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Personal Insurance

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By November 27, 2018No Comments

We just finished a season of thanksgiving, pumpkins, turkey and a confused fall. Now we have increased anticipation for Christmas. This magical time of year brings a plethora of unforgettable memories, hot chocolate, The Christmas story, colorful Christmas lights illuminating our homes, and way too much indulgence in Ghiradelli peppermint bark. And dont forget plenty of snow, snow, snow, snowwwwwwww!!!!! Every time I see snow falling out my window, I have mixed feelings. Clutching my warm mug of half hot chocolate/half coffee, I soak in the beauty and purity of the snow as it falls, covering the trees and rooftops. It brings a sense of comfort and official-ness to the holiday season.

However, after all those warm fuzzies subside, I’m instantly filled with the semi-paralyzing thought, “Good gracious, I have to drive to work in this stuff!”  Now, you more experienced snow folks out there are probably laughing at me, because let’s face it, it’s really not that bad to drive in the fluff. But my Florida roots send me into a slight panic, and I admit, it’s one of the worst places to be mentally while driving. I sure don’t want to be the cause of an accident.

Speaking of accidents, this holiday season brings an increase in the amount of claims reported. By no means do I want to take the joy out of Christmas, or life, by being a “Debbie Downer”, but I do think it’s extremely important to understand the risks that the holiday season brings.

Various claims reported especially during the holidays include, but are not limited to:

  1. Theft
  2. Frozen pipe(s)
  3. Sliding off the road/rear ending the person in front of you due to black ice etc.
  4. Hitting deer
  5. Slipping on ice

In the event that anyone of these incidents occur, or any incident for that matter, remember to SPIKE.

Safe Place. Make sure you are safe first and foremost. Whether that is exiting your home in the event of a fire or unsafe situation or pulling your car off to the side of the road.

Police and pictures. Call 911 (auto or theft) and take pictures (all claims) while you wait IF it is safe.

Information exchange. Exchange information with other party(s) involved.

Keep damage from getting worse. Broken window? Cover it to prevent elements from coming in. Did your pipe burst? Clean up the water as best you can and get a fan blowing.

Engage your insurance company. Call your agent and let them know what happened. They will be able to walk you through next steps including repairs and/or replacement if needed.

The holidays don’t have to be stressful, and knowing potential risks and solutions is beneficial. Don’t hesitate to contact us if you have any more questions. Happy tree hunting and Christmas movie watching my friends!