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A House Mishap You Might Not Be Aware Of

Tuesday, July 29th, 2014

How to avoid home damages caused by soil movementThough built with concrete, steel, and wood, your home isn’t immune to damages.

As it ages, it will gather dust and lose the brilliance of its original paint. Its wooden parts wear out and might even attract insects. While your aluminum and steel roofing and pipes might get rusty and need replacement.

But there’s another thing that’s ruining your home in silence. It works underneath but the wreckage it brings could be big that you won’t be ready for it.

Cause and effects of soil movement

We know that the earth constantly moves but its tiniest bit – soil is also often in motion. And these tiny movements can damage your home from below.

The ruin it does goes up to your floor, walls, tiles, and pipes which could make the whole house collapse.

Its main cause is severe weather changes like drought, continuous rain, and storm, which undoubtedly we can’t control. However, you can be prepared and have your home checked and repaired to prevent an even bigger disaster.

Preventing further damage of shifting soil

The first signs that your home is being damaged by soil movement are cracked floors and walls, and misaligned windows and doors.

In severe cases, you’ll hear creaking sounds or see your floors and walls having holes or becoming uneven without you knowing how it happened. This is an indication that the foundation of your home is crumbling.

If you notice this contact a foundation repair company immediately. They can apply the necessary patches in and around your house.

You could also ask a home inspector to survey your house before and after the repair to make sure you got everything fixed.

Before buying a house

If the condition is extreme though, moving homes might be a better decision. Should you choose to do this, get the help of your local home inspector again to double check if the new home you’re considering is sturdy and can withstand soil movement. Cracks on sidewalks and roads are again signs that a neighborhood is prone to foundation problems.

And get in touch with your local insurance agent to have the right coverage in your home insurance. Your insurance may not prevent soil from moving and damaging your house but it can help you have funds for small and big repair when the right coverage is in place.

For this particular need in the Hudson Valley New York City area, feel free to contact Joe DiCesare via phone or email.

Photo credit: U. S. Fish and Wildlife Service - Northeast Region

Road Safety Reminders Parents and Teenage Drivers Should Keep In Mind

Tuesday, June 3rd, 2014

safe driving reminders for teenagersHaving a driver’s license doesn’t mean your teenager can drive safely all the time. In fact, the National Highway Traffic Safety Administration (NHTSA) reported that the 32% of the 4,347 car accidents in 2013 consisted of 15 to 20 year old drivers. And 50% of them were in high school.

This is an alarming number and the same report shows the primary reasons for those crashes – drunk and distracted drivers.

If you’re a parent you probably could not resist the need to talk with your teenager about precautionary measures he should do to avoid this dilemma as the worst may not always happen in car accidents but more often young drivers will get some type of injury.

To help you get started with your parent-child talk here are some road safety reminders you can include.

Mind what you’re feeling

Teenagers experience the most number of changes in their bodies and emotions. It’s just a natural part of this stage in life. They get mad, hyper, sad, and scared in short intervals of time. Their bodies are also hungry for rest so they crave a lot of sleeping time. And these emotions and regular body needs could attack even when they’re driving.

So remind your teenager to be mindful of their feelings when driving. If they’re having extreme bursts of emotions or are feeling they need a shuteye, advise them to pull over to the side of the road and spend some minutes there until they’re more relaxed and most especially, until they regain their focus to drive safely.

Your phone and the internet can wait

Texting, even talking over the phone, while driving is a big distraction. As mentioned earlier, being distracted is one of the top reasons for car accidents. Receiving calls and text messages, even post updates and tweets from social media accounts are normal nowadays but attending to them while driving is not normal at all.

Remind your teenager that those notices can wait. The only things they should give complete notice while on the road should be the road itself.

Alcohol and driving are never going to be friends

Drunk driving has been the cause of road fatalities since cars have been invented and that’s not about to change very soon. The effects of drinking alcohol are better faced while on the couch or bed. Expressing your concern about this deed to your teenager is always a thoughtful act. Don’t let up on it.

These reminders will help keep your teenage driver alert on the road but having auto insurance will help both of you cover expenses should accidents still happen. After all, accidents are still unforeseen occurrences. If you’re in Newburgh, New Windsor or Marlboro, NY, contact Joe DiCesare, your local and long-time NY insurance agent to find out your best options.

Photo credit: capohanka

Calculating Driving Discounts with Snapshot

Friday, April 11th, 2014

save on auto insurance with snapshotSafe driving now saves you even more on your car insurance. Thanks to Snapshot, people are reminded to pay better attention to their own actions as well as the actions of other drivers on the road.

Snapshot is an ingenious tool that places the costs of individual drivers’ insurance policies in their own hands. It translates to people changing their behavior on the road because they know their actions are being monitored. More importantly, it encourages them to pay attention to and avoid other hazards on the road.
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Do You Need Pet Insurance?

Friday, April 4th, 2014

learn about pet insuranceFor decades, we’ve heard about the high costs of health care. But, when was the last time you took Fido to the vet? Pet care and pet health is rising exponentially as people are more and more inclined to treat pets like cherished members of the family.

In fact, MSN Money estimates that of the nearly 45.4 billion dollars Americans spent on their pets in 2009, nearly 27 percent of that staggering figure was for veterinary care and expenses. Unfortunately, more people are traveling with their pets by car, boat, planes, and trains and when accidents occur, pets are often victims as well.
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Avoid Roadside Assistance in Your Policy

Friday, March 28th, 2014

roadside assistance and auto insuranceThere are all kinds of items and add-ons that look necessary when purchasing your insurance policy. The reality is that some of them will do more harm than good for you if you ever make a claim on them.

Why is Roadside Assistance Such a Bad Thing?

Truthfully speaking, it isn’t. In and of itself, roadside assistance is a smart thing to have. Just make sure you don’t roll it into your insurance coverage.
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Flood Insurance Basics

Friday, March 21st, 2014

flood insurance basicsWild weather and a few unnatural disasters in recent years have brought the genuine need for flood insurance in most areas of the country to light.

From devastating storms, such as hurricanes Katrina and Sandy, to record snow melts and storms that seem to crop up out of nowhere leaving disasters in their wakes, people are beginning to ask necessary questions regarding flood insurance.
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How to Keep Your Auto Insurance Costs Down

Friday, March 14th, 2014

lower car insurance costsAuto insurance is required in all U.S. states. The minimum coverage varies greatly from one state to the next.

However, more than minimum coverage is often needed in order to adequately insure the investment you’ve made in your car — not to mention the money you still owe if you are making payments on your vehicle. These are a few things you can do to keep your insurance costs lower while getting the coverage you need.
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Benefits of Whole Life Insurance

Friday, March 7th, 2014

benefits of whole life insurance policiesMost people don’t give much thought to life insurance. For some, it’s about what comes “after” and that’s not something the average person is comfortable thinking about.

However, before you make your life insurance decision, it’s a good idea to explore the potential immediate and long-term benefits of a whole life insurance policy rather than a term life policy. Term-life insurance may look like a better value up front but the benefits of a whole life policy are undeniable.
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Auto Insurance for College Students

Friday, February 28th, 2014

auto insurance for college studentsCollege represents exciting times in the lives of students. It’s also a time filled with decisions and difficult choices about how to budget life, learning, and recreation. It’s a delicate balance where missing important details and purchases could cost you big in the long-term.

Purchasing auto insurance for college students who own cars is not an optional expense. The good news, though, is that you don’t have to invest all of your available funds into buying insurance. While most college students are still young and somewhat inexperienced drivers, you can find affordable auto insurance for this age group.
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Workers Compensation Benefits to Employees

Friday, February 21st, 2014

understanding workers' compensationIf you have employees, you already know that workers’ compensation benefits are an absolute requirement. What you may not understand, though, is why it’s so important?

Most people don’t understand the full benefit, or potential benefit, of any insurance policy until they find themselves in need of that insurance. As an employer, you’re not often on the receiving end of workers’ compensation benefits, so it’s a little more difficult for you to gauge the benefit and value.
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