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A Quarterly Newsletter
Fall
It won't be long before we
hear the familiar sounds of home heating systems kicking
in and the cold winds howling. Some of us are fortunate enough
to head to warmer climates while others will attempt to battle
the elements of another New England winter. We would like
to offer the following tips to all of our wonderful
customers.
On an extremely cold day!
- Maintain higher than normal temperatures
(3-5 degrees).
- Turn on your faucets and let the water
trickle constantly.
- Open cabinet doors under the sinks.
This will allow the heat to warm the pipes.
- Insulate pipes-Insulation goes a long
way toward preventing freeze-ups.
- Your exterior faucets used for your
garden hoses should be shut off from inside your basement
and left open (even if you have freeze-proof sill cocks).
If the house has forced hot
water and may be unoccupied at times during the winter months...
- Set the thermostat no lower than 65
degrees. Install a low heat alarm.
- Shut off the water at the water meter.
- Have a plumber install a low water cut
off switch on forced hot water boilers.
- Heat tape the water meter and water
service, unless the water meter is plastic, If plastic
heat the meter and service area.
- Leave all faucets open.
If heated by oil, install
a low oil alarm...
Have the house checked once a week, and even more frequently
in extremely cold periods.
If your house is not occupied
during the winter months….
- Have the water service shut off in the
street and remove the meter.
- Drain all domestic water lines, leave
faucets and drain valves open.
- Drain all heating lines and leave all
drains open.
- Drain boilers and hot water heaters,
and leave drain valves open.
- Drain plumbing fixtures and add antifreeze
to all traps.
- Shut off gas service at meter.
- Have house checked at least weekly,
and even more frequently in extremely cold periods.
Remember !
Frozen pipes aren't just
an inconvenience. Families have their homes ruined and their
lives disrupted each winter all because of water pipes that
freeze.
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Ignorance is no excuse for
the law nor is it for Nursing Home Care when you or a parent
needs a nursing facility and are unprepared to pay the price.
If you are like most people
you believe that those terrible things that happen to other
people won't happen to you. You also believe that you are
not like most people, but consider these statistics from several
U. S. Health Bureaus.
- Half of the people over age 65 will
spend some time in a long-term care facility.
- Half of those entering nursing homes
stay 3 months or less, however one in 10 people stay for
more than 3 years.
- The average cost is between $40,000
and $80,000 per year, with the best ones costing twice
that.
- 70% of single elderly people in nursing
homes find their assets depleted after only 3 months.
Most of us would not be willing to go to Foxwoods and
bet our life savings, homes or paychecks, but the odds
of winning and losing are very close to the odds of us
losing those very same assets to the cost of Nursing Home
Care.
The following chart lists
the action you should be taking now if you are healthy.
However, even if you are not in great health our associates
may still be able to help you. Please give us a call for a
free analysis of your future needs to protect your financial
assets.
— Click
Here to View the Chart —
Insurance can be purchased
at very low rates to protect these assets especially now if
you are healthy. Don't wait time is flying by…
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If you
are NOT EXEMPT from the law, here are the steps you need to
take to comply with the law:
- Attend a three hour lead Hazard Awareness
class before November 1, 2005.
- Visually assess your rental property for
lead hazards.
- Fix lead hazards on your property.
- Upon tenant turnover after November 1,
2005 get an independent clearance inspection of the unit.
- Give tenants information about lead hazards
and a copy of the inspection report.
- Respond to tenant concerns regarding lead
hazard in the unit.
- Perform ongoing maintenance using lead
safe work practices learned in the three hour Hazard Awareness
Class.
Lead Paint Liability Insurance is available
either through your current carrier or through the Rhode Island
Joint Reinsurance Association. Contact our office. We will
be happy to answer your questions and offer you a quotation.
Effective
November 1, 2005, coverage for bodily injury arising out of
lead poisoning may be excluded on the homeowners, dwelling
liability and commercial general liability policies.
RIJRA will offer lead liability
polices.
Contact AIM to review your
options.
 Many of you know our Personal Lines Manager, Susan Gonsalves. Susan began her career 25 years ago with the Conroy-Daly Insurance Agency as a Customer Service Representative.
In 1998 Conroy-Daly merged
with Affiliated Insurance Managers, and Susan was selected
to manage the Personal Lines Department. She enjoys her
primary function (most) of servicing many of our personal
lines accounts. Susan is also responsible for developing solutions
for her Department with our vendors and carriers to promote
competitive pricing and quality service.
Susan is a licensed professional
who has also earned her Accredited Customer Service Representative
(ACSR) designation.
Susan resides in Cranston
with her husband Ron, two children, Bridget and Ronnie, and
pets Diamond, Scrappy and Maxine.
We invite you to call Susan
and wish her a Happy Anniversary. We are very proud of this
loyal and dedicated employee.
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Just turn on the evening
news to find out how unpredictable the weather can be.
Our last newsletter focused
on Flood Insurance. You know damages from floods are not covered
under most property insurance policies.
You don't have to live near
water to benefit from flood insurance. Insurance covers related
damage if it is the direct result of flooding. Included is
damage from surface water, flood-induced mud slides, sewer
backups and flood water seepage. It also covers winter
flood waters and water-driven ice. (subject to policy terms)
Did
you know Flood waters are far more likely to damage your property
than a fire?
Find out how to protect your
property. Call us today for a quote for your specific needs.
We can't replace your memories, but we can help build new
ones.
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Affiliated Insurance Managers
200 Metro Center Blvd.
Warwick, RI 02886
Home, Auto and Business Insurance
We work with you & for you!
Affiliates:
Boulevard Insurance Center
Conroy-Daly Insurance Agency
The Cruff Agency
Kagan & Shawcross, Inc.
Rheinberger Agency
200 Metro Center Blvd,
Warwick, RI 02886
Phone: 401-352-3000
Fax: 401-352-0020
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