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Topics: Home Safety

People don’t buy life insurance because they need it; they buy it because they love someone.  They want to make sure their loved ones will be protected financially if something happens to them.

Life insurance is unique in its ability to help guarantee our loved ones will have the life we want them to have if we die prematurely.  CDs can’t do it.  Stocks can’t do it.  Nothing can do it like life insurance!

A life insurance policy creates a guaranteed pile of money to pay for soccer games, educational expenses, groceries, mortgage or rent payments, grief counseling and more.  It can help relieve the emotional and financial stress a family feels when someone dies unexpectedly.

Think of the many tasks you perform every day for your family.  You’re a chauffeur, short-order cook, homework maven, and dryer of tears.  It’s rewarding and tough, whether you are your children’s one and only or your have a partner to help.  but have you considered what would happen if your were no longer there to take care of your family?  While nothing can replace you, having life insurance means that if something does happen to you, your children would be OK financially.

Life insurance gives your family options.  And it’s less expensive than your might think.  Studies consistently show that the average person overestimates the cost of life insurance by more than two times.  Depending on your age and health, it can cost less thank $15.00 per month for $250,000 of coverage.

Love comes in all shapes and sizes.  Life insurance does too.  Let life insurance be that way you show your love.  We are all going to die sometime; we just don’t know when.  That’s why you need life insurance.

Love reveals itself in all kinds of ways.  You just have to look for it.  Watch the video below.

SOURCE:  Posted by Pekin Insurance on February 10, 2017

As the days get shorter, and the leaves start changing, you may be tempted to light a fire in your wood burning fireplace. While it’s enjoyable to sit and relax by a nice, warm fire, if you haven’t had your chimney inspected or cleaned this year, I would recommend holding off.

September 30 – October 6 is National Chimney Safety week. On average, 20,000 chimney fires occur in the U.S. each year. With proper inspections and cleaning, these fires can be prevented.

Neglected chimneys can destroy your home or injure your family. While some chimney fires burn wildly out of control, others can burn discretely without you ever knowing.

Here are some signs of a chimney fire:

• Loud crackling and popping noise;
• Dense smoke;
• A strong hot smell; and
• Loud rumbling sound.

Slow burning chimney fires may not be visible, but still can cause damage to your chimney or home.

Here are visible defects indicating you’ve had a small chimney fire:

• Warped metal;
• Cracked or collapsed flue tiles;
• Damaged roofing material;
• Cracks in exterior masonry;
• Pieces of creosote on your roof; and
• Smoke seeping through mortar joints.

An inspection by a certified and reputable company will be able to explain what’s going on with your chimney.

Understanding what causes chimney fires is the best medicine for keeping your family safe:

1. Creosote buildup. Creosote is a residue that travels up your chimney and builds up on your flue over time. In fact, some creosote builds up every time a wood burning fireplace is lit. If that residue isn’t properly cleaned out, the chance of a fire igniting in your chimney increases.

2. Clay flue liner defects. Over time, liners can crack allowing hot gases to escape. If the hot gases enter into the home, it can cause nearby framing to ignite.

3. Improper maintenance. Cracked cement in and around the fireplace can cause hot gases to escape as well.

4. Improper installation. Proper installation is critical to keeping your family safe. The National Fire Protection Association, fireplace manufacturers, and the venting manufactures have recommended guidelines for safe and proper installation.

5. Other causes. Fires can start for a number of additional reasons such as:

• Too much wood in the fireplace;
• Faulty igniter or connections;
• No grate;
• Damaged damper;
• Bird nest or debris buildup; and
• Low hanging tree branches.

If you enjoy a gas fireplace, here are a few things to check annually:

• Inspect the glass for cracks;
• Inspect the latches to make sure they still securely hold the glass;
• Make sure the logs haven’t shifted;
• Make sure the gas shut-off valve stops the flow of gas and test the igniter; and
• Inspect the burner for clogged holes. If a burner hole is clogged, turn off the gas and clear the obstruction(s) with a pin or small needle.

To learn more, download our free eBook, Chimney and Fireplace Safety Guide.

If you think your chimney is on fire, get out of your home immediately and call 911. Depending on the type of fire, it could spread through your home quickly.

Source:
http://www.csia.org/

SOURCE:  West Bend, Posted by Scott Stueber on Oct 2, 2018 9:22:50 AM

If you’ve watched the news lately, there has been significant coverage on wildfires, severe storms, and most recently, Hurricane Florence. As we transition through the seasons, we encounter different perils that could pose risk to our vehicles.

With all these different scenarios present in our lives, it may be difficult to keep track of how insurance will respond to your auto claims. Therefore, this week’s blog is going to discuss the differences between comprehensive and collision insurance.

Comprehensive insurance coverage provides protection for damages caused to your car, which are not collision related. The small fly in the ointment is collision with animals. That’s covered under comprehensive insurance. In some states, comprehensive coverage is called, “other than collision.” Comprehensive insurance coverage is an optional coverage unless you have a car loan. Your lender will require you to purchase it.

Comprehensive coverage protects against:

•  Theft;
• Vandalism;
• Flood;
• Fire;
• Natural disasters including earthquakes, floods, hurricanes, tornadoes, and volcanic eruption;
• Animals;
• Riot; and
• Glass breakage.

Collision insurance coverage provides protection for damages caused by upset of your covered auto or impact with another vehicle or object. Collision insurance coverage is an optional coverage unless you have a car loan.

Some examples that collision coverage would protect against Include:

•  You run a stop light and hit another car.
• You collide with a tree, mailbox, telephone pole, or mailbox.
• You swerve to avoid a deer and hit a tree.

Depending on the damage sustained by your car, it may be repaired or replaced.

Here are some different claim scenarios and how either of these coverages will respond.

 Claim Scenario #1 – Flood

A summer storm comes through your city dumping a record amount of rainfall. Local rivers overflow and storm sewers can’t handle the water flow. During the storm, you look out your window and see your car floating by. Do you have coverage?

Answer: If you have comprehensive insurance coverage on your car and it’s damaged during a flood, you have coverage. If your car is totaled and needs to be replaced, the reimbursement may be your car’s actual cash value less your deductible. Talk to your agent to learn more.

 Claim Scenario #2 – Fire

You’ve enjoyed a nice, hot summer with your family and friends. Countless hours have been spent sun tanning, swimming, and water-skiing. Unfortunately, your area is in a drought situation. One day an afternoon storm pops up and a lighting strike causes a wildfire that destroys many homes in your city. While your home was spared from destruction, your car, which was parked in the driveway, caught fire and burned resulting in a total loss. Do you have coverage?

Answer: If you’ve purchased comprehensive insurance coverage for your car, you would have coverage if the car is damaged or destroyed by fire. If the car is totaled and needs to be replaced, the reimbursement may be the car’s actual cash value less your deductible. Talk to your agent to learn more.

Claim scenario #3 – Deer hit

It’s a beautiful Sunday afternoon and you’re out cruising in your convertible enjoying the fall colors. Your favorite football team has a bye, so you’re not missing the big game. You know it won’t be long before you’ll have to put your convertible in storage for the winter. You decide to stop at your favorite burger bar for a sandwich and a diet soda. On your way home, a deer jumps out in front of you and you hit it. While the deer survived the crash, your convertible didn’t. Do you have coverage?

Answer: If you have comprehensive insurance coverage, it’ll pay for the damages to your car. If your car is totaled and needs to be replaced, the reimbursement may be your car’s actual cash value less your deductible. Talk to your agent to learn more.

If you swerved to avoid the deer and you hit a tree instead, comprehensive insurance coverage wouldn’t apply to the damages. You would need to have purchased collision insurance for coverage to apply.

Claim scenario #4 – Neighbor’s mailbox

A few months ago, your son or daughter received his or her driver’s license. Now that he has his or she has her license you’re life has calmed down a bit. You no longer need to take them to practice, appointments, or their job. On the other side, there’s always a bit of angst while he or she’s driving. One winter evening, the pizza parlor where he or she works closed early due to poor weather conditions. This is his or her first winter driving experience. He or she were just getting ready to make the turn into your driveway when he or she slides into your neighbor’s mailbox. Do you have coverage?

Answer: Collision insurance coverage will pay for damages to your car and the mailbox too.

Claim scenario #5 – Fallen tree

Mother Nature has whipped up a snowstorm that’s expected to dump three feet of snow in your area. Local schools have been closed and all extra-curricular activities have been cancelled. The only thing to do for the next 24 hours is to sit by the fire with a book and a warm cup of hot chocolate or coffee. After the storm passes, you go outside to begin the process of digging out. While outside you notice that your child’s car has been crushed by a large tree branch. Do you have coverage?

Answer: Comprehensive insurance coverage would pay for damage to your child’s car because of falling ice or tree limbs.

Remember, there are many different claim scenarios that can affect your family. In addition, insurance policies are not created equal! Make sure you understand what’s covered by your policy and what’s excluded. Insurance policies don’t cover everything. Talk to your insurance agent to learn more about your policy and the coverage it provides.

SOURCE:  West Bend, Posted by Scott Stueber on Sep 25, 2018 1:44:42 PM

Swat, splat, bang. These are common sounds at my house. The reason for these sounds is mosquitos are invading us. I don’t recall them ever being this bad! Strong storms accompanied by heavy rain, and warm temperatures in Wisconsin at the end of August have caused the mosquito population to explode!

In recent weeks, if you’ve tried taking your dog for a walk, cutting the grass, or simply grilling out, you know how bad they are!

Recently, the City of Milwaukee Health Department confirmed the first likely case of West Nile virus this year. Symptoms of the virus can begin three to fifteen days after being bitten by an infected mosquito.

West Nile virus common symptoms

• Fever
• Rash
• Headache
• Joint pain

West Nile virus severe symptoms

• Muscle weakness
• Stiff neck
• Disorientation
• Tremors
• Convulsions
• Paralysis
• Coma

Currently, there’s no cure for West Nile virus, only treatment for symptoms. If you think you’re infected with the virus, contact your healthcare provider immediately.

There are still plenty of nice days to enjoy. Here are some reminders on how to protect your family from these annoying insects throughout the fall season.

1. Limit outdoor activity. Mosquitos are most active at dusk and dawn.

2. Use insect repellent. The Centers for Disease Control and Prevention (CDC) recommends using insect repellants that contain one of the active ingredients below.

• DEET
• Picaridin
• IR3535
• Oil of lemon eucalyptus (OLE)
• Para-methane-diol (PMD)
• 2-undecanone

To find a repellent that’s right for you and your family, click here.

Remember to apply every few hours for maximum protection.

In addition, to learn more about DEET safety, visit Consumer Reports article, “How Safe Is Deet?” 

Quite honestly, the mosquitos are so bad right now; I’m going to buy a repellent with DEET for my family. I’m also going to look for a spray to treat my house door as well. Mosquitos are just sticking to it. Every time I open the door, they fly right in. I find there’s nothing worse than a mosquito buzzing around my head at night while I’m trying to sleep.

Please note; the repellents mentioned above are effective for human use only! They shouldn’t be used on pets. If you’re a pet owner, contact your veterinarian or pet store for safe product recommendations.

3. Protect your house indoors and out. Since mosquitos can transmit disease, it’s important to protect your home as well!

• Use knockdown spray. If you see mosquitos flying around in your home, consider using a knockdown spray. It may be easier than chasing them around with a fly swatter. Spray also avoids splattering them on your wall. If you have pets or small children, read the warning label before spraying.
• Plug in the bug zappers. Back in the day, my parents were innovative with the outdoor bug zapper. From what I’ve seen lately at friends’ homes, they’re making a comeback.
• Identify areas that could be a breeding ground. Remove standing water inside and out. On a weekly basis, change the water in your birdbaths, pet’s water dish, and vases. If you have rainwater barrels, make sure they’re sealed tightly.
• Inspect your screens. Make sure your screens are in good condition. Look for tears or holes in screens that protect your doors, windows, exterior vents, and chimneys.
• Keep a beautifully manicured yard. Mowing your grass and trimming tall weeds on a regular basis can prevent mosquitos from finding a place to hang out.
• Consider spraying your yard. If you’re unable to enjoy your deck or patio, look into treatment options. Mosquitos like to relax in dark, humid areas around your home.

4. Protect your newborn. If you’re a new parent or grandparent, congratulations! Please avoid using insect repellent on babies younger than two months old. Better alternatives include, clothing that covers their arms and legs and mosquito netting for their carriers and strollers.

5. Wear long-sleeved shirts and pants. With the nice warm temperatures we’ve had, and cooler temperatures around the corner shorts and flip-flops may be desirable apparel. However, long sleeved-shirts and pants can help protect you from unwanted bites and frustration. It makes standing at the grill a little bit warmer, but it’s worth it.

Since not all mosquitos are the same, here is some additional information from the CDC about protection.

When the fall wasps return, check out my blog “Five tips to deal with crazy fall wasps”.

Do you have any tips you’d like to share? I’d love to hear them. Please share them in the box below.

Sources:

https://www.cdc.gov/westnile/prevention/index.html
https://www.wisn.com/article/first-human-case-of-west-nile-virus-hits-milwaukee/23119526

SOURCE:  West Bend, Posted by Scott Stueber on Sep 18, 2018 9:41:43 AM

Severe weather can pop up in your neighborhood quickly. If severe weather strikes, your first priority should be taking cover and protecting your family. Unfortunately, the damage after severe weather can wreak havoc on your home and neighborhood. Common types of storm damage to your home can be caused by wind, water, or hail.

After the skies clear and you’ve been given the all clear by your local weather service, checking your home for damage should be your next priority. Protecting your home from further damage is critical. Here are some areas you should inspect.

1. Roof. Depending on the storm, roof damage can be significant. High winds can easily tear your shingles off. From the ground, look for missing shingles. If hail came through your area, depending on the size of the hailstones and other conditions, the damage may or may not be significant. Contact your insurance company. They will send out an expert who will be able to identify if you have damage. For more information, check out my blog “Your roof and your insurance rates.”

2. Siding. Depending on your siding, damage may be evident. Brick, stucco, and cement fiber siding are more durable than vinyl siding. No matter what siding type you have, walk around your home and check for damage. Damage can consist of cracks, chips, dents, and holes.

3. Outdoor structures. If you have a detached garage or shed don’t forget about them: especially if you’re storing tools, collector cars, or other types of equipment. Even a small hole or leak can damage what’s inside. If you find a hole, consider covering it with a tarp. If that isn’t possible, consider moving those items to prevent further damage. To learn if your outdoor structure is adequately insured, click here.

4. Electronics. A lightning strike or power surge can damage or destroy your expensive electronics.

5. Fallen trees or limbs. Understanding coverage for fallen trees can be a bit tricky. Do you have coverage for the tree itself, debris removal, or coverage for your neighbor’s fallen tree on your property? Contact your agent to find out.

6. Miscellaneous property. Other items to look at include:

• Air-conditioning unit;
• Fence;
• Patio/deck furniture; and
• Cars parked in your driveway.

7. Basement. Significant rainfall can be difficult on your sump pump and local sewer system. Check the area around your sump and floor drain. To learn how to keep your sump pump in good working order click here. If you don’t have water backup or sump pump overflow coverage on your policy, talk to your independent insurance agent to learn more.

For a list of helpful reminders, checkout the infographic below!

Miscellaneous Safety Tips

• If you have overhead powerlines in your neighborhood, be cautious when inspecting your property. High wind or trees could have knocked them down.
• Keep your kids out of flooded streets and rushing water. Dangerous situations that weren’t there before may now be present.
• Only consume food or water that was not damaged by the storm.
• If your home has been damaged, consider turning off your main utilities, including your natural gas, electricity, and water main.
• Before a severe storm hits, consider documenting your possessions. Whether you rent an apartment or own a home, one of the most important things you can do is to keep an inventory of your personal belongings. Trying to remember what you own after a disaster strikes can be overwhelming.

Insurance policies are not created equal! More than likely, your policy is different from your neighbor’s policy. Depending on the storm and the type of damage you experience, you may or may not have insurance coverage to help get you back on your feet. This can make a devastating situation even worse. If you aren’t familiar with what your policy covers, please contact your independent insurance agent.

Do you have any tips you’d like to share? I’d love to hear them; please share them in the box below.

SOURCE:  West Bend, Posted by Scott Stueber on Sep 4, 2018 11:35:15 AM