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Category: Personal Insurance
PROTECTING A HOME FROM MOLD
Reduce Humidity Level. It’s best to keep the humidity level between 30% and 60% by utilizing dehumidifiers and air conditioners. Be sure to place exhaust fans in all bathrooms and kitchens. If carpet is desired, avoid installing it in bathrooms or kitchens. It’s best to have carpet only in rooms that aren’t exposed to moisture on a regular basis. Another important thing to remember is to avoid letting water pool and collect under house plants.
Check & Replace Hoses. Be sure to regularly inspect pipes, fittings and hoses. It’s best to replace hoses to appliances that use water every five years. At about $5 or $10 per piece, the cost of replacing hoses is much less expensive than dealing with a major mold problem.
Use Mold-Reducing Products. Clean all bathrooms in the home with bleach and water regularly. There are also several other cleaning products available that are designed to kill mold. It’s a good idea to add mold inhibitors to paint before applying it to the walls or doors.
Exercise Caution after Water Damage. If at any time a large amount of water comes into contact with the home’s interior, it’s important to ensure that carpets, upholstery and any other surfaces that hold water are dried thoroughly and promptly. Everything should completely dry within 24 to 48 hours following the initial water contact. Items that can’t be dried should be discarded. If there is standing water, remove it promptly. In addition to promoting mold growth, standing water is a prime breeding ground for microorganisms. After all areas have been dried, wash and disinfect them well. This includes the surfaces of appliances, closets, walls, shelves, floors, heating systems and cooling systems.
Check the Roof & Gutters. Another way to prevent mold is to check the roof and gutters frequently. Clear the gutters of any debris. If there are any leaks in the roof, have them repaired immediately to avoid water seeping into the home.
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20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302
tel: 802-257-9500
email: ddboyd@campbell-boyd.com
Floods are the most Common Natural Disaster
The National Flood Insurance Program (NFIP) offers federally backed insurance to property owners and renters in communities that participate in the program, as well as increased state disaster assistance and access to federal mitigation grants that can be used to help prevent future damage.
In exchange, those municipalities agree to adopt and enforce floodplain ordinances that set standards for building or repairing structures in the floodplain to reduce the risk of damage from flooding.
Your Homeowners Insurance Policy DOES NOT cover Flooding. Contact us today to find out how we can help!
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20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302
tel: 802-257-9500
email: ddboyd@campbell-boyd.com
Your Vehicle Affects Your Premium
You might want a sports car or a fancy SUV, but your insurance company may charge you more to protect you while driving it.Insurance premiums are based partly on the price of the vehicle, which affects the replacement cost if it is stolen or “totaled” in an accident. How expensive the vehicle is to repair — including parts and labor — can also affect the cost.
In addition, surcharges may apply to vehicles that are frequently stolen or involved in accidents.
According to HLDI, the lowest injury claims are from large vehicles — cars, pickup trucks, and sport-utility vehicles. Small 2- and 4-door cars have the highest injury claims. Small cars also are among the highest in collision costs, along with sports cars.
If you have your heart set on a sporty vehicle, you’ll probably pay dearly. Insuring a high-performance car can easily cost two or three times the insurance amount for an ordinary model. Sport-utility vehicles often have higher Insurance rates than mid- and full-size cars, but some SUV models are relatively cheap to insure. They are among the most frequently stolen vehicles, and they are more expensive than most cars.
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20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302
tel: 802-257-9500
email: ddboyd@campbell-boyd.com
Auto Insurance Laws For Vermont
Before registering a vehicle, you must present proof of minimum liability coverage in the amount of $25,000 for death or injury of one person, $50,000 for death or injury of two or more persons, and $10,000 for property damage. Vermont drivers also have the option to provide evidence of self-insurance in the amount of $115,000.00, which must be filed with the commissioner of motor vehicles.All Vermont drivers must carry proof of insurance at all times. Failure to provide proof of coverage could result in tickets, you could be fined $100, and you will accumulate two points on your driving record. You will also have to file proof of financial responsibility with the Vermont Department of Motor Vehicles.
If you find you are not in ordinance with the Vermont Auto Insurance laws Campbell-Boyd Insurance can help you with that, and all of your auto insurance needs!
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20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302
tel: 802-257-9500
email: ddboyd@campbell-boyd.com
FILING A HOMEOWNERS CLAIM ?
Immediately report all crimes to the police. It’s important to notify the police of any vandalism, burglary or other crime. Homeowners should also obtain the names of any police officers involved in the report or investigation.
Make all necessary temporary repairs. Don’t shell out thousands of dollars for full repairs to a damaged property. It’s best to pay only for supplies to repair or sustain something temporarily.
Call an agent immediately. After calling the police for any crime-related issues, it’s important to call an insurance agent. If the nature of the claim doesn’t involve a crime, phone an agent immediately after discovering the issue that will become a claim.
List all damaged items. Don’t discard any items that are damaged before the insurance adjuster is able to survey them. Photographs and videotapes are also acceptable forms of proof in most cases.
Obtain the necessary claim forms. After receiving notification of a claim, an insurance company must send the proper forms to an individual within a specific time period. The best way to avoid delays is to ensure that the paperwork is filled out correctly.
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20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302
tel: 802-257-9500
email: ddboyd@campbell-boyd.com
Campbell & Boyd is a premier business insurance broker dedicated to finding you the right insurance for all your business’ needs. Whether it is group benefits or general liability, we are here to help. Our experienced staff of insurance professionals will walk you through the insurance buying process, so you can feel secure knowing your business is protected.
Contact us today for more information on business insurance.
20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302
tel: 802-257-9500
email: ddboyd@campbell-boyd.com
Preparing for the Big Shake, Get covered
Property risks have had a number of challenges during the past few years; however, one exposure that continues to present problems in this tight insurance market is earthquake. Many people feel there’s little they can do to mitigate earthquake risk. Not true! Basically, any Homeowner can take a risk management approach to an earthquake exposure by following these five steps:
1. Understand the risks — much work has been done recently to try to determine the probability of earth-quakes. The U.S. Geologic Survey website has a significant amount of data on information on earthquake probability estimates for most areas of the country.
2. Assess the acceptability of the risks — determine the economic loss associated with these risks.
3. Evaluate alternatives — review the alternatives to mitigate the risks. One of the most important alternatives will be adequate insurance.
4. Select the appropriate alternatives— since deductibles might be high, you might have to implement a loss mitigation strategy to reduce the severity potential.
5. Implement the chosen alternative(s) — purchase insurance as appropriate and coordinate physical changes with other management programs. Although insurance coverage for earthquake exposures has generally increased in cost, Cambell and Boyd can help you evaluate your alternatives.
20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302
tel: 802-257-9500
email: ddboyd@campbell-boyd.com
AUTO THEFT
KNOW THE FACTS TO HELP AVOID BEING A VICTIM OF AUTO THEFT
According to the FBI’s National Crime Information Center, one vehicle is stolen about every 25.5 seconds in the U.S., which amounts to a total of 1,235,226 stolen U.S. vehicles and upwards of 7.6 billion dollars in vehicle losses. Despite the tremendous expense involved when a car is stolen, many consumers still aren’t preparing in advance to handle the possibility of a vehicle theft. A number of common misconceptions have contributed to consumers adopting a defeatist attitude about vehicle theft. There are a number of vehicle owners that feel it’s all but impossible to prevent becoming a victim of vehicle theft, even when protective methods like anti-theft devices are used. This type of defeatist attitude can have serious and unnecessary consequences for vehicle owners.
The Wiser Drivers Wise Up project was started by the Council of Better Business Bureaus, the Insurance Information Institute, and The National Insurance Crime Bureau to dispel the defeatist attitude and teach drivers how to handle their vehicle being stolen. The program includes five auto theft myths that can actually leave a vehicle owner more vulnerable to having their vehicle stolen:
- Older vehicles aren’t targeted by thieves.
- The majority of vehicle thefts occur in unprotected areas.
- Anti-theft devices aren’t hard to install.
- The police usually find stolen vehicles.
- Insurance companies always provide victims of vehicle theft with a rental car.
In closing, vehicle owners shouldn’t make the costly mistake of assuming vehicle theft is an inevitable occurrence. It’s also advisable to do an annual review of your Personal Auto Insurance policy for mandatory coverages, needed coverages, and coverage features like rentals and roadside assistance.
Contact Campbell and Boyd Insurance Services, Inc to know more about Personal Auto Insurance.
20 Technology Dr, Ste 4
PO Box 1260
Brattleboro, VT 05302
tel: 802-257-9500
email: ddboyd@campbell-boyd.com
