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Archive for February, 2019

5 Things You Shouldn’t Do During a Power Outage

 

5 Things You Shouldn’t Do During a Power Outage

 

With the recent “Bomb Cyclone” weather we’ve had in the Midwest, power outages in our area were prevalent. Thankfully our power was restored within 24 hours, for some it took a lot longer. With that said, we’ve shared tips on what to do when the power goes out in previous podcasts but we’ve never share what you should not do. Here are a few tips from the article at Reader’s Digest that contains many more interesting tips!:

– Light Candles. Sounds counter-intuitive, but there are hazards to consider such as fire or injury from spilled wax.

– Keep Electronics Plugged In. Hopefully you have surge protecting power strips for your major electronics, but to be safer you should unplug the strips when a power outage or lightning storm is imminent to avoid damage.

– Leave Your Freezer Half Empty. A full freezer should stay cold for up to 48 hours, cut that in half for a half-filled freezer. Fill gallon jugs or storage bags with water to fill up the freezer, their cost is next to nothing and you can use the frozen water bags in coolers or ice packs for injuries.

– Ignore Traffic Rules. Here in Michigan it is now law that in case of a power outage or 4-way flashing red, intersections are to be treated as 4-way stops. The rules of the road don’t go offline when the power goes out.

– Operate a Generation in Your Garage. Countless stories are out there of people using generators improperly, either in a garage or non-ventilated area that resulted in death. Read the owner’s manual for proper placement/operation of the generator.

 

Contact Us!

At M. Vander Plow Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 616-396-1497 or send us a note at marsiljeins@gmail.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Categories: Uncategorized

5 Things Home Insurance Doesn’t Cover

 

5 Things Home Insurance Doesn’t Cover

 

A standard home insurance policy offers coverage for a variety of items it will cover, as well as a list of items they won’t cover. On today’s podcast we focused in on 5 items you may be surprised to find are not covered.

 

Collectibles/memorabilia/fine arts/antiques – most insurance agents add Replacement Cost-Contents coverage to a home insurance policy that allows for an insured to replace items (“new for old”) damaged by covered losses rather than get Actual Cash Value for them. When it comes to collectibles/memorabilia/fine arts/antiques, their values are derived from their uniqueness/rarity which presents a problem when it comes to replacing the item(s). Coverage can be available via endorsement/scheduling/separate policy.

Animals/Pets – live animals are not covered on a home insurance policy. You can purchase an Animal Mortality policy (for farm animals),  or pet health insurance to cover injuries/ailments regarding your animals.

Faulty Workmanship/Inherent Defect – for example if a contractor wires a house incorrectly or fails to proper drainage, or a design flaw causes a loss to occur to the home there would be no coverage. You would have to go after the contractor/manufacturer/architect.

Mold – mold is a hot button issue these days. While most home policies have coverage for mold – it is limited in coverage/cause. $10,000 is the standard coverage limitation and only for covered water losses that have been properly repaired. It does not cover mold issues resulting from non-covered losses.

Earth Movement – this can include mudslides, volcanic eruptions, earthquakes, shock waves resulting from volcanic eruptions/earthquakes, & sinkholes. Coverage can often be purchased for these perils, but only prior to the event and there may be exclusion zones where coverage cannot be purchased due to the likelihood of loss.

 

Contact Us!

At M. Vander Plow Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 616-396-1497 or send us a note at marsiljeins@gmail.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Categories: Uncategorized

Wedding Proposal Tips

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Wedding Proposal Tips

According to some sources, 6 million people will get engaged on Valentine’s Day. That’s a lot of lives that will be changed in the span of just a few minutes. We shared some tips from Martha Stewart of do’s and don’ts when it comes to proposing to that special someone:

 

  • Make it Meaningful. Think of places you went with your significant other, songs you shared, a special restaurant or meal. Be sentimental.
  • Public or Private? You need to gauge whether or not your intended will accept your proposal to decide whether or not a public proposal is right for you. Of course your intended loves spending time alone with you, so that’s always a safe bet.
  • Is it Legal? Before going all out with getting flocks of doves carrying handmade paper hearts that will flutter around your intended in the middle of Times Square, make sure you have permissions and permits (if needed) at the location you choose.
  • Know Where They are Coming From. If you’re planning on a Tuesday to surprise your intended – check their schedule and see how their day is going. Their mood may depending on how their day is going/has gone. Proposing to someone after they’ve had a bad or tiring day isn’t the most romantic.
  • Freestyle it. Don’t prepare a script or speech beforehand. Take some ideas of what you want to say and just let the words flow. Sometimes the most romantic things said are in only a few words…

 

Of course you need to schedule that engagement ring on your homeowners/renters/condo/mobile home policy! Be sure to check out all the tips on preparing a great wedding proposal from Martha Stewart!

 

Contact Us!

At M. Vander Plow Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 616-396-1497 or send us a note at marsiljeins@gmail.com. We want to help you meet your goals, and make sure what’s important to you is protected!

 

Categories: Uncategorized

Winter Weather Advisory, Watch, & Warning

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(photo courtesy of Stockvault.net)

 

Winter Weather Advisory, Watch, & Warning

 

Most of the country survived “Polar Vortex 2019” last week that brought below zero temperatures to areas of the country that rarely see such temperatures. Besides the state of emergency declared in several states, the National Weather Service has issued various warnings in regards to weather conditions. Today we spoke about the differences between an advisory, a watch, & a warning. You can get more information from the National Weather Services website about other weather-related warnings as well!

 

Winter Weather Advisory

– Issued for any amount of freezing rain, or when 2 – 4 inches of snow (alone or in addition to sleet/freezing rain) is expected to cause a significant inconvenience but not serious enough for a warning.

– Each state county has additional criteria that may require a Winter Weather Advisory, usually if it is going to impact rush hour traffic.

 

Winter Storm Watch

  • Issued when a potential for significant/hazardous winter weather within 48 hours. This indicates a “possibility” for hazardous conditions, not that there is a certainty.
  • 5 inches or more of snow/sleet within 12 hours or 7 inches or more of snow/sleet within 24 hours
  • Life-threatening conditions with wind/snow/sleet or enough ice to cause damage to trees/power lines
  • Each state county has additional criteria that may require a Winter Storm Watch, usually if it is going to seriously impact rush hour traffic.

 

Winter Storm Warning

  • Issued when a significant combination of hazardous weather is occurring/imminent
  • Same criteria as a Winter Weather Watch
  • Each state county has additional criteria that may require a Winter Storm Warning, usually if it is going to impact rush hour traffic.

 

We encourage you to check out the National Weather Service’s definitions page for more information on the various weather advisories/warnings/watches criteria!

 

Contact Us!

At M. Vander Plow Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 616-396-1497 or send us a note at marsiljeins@gmail.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Categories: Uncategorized