Impact of Early Move Re-opening on Insurance

Enders Joins Peers

Governor Wolf and the Pennsylvania Insurance Department recently made several public statements regarding provisions in many types of insurance policies that could exclude coverage for businesses or individuals “engaging in illegal acts or conduct”.  We believe that most policyholders recognize that insurance, in general, does not provide coverage for illegal or criminal acts, regardless of the current COVID-19 pandemic or measures that have been put in place in response.

While our elected officials debate the politics and impact on their constituents, our team remains steadfastly committed to educating our clients. We concur with our peers at Gunn Mowery, Horst Insurance, McConkey, Murray and Susquehanna Insurance that an early move from the Red Phase to Yellow Phase is a legal matter, with unintended consequences to individual insurance policies.

With patience and thoughtful discourse we can all survive and find new ways to thrive.

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COVID-19 Impact on Personal Auto Insurance

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It Rained So Much This Year

Jim Enders was invited back to WITF’s SmartTalk for another round of discussion with Scott LaMar. 2018 will go down as one of the wettest on record – now, more than ever, Flood Insurance was the only source of coverage for many impacted by the water.

You can take control of protecting your property by securing flood insurance before the water starts rising. Coverage is often more affordable than expected. It is key to partner with an agent that understands the nuance of flood insurance.

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Winterize your driving: It’s more than mechanics

Winterize your driving: It’s more than mechanics

Prepare your vehicle

Most of us understand the importance of preparing our vehicles for winter ̶  making sure tires are in good shape, wipers are good, brakes properly serviced and snow scraper in the car. We diligently address the mechanics in anticipation of expected winter extremes.

Prepare yourself

First, we must be ready to adjust our habits to better face the unpredictable challenges that often come with winter driving.  Second, consider the following tips before driving during inclement weather:

  • Conduct a pre-trip check. These are extremely important during the winter. Get into the habit of making sure windows and mirrors are clean and wipers are cleared before you start out. Clean all lights; make sure your heater and defroster are working properly. Carry an extra jug of windshield washer fluid.
  • Carry a blanket and/or extra clothing in your vehicle. Pack a water bottle and some high energy food bars in case you become stranded. Always ensure that your cell phone is fully charged prior to heading out.
  • Give yourself plenty of time. A 30-minute trip in good weather conditions may require double or triple that time in poor conditions. Warm up your vehicle so that windows are clear and you’re not looking through an “ice tunnel” in the windshield.
  • Have an exit plan. If conditions become hazardous, get off the road at the nearest exit, gas station or other safe place and wait out the storm. Let someone know where you are.
  • Be prepared to be stranded. In most cases, it’s better to stay with your vehicle. Keep a window cracked for ventilation, and make sure the exhaust system is clear of snow. Ration fuel if faced with the prospect of a long wait for rescue.
  • Beware of “snow hypnosis.” Driving and continuing to stare into onrushing snowflakes can cause a state described as the “1,000-yard stare,” when the eyes become unfocused and mental alertness wanes.
  • Take it easy! If your mind and body are telling you it feels safe at 40 mph, drive at 35 mph. Drive 5 mph below what you think or feel is safe.
  • Make gradual directional and lane changes. Signal well in advance, then slowly complete the maneuver. Extend the distance interval between yourself and the vehicle in front of you; it takes longer to stop in sloppy weather.
  • Pay heed to road conditions. Remember, condensation freezes on bridges, overpasses and shaded areas before the rest of the roadway. Avoid lane changes in these areas as well as in intersection zones.
  • Know your brakes! Antilock (ABS) brakes respond and feel different than standard brakes. If you begin to skid, release the accelerator, and steer in the direction you want to go. Do everything gently and turn the steering wheel as little as possible.
  • Avoid using cruise control where the roads might be slick. Cruise control can apply power suddenly or at the wrong time causing a skid or making a minor skid uncontrollable. If cruise is on and you think the road might be slick, use the hand-operated controls to turn it off; tapping the brakes can initiate a skid.
MORE INFORMATION

This post was created by the Loss Control team at the Cincinnati Insurance Companies 

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Time to Double-Check Your Pipes

Time to Double-Check Your Pipes

With winter sending an arctic blast across much of North America, homeowners and business owners will want to increase monitoring to prevent damage from frozen pipes. Watch our video for tips on how to prevent pipe freezes.

The Cincinnati Insurance Companies provides additional information on how to prevent pipe freezes and offer techniques for minimizing damage if you do suffer a pipe freeze:

 

Let it flow, let it flow, let it flow…

Did you know that letting your most weather-susceptible faucets drip during periods of extreme cold can keep your water pipes from freezing? Don’t let cold weather ice your pipes this winter!

First aid for frozen pipes – steps to prevent more problems

With winter not even a month old, there’s plenty of cold weather ahead of us – enough to freeze pipes, causing costly water damage at your home or business. If you suspect you have a frozen pipe – you’ve turned on the faucet, but no water comes out – call a qualified plumber immediately.

Even if you’re not a snowbird, winterize your pipes!

Homeowners who “fly south” for the winter are familiar with the idea of winterizing their home to guard against freezing while they are gone. However, with weather patterns shifting, homeowners who stay home for the winter are finding there can be issues with freezing pipes, even though they are living in their home and running water daily.

Keep business flowing: Prevent frozen pipes

Arctic temperatures can have a dramatic effect on your building, freezing pipes and causing costly damage. Especially vulnerable systems include fire protection equipment and piping; heating, ventilation and air conditioning equipment; compressors and piping; water and sprinkler mains; valves; and sanitary systems.


Have questions? Contact us!

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