Archive for the ‘dogger’ Tag

Ten Tips for Preventing a Disaster   Leave a comment

Insurance Dog

The Insurance Dogger has been keeping an eye on things in my absence!

Good afternoon!  Long time no write!

Sorry I’ve been so busy – working on quotes and assisting clients with claims has eaten up vast amounts of time in my calendar!

Just a quick list of things you can easily do to prevent a disaster from occurring in your home.

If you think there’s something I missed, feel free to email your idea to me:  scott@poleskyagency.com

1 – Turn off your water supply at the main valve into the house before leaving for vacation.

2 – Always use metal water supply lines for all fixtures, especially heavy water users like your dishwasher or wash machine – plastic lines corrode far too quickly and can be pinched or severed accidentally.  You can either use actual copper lines, or the metal-coated flex lines.

3 – Have your sump pump tested annually, preferably before the spring rainy season arrives.  If you don’t know how to do it, contact a local plumber to assist you.

4 – Check your foundation walls for cracks every six months, especially looking for cracks that run across the face of the blocks.  Cracks that follow the mortar/joints between blocks could be a sign of ordinary settling, whereas cracks across the blocks themselves could be an indication of pressure or other damage that should be closely monitored.  If you do see a crack developing, cover it with a small amount of caulk, joint compound or spackle, and check every few weeks to see how quickly the crack is spreading.  If it’s spreading quickly, or if it’s more than 1/4″ wide, contact a licensed foundation repair contractor immediately.

5 – Trim trees annually, especially those near the house.  Make sure to remove all dead branches, and to “balance” the tree as much as possible so it’s not producing branches primarily on one side of the tree.  Similarly, trim back all shrubs and other landscaping so it is at least a foot from the exterior walls of the house to prevent infestation by ants, termites, and other insects.

6 – Place splash pans or catch basins under your washer and hot water heater to catch leaks.  Make sure the pan drains to a nearby floor drain.

7 – Inspect your foundation walls annually for termite tunnels (which often look like small mud tunnels on the block).

8 – Add long down spout extensions to the end of your gutters to direct rain water away from the foundation of the house – a one inch rain fall drops approximately 650 gallons of water on an average roof!

9 – Install surge protectors on all of your electronics and, when possible, appliances.

10 – Test the batteries in all smoke detectors at least once per year, and keep at least one ABC rated fire extinguisher on each floor of the house and an additional ABC fire extinguisher in the kitchen.  Replace them as indicated, or after any use.

Bonus tip – be sure to have your furnace/boiler cleaned and inspected on an annual basis before cold weather hits – preferably in the summer so if something comes up, you are not paying “emergency” or “rush” fees to your repairman!

Oh, and Happy Flag Day!

american-flag-2a

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Some Wintery Insurance Tips   Leave a comment

Sammy Bo

Sammy Bo loves the snow!

Long time no post!  This El Nino winter has been a strange one here in Pittsburgh.  The on-again off-again wintery weather has kept us busy.    The Insurance Dogger loves the snow, so this winter has been an emotional roller coaster to be sure!

A month into winter and we’ve received an unusual array of claims for this time of year – of course we are seeing the normal frozen pipes, chipped windshields (salt wreaks havoc on your glass!), and sliding on ice.  But we are also seeing some unusual-for-winter claims as well – in particular, sewage backing up in basements, which is far more common in spring & early summer.  The heavy snowfall, followed by rapidly rising temps and even occasional rain showers has simply been too much for many sewage systems to handle.

All of this has gotten us to thinking, in light of some of the conversations we’ve had to have with clients, it’s time to do a brief update & post on choosing your insurance coverage – both home and auto. 

I can’t tell you how many times a client has told us they want to insure their cars or home “as cheaply as possible.”  Though this is a thought process we work very hard to counter, it’s not always feasible to adjust this mindset.  When you’ve had a claim is NOT when you want to find out that if you spent a couple extra dollars per month, you would have saved yourself a lot of heartache.

Once you’ve had a claim, you cannot backdate a change to your policy to provide you with the coverage you need – even if you offer to pay for the additional premium.

Here are a few coverage options to consider having on your policy to avoid stress & financial difficulty:

Auto Insurance

Comprehensive physical damage – do not confusion this with collision coverage, or “full” coverage.  As explained previously here on the Dog Blog, comprehensive coverage (in Pennsylvania) protects against things like glass damage, hail damage, fire, theft, flooding, or hitting a deer.  Even if you remove Collision coverage from your vehicle, we always recommend retaining Comprehensive on your policy, as it is a cheap way to provide protection against a number of different claims.

Rental Reimbursement & Towing and Labor – Again, previously explained on the Dog Blog, these two extremely inexpensive coverages will save you A LOT of stress in the event of a covered claim.  Towing & Labor, which provides similar benefits as AAA membership for a fraction of the cost, is a particularly useful during the winter months. It provides everything from jumping a dead battery to pulling your car out of a ditch after sliding on black ice.  Rental reimbursement pays you back for the use of a rental car (with policy-specific limits – ask your agent) in the event that a covered claim puts your car in the shop for an extended period of time.

Increased Property Damage liability limit – Did you slide on slushy roads and rear-end that brand new Mercedes driving in front of you?  We recommend all clients carry AT LEAST $50,000 of Property Damage liability coverage, if not $100,000 or more.  Sleep peacefully knowing that you have the protection you need if you damage an expensive car (or cars!) or home.

Homeowners/Renters Insurance

Sewer & Drain back up – Put simply, S&D B/U (as I call it) protects you in the event that sewage backs up through your floor drains or water overflows from your sump pump.  The coverage is available on both owners and renters policies.  Though this is more common in spring & summer – add it now to ensure A) you don’t get any nasty surprises during this unusual weather season and B) you don’t forget to add it before the spring rains start.

Preventing pipes from freezing – though not a specific coverage, preventing your pipes from freezing in winter is crucial to preventing an unforeseen catastrophe – especially if your power goes out!  Some useful links with more in depth information were provided last winter, but there are several easy things you can do to prevent your pipes from freezing during cold snaps.  If you know you are not going to be home for 24 hours or more, ALWAYS shut your water off at the main.  This prevents water from flowing continuously from a burst pipe.  If you have pipes closed up within a cabinet (like your kitchen sink), open the cabinet from time to time to warm things up – and leave the doors open during especially cold times (when temps drop below zero Fahrenheit).  If your power goes out during a storm or a cold snap, turn all faucets on exterior walls on to a slight drip to ensure the pipes don’t freeze.

Identity Theft – OK OK, identity theft has nothing to do with winter weather, but especially during the Christmas shopping season, it bears repeating that the $20-30 per year that you spend on identity theft is money extremely well spent.  In 2014 alone, nearly 10% of all Americans were a victim of identity theft.  If that’s not enough to motivate you, consider that nearly 15% of identity theft victims suffered a direct financial loss of at least $1,000.  At $20 per year, it would take 50 years to make up the difference with premium savings to cover a $1,000 loss!

To summarize – a few simple and inexpensive steps now can prevent a great deal of stress down the road!  Contact your agent to discuss any questions or concerns you might have.

Slow down and drive carefully!

Always drive slowly and carefully when the snow is flying!

Merry Christmas from the Dog Blog!   Leave a comment

Good afternoon and a Merry Christmas from the Insurance Dogger!

We hosted a mini-photo shoot with Sammy last night in preparation for putting together Social Media Christmas greetings, and some of the results are below.  We narrowed and narrowed, and the picture on top was the final winner!  (Outtakes to follow some time later this week or next!)

We hope that all of you have a wonderful Christmas Holiday, and that you have a healthy and prosperous New Year!  We hope that if you are traveling, that you have a safe journey and enjoy your time with your family and friends.

Merry Christmas and Happy New Years!

Sammy Bo Journey, Scott Berney, and the Polesky Agency.

Dog Blog

We wish you a Merry Christmas!

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This one would've been great, but it was too dark.  Unfortunately, it wasn't possible to lighten it up without affecting quality

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