Lockwood Ridge Residents please click on the PDF for your bank to show proof of insurance. If you need further assistance please call 440-527-0304 and ask for Jim
Please click on the PDF to download a copy for your bank. If you need additional information or assistance please call Jim at 440-527-0304.
All over the world, St. Patrick's Day is celebrated with elaborate parades; families tuck into the traditional dinner of corned beef and cabbage (traditional everywhere except Ireland, that is); and, in the pubs, the green beer flows swifter than the River Shannon. It's odd to think that just a short time ago, none of the most popular customs we often take for granted even existed. In fact, today's international festivities are very different from how St. Patrick's Day was once celebrated in old Ireland
After a long winter in Ohio –- Even if this one was pretty mild!
The Groundhog saw his shadow – but who really believes in a rodent’s ability to determine the weather? The optimist in me says Spring is around the corner and I am already thinking of all the work that I need to do to get my house and yard in shape after this long winter. Failure to do these simple things can cause you great headaches and MONEY.
Here is a list compiled by the experts!
Examine Roof Shingles
Examine roof shingles to see if any were lost or damaged during winter. If your home has an older roof covering, you may want to start a budget for replacement. The summer sun can really damage roof shingles. Shingles that are cracked, buckled or loose or are missing granules need to be replaced. Flashing around plumbing vents, skylights and chimneys need to be checked and repaired by a qualified roofer.
Probe the Wood Trim
Use a screwdriver to probe the wood trim around windows, doors, railings and decks. Make repairs now before the spring rains do more damage to the exposed wood and even worse ants or other insects can invade those areas causing even more damage!
Check the Gutters
Check for loose or leaky gutters. Improper drainage can lead to water in the basement or crawl space. Make sure downspouts drain away from the foundation and are clear and free of debris.
Examine the Chimney
Examine the exterior of the chimney for signs of damage. Have the flue cleaned and inspected by a certified chimney sweep. Check the flashing.
Inspect the Concrete
Inspect concrete slabs for signs of cracks or movement. All exterior slabs except pool decks should drain away from the home's foundation. Fill cracks with a concrete crack filler or silicone caulk. When weather permits, power-wash and then seal the concrete.
Remove firewood stored near the home. Firewood should be stored at least 18 inches off the ground at least 2 feet from the structure. Again it can attract insects that can do damage to your home.
Check Outside Faucets
Check outside hose faucets for freeze damage. Turn the water on and place your thumb or finger over the opening. If you can stop the flow of water, it is likely the pipe inside the home is damaged and will need to be replaced. While you're at it, check the garden hose for dry rot.
Service the AC Unit
Have a qualified heating and cooling contractor clean and service the outside unit of the air conditioning system. Clean coils operate more efficiently, and an annual service call will keep the system working at peak performance levels. Change interior filters on a regular basis.
Check Power Equipment
Check your gas- and battery-powered lawn equipment to make sure it is ready for summer use. Clean equipment and sharp cutting blades will make yard-work easier.
Spring will be sprung soon enough – Print this list out or add it to your phone for an easy reference to not forget these important items! Check them off as you complete them!
As always if you have any questions or comments about this blog please let me know!
Storm surges and extreme winds. Flash floods and power outages. Fires ,Hurricanes, Tornado’s etc… are unquestionably dangerous for humans, but when the winds calm and the waters subside, it will without a doubt have damaged something else—precious personal and cultural artifacts that are now wind-shredded, waterlogged or simply up in smoke.
As scary as it may seem, disasters are inevitable. Things happen – so why not be prepared?
Far too many of us keep our most treasured keepsakes in places that could see the most damage. Attics and basements for example are really terrible places to keep family photo’s or your great great grandmothers famous spaghetti sauce recipe. Basements flood, attics are super hot during those summer months and you never know when a critter may get into the attic and destroy items.
Here are a few tips for preparing and dealing with natural disasters that could threaten your most prized possessions:
Take Your Stuff Seriously:
Most people don't realize how meaningful their things are until they're gone. Even if nobody else would think that your favorite photo or a handwritten note from a loved one who is not longer with us is significant – It is those items that can never be replaced. Take a moment to consider what possessions are most important to you, then think about how you'll save or salvage them in case of emergency.
It continues to get cheaper and cheaper to store your personal photo’s and copies of those treasured hand-written recipes and notes in the cloud! At the very least those items that are the most important to you should be stored electronically and in a safe a secure location in your house.
Location, Location, Location:
Consider where your most valuable or culturally significant artifacts sit inside your house. Move them from areas that are vulnerable to flooding or rain and away from windows, the floor, and the basement. If you have time, cover up delicate materials with plastic sheeting. Simply putting your photos in plastic bags or waterproof bins goes a long way to at least give them a chance to survive.
Assess and fix obvious fire and other hazards:
When I was not in this insurance – I would not notice any obvious hazards. Now as I walk through homes all kinds of hazards jump out at me like a 6th sense. The trip hazards, fire hazards, all of which I was blind too jump out at me as potential dangers.
Do yourself a favor and on that really boring Saturday or Sunday commit a little time to insure your most treasured items remain with you in the event of disaster.
As always feel free to comment or call me about this blog or general insurance questions at 440-527-0304!
Small Business owners – Listen-up! I know you have business insurance because you understand the need. If I am guessing you have business insurance for the following reasons:
-To protect your staff;
-To protect business assets;
-Risk of a lawsuit(s); and
-It's a wise investment for your company's future.
This is smart thinking. Running a business presents its challenges. Clients can refuse to pay, equipment can break down and products can be recalled. The truth is you never know where your business decisions might lead the business, but you do know that business insurance will help break the fall if the company should take a turn for the worse.
Just like business insurance, cyber insurance is there to provide financial padding when things go wrong. The hesitancy you might be feeling about getting a cybersecurity insurance plan may have to do with what you assume it cost too much money. Rates are certainly important but not the most important reason to consider Cybersecurity insurance.
Cybersecurity Insurance: What It's All About
Another reason (aside from cost) that you might be skeptical about getting a cyber insurance plan is because you're not really sure what it is or if you need it? Cybersecurity was not on the radar until the last year, when large companies like Yahoo, Ashley Madison and Snapchat made national headlines when their systems had been breached and sensitive customer and employee data had been stolen. But these are big companies, what are the chances that cybercriminals would want to target a small business?
They're higher than you think.
According to small business trends, small businesses make up for 43 percent of cyberattacks. In an effort to get money, cybercriminals aim for low hanging fruit-businesses that typically have lax cybersecurity.
When a hacker gets into the system they wipe it clean, leaving the small business with nothing. If you don't have cyber insurance, this could end your business.
Cyber insurance offers the following protection services:
Similar to the small business professional liability insurance plan, cyber insurance covers the financial losses to your business after a cyberattack has led to business interruption, data loss and customer dissatisfaction.
Notification Contingency Plan
Your cyber insurance agent will contact all first and third parties affected by your network's data breach while you and your IT team work to isolate the malware or infected code in your system and remove it.
Some (ask your agent how to get a plan that includes this) cyber insurance plans provide a forensics investigation to learn how, when and where a cybercriminal was able to infiltrate your system and infect, steal or delete company data.
If customer data was leaked to the public or used for nefarious purposes, wrecking the financial accounts or reputations of your customer base, they can sue you in court for damages. Like business insurance, cyber insurance will cover litigation costs and even pay for part of the settlement.
If you have no other option than to pay the ransom to get your stolen data back from a cybercrime ring, a cyber insurance policy will help cover the cost.
There is always a chance that something will go wrong, and people are imperfect, things usually do. Safeguard your business, your employees and your customers by investing in a cyberinsurance – you will be glad you did!
Herrholtz Insurance Agency has great rates on CyberSecurity Insurance. What is stopping you from getting a peace of mind that when that day comes and cybercriminals target you the little guy – you are prepared and covered!
Call me at 440-527-0304!
Temperatures outside are still frigid – but soon – YES it will happen the temperatures will rise and many of us will be anxious to get outside to spruce up our house. We will be Freshening up paint, maybe adding a garden, repairing the roof or making an inviting outdoor space for entertaining and relaxing can have a small or large impact on your wallet … and impacts the value of your home. But don’t run to your local hardware store before researching and prioritizing projects to see if they’re worth the investment.