you are putting a major addition on your house, you will be increasing the assessed value of your home and that means that you will have the chance of having a larger tax bill to pay. An Assessor gets a copy of your building permit application and have the ability to determine if the project will increase your homes value upon completion.
Hidden Horrors: If you find unexpected guests living in your homes walls while you are starting your home remodel project, you will have pest control costs to add into your budget. Making sure that your prepare yourself for any: mold, faulty wiring or plumbing, asbestos or any other problems that may lie under the surface of your home is always the smart idea because you do not know what lies beneath your home till you start to take parts of it down.
Offsite storage: If you do not have a place to store the items of the room that you are remodeling then you will have to find somewhere else to store the contents of the room and that can end up being costly. Depending on how much and how big the items are, it has the possibility of costing you hundreds or dollars a month to store them elsewhere.
Building code quirks: Depending on where you live, the building codes will vary and these will mean that you will have a set things that you will need to have done before the permit will go through. Knowing what these requirements are will save you a lot of money especially if it means that you will need to hire a contractor to do the work for you.
Utility bills: You should expect your utility costs to go up while you are remodeling your home because of the extra electricity, heating and cooling costs that you will have going on through out the project.
Eating out: If you are remodeling your kitchen you will not have the ability to cook meals like usual, and it can end up being costly eating out while the construction is going on.
Pet boarding: Depending on the type of pets or how they are you might have to pay to have them stay elsewhere while the construction is going on for their safety.
Dumpsters and portable toilets: Seeing these items in your contractors estimate should not surprise you because they will help your contractor keep and maintain clean job site during the construction.
One of the true values of Workers Compensation law is the “exclusive remedy” provision to the employer. Basically, in return for providing coverage for injuries arising from the job, this provision protects you from being sued by the employee for the injury, regardless of who has been negligent. Thus, the benefits provided automatically by Workers Compensation become the “exclusive remedy” for the injury.
However, there’s one way to bypass this barrier to employer liability. It’s called “third party over.” Let’s say that an employee is injured when the scaffolding on which he’s standing collapses. Workers Compensation pays the claim, so he can’t sue the employer. However he chooses to sue the scaffolding company, alleging improper equipment and installation. He wins a judgment, which leads the scaffolding company to sue the employer/contractor, claiming improper usage of the scaffolding. In effect, the employer/contractor is being sued for damages arising from injury to its own employee — just what Workers Compensation is designed to prevent.
Is such a suit legal? Yes. Because the scaffolding company isn’t the injured person’s employer, there’s no prohibition against his suing them — and Workers Compensation law clearly can’t prohibit the scaffolding company from claiming against the contractor, either contractually or by alleging negligence.
If you face such a situation, would your Workers Compensation coverage protect you (because the claim originated from an injury to an employee)? Or would you have to turn to your General Liability coverage, as you would when sued by an outside party? The answer: Either policy might cover this situation, depending on the basis of the suit. For truly comprehensive protection, you need to carry several types of insurance. No one policy does it all. A claim that might fall just outside the purview of one policy can be either a disaster, or simply a hand-off to another type of coverage.
Keeping your entire umbrella of insurance protection current and coordinated might seem complicated — but that’s where Scurich Insurance Services, located in California, comes in. When it comes to risk management and insurance, helping you focus on what you do best is what we do best.
Scurich Insurance Services, located in Northern California, has been serving the Monterey Bay Area since 1924. We understand that each state has its own workers’ compensation laws that handle claims from employees who are injured while working and those laws make it difficult to understand what is and is not covered. Fill out the form below to complete our simple Request Form and an agent from Scurich Insurance will respond within 24 hours regarding your workers’ compensation policy.
If you’re looking for better service, lower prices or just need a change, we are easy to find.
Not sure if you’re covered enough? We can help find fatal gaps in your current policy and avoid potential disaster.
Born in Watsonville Tony has been in the insurance business since 1981 and with 
While you are planning out a remodeling project on your home this fall, have you considered how the cost of the remodel is going to affect you. It is fairly easy to price and get a list together of who much the materials are going to cost you, but have you considered the cost of any mistakes or problems that you may encounter along the way. While it has been said that when planing out the cost of a remodeling you should include an extra 20-30% extra of the total cost for any unexpected costs that come your way, there are 8 types of costs that can catch you off guard.