July 18, 2014
According to media reports and data compiled from USA Swimming, since Memorial Day this year, 72 children younger than 15 have tragically drowned in a swimming pool or spa.
Simple Steps that families can take to prevent accidents around a pool or spa:
- Fix broken pool gates and fences.
- Use self-closing and self-latching gates;
- Designate adults as “Water Watchers”
- Sign kids up for swim lessons with a Certified Swimming Instructor.
If you are a pool owner, schedule an appointment with your Finger Lakes agent to review your Homeowners coverage. Be certain your current liability coverage is adequate to protect you from allegations of negligence from anyone claiming injury from being in or around your pool and pool-related activities.
July 8, 2014
Finger Lakes offers a great Farmowner’s insurance policy. From the hobby farm to the 500 acre dairy farm, we can cover it! Have you called your agent today to inquire?
June 30, 2014
The American traditions of parades, cookouts, and fireworks help us celebrate the summer season, especially our nation’s birthday on the Fourth of July.
However, fireworks can turn a joyful celebration into a painful memory when children and adults are injured or killed while using fireworks.
- Fireworks cause 20,000 fires each year.
- Fireworks cause 4 US deaths annually.
- 400 Americans lose sight in one or both eyes due to fireworks.
- Did you know that Sparklers burn as hot as 1,000 degrees?
Fireworks are explosives devices and are dangerous and can be unpredictable. The few seconds of pleasure that firework displays bring are not worth the risk of permanent scarring, loss of vision and hearing, dismemberment or even death.
All consumer fireworks are banned in New York State. Let the professionals handle them.
June 20, 2014
Summer is truly party time in America, but property owners should be aware of the risks associated with these get-togethers.
Common risks for which a homeowner might need insurance coverage:
- Damages to a guest’s vehicle from a stray baseball or a young driver releasing the parking brake and rolls into another car.
- A guest tumbles down the steps of an outdoor patio. Keep sidewalks and pathways clear of debris and well lit.
- A child gets burned from an outdoor grill. Don’t leave a grill unattended.
- A guest becomes impaired after consuming alcohol and then causes a car accident. Use designated drivers.
Failing to take steps that might have prevented an incident are reasons that the property owner can be found liable.
When you have a gathering, consider safety precautions. Keep your family and guests safe this summer!
June 19, 2014
As graduation day approaches for hundreds of students we hope for everyone’s safety. Unfortunately, every year at graduation time kids drink and drive or text and drive. This decision has a great impact on a lot of people, including the victims, their families, EMS crews and others.
**Absolutely no alcohol
**Always use seat belts
**No cell phone use (including texting) while driving
We ask that teens please be a role model this year and do the right thing!
June 6, 2014
SUMMER PROMOTION STARTED JUNE 1ST!
Add Identity Fraud coverage to your Homeowners, Mobile Homeowners or Farmowners and receive a FREE wallet that blocks RFID (Radio Frequency Identification) chips. Contact your agent for details. HURRY – LIMITED TIME OFFER.
May 15, 2014
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.
May 7, 2014
Now It’s Time to Graduate to Your Own Insurance!
As a College grad starting out you may be renting an apartment or a house. To protect yourself and your belongings, renters should consider purchasing “tenants insurance.” We offer a low priced Tenants Homeowner package for those who rent. PLUS, Identity Theft support services are INCLUDED on all Homeowner policies at no charge.
A Tenant policy includes coverage for:
- Personal Property
- Personal Liability
- Loss of Use
- Medical Payments to Others
Your renter’s insurance policy will generally pay to replace any property that is stolen, damaged or destroyed by a covered cause, subject to any policy limits or exclusions. Also, your policy usually can follow you, though some adjustments may be necessary. To make sure you have the proper coverage, keep your Independent FLFCC agent informed of any location changes.
Best of Luck, Class of 2014!