November 24, 2014
We all know that Black Friday is the biggest shopping day of the year – from those looking for the best deals to those simply eager to find the perfect gift and complete their lists. Here’s a few tips for you to keep in mind.
- Carry a small purse/bag closely against your body to avoid losing it or having anything stolen.
- Lock packages in your trunk. Don’t leave packages visible through your car windows.
- Consider alternate options to pay, such as onetime or multi use disposable credit cards.
… Or for some alternative ways to spend your Black Friday, you can give back by volunteering, eating turkey leftovers, and getting an early start on Christmas movies. Most of the discounts will still be there when you’re ready to hit the stores.
Either way, shop local and have fun. If you’re not having fun, you’re not doing Black Friday right.
October 31, 2014
Daylight Savings Time Ends Sunday
When you change your clocks Saturday night, it’s also a good time to change the batteries in your smoke and carbon monoxide detectors.
According to the national statistics, 75% of fire deaths in residences occur in homes that either do not have smoke alarms or do not have working smoke alarms.
A working smoke alarm greatly increases your chance of surviving a house fire. It is an inexpensive “insurance” to safeguard you and your family in the event your home catches on fire.
October 23, 2014
As the temperatures start to change and the days shorten, it’s a reminder that the warm summer days are behind us. It’s also a reminder that there’s a lot to think about in the next few months.
We have weather changing, which means we need to prepare our property for winter. Be pro-active in the maintenance of your property.
We have Holidays coming, which means we need to make our property safe for guests. This includes “trick-o-treaters”, Thanksgiving and Christmas guests as well.
Then, we have Holiday shopping, which means we need to protect ourselves from ID Theft! With Black Friday the biggest shopping day of the year and Cyber Monday as the biggest internet shopping day, you can never be too cautious.
Please review your policy with your agent. Finger Lakes offers enhancement endorsements to provide you with the best coverage for your needs. Now is the time to make sure you are properly covered, not after the fact.
October 2, 2014
Did you know that many people don’t test their smoke alarms as often as they should?
When there is a fire, smoke spreads fast. You need working smoke alarms to give you time to get out. Test yours every month!
Five minutes. That’s all it takes and isn’t it worth it if it could save your life or the lives of those you love?
♦ Working Smoke Alarms Save Lives: Test Yours Every Month! ♦
September 25, 2014
As the first leaves hit the ground and those fall breezes turn from cool to cold, it’s time to prepare for whatever Old Man Winter has in store.
- Prepare an emergency kit. Include first aid supplies, flashlights, extra batteries, nonperishable food, and bottled water.
- Caulk cracks and replace dried-out or missing weather-stripping and seals.
- Service your snow blower. Have snow shovels and bags of sand/ice melt handy.
- Trim dead tree limbs or branches that are hanging close to the house or electrical wires that could cause damage when weighted by ice.
- Inspect and clean gutters and downspouts.
- Inspect the roof. Repair or replace flashing, roof shingles or tiles.
- Reverse ceiling fans so the direction of air flow forces the warm air at ceiling height back down along the walls.
- Insulate exposed pipes, and drain and close off A/C pipes or exterior hose spigots.
- Service your furnace, clean the ducts, stock up on filters, and inspect or replace the thermostat. Fireplace – chop firewood and inspect the damper and chimney.
- Stock up on hot chocolate!
….and most important, don’t forget that this is a great time to review your coverage with your agent. Pull out your policy and give them a call to make sure you are adequately covered.
September 15, 2014
Anytime you hire a contractor to work on your home or property, please take time to verify that they and any subcontractors are insured, as well as licensed and bonded.
While it’s a good idea to ask for a contractor’s certificates of insurance, go one step further and contact the insurance company directly, as some certificates can be fake or altered. It is also recommended that contractors carry at least $1 million in coverage.
After your remodel, don’t forget to contact your local agent to ensure that your policy is updated to include the new improvements.
September 5, 2014
Although it’s one of the key factors, price should not be the only factor when searching for insurance. There are other things you should consider.
Coverage – Whether personal or business, is the policy tailored to you? Do you need coverage for that engagement ring? Are your contractor’s tool insured to value? Is your farm equipment covered?
Claim Service – If you suffered a claim, how was it handled? Did you receive prompt contact from the claims department? Was the adjuster fair and understanding?
Your Agent – Does your agent know YOU and what you need? Is the Agent’s support staff experienced and knowledgeable?
Company Stability – What is the company’s AM Best rating? A good rating proves sound financial decisions so claims can be paid out.
Sometimes the security knowing that you are fully protected, as well as receiving superior customer service, may be worth an additional cost. Finger Lakes has knowledgeable Independent Agents to make sure you have the coverage you need.
Our Claims Department is always ready to assist in a timely and expeditious manner. No discount in the world will make up for slow claims processing.
Finger Lakes A.M. Best Rating is “A”. – Definition = “Excellent”
Locate an Agent in your own community for a quote!
August 27, 2014
The time has come for students to move away for college. This is a transition that the parents and students both need to adjust to.
As a parent your job is to make sure your child and their possessions are protected while they are away.
Your full time student is an insured even when away from home. Although your homeowner’s provides coverage for your student’s property, as well as give them liability coverage, there are limitations on certain property such as theft of jewelry, cash, etc… Finger Lakes offers enhancement endorsements that will increase some of the limitations. If you want more coverage for your student’s belongings, contact your local agent and review your current homeowner’s policy.
As a student, your job is to document. Before leaving for school, take pictures and write down model & serial numbers of the more valuable property that you will be taking to school. List dates and places of purchase as well as the purchase price. Keep the list and pictures at home. This will help you in the event of a property loss.
Mark all the property in a way to discourage anyone from taking it and to help identify you as the owner if stolen property is recovered.
Take measures to protect your property and make sure you have the insurance protection you need to get things back to normal as quickly as possible if you do suffer a loss.
August 8, 2014
There are an abundance of ‘direct writer’ insurance companies these days. These companies ‘cut out the middle-man’ by selling direct to the consumer, rather than through an agent. The consumer thinks they are saving money by going direct, but the consumer takes on a level of risk that they may not realize.
Independent Agents Can Do Important Things For YOU!
- They are your legal representative – YOUR agent.
- They are YOUR advocate.
- They are licensed by the state and it’s their responsibility to put YOUR interests first – over and beyond their own.
- Agents understand insurance and can communicate it to you so YOU understand.
- THEY WORK FOR YOU!
If you go ‘direct’, you are taking full responsibility for your coverage decisions. Independent Agents offer certain services and protections that you will not get with a “direct-writer” insurance company. Finger Lakes has over 140 Independent Agents that are right in YOUR community. Contact an Agent today for a Finger Lakes quote!