Archive for the ‘Claims’ Category

With Record Low Temps – Here’s Some Timely Advice

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Prevent freeze-related damage to your building

A brutal blast of cold weather is going to hit over the next few days. It’s not too late to take simple and critical action to prepare for freezing weather and prevent catastrophic damage to your organization or home.

25% of businesses involved in a major property disaster do not reopen.*

Now is the time to take preventative steps to protect your house or organization from freezing conditions by utilizing PHLY’s POINT system. Visit PHLY.com/POINT or click below to watch a video on preventing pipe freeze and subsequent water damage. You’ll also find other winter weather checklists and tips that you can download to help you survive this record New England winter.

Prevent freeze-related damage to your building
*Source: Insurance Institute for Business and Home Safety

How to Handle a Hit-and-Run Accident

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   by Frankie Rodriguez

 

Imagine you come out of your favorite restaurant or out of the mall after a day of shopping only to find your bumper hanging off your vehicle. You look around to see if there’s another vehicle with damage  because, after all, misery loves company. As luck would have it, this life experience is yours alone to endure.

Your first thought might be to look for someone who may have witnessed the impact, but there is no one around. Then you remember that one of your New Year’s resolutions was to have more faith in society and you think, “surely someone left a note taking full responsibility for the damages!” You check your windshield. No note. Now what?

Hit-and-run accidents are a common occurrence. Generally, at least one hit-and-run accident is reported on a daily basis, so you are not alone. The first thing you should do is some minor scene investigating. If you have a smart phone, get pictures of the damages to your vehicle at the scene. Look around the parking lot for surveillance cameras. Businesses often have them for safety reasons and generally have a video back up. If a surveillance camera recorded your accident, the video could assist the local authorities in identifying the at-fault party. Check with the business and see if you can get a copy of the video, but I advise obtaining the video within 24 hours as many cameras with video back up are set on a loop and will record over themselves within a day.

Next, contact the local police department or private security firm responsible for patrolling the area. This is an important step if you hope to file this incident as an uninsured motorist loss. Most automobile policies require you to report a hit-and-run to local authorities for this coverage to apply.

Finally, contact your local insurance agent and report your loss. They will contact your insurance company and your adjuster can guide you through the next phase of the process.

A hit-and-run is anything but fun, but with quick action on your part, you may be able to avoid paying the price!

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Ice Melt Methods

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Best Outdoor Ice Melting Tips for Sidewalk Safety

Winter ice and snow make your outdoor sidewalks and stairs extremely slippery. If someone visits your home and slips or falls, you will most likely be liable. Use the best ice melting solution to ensure safety around your property all winter.

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Fireplace Tips

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Important Fireplace Maintenance and Safety Tips for Your Home

Your fireplace looks beautiful and adds warmth to your home. It can also be a fire hazard, though. Protect your home and family as you enjoy your fireplace when you follow a maintenance schedule and implement safety tips this winter. More

Keep your home in top condition – and your premiums down

A responsible homeowner addresses maintenance items before they become problems. Keeping a good coat of paint on the house and trim prevents moisture from penetrating wood and causing decay and mold and insect issues.

Consumers have faced rapidly escalating Homeowners insurance premiums as of late. In some cases, they’ve had trouble getting coverage, particularly if they have filed several claims.

To reduce the possibility of future losses, you can take a number of precautions, including: More

Protect yourself from on-line crime

At the rate cyber crime is spreading, it’s now just a matter of time before you are impacted by some form of cyber attack. Identity Theft Protection and assistance services are highly recommended. In the meantime, do what you can to limit your exposure to on-line crime. Here are some helpful tips:

Any time you get online, including while you take online classes, you run the risk of having your identity stolen. Be vigilant and protect yourself with seven tips.

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Back to school shopping: Insurance

The children are back at school. Together with the many lifestyle changes that they (and you) will be making this time of year, remember that it’s also important to give your insurance a tune-up.

A recent industry report recommends considering these items when Johnny or Sally leaves the nest:Moving back to school More

What’s the difference between an on-line insurance provider and an insurance agency?

Just as one might use a CPA to prepare their income taxes or an attorney to help them with their estate planning, many choose to use an insurance agency to write their insurance policies. This choice is mainly made because a person feels they need professional advice during the process. Of course, everyone will have different needs and circumstances surrounding their purchase, and this is why an insurance professional’s advice can be an invaluable asset. If you’re debating buying insurance online versus through insurance agency, then you should ask yourself a couple of questions: More

Deducing deductibles? Elementary, my dear Watson!

To determine the deductible that provides the greatest value for your insurance dollar, we believe Sherlock Holmes might have made a great insurance agent. Although insurance can sometimes seem complicated, choosing the best deductible for your personal situation can prove an elementary decision. More

Protecting Your Jewelry

You’ve spent hours, days or even weeks, making your jewelry choices not tomention paying thousands of dollars on your final purchase sowhy fall shortwhen it comes to finding the right coverage for your jewels? Getting the appropriate protection is easy; you just need to understand what yourHomeowners insurance will cover. More