What is personal umbrella liability insurance and why should you consider it?

Umbrella insurance provides additional coverage.

Umbrella insurance provides additional coverage.

You know how important it is to be insured. You have home insurance and car insurance. You’re happy with your coverage and your premiums. But have you ever considered if your limits of coverage on those liability policies are enough? What if there comes a day when you have a claim that blows those limits out of the water? That’s when you’d need a personal umbrella insurance policy.

What’s an umbrella policy?

Indulge us for a moment in a corny analogy.

Picture your home insurance (for example) as a raincoat. You wear it to protect you from any surprise rainstorms that could happen, so you’re covered. But what if it starts to pour all of a sudden and you’re trapped in a rainstorm that’s heavier than any you’ve ever experienced? Your raincoat might not be enough to keep you dry, and that’s why you’d want an umbrella to go along with it. It’s an added layer of protection against the unforeseen storm.

Umbrella insurance can protect you against big losses.

What would umbrella insurance do?

Umbrella insurance kicks in where your underlying policy left off if you have a claim that exceeds the limit on that underlying policy. Instead of you having to cover the leftover expenses from that lawsuit, your umbrella insurance can take care of it. You’d be protected. Don’t underestimate how expensive court costs and liability situations can be – the costs can skyrocket. Your umbrella insurance is there to take the fall for you – up to the limit on that policy, naturally.

How much umbrella insurance do you need?

To determine how much umbrella insurance is right for you, you have to consider your assets and your risks. For example, do you have a teenaged driver? Have a dog that could bite someone? Have a pool? (By the way, dogs and home insurance don’t always get along. Umbrella policies can help dog owners mitigate their risk.)  Basically, think of things that could put you on the receiving end of a lawsuit – in other words, personal risks that you face in your day-to-day life.

How much does umbrella insurance cost?

When you think about how much extra coverage umbrella provides, the extra cost to your premium is very reasonable.

Two factors that contribute to the cost are:

  • The value of the policy (premiums will usually go up by about $50 or $75 for each million)
  • Your personal risk factors. For example, do you have driving tickets on your record? What does your credit score look like? (Yes, your credit score can have an effect on your insurance.) The cleaner your record, the less of a risk you are to an insurance company.

Pro tip: To save money on your umbrella policy by possibly getting a discount, get your umbrella policy from the same company that writes your standard policies.

Get peace of mind with umbrella insurance.

Even though homeowners and auto insurance provide a certain level of liability protection, there are many disastrous situations that might completely exceed the coverage you currently have. Imagine the unimaginable. Would your current policy be enough to cover all the expenses? Or would you be left to foot a hefty portion of the bill? An umbrella policy will protect you from a major loss.

If you’re interested in getting a personal umbrella insurance policy, let us know! Just fill out our quote form or give us a call today and we’ll be happy to help you with any of your insurance needs. We want you to be able to enjoy peace of mind knowing that you’re protected from any big disasters that come your way.

How much home insurance do I need for my Atlanta house?

Do you know how much home insurance you need?

Do you know how much home insurance you need?

Your Atlanta home is one of your greatest assets. A house is a big investment, but we know that it’s more than that. Your house is your home, your shelter. Sure, you might have the occasional maintenance issue, but you wouldn’t trade it for anything. And to protect your home, you need to make sure that you have the proper home insurance.

But that begs the question – how much home insurance do you need?

The answer depends on several things, but a lot of it comes down to how you choose to insure your home in the first place. You have different options. Let’s break it down into two parts – insuring the home itself (meaning the structure) and your personal belongings.

The House:

To make sure that you have enough insurance for your home, you need to check that you have enough coverage to handle rebuilding your home entirely if it were destroyed by a disaster like a fire. Now, you also have to take into account the cost of the contractors’ labor and building materials. This is your home’s replacement cost.

You need to take construction costs into account for your home insurance.

How do I find out the replacement cost of my house?

To figure out how much your home would cost to rebuild or replace, you need to consult a trustworthy builder. Find a builder that’s reputable to give you an estimate of what it would cost to rebuild your home, taking into account the materials it’s made of.

Will the replacement cost ever change?

Okay, so here’s the thing – you need to let your agent know anytime you make a significant change to your home. These could be home improvements, like an addition or renovation. By renovating or doing home improvements, you could be altering the value of your home and thus how much home insurance you need. You might be changing the value of your home enough to need to adjust your limits of coverage. Another time to consult with your agent is when you have a significant lifestyle change, like getting married.

It might be tempting to go with a lower premium for your home insurance, but it’s worth it to get robust insurance with plenty of coverage. Besides, there are other ways to lower your insurance premium while still keeping high levels of coverage.

Personal Property:

When it comes to insuring your personal property, again, you have options. You can insure your belongings for their actual cash value or their replacement value.

Actual cash value means that your home insurance company can reimburse you for the price of the items at today’s value, minus your deductible.

Replacement cost value means that you get reimbursed for the full cost of replacing the items, minus your deductible.

That might not seem like a big difference. But it is. You might want to insure your belongings for their replacement value because of depreciation. Basically, the value of your belongings might have gone down since you bought them, so the cost of replacing the item might be more than its current worth. With replacement cost, you’ll be able to replace the item with a new one without worrying about depreciation. With actual cash value, you might not get enough money to replace the item.

We recommend insuring your belongings for their replacement value.

The easiest way to further explain is with an example.

Say that you bought some furniture a couple years ago. At the time it cost $4,000. It’s nice. Your home gets burgled and the thieves take off with your furniture. The only thing is that it is only worth $3,000 today. With actual cash value, you could get the $3,000 (minus your deductible) … but it might not be enough to replace the items that were lost.

Now, depreciation depends on the type of possession and its age, of course, but things sometimes lose their value over time. You need to be prepared for that.

How do I know how much home insurance I need for my personal belongings?

Taking a home inventory is a great way to get an idea of the total amount of coverage you need. This will give you an idea of the value of all of your belongings.

Insuring Your Valuables:

Don’t forget about your expensive jewelry, silverware, furs, and antiques. You need to make sure that you have enough coverage for your jewelry and other valuables. They might exceed the limits on your home insurance policy, which means that you need to consider adjusting your insurance to ensure coverage for these items. You might need to get an extra floater or rider (basically an addition to your policy) to cover them.

To figure out just what insurance you might need, you have to have your treasures appraised. That way you’ll find out what they’re worth in today’s market and know how much they need to be insured for. Remember, you’ll need to have these valuables appraised every couple years to take changing prices into account.

Don't forget to get your valuables appraised when it comes to your home insurance.

Remember, the name of the game is making sure that you have enough insurance to cover everything, including the home itself and its contents. Peace of mind is worth it.

Insuring your home might seem like a headache. There’s a lot to think about and a lot of factors at play. But we can help you make sure that you have the insurance you need to protect your home and your family. Just give us a call or fill out our quote form and we’ll help you create a customized insurance plan that will protect your family from whatever life might throw at you.

Perils of the rainy season: Summertime severe thunderstorm safety

Severe thunderstorms have a high potential for damage.

Summer is prime time for severe thunderstorms. Hot and humid weather often contributes to the formation of storms. Hmm…hot and humid? Sounds like Atlanta, right? Severe thunderstorms can be terrifying, with the torrential rain and cracks of thunder that can shake a house. Only certain thunderstorms are declared “severe,” but if they are they can come with hail, 60 mph winds, and even tornadoes. All of which can be very destructive and cause some serious storm damage. The sheer power of thunderstorms is why it’s important for you and your family to know how to stay safe when summer storms hit.

Keep the following in mind next time you and your family have to weather a (literal) storm.

BEFORE THE STORM HITS:

1. Create a disaster kit.

It’s a good idea to have an emergency disaster kit prepared to help you and your family get through a natural disaster. Having a stash of emergency supplies will help you out in case the power goes out or you have to hunker down for a while. For a list of items that you should include in your kit, visit The Red Cross’s website.

2. Take care of any dead or rotting trees or branches.

Trees and tree branches can cause a lot of damage. Make sure to keep your yard and trees maintained so that ailing trees won’t crash into your house during a thunderstorm. In heavy winds, a tree that’s not healthy might give up and fall over (but hey, even a healthy tree could be at risk.)

3. Know when and where to take shelter.

First of all, you have to know what the weather warnings you might hear mean.

Severe thunderstorm watch means that the conditions are ideal for the formation of a whopper storm. Stay tuned to news outlets like the radio, TV, or your NOAA radio.

Severe thunderstorm warning means a severe storm has been sighted in the area. In other words, you’re about to get pummeled by a serious storm. Take shelter immediately.

Don't hesitate to take shelter if a thunderstorm seems imminent.

If you’re outside and you see lightning, count to 30. If thunder booms before you get to 30, you need to hoof it inside. To shelter, find a sturdy-looking building. Avoid open areas and bodies of water. If you can’t get to a building, shelter in a hard-topped car. Don’t touch any metal or conductive parts of the car, however – if lightning touches down near you, you don’t want to get shocked. Stay inside until 30 minutes after the last boom.

Because lightning is so unpredictable, it’s very dangerous. It doesn’t have to be raining hard for lightning to strike, and sometimes strikes happen 10 miles away from any rain. There’s even a kind of lightning called “heat lightning”, which means that the storm is too far away for the thunder to be heard. However, this usually means the storm is headed your way, so be prepared.

4. Don’t leave your outdoor furniture lying around.

If you have outdoor patio furniture, you need to either move it inside or make sure that you’ve secured it in place. Outdoor furniture can get picked up by strong winds and thus turned into a missile that could damage your home.

5. Unplug electronics.

Unplugging your electronic devices can keep them from getting fried in a power surge (if one occurs.) Things like computers are susceptible to being toasted, as are AC units.

Before the thunderstorm hits, unplug your electronics.

6. Batten the hatches.

Shutter your windows and secure your doors. If your windows don’t have shutters, pull any blinds or curtains that you might have.

DURING THE STORM:

7. Don’t touch electronics.

When the storm hits, don’t use corded phones or devices. Basically steer clear of electrical cords and plugs. You don’t want to accidentally get electrocuted.

8. Avoid contact with plumbing fixtures.

Steer clear of plumbing fixtures during thunderstorms. They can also conduct electricity.

9. Steer clear of windows and doors.

These things are weak spots and they might break, allowing the storm to come inside. You’ll be safest in an interior room of the house in a room with no windows.

10. If you’re driving when you’re caught in the thunderstorm…

Do your best to cautiously and safely get off the road, pull over, and park. Turn on your hazard lights and wait out the thunderstorm – it won’t do any good to keep driving if you can’t see. Try to avoid touching any metal or conductive parts of the car. Lightning is scary.

11. Stay tuned to a battery-operated radio.

A National Oceanic and Atmospheric Administration battery radio will provide you with the details you need to know about the weather situation and the thunderstorm. This should be part of your disaster kit.

Stay safe during summer thunderstorms.

Atlanta definitely sees its fair share of harsh thunderstorms, particularly in the summer months. Stay safe during storms and don’t take any chances. Take shelter and listen to weather warnings, even if the situation doesn’t seem that bad – yet. Storms can hit and worsen fast. Be smart and respect the power of thunderstorms.

If you’d like to get a free quote on your homeowners or renters insurance, great! We’d love to do that for you. All you have to do is fill out our quote form or give us a call and we’d be happy to go over your insurance needs with you and help you create a customized insurance plan.

Flood insurance FAQs: The truth about flooding and your insurance

Flooding isn't covered in standard homeowners policies.

 

Imagine this. It’s the Atlanta rainy season. It’s hot, humid, and pouring down rain as it’s wont to do in the summer months. It’s been raining heavily. You get home from work one day, eager to escape into the air conditioning after a muggy ride home, and burst inside. You put down your things and wander into the kitchen for dinner…

Only to find that your kitchen looks an awful lot like a bathtub. There’s water everywhere. The kitchen flooded while you were at work, and you’re looking at a lot of damage.

Okay, you think. I’ll get on the phone and call my insurance company. So you do. You dial them up and explain what’s going on…and then they break the news.

Flooding isn’t covered in standard homeowners and renters policies.

You stare at your kitchen in dismay.

There’s a way to avoid the situation of trying to figure out how you’re going to afford all of those costly repairs and replacements. And that’s flood insurance.

What’s flood insurance?

Flood insurance is an additional coverage that you can purchase to protect your home and your belongings from damages or losses related to flooding. Since flooding is not covered under most home insurance policies, you have to purchase it separately.

What does it cover?

As we mentioned above, flood insurance protects the home itself and your personal belongings. You do, however, have to make sure that you have insurance for both the structure and the contents of your home – it’s important to make sure that everything’s covered. Taking a home inventory is a great way to make sure that you have enough coverage.

Flood insurance will protect you if you ever face a flooding loss.

Keep in mind that not all water damage is considered “flooding.” For a loss to be considered flooding, there has to have been two acres worth of flooding or two homes that have been affected (one of which is yours) from either tidal or inland waters or rapid and unusual accumulation. Basically, that means that there’s a lot of water on land where there’s usually not a lot of water.

Where can I get flood insurance in Atlanta?

Flood insurance is available through the National Flood Insurance Program, but you have to buy it through an agent. You can’t go directly to the NFIP and buy it yourself. And your community has to participate in the NFIP in order for you to be able to get flood insurance.

What if I don’t live in a high-risk flooding area?

You can still buy flood insurance even if you don’t live in a high-risk area. You never know when a summer flash flood could hit your home. Even low or medium-risk homes can be at risk for flooding – floods are a very common weather-related disaster in the US. Plus, the damage from just an inch of water can be extremely costly. Yikes.

What if I rent my Atlanta home?

You can still purchase flood insurance for your belongings. Covering the structure itself is up to the owner of the property – they take that responsibility in their own hands.

A flood watch was just issued for my area for the next week or so. Can I buy flood insurance and be good to go?

You can buy the insurance…but it won’t do you much good for the potential flood that’ll happen in the next week. Flood insurance policies typically take effect 30 days after they’re bought.

There's a time limit before flood insurance becomes effective.

Now, if you have to get flood insurance because your lender requires it for you to get a loan, or to increase, extend, or renew an existing loan, don’t worry. There’s no waiting period for that situation.

Hopefully we were able to answer some of the questions you might have about flood insurance. Your home is valuable, so consider securing your peace of mind with a flood insurance policy today. If you have any further questions about flood insurance, please don’t hesitate to ask. We’d be happy to help you with any of your insurance needs. If you want to get a free quote on your Atlanta home insurance, we can do that, too!

Source: FEMA

Part Two – How to choose a company to install a fence around your yard

You’re ready to invest thousands of dollars in a new fence. Doesn’t it make sense to learn some of the common mistakes fence installers make? In Part 1 of this series, we discussed what to look for when selecting a fence company in Atlanta. In Part 2, we’ll examine a few shortcuts fencing contractors might take that you need to protect yourself from. Eddie Clark, CFP of Accent Fence, has generously helped us by sharing these tips.

It's important to choose a contractor you can trust when you're having a fence built.

Do they recommend that you FIRST get a survey before beginning?

“Folks will tell you ‘Just put the fence HERE.’ Then the neighbor will often get a survey done and the fence winds up in the wrong place. Only work with a professional installer that tells you to get a survey done. I will often tell people when giving them a free quote that I don’t see their property lines. They will tell me that they have been mowing their lawn for many years and they know where it is. I always ask…are you sure?”

We asked Eddie if he had a story to tell about property lines. “Yes! A friend swore to me that he knew where the lines were since he had been mowing his lawn for ten years. I asked him if he was sure, and he answered yes. Thankfully, before we began the job, he called me to tell me that he pulled out his plot and he was wrong!”

Don’t trust your sod line. You want to see the actual original plot pins in your yard. If you don’t see them, then pull out your copy of the plot to see where the line is before building a fence. If you don’t have a copy of the plot, then hire a land surveyor. Eddie told us that this will cost you between $300 – $500. This is cheap insurance for you. Don’t fret about the extra money either. Having to relocate a fence later will cost you many thousands of dollars, so you’re doing yourself a favor.

Do they tell you where to put the fence?

If a fence guy tells you to put the fence here…run. No professional fence installer will ever tell you where to install your fence. Instead, they should educate you on the importance of getting a survey first before beginning.

Do they mix the cement up in the hole or in a bucket?

This might not seem to make a difference to you. However, listen to what Eddie told us: “Many installers will use Quikcrete to set their fence posts. The thing is that the instructions on the bag tell us to NOT mix it in the hole. When someone tries to cut corners this way, a poor mix is the result. For example, the top of the cement will get hard. The sides of the hole will get hard, too. Unfortunately, though, the most important cement that’s next to the actual pole will be powdery and chalk-like.”

Shortcuts cause the cement molecules to not bond together properly. This means loose fence posts down the road. Make sure that your contractor is planning on mixing the cement outside of the hole.

How do they buy their wood?

Do they buy it at the cheapest place? Or do they buy it in bulk so that they can control the quality of the lumber used in your fence?

Make sure that you're happy with the wood being used for your fence.

Does the fencing company have workers’ compensation and liability insurance?

“Don’t simply take their word on it,” Eddie said. “A salesman can simply say yes to brush you off. So, are they willing to show you a current certificate of insurance? They should be tickled to death to show it off, especially if they pay as much as I do.”

What if they don’t have a copy to show you? “If they hem and haw, then run like the wind,” Eddie said. “If they lie about this, what else are they lying about?” Why is insurance so important? “Nobody plans on getting hurt on the job. You should want something to stand between you and a lawsuit besides a contractor that you really don’t know much about,” Eddie said.

If they don’t show you current proof of insurance with their name on it, cross them off your list of companies to get fence quotes from.

Do they use the wrong kind of nails?

 Just suppose you were having a wooden privacy fence installed around your home. Eddie told us that the type of nails they use can make a difference in how your fence looks and how long it lasts for. “Pressure treated lumber is very acidic,” Eddie explained. “That’s why the manufacturers suggest that you only use ring-shanked hot-dipped galvanized nails. These galvanized steel nails are dipped in zinc. This means they will last longer without rusting.

“Some guys will try to save money and only carry one kind of nail on their trucks,” Eddie continued. “For example, they may only carry aluminum nails for red cedar. However, you should never use these on pine. They’re not strong enough. In twelve months, the boards will expand, contract, and twist. They’ll cause the nails to loosen up. They also will cause it to rust later on. You’ll see black stains dripping down from the nail holes. This is known as weeping.”

Find out what kind of nails your contractor uses. Insist on ring-shanked hot-dipped galvanized nails for your privacy pine fence. If you don’t, your fence will look great for the first few months – but by the twelfth month, you’ll no longer be happy with it.”

Are the post holes deep enough?

The Quikcrete website says that the diameter of the hole should be three times the width of the post. So, for a 4-inch wide post, you’d need a 12-inch wide hole. The depth of the hole should be one-third to one-half of the height of the post above ground. So, for a 6-foot high fence, you’d need a hole that’s at least two feet, ideally three, deep.

Are the fence post holes deep enough?

How much cement should they use per post?

That will depend on the diameter of the post and the depth of the hole. Using our example above, a 6-foot privacy fence with a 4″ wooden post would take 3 bags of 50 lb Quikcrete. There’s even a spiffy little calculator here at the Quickcrete website.

Find the answer to this question ahead of time. Some fence contractors will only use one or two bags to try and save money. This will compromise the sturdiness of your fence posts years down the road.

We hope you found this two-part series on how to pick an Atlanta fence company helpful. Buying a new fence will cost you thousands of your hard-earned dollars. You deserve to have a reliable installer to work with. We want to thank Eddie for his time in giving us these helpful tips. If you have any questions feel free to contact him his website here. And please remember, Atlanta Insurance encourages you to only choose a fencing contractor that has the proper insurance so that you are protected.

Speaking of insurance, do you need home insurance? Renters insurance? Life insurance? Car insurance? We’d be happy to help you out with that! We can discuss your coverage options with you and get you a free quote. 

Part One – How to choose a company to install a fence around your yard

If you’re looking to have a fence installed around your yard, listen up! In today’s article, we interview Eddie Clark, CFP of Accent Fence. He offers some awesome tips on selecting the right fence contractor in Atlanta. In this two-part series, we’ll investigate what to look for before choosing someone to work with. Eddie was a branch manager for a wholesale fencing manufacturer. When the company went out of business 17 years ago, he started his own fencing business – Accent Fence of Atlanta.

To make sure that you choose a trustworthy fencing company to work with, consider the following questions:

  • Are they a member of the National Association?
  • How long have they been in business?
  • What does their online reputation say about them?
  • Can you trust them?
  • Do they work for builders as well as doing residential installations?
  • What kind of workmanship warranty do they offer?

Let’s take a look at why these questions are so very important:

Are they a member of the National Association?

“The danger of this industry is the ease of entry,” Eddie said. “Anyone with a post-hole digger and a truck can be in business this afternoon. So, for example, I am a member of the American Fence Association. Most knuckleheads won’t want to pay to be part of this association. When a fencing contractor is an active member, it shows a commitment to the industry and that this is more than a job to them.”

He continued, “There are additional credentials to look for. For example, I am also a Certified Fence Professional.” Is that important? Notice what Eddie shared: “Less than 2% of fence installers ever achieve this certification. It takes a lot of time to be qualified to take this comprehensive test. In fact, more than half fail on their first try. It also requires re-certification every 3 years. Next, there is being recognized as a Blue Ribbon Contractor by the association. When you are selective like this, chances are really good that you’ll get a great contractor.”

The lesson? Be selective. Remember that anyone can call themselves a fence installer. However, only 2% of the installers out there have received recognition as a Certified Fence Professional. You deserve the best contractors working on your home, don’t you? So, don’t settle for anything less.

How long has the company been in business?

A company’s warranty is only as good as how long they’ve been in business. You want a company that’s been in business for a minimum of three to five years. Why three years minimum? “Most businesses die within the first three years,” Eddie said. “So a company that’s still in business after five years is a good sign. However, make sure that they have the same business name, same owner, and same phone number for the whole time they’ve been in business.”

Remember that five years of experience isn’t enough. You don’t want a bankrupt business working on your home under a new name, do you? Instead, you’re looking for a business with a trustworthy track record.

What does their online reputation say about them?

Look for contractors with good reviews on portals like Google and Kudzu. If you can, talk to the customers and look at the fence to prove to yourself that it was installed professionally.

Can you trust them?

Online reputation is one thing. Spending time with the fence professional when getting a quote is quite another. Does it sound like they know what they’re talking about? Are they able to explain their process and methods for installing a backyard fence in detail? “If they can’t explain to you what they’re going to do in an easy-to-understand, logical manner, why would you ever want them to install your fence?” Eddie asked.

In short, listen to your gut before signing on the dotted line.

Do they do work for builders as well as doing residential installations?

Why should you care about this? “Most fences will not need to be replaced for 15 years,” Eddie said. “That means if a contractor only does residential installations he does not need to focus on customer service. A residential fence installer can do poor to medium grade quality work and still stay in business because they don’t count on repeat business. They make their money and then disappear. On the other hand, if a contractor does work for home builders, then they must do good work or they will be replaced quickly!”

So, if you want a reliable contractor, choose a company that does work for repeat customers like home builders.

What kind of workmanship warranty do they offer?

Eddie told us that traditionally the workmanship warranty on a new fence is one year. He continued, “If there’s going to be a problem with the installation it shows up quickly, usually within 6 months. We’re not talking about warped boards because that’s the nature of wood. We’re talking about poor workmanship by the installer.”

Eddie went on. “Now, some salesmen will offer you a five-year warranty on workmanship to differentiate themselves from the competition. However, as explained already, this really has no value. It sounds good in theory. Remember that most fence contractors will not even be in business five years from now! So, if some smooth-talking salesman tells you he will give you a five-year warranty on workmanship, try this instead. Ask him what the price is with only a one-year warranty on the labor. They’ll tell you it’s the same price. You will quickly learn that this is a meaningless warranty.”

That concludes Part 1 of this series on how to select a good fence company in Atlanta. We want to thank Eddie of Accent Fence for his time and the great advice. We hope you have found this information helpful. In Part 2, we’ll examine a few shortcuts fencing contractors might take that you need to protect yourself from.

Need home insurance? Life insurance? Renters insurance? Car insurance? We can help you with any of the above. Just fill out our quote form for the type of insurance you’re looking for and we’ll get you a free quote!

Summertime grilling safety tips (Or how to grill without burning the house down)

Now that we’re well into the summer, you might be thinking about having a barbecue and inviting your friends, family, and neighbors over for an old-school grill-out. You’ve bought the burgers, the chicken, the hot dogs, and, of course, the condiments (which, let’s face it, are the best part.) So grocery-wise you’re all set. You’re ready to fire up the grill and fill the air with that juicy, smoky barbecue smell.

Don't forget to be safe when you grill!

But before you start throwing on the burgers, it’s important to remember that grills – in addition to producing delicious food – are dangerous. Yes, something that allows you to cook a mouthwatering meal might seem innocent, but grills can turn on you if you don’t take the right precautions. An unsafe grill is a home insurance claim in the making.

So, we’ve put together some of those precautions so you can get to grilling!

1. Know your grill.

Do you have a gas or a charcoal grill? This is important because they’re meant to be used differently. Gas grills require propane whereas charcoal grills require, well, charcoal and fire.

Anyways. This is important because you should never put starter fluid on a gas grill. Starter fluid is only for charcoal grills.

2. Take care of your gas grill.

If you have a gas grill, you need to make sure that you don’t have any propane leaks. Check the spot where the propane tank and fuel line are connected and make sure there are no leaks. If you think you have a leak, turn off the gas and DO NOT light the grill. Instead, get it fixed by a professional before cooking anything. (On the bright side, this gives you a good excuse to impose on your neighbors – now they get to host the get-together!)

Oh, and one more thing – never, ever use matches to check for propane leaks. Fire + propane = not good.

Make sure that your grill is in good working order.

3. Keep the grill outside.

Don’t bring your barbecue into an enclosed, unventilated space, like your garage or home. This is a major fire hazard, but it’s also a carbon monoxide and smoke hazard, too. Carbon monoxide is not to be trifled with. It’s an odorless, colorless gas that can cause extremely serious health problems, so make sure to prevent carbon monoxide poisoning.

4. Respect the grill’s power of flammability.

Keep your grill away from things that could catch on fire. You should place it at least three feet from things like trees, outdoor furniture, and, oh, yes, your house.

Also, don’t grill on a wooden deck or porch. That could end up catching fire.

 5. Keep the kiddos and pets away from the grill.

Your kids and pets might wander too close and end up getting hurt, so keep them at a safe distance and don’t let them run around or play close to the barbecue. You don’t want them to get burned. Make sure that your home is sufficiently childproofed to avoid any mishaps.

Keep the pets and kids at a safe distance from the grill.

6. Have good food-safety habits.

When you prep and cook food, you need to make sure that you’re keeping everything clean and not exposing the food to bacteria and other icky things that can make people sick. Food poisoning is not fun.

A few Food-Prep 101 tips:

  • Wash your hands frequently (or use moist towelettes if you’re outside working the grill).
  • Keep raw food away from cooked food.
  • Don’t use the utensils you’re handling the raw food with on the cooked food.
  • Marinate the meat in the fridge, not on the counter. Meat needs to be refrigerated.
  • Cook the food thoroughly. Burgers should be cooked to 160˚F and chicken should be cooked to 165˚F.
  • Put the leftovers in the fridge ASAP. Don’t wait longer than two hours to refrigerate the leftover food.

7. Don’t invite carcinogens to the party.

Carcinogens, or substances that cause cancer, are also a risk of grilling. When fat from meat drips onto the flames or charcoal, the smoke produced rises to the meat and releases carcinogens.

To reduce the chances of releasing carcinogens:

  • Cook lean meats, like turkey burgers or lean cuts of beef. These have less grease. Also, cut the visible fat from poultry before throwing it on the grill.
  • Marinate the meat. Herbs can prevent carcinogens from forming because they have natural antioxidants that do so.
  • Scrub the grill with a wire brush after every use. This will clear the grill of any leftover chunks of food that could drip through the grates and release carcinogen-rich smoke.
  • Use nonstick cooking spray. This prevents food build-up from forming on your grill.

A clean grill is a happy grill.

So, there you have it – how to have that relaxing, casual grill-out safely! Now that you’re a grill-safety pro, you’re ready to invite the neighborhood to your place and have a feast. Let the hamburgers and hot dogs fly!

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Part Two – How to choose a business to repair an alloy wheel

You’re driving down the road, just cruising along on your way home from work, when BAM! What was that noise? Turns out you hit a nasty pothole, and when you get to your house you realize that your tire has lost air pressure.

In Part One of this series, we talked to Manny Heredia of Rims Like New about your options for having a scratched or bent alloy rim repaired. In Part Two, we’ll talk with Manny about what you can do if your rim is cracked. Today we will answer the following questions:

  • If my wheel is cracked, can I go to any welder to repair it?
  • Is it safe to drive on a cracked rim that was welded?
  • How can a rim repair business guarantee that a weld won’t cracking again?
  • How can I choose a good rim repair company?

What options do you have if the tire shop tells you that you have a cracked rim?

Don’t jump to the conclusion that you have to scrap your old alloy rim and buy a buy a new one. The truth is that cracked wheels can be welded.

But can you go to any welder to repair it? “Sure, you could have someone weld it,” Manny said – but there’s a catch. “However, every time a wheel is cracked, the impact causes the rim to be out of round. In other words, it’s now also bent. That means your tire will be out of round also. Your tires perform best when they’re truly round. If you don’t [have it fixed], it will cause problems like we have discussed. The part that’s bent will cause the tire to wear flat in that spot. This will cause premature tire wear. You’ll have to replace your tire sooner and you’ll still be left with the same problem … A bent rim. Once you have new tires the problem cycle begins all over again. The sooner you repair it the better.”

So, what does Manny do differently? He said, “Prior to fixing the crack, we straighten the rim. We have an expensive machine that measures the wheel’s roundness to thousandths of an inch to determine its trueness. It also tells us where to push or pull to make it round again. Our goal is to make the rim round again to 15 thousandths of an inch. Which is a total run out of 30,000 thousandths of an inch. Our goal is 30 or better. This will allow the rim to function normally. Then we will weld the crack afterward.”

Is it safe to drive on a cracked rim that was welded?

 “Many people view the weld as a weakness,” Manny said. “In fact, most weld shops won’t guarantee a weld on a car rim for that reason. In the beginning, we had to outsource all our welding work. The welders didn’t like talking about a warranty for their work. They assumed that the person driving would hit a pothole and it might crack again. But I stand behind my workmanship and quality. In fact, I guarantee the welds to fix cracked rims for as long as the person owns the car.”

How can a weld be guaranteed to not crack again?

 “It’s funny. I’ve had wheels come back after they’ve cracked, but they cracked in another location,” Manny said. “My welds survived the pot hole. The same goes for pulling out the bends. The tremendous force used to straighten out the aluminum rim has not broken my welds either. Remember, this is up to 12 tons of hydraulic force and my welds hold up. Will another company guarantee this? I don’t know. All I know is that I do, and that says a lot about the quality of work that we do. This should satisfy the concerns of anyone that is concerned about driving on a cracked rim that is welded.”

However, the best way for any driver to avoid cracking their rims in the first place is to be a cautious driver. Watch the road in front of you at all times. Avoid potholes and road debris to begin with and save yourself some headaches and money later on.

Why not buy a new rim?

 “Generally, on a low-end car like a Honda Fit, Subaru Imprezza, or a Nissan Sentra, a simple aluminum alloy wheel starts at $300 each. When you look at a Cadillac, Lincoln, or a Corvette you are looking at up to  $1,000 or more per rim. Sure, you can try a junkyard. But remember, those cars were in an accident. The odds are that those rims are bent also!”

Manny told us, “Our cosmetic repairs start at $99. Fixing bent wheels also starts at $99.” That’s a heck of a deal compared to buying a $1,200 wheel! It sounds like a no-brainer, doesn’t it?

How can you choose a good rim repair company?

Manny shared the following tips to choose the best wheel repair company to work on your car.

  1. “First go to Google and social media. Check to see if the company has reviews. I am sure every once in a while you’ll find a disgruntled customer that can never be satisfied. But overall there should be plenty of satisfied customers.”
  2. “Make sure they have proper liability insurance to work on your car. Ask to see a copy of their insurance to see if it’s up to date.”
  3. “One of the most important things, however, is if they stand behind their work. The right rim company is the one that is willing to stand by its work and compensate their customers if they are not 100% happy.”

We hope that you found this two-part article on how to choose a business to repair your wheels helpful! To learn more, you can visit the Rims Like New website here.

If you need home, car, life, or renters insurance, we can help! Just fill out our quote form and you’ll be on your way. We’ll get you a quote for free! 

Part One – How to choose a business to repair an alloy wheel

There may come a day when you need to get a wheel replaced or repaired.

You just ran your car through the local car wash. Ah, now your car is nice and shiny! You’re drying your car, and…wait a minute. Are those scratch marks on your beautiful alloy wheel? Then you remember – yesterday you lent your car to your teenage daughter, who just got her driver’s license. Yikes!

What will you do?

Buy a new wheel? Well, expect to pay anywhere from $300 – $1,200 a pop.

Your other choice? Have your alloy rim cosmetically repaired so it looks like new again. For today’s article, we interviewed Manny Heredia of Rims Like New. He’s been repairing wheel rims for almost 13 years now, and he’s got some tips to share with us today! We’ll cover the following topics:

  • How you can get the scratches on your wheels fixed
  • If it’s possible to change the color of your rims
  • Why you need to have your bent wheel repaired
  • Why it’s important to make sure that the business you use offers a warranty

How can I fix my wheel scratches, bubbles, and peeling paint?

 We asked Manny what options a person has for repairing or refinishing their rims. He shared, “Well, that depends on the issue your wheel is having. For example, are your rims’ finishes peeling or bubbling? We can refinish these and even powder coat them. Of course, this depends on how much of a budget a customer has and how finicky they are about how it looks. So, are you looking for a facelift or do you want a perfect showroom finish? We have the ability to make it look new or to simply make it look better than it did before. The choice is up to you.”

What about the scenario we talked about – a teenaged driver scratches the rims on the curb when parking the car? “We have different options for this as well depending on how perfect they want the rim to look afterward,” Manny said. “We can make it look good to the eye so no one can tell there was a problem before. We provide different levels of service depending on your budget. Overall it’s still worth it compared to buying a new one.”

Can I have the rims of my car custom painted?

What if someone wants different-colored rims? Do they have to buy new ones? “We can change the color,” Manny said. “For example, we have done red rims, pink rims, and black matte rims. We can also machine them.”

What if someone has pitted chrome rims? Can you change the color on these too? “Yes. We can sandblast them to remove the chrome finish,” he explained. “Then we can powder coat them to any color that you want.”

Driving on a bent wheel can shred your tire.

Why are potholes the nemesis of low profile tires and rims?

Manny shared, “Sometimes I have people tell me, ‘My tire went flat. I filled it with air and it was fine for a few weeks. Now all of a sudden it is flat again. What happened?’ Where the rim is bent, it sometimes pulls the tire enough so that it holds the air. However, when the wheel is in a certain position, the weight of the car pushes the air out of the tire, causing it to go flat quickly. That can happen easily.”

“Other times you get a flat tire immediately, like when you hit a curb hard enough or a big pothole. By the way, if this happens I encourage you to get your rim fixed immediately. If you ride on the tire with no air in it the rim will literally cut the inside of the tire. Eventually, the cords, which hold the tire together, will fail,” Manny said.

Can the driver tell that something’s wrong right away? “The funny thing is that on the outside the tire will look perfectly fine,” Manny said. “However, on the inside, it will be shredded to pieces. You will now have to buy a new tire. So, I recommend that you fix it quickly and save yourself the cost of a tire. Unfortunately, this happens often. Especially with low profile tires. People are surprised how quickly the bend will start cutting into the tire on the inside. Sometimes they don’t believe us, so we have to show them the shredded threads for them to take this risk seriously.”

What if the tire place told me that the wheel is bent?

Sometimes you might hear this if you have your car’s wheels balanced or you get new tires. So, that raises the question: is fixing a bent rim a need or a luxury?

“The consequence of driving on a bent rim with low air or no air is having to buy a new tire plus having to pay for the rim to be fixed afterward,” Manny explained. “How much would it cost you to replace your tire? Every car is different. Many good tires are $150 – $200 each. Bent wheels also have additional hidden costs. If you let it go, it eventually affects your steering, your suspension, and your alignment, so over time the cost of fixing these things increases.”

Do you offer a warranty for repairing bent rims?

“I guarantee the rim will hold air and balance out on the tire machine,” Manny said. “If the wheel can’t be balanced and it’s a little off, I will tell you so. Then you have 2 options: you can live with it, or you can buy a new one. If you decide to live with it, I’ll give you a discount because it isn’t within the “rounded” specifications we shoot for. On the other hand, if you want to buy a new rim…Then I’ll eat the labor. I want you to take that money and put it towards buying your new rim. So, it’s a risk-free offer. I assume all of the risks. There is nothing to lose by trying.”

Does the company you're considering offer a warranty for the wheel?

Does my car insurance cover this?

Here are a few things to consider:

  • First, talk to your car insurance agent.
  • Next, what’s your deductible? Most repairs are under $200 a wheel.
  • You might want to pay for cosmetic repairs out of pocket, instead of risking your premiums going up.

 

We want to thank Manny for talking with us today. You can learn more at Manny’s website. This ends Part 1 of our article on repairing your alloy wheels. In Part 2, we’ll discuss how to fix a cracked rim.

 

Need car insurance? We can help you find a great rate for your car insurance! Just give us a call or fill out our quote form today.

10 fireworks safety tips for the 4th of July (or any time of the year)

Stay safe while using fireworks.

The Fourth of July is here, and with it, lots and lots of fireworks. You might be thinking about putting on a display to celebrate Independence Day. Yes, fireworks are part of the Fourth of July deal, but they’re also very dangerous. It’s important not to underestimate the damage that they can do. According to the Consumer Product Safety Commission, about 250 people go the emergency room for firework-related injuries every day in the month surrounding July 4th.

But guess what? We’ve got some tips that you can follow to help you stay safe this Fourth of July.

Tip #1. Keep the pyrotechnics outside.

Set fireworks off outdoors and make sure to choose your location wisely. That means staying away from things that are flammable, including people, homes, and trees or bushes.

Tip #2. Have water on hand.

Just in case things get out of control, it’s a good idea to have some water handy. Have either some buckets or a hose that’s ready to go nearby.

Tip #3. Carry and set off fireworks intelligently.

Okay, a few basic rules for handling the pyrotechnics:

  • Don’t carry them in your pockets.
  • Don’t set them off from a metal or glass container – bad idea.
  • Light them one at a time.
  • Never place any piece of your body over the device while you’re lighting it.
  • Back up to a safe distance after lighting.
  • After they’re done burning, dump a lot of water on the used devices before you throw them away.

Tip #4. Use the fireworks as they’re meant to be used.

In other words, follow the manufacturer’s instructions. Don’t deviate from the instructions or try and make your own. And don’t combine fireworks for a bigger boom – that’s just not a good idea.

Be sure to follow the safety instructions on your fireworks.

Tip #5. Keep the audience at bay.

Make sure that the people who come to admire the pretty lights are a safe distance away. Also, make sure that they don’t get too close to the debris.

Tip #6. Wear goggles.

Eyes are sensitive. Fireworks can be especially dangerous for your eyesight, so make sure that you’re wearing come protective eyewear when handling and setting them off.

Tip #7. Don’t drink and fireworks.

This is just common sense. Alcohol and things that explode don’t mix.

Tip #8. Don’t try to force a firework to light.

If there’s a firework that just won’t light, don’t try to relight it after it doesn’t ignite the first time. Give it about twenty minutes, then dunk it in a bucket of water.

Be sure to handle fireworks safely.

Tip #9. Don’t let small children near the sparklers.

Sparklers burn at almost 2000˚F. That’s really hot – hot enough to melt some metals. Small kiddos shouldn’t handle sparklers, and you need to supervise very carefully if there are older kids using them. Set some ground rules for sparkler fun, too – no running, throwing, chasing, etc.

Another note – don’t let the kids pick up the remains of the devices after the show. These could still be flammable or liable to explode.

Tip #10. Make sure you’re respecting all relevant rules and laws.

You need to check and make sure that fireworks are legal in your area. Does your area even allow them?

If your area does allow them, you also have to check about the type of fireworks you set off. What kind of fireworks are allowed? (You should stick to the ones meant for consumers.) Make sure that you use the legal ones, not the illegal ones. Check out the rules and laws about what fireworks are okay and which are not. And for the ones that are not – steer clear. Do not use.

There may also be also certain restrictions on where you can set off fireworks and what time of day. Make sure you check those out. Also keep in mind that your specific neighborhood or city could have its own ordinances about fireworks, so don’t ignore those.

Bonus: Tip #11. Think about your pets.

If you’re going to have a show near your home, make sure you keep your pets safe. The loud noises could scare them, so make sure that they’re comfortable in an interior room of your house. Don’t bring pets to the display. They don’t understand why things are suddenly going boom, so they might not like it too much. You don’t want them to run away because they get spooked.

Don't forget that your pets might get scared because of the fireworks.

Bottom line: fireworks are dangerous.

Stay safe while you celebrate the Fourth of July, and take extra care if your patriotic plans involve a firework display. It might be best to leave the pyrotechnics to the professionals. Plus, it’s a lot less work to kick back and enjoy the show rather than putting it on yourself!

Sources:

http://kidshealth.org/en/parents/fireworks.html

https://www.cpsc.gov/Safety-Education/Safety-Education-Centers/Fireworks