Snow Shoveling Tips

snow shoveling tips

We were hoping we were done with winter blog posts but New England weather is not quite done with us. So, we offer our snow shoveling tips:

The Basics

Snow shoveling can be compared to weight lifting, and in some cases, the aerobic aspect of this activity is similar to a workout on a treadmill! To help your body function on demand, consider the following tips:

  • Be heart smart! Don’t eat or smoke before shoveling snow. Avoid caffeinated beverages. These are stimulants and may increase heart rate and cause blood vessels to constrict.
  • If you experience pain of any kind, stop immediately and seek assistance.
  • Pace yourself during shoveling activities. Take frequent breaks and drink plenty of water. Snow shoveling is strenuous work, and it is important to re-hydrate your body often.
  • If the ground is icy or slick, spread sand or salt over the area to help create foot traction. Be aware that some areas may be uneven and could cause you to slip, trip, or fall.
Dress for Success!
  • Consider the weather when choosing outerwear. Dress in layers. Wear clothing that is easy to move in.
  • Wear a hat—a great deal of body heat is lost through the head.
  • If it’s icy cold, consider breathing through a scarf, but don’t let it obstruct your view.
  • Proper boots are essential for keeping feet warm and dry while appropriate soles provide traction. Good boots can help you maintain your balance!
  • Choose gloves that will keep your hands warm, dry, and blister free—consider thicker gloves, which allow for a good grip on the shovel’s handle.
Select a Shovel that’s Right for You

Shovels are made from different materials and come in many shapes and sizes.

  • Choose a shovel that is ergonomically correct—a shovel with a curved handle. Many hardware stores and home centers stock ergonomically designed snow shovels. These shovels help you to keep your back straighter reducing spinal stress.
  • Consider a shovel with a plastic blade instead of metal—plastic is lightweight—isn’t the snow heavy enough?
  • Sometimes a smaller blade is better. You will not be able to shovel as much snow per shovel load, but the load will weigh less, which puts less strain on the spine.
  • Get a shovel made to push snow. It is far easier to push snow than to lift it. There are shovels made expressly for pushing snow. See what is available at your hardware or home center store.

Once you have your shovel, you might want to consider spraying a bit of silicon lubricant on the blade. This can help keep the snow from sticking to the shovel. The snow will slide off the shovel blade.

Technique. Technique. Technique.
  • Warm muscles work better. So take some time to stretch to prepare your body for activity.
  • Just like with a golf club, hand placement on the shovel handle is very important! Don’t put your hands (grip) close to one another. Create some distance between the hands. This will give you more leverage and make it easier to lift snow.
  • Think about good posture and maintaining the natural curve of your spine.
  • Address your task directly. Stand with your feet about shoulder width apart to maintain balance. Try to keep the shovel close to your body. Bend at the knees—not the waist or back. Tighten your stomach muscles as you lift the snow. Lift with your legs—not your back. Do not twist your body. Dump the snow in front of you. If you need to move the snow to the side, move your feet—do not twist!According to the American Academy of Orthopaedic Surgeons, “If you must lift the snow, lift it properly. Squat with your legs apart, knees bent and back straight. Lift with your legs. Do not bend at the waist. Scoop small amounts of snow into the shovel and walk to where you want to dump it. Holding a shovelful of snow with your arms outstretched puts too much weight on your spine. Never remove deep snow all at once; do it piecemeal. Shovel an inch or two; then take another inch off. Rest and repeat if necessary.”
  • Don’t throw snow over your shoulder! Go forward with the snow.
  • Fresh snow is lighter in weight—so clear snow as soon as it has fallen. Snow becomes dense as it compacts on the ground. Wet snow is very heavy. One shovelful can weigh 20 pounds or more!
  • Pace yourself. Take frequent breaks to stretch your back and extremities.

Snowblowers
A snowblower is a terrific piece of machinery, but if it’s not used correctly, you can strain or injure your back. Snowblowers are designed to remove snow at a particular rate of speed. Pushing or forcing the equipment to go faster is defeating its purpose—to do the work for you!

Community Involvement
Not everyone is able to shovel snow or operate a snowblower. Consider the disabled and some in the senior population. Fortunately, many communities across the US have organized volunteers to help people who need assistance during the winter season.

Storm Safety Tips to Protect Your Boat

storm-safety-tips-to-protect-your-boat

 

 

 

 

 

Nothing can be more frightening to a boat owner than to hear that a hurricane warning has been issued for the area where your boat is located. Being prepared can limit uncertainty and reduce damage.

Here are some tips to help protect your boat prior to the storm’s arrival.
  • If possible, haul the vessel from the water on its own trailer or in collaboration with your marina.
  • If you are unable to check the vessel, have a plan in place to ensure that the vessel can be secured.
  • If the boat remains in the water, remove as much boating gear as possible including electronics and important documents.
  • Double up all lines and check that the lines are long enough to accommodate the expected storm surge. Add chafe gear and extra fenders to prevent damage.
  • If the boat is staying on its mooring, add chafe gear to the anchor rode and if feasible, add additional anchors in a three point position.
  • Reduce wind damage by removing sails, dodgers, dinghies, bridge enclosures and eisenglass.
  • Disconnect shore power cords, water supply hoses and close off any propane or other valves.
  • If possible & prudent, navigate the vessel inland to a secure location away from possible storm surge damage and from boats that could break away from their mooring or slip.
  • Secure and lock all hatches and port lights. Double check for leaks and seal as necessary if a leak is found.
  • Secure all loose gear and any item that may clog scuppers and deck drains.
    When in doubt “Haul her out.”
  • Never stay aboard during the storm.
  • If the vessel sustains damage from a storm, report the claim in a timely fashion!

Massachusetts Auto Insurance

Massachusetts Auto Insurance
Massachusetts Auto Insurance. Welcome to Massachusetts!

A few “fun facts” about Massachusetts:

  • Nickname:  The Bay State
  • State Bird: Black-Capped Chickadee
  • State Tree: American Elm

A couple “not so” fun facts:

  • Massachusetts has the highest accident rate in the nation.
  • Massachusetts has the 4th highest auto insurance rates in the nation.
Massachusetts Auto Insurance

It’s a new day & age in Massachusetts auto insurance.  After 30 years of state set insurance rates we finally have … competition!

It’s important to have an independent agent shopping rates and coverage with numerous companies in order to find the best rates.

By design,  insurance companies have complicated, multi-tiered rating systems. In order to get the best rates, your professional, licensed broker knows which factors to apply for each company.

The dreaded: Registry of Motor Vehicles

Auto insurance and Registration (& Title) go “hand in hand” in Massachusetts. You cannot have one without the other. Massachusetts does not have insurance cards as proof of insurance. Instead you have your vehicle’s Registration. Your Registration is your proof of insurance.

Massachusetts is a “Title state”, meaning that, in order to get your vehicle registered you must also get the vehicle titled in Massachusetts.

In order to get your new, Massachusetts Plates you will need to get paperwork from your insurance agent or company.

We  will have you sign an auto insurance application, and provide you with an insurance stamped, RTA Form.

Our Registry of Motor Vehicles service is complimentary (free) for our clients.

If you are new to the state with out of state registration, the Registry will look for your original title and a total of $86 ($50 for your new MA title & $36 for your new, MA plates/registration).

If a bank/lienholder has the title to your vehicle then, perhaps, a memorandum title can be issued. If so, the Registry will require a copy of your existing Registration and, if owned less than 6 months, proof of sales tax paid.

We recommend that you get a Massachusetts auto insurance quote through our website. Once you like the premium and coverage options that we show you, we will assist you with all aspects of Massachusetts insurance!

Happy Holiday & New Year

Happy Holiday

 

 

 

From our family to your family, we wish you a happy and healthy Holiday and New Year!

Please note, our office will be closed at 3:00 pm on Friday, December 30th and closed on Monday, January 2nd. Normal business hours will resume on Tuesday, January 2, 2023!

As always, you can report a claim during off-hours.

Have your policy number ready and dial:

Vermont Mutual:  800-435-0397

Safety Insurance:  866-906-5016

Progressive:  800-776-4737

Travelers/ Standard Fire:  877-425-2466

MPIUA:  800-392-6108

Commerce/MAPFRE:  800-922-8276

Amica:  800-242-6422

Plymouth Rock/Pilgrim Insurance: 617-951-1620

Hagerty Insurance:  800-385-0274

Swyfft Insurance:  855-479-9338

Openly:  857-990-9080

 

Cyber Insurance Coverage

 

Cyber Insurance Coverage

 

 

 

 

 

Cyber Insurance Coverage. With an estimated cyber-attack occurring every 19 seconds, your business requires a robust cyber insurance policy to keep you safe and able to recover from cyber incidents.

Our Agency writes with several companies that offer cyber liability coverage, including Cowbell Cyber.

Cyber Liability Coverage

  • Security Breach Expense
  • Security Breach Liability
  • Restoration of Electronic Data
  • Extortion Threats
  • Public Relations Expense
  • Computer and Funds Transfer
  • Business Income & Extra Expense
  • Social Engineering
  • Ransom Payments
  • Hardware Replacement Costs
  • Telecommunications Fraud
  • Post Brach Remediation Coverage

Stand-alone cyber insurance coverage is not as expensive as you may think. Give us a call to talk about what we can offer to help protect your business from cyber threats.

24 Hour/ 7 days per week Claim Reporting

Did you know?

You can report a claim 24 hours/ 7 days per week.

Have your policy number ready and dial:

Vermont Mutual:  800-435-0397

Safety Insurance:  866-906-5016

Progressive:  800-776-4737

Travelers/ Standard Fire:  877-425-2466

MPIUA:  800-392-6108

Commerce/MAPFRE:  800-922-8276

Amica:  800-242-6422

Plymouth Rock/Pilgrim Insurance: 617-951-1620

Hagerty Insurance:  800-385-0274

Swyfft Insurance:  855-479-9338

Openly:  857-990-9080

Home Insurance Vermin Exclusion

Defend Your Home From Fall Water Damage

 

 

 

 

 

Tips and Hot Spots to Keep Your Home Dry This Fall

  1. Refrigerator Water Supply Line
    Look for kinks, cracks, and other signs of wear and tear in the water supply line. If you move your refrigerator to inspect the supply line, be careful not to damage or kink the line when you put it back into place.
  2. Water Heater
    Corrosion on the external pipe on the tank could be a sign of internal problems. Look for crystal-like deposits that may be white, blue, or green. And remember, water heaters don’t last forever. Check the manufacturer’s warranty for guidance about the lifespan of your water heater.
  3. Main Water Shut-off Valve
    In the event of a sudden water leak, the main shut-off valve can stop the flow of water to your home and help mitigate resulting damage. Take a minute to locate your main water valve before there’s an issue, and flag it with tape or a tag to help people spot it.
  4. Sink Fittings and Connections
    If you notice a drip or signs of a leak or other potential plumbing problems, immediately call a professional. To be alerted early to signs of a leak, install a smart water sensor under your sink.
  5. Caulking Around Your Tub/Shower
    Caulking used to seal the perimeter of a tub or shower can fail over time. Look for cracks, missing caulking or other signs of wear and tear. Regularly check sealants to ensure they are properly sealing against unwanted water intrusion.
  6. Inside Your Toilet Tank
    Look for corrosion, degradation or discoloration. Some cleaning products that can be added to the tank can prematurely degrade the components. Regularly check the components in your toilet tank. If they show signs of wear and tear, replace them.
  7. Washing Machine Supply Lines
    Supply lines are made of rubber or braided stainless steel. A cracked line could not just lead to damage to the room where the leak occurred, but also to the floor below. Turn off water supply, whether your washer is on an upper floor or in the basement, when you’re not running the machine.
  8. Sump Pump
    To test your sump pump to see if it’s functioning properly, pour water into the sump (pit) to make sure the pump kicks on. The float inside the sump will begin to rise with the water and activate the pump, an indication that it’s working.
  9. Central Air Conditioning Unit Drain Pan
    Extreme temperatures in an attic can cause plastic drain pans to crack and leak. An overflow sensor switch in the pan will shut off the air conditioning system if the pan is full. A leaking pan or malfunctioning sensor can lead to a bigger issue. Check the drain pan and test the overflow sensor switch regularly.

Consider installing smart technology water sensors in your home to quickly alert you of potential leaks and prevent large scale water damage to your home.

Pet Insurance

Pet Insurance

 

 

 

 

 

 

Over the years we’ve had numerous pet insurance inquiries.

We’ve partnered with Prudent Pet and can offer direct pet insurance coverage.

What Does Pet Insurance Pay For?

Pet insurance pays you back for unexpected vet bills related to accidents, injuries, and illnesses. With the best insurance companies, you get reimbursed for 80%, 90%, or even 100% of the vet bill (after your deductible is met).

Like most insurance options, you’ll pay a monthly premium to keep your coverage active. Once your deductible is met, you can expect your insurance provider to pay for your pet’s eligible expenses, based on your reimbursement rate, up to your policy’s limit.

What Most Plans Cover:

  • Accidental injuries (foreign object ingestion, broken bones, bite wounds, and more)
  • Unexpected illnesses (skin allergies, gastrointestinal issues, glaucoma, and more)
  • Chronic disease (diabetes, arthritis, heart conditions, and more.)
  • Dental illnesses (periodontal disease, gingivitis, tooth resorption, and more)
  • Hereditary conditions (i.e. hip dysplasia, hyperthyroidism, von Willebrand disease, and more)
  • Surgery (bloat, cruciate ligament conditions, cataracts, and more)
  • Cancer diagnosis and treatment
  • Prescription medications
  • Diagnostic testing (i.e. fecal exams, allergy tests, x-rays, bloodwork, MRIs, and more)
  • Emergency exam fees

Many providers offer additional coverage benefits that can make caring for your furry friend more affordable. Depending on what features you want from a pet insurance plan, you could also get reimbursed for the cost of:

  • Alternative treatments like physical therapy, acupuncture, and chiropractic care
  • Behavioral modification therapy
  • Vacation cancelation fees
  • Lost pet advertising and reward
  • Breeding and pregnancy expenses
  • End-of-life care, euthanasia, and cremation or burial

What Pet Insurance Doesn’t Cover:

No pet insurance will cover pre-existing conditions. However, some providers will cover curable conditions after a certain waiting period with no recurring symptoms. Also, pets with a pre-existing condition are still eligible for insurance, their coverage would only exclude the specific condition that already exists.

Other pet insurance coverage exclusions may include:

  • Pet supplies (food, toys, treats)
  • Cosmetic procedures
  • Elective surgeries
  • Routine care/Wellness exams*
  • Preventive care*
  • Spay/Neuter*
  • Vaccinations*
  • Boarding or daycare
  • Pet property damage
  • Personal liability claims
  • Specific exclusions

*If you’re interested in plans that reimburse for routine and preventive care (checkups, vaccinations, spay/neuter, dental cleaning), consider a Wellness Plan add-on.

Click: HERE to get your free, no obligation pet insurance quote.

Three Second Rule Driving Tip

Three Second Rule driving tip

 

 

 

 

 

 

The American Driver and Traffic Safety Education Association suggests using the three second rule driving tip to help prevent rear-end accidents.

The “three-second rule” accounts for your reaction time to the movements of the vehicle ahead and your vehicle’s stopping distance.

You should add more time if the road is slippery, if you’re being crowded by a tailgater, if you’re towing a trailer or if you’re driving a large truck.

The three second rule driving tip:

When the vehicle ahead of you passes a stationary object, start counting:  1,001 … 1,002 …

The first second is your reaction time; the next two seconds account for your braking distance

You should not reach the object before you count to … 1,003. If you do, you are following too closely.

At a vehicle speed of 55 mph, the three-second rule creates a gap of 243 feet between cars.

Call Johnson & Rohan Insurance for your Massachusetts Insurance needs.