Linkedin     Facebook 

Insights

Back to School
Back to School

The months of August and September means back to school for most of us.  Maybe you’re wondering what back to school has to do with insurance, but there are a few things to keep in mind.

Good Grades – Do you have a teenage driver in the house (or one on the way)? Many policies allow discounts for students with good grades. Don’t forget to talk to your kids about the importance of keeping those grades up! These discounts can apply to college students too.

Moving To The Dorm – Is your college student living in the dorm this semester? Your Homeowners Insurance may cover their belongings without additional coverage being needed. This is called Property Off Premises coverage. Remember, any claims would be subject to your deductible which is usually higher on home policies! Let us review your policy to check for the specific amounts of coverage included.

Moving To An Apartment – Let’s say your college student has graduated from the dorms and moved on to an apartment. In this case, your Homeowners Insurance may not cover their belongings and they would need their own Renters Insurance policy. Renters Insurance is very affordable and covers all of the contents of the property. It also provides liability insurance if someone were injured in the property or if the student caused a fire, etc. By making sure they are properly insured, you are also protecting yourself.

Coverage without a car at school- If your student will continue to drive while at home on school breaks, you should keep him/her listed on your auto policy. Fortunately, if your child is attending school far away from your home, over 100 miles away, you may qualify for a distant student discount.

Coverage with a car at school- Typically, a car registered to parents and listed on their policy will be covered if used by a listed student away at school. However, you should make sure that your insurance carrier writes coverage where the college is located, and understand that a change in the vehicle’s principal location could result in a change in premium.

Driving a friend’s car at school - Students will generally be covered while driving a friend’s car if the students are listed on their parents’ auto policy and do not have regular use of the vehicle.

As always, please feel free to contact us with any questions or concerns.

 

 



Pipe Breaks

Cold Temperatures and Pipe Breaks Go Together

 

 

One thing is for sure, our weather is crazy. Remember the Polar Vortex?  With temperatures shifting from the 60's to the 20's and snow expected this week, we need to be prepared and keep a close eye on our properties.

Temperature shifts of just 10 degrees can cause contraction and expansion of pipe material, which can cause water lines to break. Also, when the air temperature is at or below freezing, the ground above a pipe freezes, causing stress on the pipe. Since the drop in water temperature lags behind air temperature changes, water pipe breaks usually occur one to two days after a cold spell. During and after freezing temperature periods, keep an eye out for pooling water near your building or for low water pressure from faucets.

Prevention of Pipe Breaks

Pipe breaks can be devastating, so anything you can do to minimize the risk is extremely helpful. As with most systems and parts of your property prevention is by far the best solution, below are several key things you can do:

  • Make sure you know where your shut off valve is.
  • Ensure that any outside taps and piping including drain pipes for heating or overflow pipes are insulated. You can use insulation or foam to do this but make sure you do not leave any joints, bends or taps exposed. For outside taps, fitted covers are available.
  • Any piping that are in unheated areas such as lofts, basements and garages all need to be insulated.
  • Any pipes buried in the ground outside such as pipes to garages or sheds need to be buried deep enough and/or lagged.
  • Insulate your cold water tank, this is so often forgotten and can be the major cause of pipe breaks.
  • Leave your heating on at least 68 degrees at all times throughout cold spells. This will keep the system warm enough not to break.
  • Fix any dripping taps or existing leaks before the cold spell. Many pipe breaks happen because of leaks.
  • Have your central heating system serviced regularly.
  • In particularly cold spells, leave inside doors and cabinets open to allow the warm air to circulate around space and warms any pipes in that space, reducing the risk of a breaks.
  • If your property will be unoccupied for any space of time, turn off the water, drain any water from the system and close the taps again (this is very important) and leave your heating on. Most heating systems will continue to work without the main water on for a period of time. Most importantly make sure that someone can check on the property from time to time.
  • Remember that the cost of a burst pipe can be thousands, so a little preventative  cost can save much more in the long run.

 
What To Do If You have a Pipe Break

No matter the prevention taken sometimes burst pipes happen. What you do when you discover one will make the difference between an inconvenience or a total disaster. You cannot always see a broken pipe. Below are some tips to help you spot them:

  • Not  every burst pipe is a torrent of water from the ceiling, look for damp patches on walls, ceilings and floors. Loss of water pressure, unusual noises in the system and even electrical faults all can point to pipe breaks.
  • DO NOT use the electrical devices, keep away from light switches and sockets if water is leaking, it easily can be within the electrical circuit.
  • Clean the excess water away as soon as possible. The quicker the water is removed the less damage can be caused.
  • Move any furniture and belongings from the affected area, remember that insurance does not always cover everything and some things just cannot be replaced.
  • If the pipe break is not on the property but the street, then keep well away. The water pressure in the street can be exceptional and very dangerous.  Call the local water authority immediately.




WinterHouse

November 2014:  Well, it looks like winter has arrived early and could be here to stay.  Below are some tips to prepare your home for the winter weather and help prevent unwanted losses:

•Check the seals on all windows, doors and attic spaces. Good insulation will conserve heat and prevent frozen pipes.

•Wrap pipes located on outside walls with insulation, as they are subject to freezing.

•Keep gutters clean and  ask your contractor about gutter shields and snow shields. These can help prevent ice dams and water entering under the eaves. 

•Keep trees near your house pruned. Wind and ice can cause them to fall on your house and power lines.

•Seasonally check heating system. Check for proper heat flow to all rooms.

•If you have a generator test it periodically and keep it maintained properly. If you don't have a generator, consider one.

•When leaving your home for a period of days do not lower the heat too much. It leaves very little margin should the heat fail before a pipe can freeze.

•Do not leave your home unattended. Have a responsible party walk through the home at least once a day.

•To limit possible frozen pipe damage or heat failure consider leak detection and water cut-off devices as well as low temperature alarms.

•Test sump pumps to avoid flooding from rapidly melting snow or heavy rains.

•In the event of power loss do not attempt to heat your home by stoves or ovens. 

•Make sure all fireplaces have protective screens. 

•Keep salt and sand handy for driveways and sidewalks. Have snow removed promptly for emergency vehicle access.

•Know your insurance company and policy numbers.

•Claim phone numbers for your insurance company can be found on our website at http://www.randinsurance.com/Site/581886336/Claims.asp



Boat

October 2014:
Unfortunately, it seems that boating season is coming to an end.  Thank you to all of our clients who entrust us with their boat insurance.  Should you have any questions concerning lay-up conditions and/or require an amendment in lay-up coverage on your policy, please give us a call.
(203)637-1006.  CALL RAND


July 2014:
Hurricane Season is upon us.  We have had our first storm, Arthur... Here is a link to information that you might be interested in reading:
Hurricane Preparedness: http://www.nhc.noaa.gov/prepare/ready.php

WinterBinneyIt's Cold Outside!
January 2014:  Following is our Winter Weather Checklist to help you be proactive to avoid damage to your property during the winter months:

  • Check the seals on all windows, doors and attic spaces. Good insulation will conserve heat and prevent frozen pipes.
  • Wrap pipes located on outside walls with insulation, as they are subject to freezing. 
  • Keep gutters clean and  ask your contractor about gutter shields and snow shields. These can help prevent ice dams and water entering under the eaves.  
  • Keep trees near your house pruned. Wind and ice can cause them to fall on your house and power lines. 
  • Seasonally check heating system. Check for proper heat flow to all rooms. 
  • If you have a generator test it periodically and keep it maintained properly. If you don't have a generator, consider one. 
  • When leaving your home for a period of days do not lower the heat too much. It leaves very little margin should the heat fail before a pipe can freeze. 
  • Do not leave your home unattended. Have a responsible party walk through the home at least once a day. 
  • To limit possible frozen pipe damage or heat failure consider leak detection and water cut-off devices as well as low temperature alarms. 
  • Test sump pumps to avoid flooding from rapidly melting snow or heavy rains. 
  • In the event of power loss do not attempt to heat your home by stoves or ovens.  
  • Make sure all fireplaces have protective screens.  
  • Keep salt and sand handy for driveways and sidewalks. Have snow removed promptly for emergency vehicle access.
  • Know your insurance company and policy numbers.
  • Claim phone numbers for your insurance company can be found on our website at http://www.randinsurance.com/Site/581886336/Claims.asp.