Stop immediately and as close to the accident site as is safely possible.
Do not move your vehicle unless directed by a police officer or if it is in a position to cause another accident. Check everybody involved for injuries. If the accident was more serious than a fender-bender, call 911 immediately. To protect victims from further injury, don’t move them. Cover them with a blanket or jacket and wait for the paramedics to arrive.

Only discuss the accident with the investigating officer. Do not blame anyone, including yourself. The police will tell you what to do next—such as whether you should move the vehicles out of traffic. While you are waiting for the police, exchange insurance information with the other driver if possible.

Information you will need to obtain:

• Name of driver
• Their driver's license number
• Name of their insurance company
• Phone number of company or agent
• Effective dates of their insurance policy
• The driver’s phone number

Other important information to collect at the scene includes:

• Names of all drivers and passengers involved in the accident
• Make, model, color, and license plate number of each vehicle involved
• Names, addresses, and phone numbers of witnesses
• Photos or drawings of the accident scene and damage to each vehicle
• Names and badge numbers of police officers and responding medical teams
• Information on how you can receive a copy of the police report
• If you hit an unattended vehicle, try to find the owner. If you are unable to locate the owner, leave a note with your name and phone number on the car’s windshield.

After the investigating officer has completed a report and you’ve received any necessary medical care, phone your insurance agent, or company claim hotline as soon as possible, even if you weren’t at fault or are far away from home. The sooner your agent receives the information, the sooner your claim will be processed and reviewed.

Throughout the claims process, you must tell the truth about all aspects of the situation, even if the circumstances surrounding the accident are embarrassing or detrimental to you. Insurance fraud is a crime with very serious consequences. 

--Content used in this post is used with permission and was originally published by Penn National Insurance.

Arm your home against ice damming.

An ice dam is a ridge of solid ice that forms at the edge of the roof caused by melting snow that runs down a warm roof surface and freezes when it reaches the cold roof eave edge.

Continually melting roof snow causes water to pool behind the dam. The water works its way under the roof shingles and into the house—running down walls, along ceilings and across floors. A roof full of snow could result in hundreds of gallons of water coming into the house. 

Preventing Ice Dams

If the underside of a roof, typically the attic space, remains nearly as cold as outside, little to no unwanted roof snow melting will occur. To keep a "cold roof," consider the following:

• Add insulation. More insulation on the attic floor keeps the heat where it belongs and out of the attic.

• Install ridge and soffit vents. A ridge vent paired with continuous soffit vents circulates cold air under the entire roof.

• Cap your attic hatch. An unsealed attic hatch or whole-house fan is a large opening for heat to escape. Enclose these with foil-faced foam board insulation and aluminum tape.

• Install sealed recessed lights. Older recessed lights give off excessive heat and cannot be insulated without creating a fire hazard. Replace them with sealed insulation contact (IC) rated fixtures, which can be covered with insulation.

• Seal and insulate ductwork. Seal joints of HVAC ducts and exhaust ducts and wrap with foil faced insulation to prevent heat from escaping.

• Consider an energy assessment. An assessment can pinpoint exactly where you are losing heat in the home. It can save you money and possibly prevent ice damming damages.

Enhance Your Protection During the Building Process

The best protection against ice dam damage is to combine cold roof techniques with the installation of an ice shield under the roof itself. This is a waterproof barrier that is installed under the shingles to protect the inside of the house if ice damming occurs. Water cannot penetrate the waterproof roof membrane, which even provides a seal around nail hole openings.

If Ice Damming Occurs

If an ice dam develops and you do not have a waterproof underlayment, contact a licensed and insured roofer. Ice dams are as hard as concrete, and trying to access the elevated roof edges is difficult. Attempting to remove an ice dam yourself can be dangerous.

If water is coming into your home as a result of an ice dam, contact a licensed and insured roofer to remove the snow from the roof, minimizing additional water coming into the house. Address interior damages with buckets and towels wherever possible.

Source: AIG and Westfield Specialty Brokerage.

7 ways to put a freeze on winter fires

Home fires occur more in the winter than any other season. Half of all home heating fires occur in the months of December, January and February. Here are seven tips that can help prevent a devastating fire at your home this winter:

1. Keep anything that can burn at least three feet from any heat source like fireplaces, wood stoves, radiators or space heaters.

2. Keep portable generators outside, away from windows and as far away as possible from your home.

3. Install and test carbon monoxide alarms at least once a month.

4. Have a qualified professional clean and inspect your chimney and vents every year.

5. Store cooled ashes in a tightly covered metal container and keep it outside at least 10 feet from your home and any nearby buildings.

6. Plug only one heat-producing appliance (such as a space heater) into an electrical outlet at a time.

7. And most importantly, don’t forget to install and maintain working smoke detectors.

Be fire smart as you stay cozy and warm this winter.

Source: National Fire Prevention Association.www.nfpa.org/winter

When the Weather Changes – Clean, Inspect, and Be Safe! 

The weather is changing fast! The three main things to remember is to clean, inspect, and follow these basic common-sense safety precautions. These will help ensure that your home is warm and cozy for the chilly nights coming up! These tips will help make your home safer and more energy-efficient, as well as help prevent mold and water damage during the cold weather months coming up!

Cleaning
A very easy first step to getting ready for the cold seasons is to clean all of your household humidifiers and dehumidifiers. These are easily cleaned with vinegar and water. Be sure to replace or wash the filters as well. As the air inside and outside your home gets colder and dryer, you may want to put a humidifier in. The down side of using a humidifier is the possibility of too much humidity. This may cause mold growth. To avoid this possibility, the humidity in your home should not exceed more than 45%. On the opposite end of the spectrum are dehumidifiers. As this time of the year is also hurrricane season, your basement may become cold and damp. A good way to stop or slow mold growth is to have a dehumidifier drying out those damp areas.

When was the last time you cleaned your furnace? Check with your local HVAC company for cleaning guidelines. If you don’t, you could get a buildup of dust or sediment (depending on if your basement is finished or not) and it could become a fire hazard! It’s a good idea to change the furnace filter at this time of the year also. Be sure to stock up on filters so that you can change them as necessary! When considering cleaning your heating system, don’t forget the ductwork. When was the last time your ductwork was cleaned? Think of all the dust and debris that has built up in you ductwork. Once the heat goes on, that dust and debris begins to circulate as well. If you have pets, it is recommended that you have your ducts cleaned at least one every 4-5 years.

Inspecting
Doors & Windows: While some items may require professionals, there are many things homeowners can do themselves to get ready for the winter. The first such is to inspect your property’s doors and windows. They are a homeowner’s first line of defense against the cold and elements. Check for any drafts. Caulk inside and out, where necessary, to keep heat from escaping. Inspect all weather stripping around windows and doorframes for leaks. Replace weather stripping, if necessary. Further, examine wooden window frames for signs of rot or decay. Repair or replace framing to maintain structural integrity as needed. A little maintenance now can help save on big repairs later! In older homes, with single pane windows, hang insulated curtains or seal the windows with 6 millimeter plastic. Installing storm windows on the outside gives homeowners a more permanent fix. All of these suggestions could help with savings to your cold-weather heating costs.

Heating Systems: Some inspections should be handled by professionals only. The fall is the time when it is a good idea to have your furnace inspected by a qualified HVAC company. It is always a good idea to make sure it is in good running order for the cold weather ahead. Hire an HVAC professional to test for leaks, check heating efficiency, and change the filter. They can also do a carbon monoxide check to ensure air safety.

Hot Water Heater: Hot water heaters require maintenance too. This is the time of the year when homeowners should flush hot water heater tanks to remove sediment. Check the pressure relief valve to make sure it’s in proper working order. Consider an insulated blanket for your hot water heater. Insulated hot water heaters are more energy efficient! If your hot water heater is part of your heating system, this is the time of year to bleed valves on the radiators to increase heating efficiency by releasing air that may be trapped inside from the months of non-use.

Fireplaces & Chimneys: Check your chimney and fireplace before you burn anything in it. It has been several months since it has been used, so make sure they are safe to use this season. If you are doing it yourself, you’ll need to inspect the firebox and flue system to ensure that they’re clean of any soot or creosote and that there aren’t any cracks or voids that could cause a fire hazard. Check your firplace for drafts. It it’s cold despite the damper being closed, the damper itself may be warped, worn, or rusted. Consider installing a Chimney Balloon into the flue to air seal the area tightly (for your safety, consult a professional before you undertake this option!). Clean out any ash or soot in your fireplace. If you aren’t comfortable doing this yourself, hire a professional. They will be able to inspect and clean it the right way!

Outside Faucets: A big thing that many people forget about is their outside hoses. Be sure to turn off any spigots and remove any hoses from outside your home. Interior pipes close to your outisde walls can burst and then your basement can fill with water. Some older homes even have a shut off valve in the basement that will turn off all your outside water. Depending on your climate, you irrigation system may need to be drained and checked as well. Have a professional perform any necessary repairs and mark sprinkler heads near snow removal areas.

Programmable thermostats: If you have one, program it to make your home more efficient by automatically raising and lowering the temperature as your schedule allows. You can even program it for vacations to be at a low temperature that is still high enough that none of your pipes or windows freeze while you are gone, but return to a warm home.

Ceiling Fans: Make sure fans are switched to the reverse or clockwise position, which will blow warm air down to the floor for enhanced energy efficiency and comfort. During cold spells, keep cabinet doors open to allow warm air to circulate around pipes, particularly those in the kitchen and bathroom.

Safety First!
Make sure you also test all your home safety devices! Test all your smoke detectors, fire alarms, and carbon monoxide detectors. These are a homeowner’s first line of defense against potentially life-threatening situations! Since you will be spending much more time in the house, you will need to make sure these are all in excellent working order.

Always have a fully-stocked emergency kit at hand. Include batteries, a flashlight, candles, matches, and a lighter; warm clothes and blankets; a battery-powered radio; non-perishable food items and water (two liters per adult per day); a first-aid kit and specialty products like medicine, baby formula and pet food (if necessary). Try to store at least three days worth of supplies for everyone in your household.

--Content used in this post was originally published by Major Restoration Services and is used with their permission.

A recent study concluded that 69 percent of home owners are under-insured. Unfortunately, many home owners think they are fully protected and are stunned to find out at the time of loss that their coverage is inadequate.

Getting the right homeowners insurance coverage for your home and belongings depends on many things, from crime rates, tornado risk and wildfire hazards in your area to the specific personal property coverage and deductibles that make the most sense for your household.

Here are a few key strategies you may want to consider to make sure you have adequate home insurance:

• Increase your liability insurance with an umbrella liability policy, which will provide liability coverage up to $1 million or more.
• Get replacement cost home insurance to cover what it would cost to replace your home and personal property, instead of “actual cash value” coverage, which will only cover the current depreciated value.
• Be sure to read over the policy's exclusions carefully and ask your agent if any of these items are a risk, and if you can purchase additional insurance to cover them.
• Add coverage for specific items of value, such as jewelry, art and collectibles, through “endorsements” or “riders” on the policy.

While you may be able to buy online homeowners insurance, consider working directly through an agent who can provide in-depth explanations of each aspect of your policy. When you buy home insurance, you are protecting your financial future. Take time to seek good advice from a knowledgeable independent agent.