February 10, 2018
AgencyMudflows in Montecito
From my perspective working in property insurance, this is a flood, and many homeowners and businesses may be without insurance. However Dave Jones (California Insurance Commissioner) has given formal notice to insurance companies of their duty to pay for “efficient proximate cause.” What does this mean? Insurance companies would have to cover damages from the […]
September 16, 2017
AgencyCarbon Monoxide Gas Dangers
Carbon Monoxide poisoning occurs most often during the winter months. This is because during the cold months we frequently use furnaces, water heaters, stoves, and gas fireplaces. Some precautions you can take to avoid carbon monoxide poising are to have fuel-burning appliances inspected for leaks and proper ventilation, and to make sure you have a […]
September 7, 2017
AgencyMost Property Insurance Does Not Cover Floods
Most of us are far removed from the devastation that took place in Huston a couple weeks ago. However many of us have family or friends who live in the greater Huston Area. Though we don’t have that caliber of torrential downfall or Hurricanes here in the Sierra, it is important to remember how devastating […]
August 12, 2017
AgencyWorkers Comp Increases
Attention business owners! The Worker’s Compensation Rating Bureau authorized the submission of an Advisory Pure Premium Rate Filing to the California Insurance Commissioner. What the WCIRB is attempting to do is raise the workers comp pure premium in California. Though it’s a slight increase, it is presumably the start of more increases which make […]
July 7, 2017
AgencyRattlesnake Caution
The snakes are out of hibernation, so try to be cautious on your adventures especially near the valley floor. I just came across a rattlesnake in Chipmunk Canyon last week. It was a big one, about 4 feet long. I watched him from a distance for a few minutes, and then went on my way. […]
June 15, 2017
AgencySummer Deer Migration
It was one of the largest snow years on record. We know based on our knowledge of the area that deer won’t be able to migrate through the snow covered passes this year. There will likely be an influx of animals near our road systems, and our odds of a run in will increase drastically. […]
June 6, 2017
AgencyHeat Illness
As part of living in the Eastern Sierra, we can expect heat waves during these summer months. To avoid costly workers compensation insurance claims, please consider Heat-Related Illnesses and our tips for beating the summer heat. Symptoms of Heat-Related Illness can be broken down into two groups: Heat Exhaustion, and Heat Stroke. Though less severe, […]
August 23, 2016
AgencyEarthquakes Mono County
This information was shared with be by ICAT www.eqhomeowner.com. In looking at the graph below I’m pretty sure my home is right on top of an Earthquake fault. If you have earthquake insurance like me great if not you may want to consider it. Beyond simply paying for a policy this graph and LA Times […]
March 15, 2016
AgencyTree Removal…
Q: I have been asked more than once will my Insurance Company pay to remove a tree that may fall on my house. A: No- the reason being is that a tree that needs to be removed is viewed as ordinary maintenance or pride of ownership. No different than painting your home or replacing […]
December 15, 2015
AgencyRailroad Express/ Laws Railroad Museum
A Big thanks to the Bishop Chamber of Commerce and Laws Railroad Museum. The Railroad Express Event held on Saturday was a big hit with children and parents, I would give it 5 Stars. Besides Santa we also went on a Train Ride and had some hot coco while the Sweet Adelines caroled. We will […]