Ice Dam Prevention Tips

Claims are no fun. One of the most common and repetitive causes of property damage to building interiors is water damage resulting from the formation of ice dams on roofs. Following please find some ice dam prevention tips:

Ice Dam Prevention Tips

Claims are no fun.

One of the most common and repetitive causes of property damage to building interiors is water damage resulting from the formation of ice dams on roofs. An ice dam is a ridge of ice that forms at the edge of a roof and prevents the water produced by melting snow from draining off the roof. The water that backs up behind the dam can leak into a home causing damage to walls, ceilings, and insulation.

While ice dams can develop as a result of multiple factors, the most fundamental causes are:

  • Heat leakage from the interior of the building into attic or loft areas that warms the middle and upper areas of roof decks (see causes of heat leakage below).
  • Snow accumulation on the roof surface which provides the potential for snow melt and re-freezing in the form of an ice dam. This problem can be amplified by lower pitched roofs.
  • Sustained exterior temperatures below 32 degrees which creates conditions under which snow melt water will re-freeze at the eave level of the roof.

Heat leakage can result from any number of factors common to residential properties:

  • An insufficient layer of insulation in the ceiling assembly below the attic or loft area as well as uninsulated or poorly insulated exterior walls.
  • Impoperly insultated recessed ceiling lighting fixtures.
  • Improperly sealed and insulated ventilation fans, heating and air conditioning ducts and plumbing vent stacks.

Strategies for avoiding water damage from ice dams take two forms; those that are intended to prevent the formation of ice dams and those that are designed to provide a reliable means for roof surface snow melt water to drain off the roof to prevent water accumulation behind the ice dam.

Prevent the Formation of Ice Dams

  • Provide soffit and ridge ventilation to create and sustain a flow of cold air along the bottom surface of the roof deck.
  • Increase the thickness of insulation in the ceiiling assembly below the attic or loft area.

Blizzard of 2015

If you are reporting a claim during off hours you can do so directly, 24 hours per day/ 7 days per week. Have your policy number ready and call …

Blizzard 2015

Here in Massachusetts, the Blizzard of 2015 is bearing down us.The National Weather Service has advised:

A crippling and potentially historic Blizzard will impact the area mainly from late today (January 26th) into Tuesday, lingering into early Wednesday (January 28th).

Blizzard Warning remains in effect from 7 pm this evening to 1 am EST Wednesday.

  • Locations: eastern and southeastern Massachusetts as well as all of Rhode Island.
  • Hazard types: Heavy snow, strong winds and blizzard conditions. Considerable blowing and drifting snow. Strong to damaging winds.
  • Accumulations: snow accumulations of around 20 to 30 inches. With locally higher amounts. Snowfall rates of 2 to 4 inches an hour at times.
  • Timing: while the storm is expected to begin late today and linger into early Wednesday, the worst of the storm will be tonight through Tuesday afternoon.
  • Impacts: Heavy snow and strong winds will result in White-out / blizzard conditions with near zero visibility. Travel will be impossible and life threatening across the entire region. Also snow may be wet enough to result in downed tree limbs and power outages in addition to the winds.
  • Winds: North-northeast 15 to 25 mph with gusts around 65 to 75 mph. The height of the winds will be late tonight into Tuesday.
  • Visibilities: one quarter mile or less at times.

A Blizzard Warning is issued when sustained winds or frequent gusts over 35 mph are expected with considerable falling and/or blowing and drifting snow. Visibilities will become poor with Whiteout conditions at times. Those venturing outdoors may become lost or disoriented, so persons in the warning area are advised to stay indoors.

All unnecessary travel is discouraged beginning Monday afternoon. To allow people already on the road to safely reach their destination before the heavy snow begins, and to allow snow removal equipment to begin to clear roads.

Storm Safety Tips:

  • Check your supplies.
  • Make sure you have a snow shovel and ice melt to keep walkways clear and safe.
  • Check that you have sufficient heating fuel for your home and fuel for your generator, if you have one.
  • If you will be using a fireplace or wood-burning stove, you should have a good supply of dry, seasoned wood.
  • Have warm clothing and blankets on hand and stock non-perishable food items and necessary medications to last you and your family several days.
  • Get ready for a power outage. Turn your heat up now and close off any rooms that are not in use.
  • Check pipe insulation and allow water to run at a trickle to prevent pipes from freezing.
  • Charge your battery-powered electronic and communications devices.
  • Get out your flashlights, batteries, first aid kit and other emergency supplies.
  • Don’t drive or go out unless absolutely necessary.
  • Test all of your smoke and carbon monoxide alarms to ensure they work properly.
  • Do not let candles burn unattended, and keep them away from combustibles.
  • Check on your elderly or disabled neighbors, friends and families.
  • Enjoy your family! Sometimes storms render the best family time memories.

Johnson & Rohan Insurance hopes everyone has a warm and safe Blizzard of ‘1

Available 24 hours per day/ 7 days per week!

If you are reporting a claim during off hours you can do so directly, have your policy number ready and call:

Premier/Travelers: 1-800-252-4633
Safety Insurance: 1-800-951-2100
Vermont Mutual: 1-800-435-0397
MPIUA: 1-800-392-6108

Otherwise if you would like to report a claim to our Agency, what kind of claim are you reporting?

Auto Claim Commercial Claim
Home Claim Other Claim

Safe Driving Tips

Safe Driving at all times is the best way to keep yourself and those around you safe on the road …

Safe Driving Tips

Safe Driving at all times is the best way to keep yourself and those around you safe on the road. In addition, having a perfect driving record can help you keep your insurance premiums low.

Johnson & Rohan Insurance offers the following Safe Driving Tips:

  • Do not talk on your cell phone while driving.
  • Do not text and drive.
  • Always turn on your headlights.
  • Obey the posted speed limit.
  • Stay focused on the road and minimize distractions.
  • Inexperienced drivers should keep passengers to a minimum.
  • Keep your vehicle in good condition.
  • Keep a safe distance behind other vehicles.
  • Be alert for other drivers who are tailgating, signaling inconsistently, turning abruptly, swerving and speeding.
  • Don’t be an aggressive driver.
  • Be aware of your surroundings and potentially dangerous situations.
  • Stay focused on driving and avoid distractions.
  • Never make assumptions about other drivers’ intentions.
  • Use your directional signals when you are going to turn, stop or change lanes.
  • Always try to brake smoothly and gradually; do not slam on your brakes.
  • Keep pace with the traffic around you.
  • Be on the lookout for animals at dusk and at dawn when they are most active.
  • Always adjust your speed for conditions, even if those around you do not.

A Special Note About Texting and Driving …

Texting and driving is perhaps the most dangerous form of distracted driving. Texting while driving places teens and adults alike—and others on the road with them—in serious danger. In fact, according to the National Highway Traffic Safety Administration, driver distraction causes 18% of all fatal auto crashes, and text messaging creates a crash risk 23 times worse than driving while not distracted.

Please feel free to forward these Safe Driver Tips to a friend.

What to do if your car is vandalized

Dealing with the aftermath of vandalism isn’t fun, so it pays to be prepared. At Johnson & Rohan Insurance we will review your insurance coverage before you have a loss …

MA Comprehensive Auto Insurance Coverage Part 9 MA Auto Policy

We hope you’re not reading this several days after your car has been vandalized, because that could hinder your auto insurance claim.

In order to qualify for insurance coverage for the vandalism, you must have comprehensive coverage on your auto policy, since it is that portion of the policy that covers claims for incidents that don’t involve collisions.

What to do if your car is vandalized:

  • Call the police. Vandalism is a crime, and you need to treat it as such. Your insurance company needs to know that an official record has been filed so it can make the payment based on what happened. Ideally, you could have the officers meet you right after you’ve found your car vandalized. If you can’t do it immediately, do so within 24 hours.
  • Keep your hands away from the damaged area. The police need to see your vehicle just as you found it so they can gather the evidence needed to make an arrest and provide prosecutors what they need to make a case. Okay, it’s not exactly like a CSI team is going to swoop down from helicopters, DNA kits in hand, to catch the perp. But suppose 14 other cars in the neighborhood have had similar damage in the past month. Yours might provide the crucial information necessary to end the crime spree.
  • Take photos. If you’ve got a cell phone with a camera with you or a camera itself, take plenty of shots to document the damage. If the police say they’re too busy to check out your vandalized car, at least you have some evidence of your own for the insurance company to support your claim.
  • Prevent further damage to the car. Once the police have done their inspection or you have documented all the damage, you will need to take some measures to keep your car from suffering more damage. Say someone broke a window in your car and the forecast calls for heavy rain. Put some temporary protection on the broken window area so your interior stays dry. Otherwise, expect to pay out of your own pocket to replace that waterlogged, moldy carpet.
  • Report the incident to your insurance company. Do this as quickly as possible. In fact, it likely is a requirement of your policy that you report promptly. The insurance company needs to verify the incident and the more time that passes, the harder it is for them to do so.

Prevent Future Vandalism

While you can’t eliminate the threat of vandalism, you can reduce its likelihood. Ideally, you’d park your car in a closed and locked area. Short of that, you should try to park in an area that is well-lit and open. You can also buy a car cover if you expect your car to be a tempting target where you live. Remember to: lock doors, roll up windows, and don’t leave anything of value in a visible place.

Johnson & Rohan Insurance Is Here for You

Dealing with the aftermath of vandalism isn’t fun, so it pays to be prepared. At Johnson & Rohan Insurance we will review your insurance coverage before you have a loss.

Call us at: 781-224-0909.

Location and Car Insurance Rates

Where you live has a significant effect on how much you pay for car insurance. The insurance companies have information that shows residents living in one area are more likely to file claims that those living elsewhere …

MA Auto Insurance Rates

Where you live has a significant effect on how much you pay for car insurance. The insurance companies have information that shows residents living in one area are more likely to file claims that those living elsewhere.

The types of claims made fall into two categories: claims arising from an accident and claims stemming from theft or vandalism of your car. Generally speaking, the insurance companies calculate the likelihood that you’ll have an accident based on the state or county you live in.

They’ll predict the likelihood of your car being stolen or vandalized based on the city or neighborhood you live in.

It’s easy to see why. You get in accidents when your car is moving, and it likely covers several miles a day and encounters other cars that themselves have traveled miles. So the probability of an accident depends on what’s happening on all those roads you’re traveling.

But your car is stolen or vandalized while it’s parked. So the spot you park it regularly – near your home or workplace — is what’s most important.

Sometimes you’ll hear people say that you’ll pay higher auto insurance rates if you live in a city than if you live in a rural area, but it’s not that simple.

It’s true that the states with the lowest average auto insurance rates* – Vermont, South Carolina and Maine – are predominantly rural with few large urban areas. But two of the states with the highest rate – Oklahoma and Montana – are mainly rural. (Michigan residents pay the highest in the country.)

What causes high insurance rates in rural areas?

Wide-open spaces, a small population – Montana seems an unlikely state to have high insurance premiums. What gives?

It’s not the famous no-speed-limit highways that the state once had. Rather, it’s because residents in Montana, like those in many rural states, travel long distances as part of their daily routine. More time behind the wheel means more likelihood of an accident.

Rates are pushed up in many states by high percentages of uninsured motorists. Mississippi, for example, is the nation’s poorest state and has the highest percentage of uninsured motorists. That means fewer people proportionately have insurance. To cover the expenses associated with an accident, insurance companies have to charge higher premiums.

In addition, some rural areas have treacherous roadways or a relatively high percentage of drunk drivers, leading to more wrecks. And in Oklahoma’s case, blame it on the weather. Frequent hail storms leave cars full of dents, and their owners turn to insurance companies to cover the damage.

The city life: Should you move?

You likely won’t move to another state to save on auto insurance, but within your city you actually have some ability to affect your rates. If your neighborhood gets regular visits from guys carrying tools to pry open locked car doors, you’re probably paying more than you would if you lived in a quiet, suburban neighborhood.

If you don’t want to leave your theft-prone neighborhood but are parking on the street, you could drop your rates slightly by parking in a locked garage. And finally, if your car has theft-deterrent equipment, you may save a small percentage on your premiums.

Of course, location is only part of what determines car insurance costs, and insurance companies differ in how they weigh all the factors.

To ensure you’re getting the best possible deal on your rates, no matter where you live in Massachusetts, contact Johnson & Rohan Insurance.

 

Happy Holidays & Happy New Year

The Holidays and New Year bring us reason to pause, reflect, and give thanks to the wonderful year that was 2014 …

Happy Holidays!

The Holidays and New Year bring us reason to pause, reflect, and give thanks to the wonderful year that was 2014.

In 2014 Johnson & Rohan Insurance picked up additional A rated commercial & personal lines companies. We continue to expand our markets to ensure our clients get the most competitive rates in the industry.

In 2014 Johnson & Rohan Insurance expanded our client base and had the most profitable year in our twenty + year history.

In 2014 Johnson & Rohan Insurance invested in a new, state-of-the-art Agency Management System which enables us to continue to serve clients with speed and accuracy.

In 2014 Johnson & Rohan Insurance expanded our web and social media presence. We updated our website and established facebook and twitter accounts.

From our family to your family:

We wish you the very best happy, healthy & hopeful 2015!

Holiday Office Hours:

On Christmas Eve, 12/24/2014 our office will be open from 9:00 am — 1:00 pm.

We will be closed on Christmas Day, re-opening Monday, December 29th.

Available 24 hours per day/ 7 days per week!

If you are reporting a claim during off hours you can do so directly, have your policy number ready and call:

Premier/Travelers: 1-877-425-2466
Safety Insurance: 866-906-5016
Vermont Mutual: 1-800-435-0397
MPIUA: 1-800-392-6108

Otherwise if you would like to report a claim to our Agency, what kind of claim are you reporting?

Auto Claim Commercial Claim
Home Claim Other Claim

 

 

Cell Phones & Driving

Studies by the National Highway Traffic Safety Administration (NHTSA) found that more than 25 percent of all police-reported vehicular accidents are caused by the use of cell phones while driving …

Lynnfield, MA Insurance

For many Americans, especially those under 40, using a cell phone while driving seems perfectly normal. And when you consider that there are over 236 million cell-phone users, that’s a lot of them on the road. But is it safe? The numbers say no.

Studies by the National Highway Traffic Safety Administration (NHTSA) found that more than 25 percent of all police-reported vehicular accidents are caused by the use of cell phones while driving. (And, of course, thousands of other accidents go unreported.) Car insurance companies are keenly aware of the hazards.

The problem? A phone-using driver is a distracted driver. Though many maintain that “multi-tasking” has no effect on concentration, tests have repeatedly proven this false. According to University of a Utah study, for example, a young person on the phone has about the same reaction speed as someone 70+ years old. Other research and highway law enforcement observation commonly compare drive-and-chat performance to drunk driving. Excessive slowness, inattentiveness to traffic conditions, and lane-to-lane weaving are all dead giveaways.

The consequences, too, are predictably similar. Phone-distracted motorists hit more potholes, miss more warning signs, and generally fail more often to process their surroundings than do alert, fully focused drivers. The problem is most serious when pedestrians are involved. By law, a car must yield the right of way to all pedestrians at all times, but when a driver’s attention is diverted, this rule is one of the first to be forgotten.

No Hands? No Difference!

Many cell-phone users are convinced that hands-free devices remove the dangers of distracted driving. Not so. It isn’t the phone that causes mishaps, it’s the conversation itself. Just listening and processing information takes attention off the road. And if it’s something really important – a pivotal business discussion, bad news from home, or a heated argument – there’s likely to be little attention left for safe, sensible driving.

It isn’t surprising then that cell-phone calls are banned entirely from more than a dozen major nations, including Japan, Australia, Chile, Great Britain, and Spain.

Yet, Americans cling to their anything-goes attitude. Few states have outlawed cell phones completely, and of those that do, penalties are relatively light. In many places, a patrol car can pull over a driver for using a cell phone only if a more serious infraction is taking place, so the law is essentially meaningless.

What’s more, car makers are adding to the problem, installing voice-activated “intercom”-style phone systems as built-in equipment. These motorists may not have to worry about fumbling through pockets for a ringing phone, or dropping the phone in the middle of a conversation. But the distraction is still there, as long as someone’s on the line.

Texting while Driving

62 percent of high-school students admit to texting while driving, according to a survey by Students Against Drunk Driving and Liberty Mutual Insurance. Of these young texters, one in four believed there’s nothing unsafe about it …

Texting

62 percent of high-school students admit to texting while driving, according to a survey by Students Against Drunk Driving and Liberty Mutual Insurance. Of these young texters, one in four believed there’s nothing unsafe about it.

On the other hand, the National Highway Traffic Safety Administration (NHTSA) blames the use of cell phones at the wheel for some 1,000 fatalities and 240,000 nonfatal accidents every year. That’s about 25 percent of all crashes. Add to this the facts that most young people think they can easily “multi-task” and they think they’re immortal anyway, and you’ve got a big problem.

Cell Phones Are a Major Distraction

Safety studies by NHTSA, the University of Utah, and other researchers show that cell-phone use alone – just talking – is a major distraction for most motorists. It takes away the driver’s concentration. It slows reaction time. It impedes both-hands-on-wheel control of the vehicle. As highway-patrol officers have frequently confirmed, it reduces performance to the level of driving drunk.

What’s more, it’s not just the equipment’s fault. Hands-free cell-phone use is no safer. The real culprit is the conversation itself, especially when it involves decision making or emotional upset. There is simply no way a caller can adequately do the complex work of driving – scanning the road, monitoring traffic movements, reading road signs, adjusting speed, following distance, and other variables – while on a call.

Texting multiplies these deficits and adds a few more.

Thumbs Down, Say Lawmakers

States lawmakers are cracking down. Texting is now outlawed in 34 states and the District of Columbia. Law enforce

  • Inputting, like any kind of writing, requires more concentration that just speaking.
  • Most texters need to keep glancing at the phone’s keyboard and disregarding the road.
  • Reading an incoming text message can be even more problematic, as the driver squints at the tiny screen, then scrolls to follow longer messages.
  • Should the car hit a bump, the phone could fly out of the user’s hand. What then?

A study by the Federal Motor Carrier Safety Administration has found that while texting, 4.6 of every 6 seconds are spent looking at the phone instead of the road. At 55 mph, that’s equivalent to driving the length of a football field blindfolded. So deciding whether to retrieve a dropped phone could literally be a matter of life or death.ment officers can attest to the need, reporting that texters are easy to spot on the road since they are inattentive, swerve between lanes and drive slowly.

Other counter-measures to on-road texting are also taking hold. The Occupational Health and Safety Administration (OSHA), has petitioned President Obama for tougher laws. Why OSHA, the occupational agency? Because much of America’s workforce is on the road daily, delivering goods and services or conducting other business activities.

In response, the President instituted the Executive Order on Federal Leadership on Reducing Text Messaging While Driving in 2009. It prohibits texting by all federal employees during official business trips.

The courts and insurers are likewise adjusting to the spread of the texting habit. Phone-related accidents and injuries, whether caused by talking or texting, are seen as forms of driver negligence, in some cases on a par with DWI (“driving while impaired”) offenses. Increasingly, victims of such crimes are eligible to receive compensation for their losses.

Safety statistics, here and abroad, make it clear that texting and talking, whether hands-on or hands-free, make cell-phone use a major threat to public safety. But in the age of hand-held electronics, will the trend-setting Uncle Sam follow the lead of Great Britain, Japan, Chile, and more than a dozen other nations in banning these practices? The question remains open.

Call Johnson & Rohan Insurance Today

We have been doing business in Lynnfield, Massachusetts for over 20 years, so very little surprises us, including what people do while driving. Don’t hesitate to contact Johnson & Rohan Insurance for ways to instill good driving habits in your family or to discuss your insurance needs.

Home heating tips to save money:

With oil and natural gas prices heating up, we offer some tips to save you money …

Home heating tips

With oil and natural gas prices heating up, we offer the following tips to save you money.

Maximize Efficiency:
Check your heating system before you turn it on for the winter. Keeping your furnace clean, lubricated, and properly adjusted can save about 5 percent on your heating bill.

Consider replacing an old furnace. Today’s furnaces are about 25 percent more efficient than they were in the 1980s.

Minimize Heat Loss:
Seal up the leaks. Sealing and insulating duct systems can cut heating costs by as much as 40 percent.

Add insulation to your home’s attic. Even if your attic floor already has a couple of inches of insulation, another six inches can help.

Wrap an insulation blanket around your hot water pipes and tank. This is especially valuable for older water heaters and can save up to 10 percent on water-heating costs.

Don’t use an open-hearth fireplace for heat. The heated air that’s drawn from your home and up the chimney offsets almost all the warmth that a fire provides.

Keep your fireplace damper closed when you don’t have a fire burning. This will prevent up to 8 percent of your furnace-heated air from going up the chimney home for free.

Conserve Heat:
Turn down the thermostat a little. For every two degrees you lower the thermostat, you’ll save about 4 percent on heating bills. Consider a programmable thermostat. One of these can help you cut heating costs as much as 20%.

Reduce hot water temperature. Save 7 to 11 percent of water-heating costs by keeping your water heater at the “normal” setting or 120º.

Shorten showers. Showers account for two-thirds of your water-heating costs, so even shaving off a few minutes can help.

Happy Thanksgiving

A special greeting of
Thanksgiving to express
to you our appreciation
for your confidence and loyalty.
We are thankful for our clients
and wish you a happy and healthy
Thanksgiving Day.

Happy Thanksgiving

A special greeting of
Thanksgiving to express
to you our appreciation
for your confidence and loyalty.
We are thankful for our clients
and wish you a happy and healthy
Thanksgiving Day.

 

Johnson & Rohan Insurance will be closed on Thanksgiving Day and Friday 11/28/2014.

We will be open on Saturday, November 29th from 9:00 am – 12:00 noon.

Otherwise our regular office hours are Monday – Friday 9:00 am – 5:00 pm and Saturdays 9:00 am – 12:00 noon.

Always available by appointment.

Claim reporting is available 24 hours per day/ 7 days per week. If you want to report a claim during off hours, have your policy number ready and call:

Premier/ Travelers:     1-877-425-2466

Safety Insurance:    1-866-906-5016

Vermont Mutual:      1-800-435-0397

MPIUA:      1-800-392-6108

You can also report online:

Auto Claim Commercial Claim
Home Claim Other Claim
Johnson & Rohan