December 12, 2020
AgencyChristmas Tree Safety Tips
Christmas trees are a fun way to celebrate the holiday season, but they can be quite the fire hazard as they dry out. Here are some great Christmas tree safety tips from the National Fire Protection Association. Between 2014 and 2018, U.S. fire departments responded to an average of 160 home fires from Christmas trees […]
December 7, 2020
AgencyDisposing of Hot Ashes
Every winter we seem to have incidents in Mono County related to hot ashes. Sometimes hot ashes have even caught structures on fire, but more often the fire department is called to respond to smoking dumpsters from people who’ve poured their hot ashes inside. Neither one is a good scenario. To properly dispose of ashes, […]
August 6, 2019
AgencyAvoiding Insurance? Think About Safety
Have you ever heard statistics about accidents around the home? A Secure Life lists falls as number one. My house is located in Crowley Lake, CA. Every year we have friends and family over to celebrate Independence Day. In 2018 one of my uncles tripped on a lower step, but luckily he wasn’t hurt badly. […]
September 25, 2018
AgencyBills Passed to Protect Wildfire Survivors
California Insurance Commissioner Dave Jones sponsored SB 894, AB 1772, AB 1800, AB 1875 and AB 2594. Governor Jerry Brown has signed these bills, and some take effect immediately. For the provisions of the bills to be effective, the loss must be from a declared disaster. The provisions of the bills help homeowners or business […]
September 11, 2018
AgencyTime for Your Annual Chimney Sweep
It’s the time of year again to make the final preparations for winter. Angelo’s Stove & Chimney scheduled and cleaned my home’s chimney last week. Have you ever seen a chimney fire? Take one look and you’ll want to do anything possible to prevent it. Luckily preventing a chimney fire is pretty easy with proper […]
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 […]
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 […]
November 17, 2010
AgencyWater Damage Ten Times More Likely Than Fire
Some things to consider as temperatures drop into freezing conditions: A recent study by Travelers Insurance found that: “water damage claims are 10 times more likely than fire damage”. The most common sources of interior claims tend to be related to freezing and cracking of ice maker lines, washing machine hoses, and toilet flex-lines. This […]