September 4, 2015
Summer will soon be fading into fall, and Labor Day weekend is the time of the year we try to have that last big fling. Labor Day weekend is a time to celebrate the end of summer with backyard barbecues, beach trips and family gatherings.
People should follow these safety tips:
- Only grill outside in a well-ventilated area.
- Always swim with a buddy in a designated swimming area supervised by a lifeguard.
- Don’t drink and drive. The life you save may be your own!
Have a Safe and Enjoyable Labor Day Weekend!
August 18, 2015
You are getting ready to kick off your kid’s college career.
A decade ago, students heading to college may have just shown up with an old TV, a couch they found on the side of a road and a suitcase. Today, you send them off with a new laptop and some other expensive high-tech gadgets. With open doors and the occasional party, it’s no surprise that items tend to “walk away” from a dorm room easier than they would at home.
In general, protecting a student’s personal property boils down to a simple rule: If your child is living on campus and going to school full time, your homeowners or renters insurance policy (including liability protection) will cover their property. This coverage is dependent on the student still calling mom and dad’s address their primary residence.
It’s always best to reach out to your Independent Agent to review coverages before sending them off.
August 10, 2015
Insurance policies are fun, right? Sure they are… Nobody likes reading it, but it IS important!
An insurance policy is a legal contract. Your responsibilities as a policy holder are included under the contract. You should also read the policy carefully so that you understand your coverages.
Even if you look at nothing else in your policy, read and understand the declarations page. It summarizes your policy, listing vital information including the names of the insured, the policy’s effective dates, amount of coverage, deductibles and endorsements coverage.
Review your policy with your agent annually. Also remember to keep your policy documents in a safe and secure place.
August 3, 2015
If a disaster covered by home insurance destroys your house, one big expense might catch you by unpleasant surprise — the cost of meeting new building codes.
Most standard home insurance policies don’t cover the expense of bringing the house up to current codes if the structure didn’t meet the latest regulations before disaster struck.
Finger Lakes offers coverage for Ordinance & Law. When added to your Homeowner’s policy, we will adjust covered losses to the covered building in accordance with any ordinance or law which governs repair, restoration or demolition of the building. This means that the increased cost resulting from enforcement of codes, ordinance or law would be covered. Do you have the proper coverage? Contact your agent for more information.
July 28, 2015
Bounce houses are often seen at kids’ birthday parties and the like. They’re colorful, big and round enclosures where youngsters can jump to their hearts’ content, and one would presume stay out of harm’s way.
What once seemed to be a gentle source of entertainment has come to be regarded as a menacing, potentially injurious, if not deadly, choice for party-day entertainment.
- Make sure the unit is staked at every one of its corners. To insert stakes properly, position each one at a 45-degree angle and push it at least halfway into the ground, away from the inflatable house.
- Avoid setting up bounce houses on windy days, as they can be surprisingly vulnerable to gusts. If winds exceed 20 mph, do not set up the bounce house.
- Do not set up a bouncy castle if there is a threat of rain or lightning.
- Ensure that the bouncy castle is supervised by an adult at all times.
- Prohibit the following in the bounce house: jewelry, shoes, glasses, pocket items, food, drink, gum, and any horseplay such as flipping.
Finally, if you intend to set up a bouncy castle at your own home, make sure you have a homeowner’s insurance policy in place, one that will cover any damage to your property that may be caused by the bouncy castle, as well as any injuries others might suffer while using it. For more information about homeowner’s insurance, Call or your local agent.
July 15, 2015
Some people love a great thunderstorm; others are petrified by the first flash of lightning or rumble of thunder. Love ’em or hate ’em, thunderstorms produce lightning that is dangerous.
Here are simple tips to keep your home safe.
- Install a lightning-protection system to intercept lightning and guide it harmlessly to the ground.
- Make sure your home’s electrical system is properly grounded.
- Unplug expensive electronic equipment before storms approach.
- Use surge protectors to keep lightning from destroying costly electrical systems and home electronics, and starting fires.
July 9, 2015
Summer is here which means many families will be embarking on vacation getaways. Here’s some tips for avoiding scams and theft while traveling.
- Don’t share your plans on social media
- Use cash whenever possible
- Use secure wireless networks
- Check your credit card statements
- Make two copies of your passport and driver’s license
Identity theft is not just something you hear on TV or the Internet. It’s very real – and if you don’t take the proper precautions, it could ruin what should be a fun trip to a new destination.
Finger Lakes offers enhancement endorsements to provide you with the best coverage for ID Theft. Contact your Agent for further details.
June 30, 2015
Most of us residing in Central NY, have all spent June yearning for sunshine, waiting for just one day that feels like summer. With the 4th of July fast approaching, Americans all over have high hopes for a gorgeous summer day of barbequing, swimming and fireworks. If we are lucky enough to celebrate our day of Independence with sunshine, we may feel tempted to overdo the summer enthusiasm. Lets celebrate safely.
Sparkler & Fireworks Safety
More than 50,000 fires are caused by fireworks every year.
- Never disassemble or try to make your own fireworks.
- Don’t point sparklers, or fireworks at yourself or others.
- Don’t attempt to light multiple devices at the same time.
- Never allow young children to handle fireworks or sparklers.
- Always keep a fire extinguisher, water hose or buckets of water nearby to put out fires.
July is one of the peak months for grilling fires.
- Check gas grill hoses for cracks, holes and leaks.
- Keep children away from grills.
- Never grill indoors, in the garage, or in any enclosed area.
- Keep the grill at least two feet away from decks, siding, branches and any outdoor equipment that can catch fire quickly.
Water Activity Safety
Water activities have serious risks if the proper precautions aren’t taken.
- Review safe boating practices.
- Never consume alcohol while driving a boat.
- Always have enough life preservers on a boat for every passenger.
- Pools should be enclosed completely with a fence to restrict access to the area.
- Keep a first aid kit near the pool.
- Never leave children unattended in or around water.
Make Your Pet’s Celebration Risk Free
More pets go missing around the 4th of July than any other time of year.
- Never use fireworks around pets!
- Keep citronella candles, insect coils and oil products out of reach.
- Never leave alcoholic drinks unattended where pets can reach them.
- Do not put glow jewelry on your pets, or allow them to play with it.
- Keep them safe from the noise in a quiet, sheltered and escape-proof area at home.
To the Men and Women of the United States Military: Thank You for Your Sacrifice!
June 19, 2015
Graduating college is a significant milestone in your life. One that will bring on many new and exciting life changes involving work, money, living space and possessions. You have landed your first “real” job and with that comes a new place to call home. Renter’s insurance is important.
Why? Well, you want to have your personal items covered in a loss. Your electronics, clothing, household goods and other personal items are important to you. To make sure your possessions are protected renters insurance offers comprehensive coverage whether at home or traveling. Liability insurance included in renters coverage also helps protect against the risk of being sued.
Contact one of our Independent Agents near you for a quote!
June 17, 2015
Due to excessive and localized flooding in some areas, many have sustained property damage. If you have experienced damage to your property due to the recent heavy rainfall that has occurred, please contact your Flood Insurance Agent. If you do not have flood insurance, you may contact FEMA for assistance.
- Apply online at Disasterassistance.gov
- Apply via Smartphone at m.fema.gov
- Apply by phone (800) 621-3362 or TTY (800) 462-7585 for people with speech or hearing disabilities.
You can also visit FEMA.gov for additional information.
Preventing the Growth of Mold
- Moisture that enters buildings from leaks or flooding accelerates mold growth. Molds can cause disease, trigger allergic reactions and continue to damage materials after the storm.
- Remove standing water from your home or office. Remove wet materials promptly and ventilate; use fans and dehumidifiers if possible.
- If mold growth has already occurred, it is best to have a professional remove it.
- Individuals with known mold allergies or asthma should never clean or remove mold.
- Be careful about mixing household cleaners and disinfectants, as combining certain types of products can produce toxic fumes and result in injury or death.
It can be difficult to throw away items in a home, particularly those with sentimental value. However, keeping certain items soaked by sewage or floodwaters may be unhealthy. Materials that cannot be thoroughly cleaned and dried within 24-48 hours should be discarded.
Our prayers and thoughts go out to all the individuals, as well as entire communities, during this difficult time.