Ice Dam Prevention

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 un-insulated or poorly insulated exterior walls.
  • Improperly insulated 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 ceiling assembly below the attic or loft area.

Johnson & Rohan Insurance

Johnson and Rohan Insurance 2

Johnson & Rohan Insurance is a family owned and operated, full-service, independent insurance agency located in Lynnfield, Massachusetts. With over 100 years of experience, Johnson & Rohan ensures every customer receives the lowest possible premiums and best possible coverages. As an independent agency, Johnson & Rohan represents many of the top insurance companies in the State. The agency invests in state of the art rating software with the ability to take the needs of an individual or family and we shop these needs with dozens of companies to find you the best rates and coverages. But more than that, we think it’s our old fashioned sense of customer service you’ll notice first. We’re a family business treating our clients and their families as we would our own.

At the time of a claim…

People don’t buy insurance thinking about claims, but claim time is where the true value of an insurance agent stands out. As independent agents, we work for you at the time of a loss. We advise and advocate for you during this process and take the extra time to ensure you get a prompt and fair settlement. You will have a veteran insurance professional advocating for you and your claim with the insurance company that direct sellers won’t provide.

Ask our clients…

Our Agency thrives, in part, because of our extremely high retention and referral rates. Our customers appreciate what we do for them and they tell their friends. We believe you will notice a difference from other agencies every time you call our office. We are eager to serve you and to do whatever it takes to earn your trust and business.

Products…

Serving all your insurance needs:

Personal Lines- Auto Insurance, Homeowners, Personal Liability Umbrella, Life, Diability, Condo, Renters, Boats, Power Sports

Commercial Products- Businessowners, Professional Liability, Commercial Auto, Workers Compensation

Product Support…

Did you know we have four websites providing consumer insight and expertise into Personal Lines and Commercial insurance?

JohnsonandRohan.com– Our flagship site, packed with information on homes, autos, life and umbrella coverage plus access to the Registry of Motor Vehicles, on-line bill pay and more.

MassAutoQuote.com– A great reference site with real time access to the Registry and real time insurance quotes.

HomeownerQuote.com– A user friendly site set up to provide tips on saving money on Homeowner policies, easy explanations of Homeowner policy coverages and easy to use quote requests.

MassQuotes.com– A comprehensice Personal Insurance site with insurance advice, insights and tips abd easy quote requests.

Registry Extends Renewal Date

Massachusetts Registry of Motor Vehicles

If you have not received your December personal or commercial automobile registrations from the Registry of Motor Vehicles: fear not.

Due to a “mailing issue,” the RMV has announced they are still renewing registrations that expire in December.

The RMV has advised that although the majority of registration renewal applications for November and December registrations have been processed, customers should expect to receive their registration and decal by January 15, 2016.

The RMV has asked law enforcement to recognize a grace period (through January 15, 2016).

If you’re waiting past this date, give us a call to check on the status of your registration!

 

 

 

Johnson & Rohan Insurance 24/7

If you have a claim during off hours, or over the weekend, a call to our office will provide you with 24 hour a day/ 7days a week claim reporting information.

Call Johnson & Rohan Insurance: 1-800-491-1414

Travelers Insurance Company/ Premier of Massachusetts: 1-800-252-4633
Safety Insurance: 1-800-951-2100
Vermont Mutual: 1-800-435-0397
MPIUA: 1-800-392-6108
Progressive: 1-800-776-4737

24-Hour-Claim-Service-300x224

If you have a claim during off hours, or over the weekend, a call to our office will provide you with 24 hour a day/ 7days a week claim reporting information.

Call Johnson & Rohan Insurance: 1-800-491-1414

  • Travelers Insurance Company/ Premier of Massachusetts:  1-800-252-4633
  • Safety Insurance: 1-800-951-2100
  • Vermont Mutual: 1-800-435-0397
  • MPIUA: 1-800-392-6108
  • Progressive: 1-800-776-4737

You can also report a claim right here by clicking our: “Report a Claim” tab.

RMV Online

The Massachusetts Registry of Motor Vehicles’ website might save you a visit to a branch location: MassRMV.com.

Some of the services offered include: cancel your plates, change your address, renew your license, and renew your registration.

Johnson & Rohan online RMV links

The Massachusetts Registry of Motor Vehicles’ website might save you a visit to a branch location:  MassRMV.com.

Some of the services offered include: cancel your plates, change your address, renew your license, and renew your registration.

Johnson & Rohan Insurance’s links and listings of the RMV’s online services:

License/ID –

Registration/Title-

Renewal

Duplicates

Plates

Check My Status

Other-

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.

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.

Thank you Veterans

Gerry LeTourneau is a veteran and witness to the bomb. He’s also a friend.

Thank you Gerry LeTourneau, and veterans everywhere, for your service to our Country!

Happy Veteran's Day

August 6, 1945-

100 miles off the coast of Japan, US sailors did not hear or feel anything. Instead they saw the huge mushroom cloud rise and get bigger & bigger, & wider & wider.

American bomber, Enola Gay had dropped “Little Boy,” the five-ton atomic bomb, over the Japanese city of Hiroshima.

The Navy Fleet was ordered to change direction and face the waves, so not to capsize. Waves became one hundred feet high.

Aboard the USS Kearney 19 year old signalman Gerry LeTourneau felt as if he had left his balls at the crest of the wave. He held onto the rail of the destroyer for dear life.

Later, the bodies came. Thousand of floating, radioactive, Japanese bodies.

On deck of the USS Kearney, sailors were ordered to install .50 caliber machine guns and shoot holes in the radioactive bodies until they sank.

Gerry LeTourneau is a veteran and witness to the bomb. He’s also a friend.

Thank you Gerry LeTourneau, and veterans everywhere, for your service to our Country!

Winter is around the corner:

Ice, snow & wind can have devastating effects on your home.The time to winterize is before the snow begins to fall …

Winterize Your Home

I hate to think it, but winter is around the corner.

Ice, snow & wind can have devastating effects on your home.The time to winterize is before the snow begins to fall.

Here are some suggested precautions:

  • Maintain gutters. Removing leaves, acorns, sticks & debris from gutters so that snow & ice can drain properly can help prevent dreaded ice dams.
  • Trim trees & remove dead branches. Ice, snow & wind can cause weak trees or branches to break damaging your home, car or injuring someone.
  • Check Insulation. Add extra insulation to attics, basements and crawl spaces. If too much heat escapes through the attic it can cause snow or ice to melt on the roof. Water re-freezing causes more snow & ice to build up resulting in collapsed roofs & ice dams. Ideally, the attic should be five to ten degrees warmer than the outside air.
  • Keep your home warm. The temperature in your house should be at least 65 degrees. The temperature inside the walls where the pipes are located is colder than the walls themselves.

J&R Insurance Quote of the Day

“Live in each season as it passes; breathe the air, drink the drink, taste the fruit, and resign yourself to the influences of each.”

-Henry David Thoreau

J&R Insurance Quote of the Day

Live in each season as it passes; breathe the air, drink the drink, taste the fruit, and resign yourself to the influences of each.

-Henry David Thoreau