April 16, 2015
Spring planting season is the most dangerous time of the year for farmers.
While the weather is warming up, tractors will be started, plows attached, and long days of hard work will begin as farmers hurry to get their crops in the ground.
- Don’t wear loose clothing around equipment.
- Install a ROPS (rollover protective structure) on tractors to prevent rollovers.
- Shield all PTO-powered equipment drive shafts.
- Do not put young kids on farm equipment.
- Never leave running power equipment unattended.
- Have a fire extinguisher nearby.
Whether you have a hobby farm or a 500 acre dairy farm, safety should be your first priority. Make your farm a safer place, and you’ll be able to thrive on it.
April 14, 2015
An empty house can be an invitation for a burglar. Burglars are less likely to break into a home or apartment that looks occupied. Leave lamps on when you go out. If you’re going to be gone for a while, connect some lamps to timers to turn them on during the evening.
Burglars hate security lights outside. Motion-sensor lighting can make it seem like someone turned on a light to check out the yard.
April 9, 2015
Just like your home, your identifying information and accounts can always benefit from a thorough once-over Spring cleaning.
- Documents – Now is a good time to destroy or secure old paperwork, especially if your taxes already have been filed. File or shred receipts, bank statements, medical or health insurance statements. Invest in a quality shredder.
- Passwords – Change passwords on your online accounts. It’s a good idea to do this from time to time to stay one step ahead of hackers and identity thieves.
- Technology – Clean all computing devices, including tablets and smartphones, and make sure that any software protections are functioning and up-to-date. That means installing and updating antivirus and antimalware software and renewing security subscriptions. Log out of mobile apps for online banking after each use.
- Credit – Order a free copy of your credit report. And beware of some companies that require a subscription or credit card to do what you’re entitled to do for free.
- Protection – Add Identity Fraud protection to your policy and get a FREE RFID blocking wallet! Contact your Agent for details.
With a little effort now, you can stay on top of your information and safeguard it, letting you spend the rest of your time worrying about how you’re going to relax once warm weather finally arrives.
April 7, 2015
Spring time seems to be a magnet for water damage. As the weather warms and the snow melts, flooding is imminent.
It is much easier to protect your home from flooding than it is to clean up after your home is flooded. Just a little water in a basement or ground floor of a home can be a huge mess that is expensive and time consuming to clean up. This spring, take a few minutes to walk around the outside of your home to see if you are at risk for flooding.
- Inspect your gutters and downspouts for debris.
- Inspect the foundation for cracks or holes.
- Check to see if the soil around the foundation slopes away from the house.
- Re-direct your gutter downspouts – At least five feet away from your home.
- If you have a chronic problem with water seeping into your basement, invest in a sump pump.
In the past 5 years, all 50 states have experienced floods or flash floods and Homeowners insurance does NOT cover flood damage. Contact your agent to discuss Enhancement Endorsements that can offer some assist, should you experience interior water damage.
March 31, 2015
As you’re chasing dust bunnies and picking through cluttered closets while spring cleaning, don’t forget your insurance policies. They may need to be dusted off and refreshed, too. Reviewing and adjusting your insurance coverage is an important part of overall financial planning. Contact your agent today!
Spring signifies better things to come!
March 25, 2015
Passwords provide the first line of defense against unauthorized access to your accounts. The stronger your password, the more protected you will be from hackers and malicious software. But, with all the passwords needed, it’s difficult to remember them.
Try using passwords that consist of a few words. Examples are “rainisfalling” or “littlebobeep”. They are easy to remember, and when you’re prompted to change the password, you can just swap out one part of it. Example would be to change “rainisfalling” to “skyisfalling”. If you feel you must write down your password in order to remember it, make sure you don’t label it as your password, and keep it in a safe place.
Finger Lakes offers enhancement endorsements to provide you with the best coverage for ID Theft. Contact your Agent for further details.
March 20, 2015
After a long, bitter cold winter, spring’s bright sun and warm winds are, well, a breath of fresh air.
Here’s a maintenance checklist for your property:
- Check for loose or leaky gutters
- Examine roof shingles to see if any were lost or damaged.
- Examine the exterior of the chimney for signs of damage.
- Remove firewood stored near the home.
- Check outside hose faucets for freeze damage.
- Clean and service the outside unit of the air conditioning system.
- Inspect concrete slabs for signs of cracks or movement.
If you have the knowledge and expertise to repair these items yourself that’s great. However, if you don’t, please don’t hesitate to hire a professional.
March 5, 2015
Snow can get really heavy very quickly and can lead to roof damage or even collapse.
As a property owner, it is your duty to take all reasonable steps to protect your property to avoid damage. Using a roof rake with extensions allows you to remain on the ground and remove the heavy snow.
We do NOT recommend or encourage you to climb on a ladder or on your roof to remove the snow. If you are unable to remove the snow safely, please hire a professional since they will have the proper safety gear and should be able to do the work without damaging the roof.
February 6, 2015
An ice dam is a ridge of ice that forms at the edge of the roofline and prevents melting snow (water) from draining off the roof. Water then backs up behind the dam and works its way underneath the shingles. Ice dams can cause damage to ceilings, walls and insulation.
Steps You Can Take:
- Remove snow from the roof after every storm.
- Insulate the attic.
- Clean downspouts.
- Remove the ice dams.
If the icicles are confined to the gutters and there is no water trapped behind them, this does not indicate the presence of an ice dam. However, large icicles can pose a danger to people when they fall off. Try to safely knock the icicles off from the ground, making sure not to stand directly beneath them.
If you cannot reach them safely from the ground, consider hiring a professional to help.
January 27, 2015
The answer is absolutely!
For a small premium, renters insurance covers your personal property while at home or when you travel. It also provides liability protection as well as reimbursement of living expenses should your apartment become uninhabitable after a fire or other disaster. When you consider that just a single liability lawsuit could easily ruin you financially, this valuable protection is well worth the small premium. According to Insurance Information Institute, only 37% of tenants carry renters insurance. The most common misconception is that this coverage is too pricey to bother with. But renters insurance is quite affordable. If someone gets hurt in your apartment, don’t count on your landlord’s insurance to protect you. Contact an Agent today for a quote.