5 Things to Prepare for a Winter Storm

It looks like we have our first “real” winter storm heading our way with 6-10 inches of snow expected to hit southern New Hampshire including our Keene, NH insurance office.  A Winter Storm warning has been issued in New Hampshire for the following Locations: Cheshire; Eastern Hillsborough; Western and Central Hillsborough.  After last year’s uneventful winter, we may get more snow this season than we are expecting.  Don’t get caught unprepared!  Here are 5 things to prepare for a winter storm that Downey Insurance Group recommends you check out before the storm hits.

1. Your Vehicle:  Check fluid levels including oil and windshield washer fluid, have an ice scraper handy for windshields and windows, and check your tire pressure.

2. Your Roof:  Ice and water damage is covered under most Homeowners Insurance policies, but if you can avoid a claim and a headache everybody wins.

3. Your Driveway and Walkways:  Ice melt or sand is a must.  Also make sure that your snow shovel and/or snow blower is in proper working condition.

4. Your Survival Kit: Is anything expired?  Do you have enough batteries?  Go over your family communication plan and make sure your cell phones are charged in case of power outage.

5. Your Neighbors:   If you have any elderly neighbors or neighbors with small children they may need your help with the above.

From your friends at Downey Insurance Group we hope you stay safe this winter!  For a more detailed winter storm preparedness checklist FEMA has a Winter Storms & Extreme Cold website with some great additional information.

Prevent Holiday Stress

Without preparation and the development of an organizational system, the holidays can become quite stressful. When you are tired and stressed, it’s nearly impossible to enjoy the time spent with family and friends. There are numerous steps you can take to ensure that your holiday is stress-free and immensely enjoyable.

Preparation is one of the first steps involved in creating a safe and happy holiday. Statistics indicate that there is a significant increase in home fires during the holiday season. If you do not have smoke alarms throughout your home, this would be a good time to invest in some. If you have detectors in place, check the batteries. It is also advisable to have a working fire extinguisher in the kitchen and possibly other areas of your home.

It is not wise to multi-task while cooking. Plan your cooking schedule so that you can remain in the kitchen while cooking. An unattended stove can be potentially dangerous. It is advisable to make the kitchen a kid free zone when stove top cooking is in progress.

It’s quite possible that more visitors will pass through your home during the holidays than any other time of year. You can gain peace of mind by inspecting your home and fixing any safety hazards you see. You don’t want visitors tripping over electrical cords connected to holiday decorations, lamps or electronics. It’s also a good idea to make sure candles are not placed in areas where they can easily be knocked over. The National Fire Protection Association statistics show that almost half of all home decoration fires start with candles.

As part of your holiday preparation, you should review your home and auto insurance policies to be sure you have the coverage you need. An increase in holiday traffic raises the risk of accidents. Extra cooking, more visitors and holiday decorations also increase the risk of having to file some type of insurance claim during the holiday season.

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Avoid Drinking & Driving: It’s National Impaired Driving Prevention Month

December is National Impaired Driving Prevention Month. The president named this month in 2010 in response to the increasing number of arrests for driving under the influence. Uniform crime reports available from the FBI indicate that authorities arrested 1.4 million people for driving under the influence in 2010 alone. The approaching holiday season means that there will be more drivers on the road traveling, attending celebrations and doing holiday shopping. Drivers can protect themselves by keeping their car insurance current, checking their coverage and following these tips:

*Even one drink is too many if you plan to drive. Drivers are significantly less alert after only one drink, which leads to greater risk of an accident.
*If you plan to drink, arrange for a designated driver.
*Do not get in a car with a driver who is under the influence of drugs or alcohol.
*Be aware that prescribed medications may impair your ability to drive.
*Educate your children about the dangers of impaired driving.

Car insurance is a critical part of protecting yourself against impaired drivers. Impaired drivers may have suspended licenses and may not carry insurance. Keeping your insurance up to date ensures that you will be covered in the event that you are involved in an accident. Check with your insurance company to determine to what extent your policy covers uninsured motorists, property damage and bodily injury. December is a busy month when a lot of people drive more than usual. Taking the right precautions, such as having the right car insurance coverage, is the first step in the fight against impaired driving.

Drivers can also stop impaired driving by reporting impaired drivers to the police. Too often drivers do not want to get involved or wait for someone else to report a drunk driver. You should notify law enforcement as soon as you see an impaired driver because law enforcement will get that person off of the road. The holidays and the roads are extremely busy in  December and January. Protect yourself with the right car insurance and by avoiding situations where you or others drive while impaired.

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Downey Marketing Intern Alycia Dafoe Continues to Shine at UMASS Amherst Isenberg School of Management

One of our marketing inters, Alycia Dafoe, of Marlborough, MA is strategically taking the knowledge and experience she acquired with us at Downey Insurance Group and is applying it to her college education at UMASS Amherst.  Alycia worked on our Blog Great Insurance People, our Facebook Page, Twitter Account and our You Tube Channel during her time with us.   But her work on our Great Insurance People Blog has had the most impact for our agency.  Her two top performing blog post Downey Insurance Supports the Make-A-Wish Foundation and New Hampshire Passed New Legislation Regarding Subcontractors have brought in over 2,300 page views to our site.  We value the time that Alycia gave us, and she has also taken full advantage of the opportunity.  If you or someone you know would be interested in interning with us at Downey Insurance you can contact Catie Downey Potenza at [email protected]. Here is an update from Alycia: As a junior in high school, I was very fortunate to have the opportunity of having an internship through Downey Insurance, working with the Social Media Marketing side of the company. Knowing I wanted to study marketing in college, I was ecstatic to be learning new skills and having real world applications. At my time with Downey Insurance, I learned the ins and outs of Social Media Marketing when it came to Facebook, Twitter, LinkedIn, YouTube, and blogging. Now in my second year at the University of Massachusetts, Amherst, in the Isenberg School of Management, double majoring in marketing and communications, I have been able to apply the knowledge I learned at Downey Insurance in my business courses; specifically in my Career and Professional Development seminar. The Career and Professional Development class is geared towards preparing students for success in career competencies such as internship/ job search skills, industry research, assessment of skills and professional branding, and professional etiquette. Specific activities that are included are resume writing, developing an “elevator” pitch, learning about academic majors and their links to career outcomes, meeting one on one with corporate guests for feedback on resumes and interview skills, building a professional network, and improving our online presence. An assignment that was given in this class was to gather information about the field we are interested in through an informational interview. Catie Downey Potenza, Downey Insurance’s Social Media Marketing Manager, provided me with further insight about the marketing field. Even though the informational interview was for an assignment, I view the knowledge that Catie gave me as valuable tools for getting ahead in the field. I really appreciated her responses because they gave me an idea of what is to come ahead. I think it is important to learn as much about the industry you are interested in so you know you have the right fit when you search for a job. In a discussion about branding and media presence in the class, I was able to add to the conversation some knowledge I had learned through my internship at Downey Insurance. The topic of Search Engine Optimization (SEO) came up, and I discussed my experience with using Astonish Results at Downey Insurance and how it was interesting and useful to see the back end and logistics side of what you are putting out there on the Internet. Not only was my internship with Downey Insurance a great way to learn valuable skills that I will use in my future career, I was also able to form relationships with the amazing staff there. I hope to maintain my connections with them, continue to learn more about the marketing industry with more marketing specific courses, and be able to apply the skills I’ve acquired.

Do We Really Need more Stuff? How About the Gift of Peace of Mind with Life Insurance

I have been thinking a lot about Life Insurance in the last few days.   I tend to do this around the holidays with all the hyper focus on family and people’s purchasing habits for the holidays.   I have had two encounters lately that made me think really hard about what motivates people to choses Life Insurance or not, I will explain later.   I think the single most important factor is: Would your family be able to financially survive without you?  Could they pay the mortgagee, car payments, monthly bills, grocery bills, college tuition?   If the answer is NO then you need life insurance!    But this factor alone does not always motivate people to secure a Life Insurance Policy for themselves and their spouse.  Unfortunately, sometimes it requires a “wake up call” if you will.  A close call, that feels like a second chance.  Being an independent insurance office we see all lines of insurance every day, Personal Auto, Workers Compensation, General Liability, and in the nature of our business we see claims.  A lot of claims.    Most are minor accidents, that are filed without much shock and awe, but then there are the occasional ones that hit you like sledge hammer, and these are the ones where “Did they secure a Life Insurance Policy?” is at the front end of the conversation.  The answer is not always yes, and then the conversation becomes different.  It is now about how the family will “get by” or not without them.    Then you have the “planners” that call the day after their wedding to secure a life insurance policy for their new spouse, and future family.  These people “get it” and they make our job easy!  We can sleep well at night after talking with these people, and the most important truth is: SO CAN THEY.   So why are some people more likely to secure the protection that your family needs while others are not?  I wish I knew the secret formula.  Especially around the holidays, all you see is:  Buy stuff!   YOU need more stuff!  But do we really need more stuff?  How about the gift of Peace of Mind!  That gift could last a life time.   If you would like to talk about your Life Insuacne options, Charlie Downey is your man.  You can email Charlie at [email protected]   ~Catie Downey Potenza

Tips to Prevent Kitchen Fires This Season

Thanksgiving is once again upon us, and across the country we are beginning to see pumpkin bread and cinnamon being stalked on the grocery store shelves with a background of holiday music. While the holidays provide a great time for family bonding and good food, studies have shown that more home insurance claims are made on Thanksgiving than any other day of the year, and this is primarily caused by kitchen fires. There are some simple tips that can be followed to reduce your risk becoming part of this disturbing statistic this holiday season.

Don’t Leave Food Unattended

One of the most common kitchen fire causes is that, with so much going on, Thanksgiving cooks often leave food unattended to deal with other activities. It is important to remain in the kitchen at all times. If the cook must leave the room, the heat should be turned off of anything on the stove or in the broiler.

Clean Your Workspace

The stove is a busy area during Thanksgiving Day. It is the workspace of the cook for the day. Just as an office employee benefits from organization on his or her desk, it is necessary for the cook to keep the area around the stove tidy. Many fires are started as a result of a potholder or other flammable object coming into contact with the stove flames.

Equipment Check

About a week before the holiday, it is strongly encouraged for those hosting a Thanksgiving meal to replace smoke detector batteries. An added measure of making a fire extinguisher readily available can also save a house in the event of a fire.

Proper Grease Disposal

Thanksgiving cooking involves a lot of grease, and we typically try to remove as much of it as possible. Hundreds of people, however, make the crucial mistake of throwing hot grease in the trash. While this normally causes no problems, there is the chance it could catch something on fire. Rather, it is good practice to allow the grease to cool off and then store it in a container.

We at [astCompanyName] hope these tips help you survive a joyous holiday season with no risk of house fire.

 

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