Posts Tagged ‘personal information’

Seasonal Tasks and Preps

Posted on: No Comments

CWF.Lakeview cem 1 10.15Each season comes with joys, events and a list of things to do while it’s here.  Fall is no different with its beautiful colors, fairs, harvest bounty, Thanksgiving, as well as changing temperatures, hurricanes, tornados, early freezes and the ever possible nor’easter with howling winds and driven snow. The gardens must be closed, outdoor equipment put away and the house gotten ready because we know winter is not far behind.  For us hardy New Englanders, we take these changes in stride; after all, we have chosen to live here. (Though after last winter, we are asking Santa for a milder winter and are praying to the weather gods for mercy this year!)Roof Ice

While we would love to be able to help ALL of you with your fall and winter tasks and then share a favorite beverage, the best help we can offer is our insurance expertise in the form of information and education about insurance coverages that can help when even the best preparations fail.  That is what this newsletter, the monthly emails, our Facebook posts and mailings are all about.  We can’t call and personally speak to ALL our insureds on every topic, so we use the other avenues available to us to keep you informed.  We promise that we will be here if you call us with questions or need more information or a quote on coverages.

 So here are some seasonal tasks that are good loss control measures and may help you avoid a claim:

  1. Clean gutters well & make sure they’re working.  Nothing grows an ice dam like a clogged gutter!
  2. Chimney and furnace cleaning make for more efficient heating and help avoid puff backs.
  3. Trim trees and bushes near the house.  Wind & snow can make them bang against the building.
  4. Service your car, do winter preps, check tires, fluids and have an emergency kit in the trunk.
  5. Tune up winter equipment – snow blowers, chainsaws, and drain summer equipment properly.
  6. Have your rock salt, snow rake, shovels in place or easily accessible.
  7. Check for good weather seals around your windows and doors.  Reseal any cracks.
  8. Check your policy if you are hosting a party.  Make sure Host Liquor Liability is included so you will be covered should any of your guests get too “merry.”
  9. Cyber Liability is not just a new coverage – it is a necessary coverage with all the media devices that carry our information.  Adopt early; don’t wait till you are hacked.
  10. If you will need a generator should the power go out, NOW is the time to buy one.
  11. Make a reasonable budget for holiday giving and keep track of spending and NO GOING OVER!
  12. Change your passwords on all your devices and digital accounts to help prevent hacking.

Hackers Gonna Hack, Scammers Gonna Scam – Be Smart, Be Safe

Posted on: No Comments

We admit it.  We love social media!  From Facebook, Twitter, Instagram, Pinterest (yes, we confess, even those food pics that make us hungry) e-mails, Skype, Face Time and so many new modes that are being created, we say “bring it on!”

Social Media Pic2Because during our busy days, when we can not be present with the people we love, these modes of communication are what link us to our families, our friends, our business dealings – let’s be honest – OUR LIVES!  So it makes sense that something so important, so vital to our daily lives, would be something that we should guard, protect and keep safe.

But hackers, scammers, phishers, trollers and assorted other nefarious people know that when you are busy, harried, and stressed by the demands of life and the new demands of staying connected on all these social media options, they can slip right in and rob you of it all – with disasterous results that can have long term effects.  We don’t want that for our insureds.

So here is an email we just received from one of our friends and we post it for you as a cautionary tale in hopes that you will never have to go through the same situation.

A person I follow on Facebook sent an email today:

I received a message from Facebook along with their logo, stating that my account would be suspended because I violated their policy and that I needed to verify my account or they would temporarily shut it down.  I filled out the form – with my login information.  Stupid—I know better than that!  But it looked real and I didn’t take time to really think it through because I was in a hurry and just wanted to resolve the problem.

That night I could no longer access my administrator account.  Then, when I went to my Facebook page, I found posts for all sorts of unrelated products THAT I DID NOT POST and posts from friends who also received some of those posts.  So I set about getting rid of them all only to find my password was changed and I could not delete the posts.

The end of the story is still being worked out by our friend and we hope it is only their Facebook account that was hacked and that the info taken was not enough to open other accounts or give the hackers access to additional private information or their online accounts.

We advise you NEVER to respond to an email request for account information through a link within that email or call a number provided in that email.  Instead, go directly to the public address or phone number and contact the inquirer directly on a secured line to see if they actually contacted you.  We want you to be educated, be aware, be careful, and be safe.

For more ways to protect yourself, see the following article on phishing:  www.wikihow.com/Prevent-Phishing 

 

Fitts_logowithtag_JPG_60pct

Fitts Insurance Agency, Inc.

2 Willow Street, Suite 102

Southborough, MA 01745

 

888-697-6542

508-620-6200

(f)508-481-0227

www.FittsInsurance.com

www.facebook.com/fittsinsurance

https://twitter.com/fittsinsurance

 

Why Each Roommate Needs a Renters Insurance Policy

Posted on: No Comments

You and your apartment, dorm or house mate might share living expenses, but you each need your own renters insurance policy. It’s an investment that replaces your possessions if they’re damaged, stolen or lost. Learn why this $15 per month policy is an important part of your living arrangement.

Be an Individual

Whether you and your roommates are strangers, best friends or cousins, purchase separate policies. Most renters insurance companies won’t include two or more unrelated people on a policy, so be an individual and purchase your own policy.

Cover Deliberate Damage

Maybe you and your roommate get along great until you have a big fight and he or she deliberately damages your valuables. If that happens and you and your roommate share a policy, you won’t receive a payout to replace the damaged item.

Protect Your Future Insurability

Let’s say your roommate’s car is vandalized. Your combined policy pays the claim, but since your name is also on the policy, your ability to purchase affordable insurance is negatively affected for the next three to seven years. Separate policies protects your future insurability.

Keep the Payout

Joint insurance policies include payout checks made out to both parties. So when your valuable electronic equipment is stolen, both you and your roommate have to sign the check. Purchase separate coverage to ensure you receive the full amount you’re due.

Cover Liability

When a visitor trips or falls and decides to sue you, renters insurance can cover the liability. Slander and libel may also be covered. Have your own policy to cover your liability.

Know the Limits

Despite purchasing separate policies, your renters insurance might include financial limits. Discuss coverage caps with your insurance agent to ensure your vintage guitar or art collection is covered.

Purchase Adequate Coverage

You don’t know how much your possessions are worth until you create an inventory list. Then, purchase replacement value coverage. Although it costs about 10 percent more than cash value coverage, it allows you to replace the damaged, lost or stolen item at its current cost rather than the purchase price minus depreciation.

The decision to share living space with an apartment means you share expenses too. Make sure each roommate purchases a separate renters insurance policy, though, as you protect your possessions.

Tax Season Riddled With ID Theft Scams

Posted on: No Comments

 

LAdyThe IRS says more than 3,000 taxpayers have been victimized by phone scammers claiming to be IRS agents and demanding payments by either by pre-paid debit cards, or by deposit into online payment accounts.

The IRS says it doesn’t call taxpayers to discuss their accounts, so anyone receiving such a call should hang up quickly.

Another potential danger for taxpayers is identity thieves using personal information to file fraudulent tax returns, and stealing their refunds. A number of states have enacted stricter identity verification methods to try to reduce this threat.

Tax season also brings with it an increase in email phishing scams in which criminals send emails claiming to be from the IRS, in the hopes victims will enter personal information into a false IRS or banking website.

Scammers are also trying to exploit confusion about the Affordable Care Act by demanding people pay ACA-related tax penalties to them.

All these scams highlight the importance of taking active steps to protect your identity, and the need for heightened vigilance during tax season.

Maria Cordeiro is client services manager for Chubb Personal Insurance.  Posted: 17 Mar 2015 08:34 AM PDT

Falls may be tied to irregular heartbeat

Posted on: No Comments

By Kathryn Doyle  (Reuters Health)

Older adults who suffer a fall are twice as likely to have a common type of irregular heartbeat known as atrial fibrillation, according to a new study.

“These results are certainly surprising, as an association between AF and falls has not been shown in the general population before,” said Dr. Sofie Jansen of the Academic Medical Center in Amsterdam, The Netherlands.

Certain arrhythmias are known to cause fainting or blackouts, but this is the first study to show the link with falls, Jansen told Reuters Health by email.

She and her colleagues analyzed data on 4,800 adults over age 50 in Ireland who completed questionnaires, personal interviews and physical health assessments, including electrocardiograms, between 2009 and 2011.

Twenty percent of participants reported falling at least once in the past year. Fainting and blackouts were less common.

Overall, three percent of people had atrial fibrillation (AF): about one percent of those ages 50 to 64, four percent of those up to age 74, and almost eight percent of those ages 75 and older. More than a third did not know they had AF before the study.

Almost 30 percent of those with AF had fallen over the past year compared to about 20 percent of those without AF, the researchers reported in Age and Ageing.

After accounting for other risk factors that might contribute to falls, the authors found that having AF doubled people’s odds of falling.

In addition, 10 percent of people with AF reported fainting or blacking out compared to four percent of those without the arrhythmia.

At least five million U.S. adults in 2010 had been diagnosed with atrial fibrillation, which may rise to about 12 million cases by the year 2030, according to a 2013 study (see Reuters Health article of July 26, 2013 here: reut.rs/1BSOiNn).

The irregular, usually very fast, heartbeat can cause uncomfortable palpitations, limit the ability to exercise or lead to heart failure or stroke, but it may not cause symptoms for some. It can be treated with medications and lifestyle changes to reduce stroke risk, according to the National Institutes of Health.

There are several ways AF could cause a fall, Jansen said.

“AF can impair the ability of the heart to pump blood around the body, including the brain,” she said. “This can lead to a reduction in the amount of oxygen going to the brain, causing either a faint or black-out (syncope), or dizziness resulting in a fall in a person who is already unstable.”

The irregular heartbeat can also be tied to stroke and hypertension, which can lead to degenerative changes in the brain.

“All of these changes in the brain can also affect walking, mobility, and other conditions that affect fall risk, such as depression and dementia,” Jansen said.

But, she emphasized, this study did not show that AF causes falls, only that it is significantly more common among people who fall.

“Falls are very common in older adults,” Jansen said. “People with AF have an even greater risk of falls, and when they suffer from falls they should definitely mention this to their physician, as there are several treatment or prevention options for falls.”

“Because falls usually have several causes or contributing factors, recognition and treatment of all of these factors is vital to reduce fall risk,” she said.

The most common causes of falls are muscle weakness, balance problems, gait problems, medication side effects, neurological issues, dizziness or cognitive impairment, according to Dr. Laurence Z. Rubenstein, who chairs the Donald W. Reynolds Department of Geriatric Medicine at the University of Oklahoma in Oklahoma City.

Cardiac arrhythmias, including AF, do cause some falls but less commonly than the other causes and risk factors mentioned, said Rubenstein, who was not part of the new study.

“Falls are a very important problem in the older population and we’re always looking for ways to reduce them,” he said. “When you do a post-fall evaluation, listening to the heart is an important part of that,” and a doctor would likely discover signs of AF it were present, he said.

SOURCE: bit.ly/1aM2BaD Age and Ageing, online February 21, 2015.