The cleanup and phone calls continue:  Do we have coverage for damage done by Hurricane Sandy?

The short answer is: yes.

You have coverage done to your home by wind driven winds, rain, and falling objects.

The longer answer is: coverage is subject to your policy’s deductible.

Some policy’s have special wind & hurricane deductibles which can be 1%, 2%, 5% or up to 10% of your Coverage A, Dwelling, amount.

For tree removal, typically, there is coverage only when the tree hits a covered item, such as your house, or other structure.

Some companies have special endorsements which allow some, limited tree removal coverage.

If your auto insurance includes comprehensive coverage, then your auto has coverage for any damage done to it, besides collisions (for this you have collision coverage), including damage done to your vehicle by a hurricane.

To review your coverage, call or give us a click.

 

Summer is over and as fall sets in, we’re reminded of the dreaded insurance peril: Frozen Pipes!

Frozen pipes can lead to disasterous messes and expensive insurance losses.

Here are a couple of ideas to help prevent frozen pipes from happening to you: 

• Keep the house heated to a minimum of 65 degrees. The temperature inside the walls where the pipes are located is substantially colder than the walls themselves. A temperature lower than 65 degrees will not keep the pipes inside the walls from freezing.
• Open hot & cold faucets enough to let them drip slowly. Keeping water moving within the pipes will prevent freezing.

For Choosing Johnson & Rohan Insurance 

• #10. We will save you money!
• #9. Low or no down payment!
• #8. As brokers, we work on your side when you have a loss!
• #7. Strong referrals from existing customers!
• #6. Family owned, 50+ years experience!
• #5. We will improve your coverage!
• #4. 24 hour a day, 7 days a week auto claim service!
• #3. Prompt, courteous service!
• #2. Free Registry of Motor Vehicles Service!
• #1. We make house calls!

 Johnson & Rohan Insurance: A Good Place To Do Business!

Johnson & Rohan Insurance wants families to stay safe on Halloween.

Here are some tips to keep kids safe: 

• Avoid masks that obstruct vision, particularly the periphery.  Face paint or make-up is a better option than restrictive masks.  
• Use hypo-allergenic make-up. Make up runs, so bring a cloth when trick-or-treating to wipe any make-up that gets near the eye.
• Carry a flashlight at all times.  Once the sun goes down, keep it on.
• Don’t use any sharp props with a costume.
• Use reflective tape.  It helps others see trick-or-treaters.
• Be careful of candles used in pumpkins or other decorations.

Happy Halloween from your friends at Johnson & Rohan Insurance.

Fall in New England can be a mesmerizing time of of year. However, after the leaves’ colors have burst, we are left with raking and gutter cleaning.

With this in mind, we offer the following OSHA ladder safety tips:

Ladder Setup

1. Place ladder feet firmly and evenly on the ground or floor. Make sure the ladder is sitting straight and secure before climbing it. If one foot sits in a low spot, build up the surface with firm material.
2. Do not try to make a ladder reach farther by setting it on boxes, barrels, bricks, blocks or other unstable bases.
3. Do not allow ladders to lean sideways. Level them before using.
4. Brace the foot of the ladder with stakes or place stout boards against the feet if there is any danger of slipping.
5. Never set up or use a ladder in a high wind, especially a lightweight metal or fiberglass type. Wait until the air is calm enough to insure safety.
6. Never set up a ladder in front of a door unless the door is locked or a guard is posted.
7. Do not use ladders on ice or snow unless absolutely necessary. If they must be used on ice or snow, use spike or spur-type safety shoes on the ladder feet and be sure they are gripping properly before climbing.
8. Use Safety shoes on ladder feet whenever there is any possibility of slipping.

Ladder Climbing and Standing

1. Keep the steps and rungs of ladders free of grease, oil, wet paint, mud, snow, ice, paper and other slippery materials. Also clean such debris off your shoes before climbing a ladder.
2. Always face a ladder when climbing up or down. Use both hands and maintain a secure grip on the rails or rungs.
3. Never carry heavy or bulky loads up a ladder. Climb up yourself first, and then pull up the material with a rope.
4. Climb and stand on a ladder with your feet in the center of the steps or rungs.
5. Do not overreach from a ladder, or lean too far to one side. Overreaching is probably the most common cause of falls from ladders. A good rule is to always keep your belt buckle inside the rails of a ladder. Work as far as you can reach comfortably and safely, then move the ladder to a new position.
6. Never climb onto a ladder from the side, from above the top or from one ladder to another.
7. Never slide down a ladder.

It makes sense to protect what you value. You insure your car, your home, and your valuables. What about you and your family? Without life insurance, you leave your family open to risk. If you have a policy in place perhaps you should think about replacing or adding another. You should review your life insurance every time a major change happens in your life – a marriage, birth of a child, purchase of a house, or starting a business. Fortunately, life insurance can be surprisingly easy and affordable. It’s cliché but “life insurance isn’t for the people who die. It’s for the people who live.” We have the most competitive markets for life insurance in the state including rates from SBLI and Banner Life along with many other companies. Please give us a call if you would like to get rates or discuss.

The Coverage A, Dwelling, on your home insurance policy should represent the Replacement Cost, or pure construction cost, of your home.

This is the amount of money that it would take to rebuild if you were to suffer a total loss. Land, driveway & foundation costs should not be considered.

This amount is usually very different than your home’s market value. If you have had any renovations, improvements or additions done to your home you should have us increase your Dwelling amount.

Please call us if you would like to review your home’s Coverage A, Dwelling, amount.

Before going on a long, relaxing vacation there are many things to think about including: airline tickets, hotel reservations, and car rentals.

What about your MA auto insurance?

If you have your own MA personal auto insurance policy then your coverage will follow you in the United States, U.S. Territories, Puerto Rico, and Canada.

Your coverage will NOT  follow you if you decide to go to Bermuda, Europe, Mexico or any other fabulous international destination.

The MA Coverage that follows you includes: Part 5, Bodily Injury to Others; Parts 3 & 12, Uninsured and Underinsured Motorist Coverage, your Collision and Comprehensive Coverage (including your deductible, if at fault).

Give us a call to discuss your coverage, or if travelling to Canada, so we can provide you a proof of liability insurance Canada Card.