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September 1, 2020
July 28, 2020
July 13, 2020
In recent years, excessive heat has caused more deaths than all other weather events, including floods. A heat wave is a prolonged period of excessive heat, often combined with excessive humidity. Generally temperatures are 10 degrees or more above the average high temperature for the region during summer months, last for a long period of time, and occur with high humidity as well.
There are three different excessive heat weather condition warnings:
Excessive Heat Watch - Conditions are favorable for an excessive heat event to meet or exceed local Excessive Heat Warning criteria in the next 24 to72 hours.
Excessive Heat Warning - Heat Index values are forecast to meet or exceed locally defined warning criteria for at least 2 days (daytime temperatures =100 - 105º Fahrenheit).
Heat Advisory - Heat Index values are forecast to meet locally defined advisory criteria for 1 to 2 days (day time highs =100-105º F.)
To prepare for these situations, listen to local weather forecasts and stay aware of upcoming temperature changes. The heat index is the temperature the body feels when the effects of heat and humidity are combined. Exposure to direct sunlight can increase the heat index by as much as 15º F.
Know those in your neighborhood who are elderly, young, sick or overweight. They are more likely to become victims of excessive heat and may need help. People living in more urban areas are at greater risk than people living in rural areas. Ensure your animals’ needs for water and shade are met.
There are two major types of heat related illnesses Heat Exhaustion and Heat Stroke
If heat exhaustion is left untreated it can lead to heat stroke. Although both conditions are serious, heat stroke is a major medical emergency! The critical thing to do is get the victim’s body temperature cooled down. Heat stroke can lead to death.
Remember Heat Stroke is a medical emergency and can cause the victim to slip into a coma - getting a victim’s body temperature cooled down is more important than getting fluids in their body! The first 60 minutes of treatment are critical to avoid organ damage. Recovery may take from 2 - 12 months depending on the extent of overheating damage.
Dave Reed Insurance, the Peace of Mind People®, cares about our customers. Feel free to contact us with any insurance need at (888) 600-7333.
June 22, 2020
You’ve likely heard it said all personal auto policies are the same; the only difference is the price. Perhaps you’ve even made the assumption yourself at one point, but this just simply isn’t true!
Policy language and coverage varies from carrier to carrier, and while some may be similar, others – like the discounted, direct-marketed insurance policies – have coverage gaps or lack coverage altogether. As you find disparities in coverage, you’ll likely find disparities in price!
When considering these disparities, it’s important to consider the cost of a policy with its worth. We know what the cost of a policy may be, but what about worth?
Is a lower-cost policy worth finding out there is no coverage after a loss? Absolutely not! As an independent agent, we would like to share some differences to our policyholders and explain why the worth of a policy is more important than the cost.
Let’s take a look at how an Auto-Owners policy can increase the worth! While other popular policies have exclusions or limitations to reduce the price, Auto-Owners can provide coverage. For a complete description of coverages, the policy form must be consulted.
It’s clear no two policies are alike, whether it’s coverage, price or overall worth. A broader coverage form can provide for unexpected losses for which your policyholder might expect to have coverage.
An Auto-Owners personal auto policy offers that broad coverage expected by policyholders, providing worth at a reasonable price. You may select Auto Owners Insurance through Dave Reed Insurance, The Peace of Mind People®. Any additional questions, please call 888-600-7333.
Note: The analysis of coverage is in general terms and is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the printing of this material.
Thanks to Karen Saenz, ASI, ACS, AIC, AIM, AINS, AIS, AIT, senior underwriter, personal auto underwriting for sharing this article.
June 21, 2020