Tag Archive | lees summit mo

Spring Rain. IS YOUR HOME READY??

Spring is finally here and so are the spring rains.

So far, the rainfall has come at a slow and steady pace, rather than a lot of rain in a short time.

We’re Off To A Good Start

This is a good way to start the spring rainy season!

Why?

Because of our dry winter, the soil along the foundation has probably contracted and shrunk, leaving a lot of large cracks. This makes it easy for heavy rains to run straight towards your foundation, basement walls, and footings.

What To Be Looking For Before Storms Start Pouring Rain: 

#1 – Is Your Sump Pump Working Properly?

Your sump pump is the most important part of your home’s waterproofing system. But is has to be properly maintained!

 

The impeller should be connected to the sump pump with bolts and may need a thorough cleaning to work properly.

To test your sump pump read 5 easy steps in our previous blog here: 

#2 – Is There Water in Your Basement?

Pay attention to any water in your basement or other signs of leaks.

Usually this is a sign of problems in other places, often on the outside of your foundation walls.

Which leads to the next question…..

#3 – Do You See Water “Ponding” in Your Yard?

Watch where the water flows in your yard, and pay special attention to any place you see standing water.

If there are pools of water close to your foundation, it could mean there’s a problem.

Check your gutters or downspouts to make sure they are cleaned out and working properly.

Also check the location of your discharge for your downspouts and your sump pump. We recommend these discharge at least 10 feet away from your property.

And make sure your landscape slopes away from your foundation. It’s common for the soil near the foundation to settle over the season, which could cause water to pool in any low spots.

What To Do If You Find a Problem

If you see any problems, you should get them checked out right away. Contact a local, reputable foundation repair or engineering firm for an inspection.

I Am Starting a New Business and Need Insurance, What Should I do?

Congrats on starting your own business!  It can be exciting, nervous, scary, and overwhelming all at the same time!

One of the first things that you need to do before you sign a lease, sell a product, or open your doors to the public is to get proper business insurance set up.

Most people will go straight to their auto, home, and life agent for a policy quote and then buy the policy without completely understanding the coverage and the risks of their business and this can be a HUGE mistake.

The issue at hand is having the correct coverage. Most State Farm, Allstate, Farmers, American Family agents know auto/home/life policies but don’t completely understand commercial or business policies. This equates either paying too much for the coverage or paying for a policy that WILL NEVER help you if you truly did need it. Also all of the above companies only carry general liability and NOT professional liability. Not every business needs professional liability but quite a few do and often they don’t realize it. I represent Farmers Insurance and we write quite a bit of commercial policies with Farmers but if it’s a hard to place business or something that we cannot write thru Farmers I can broker it to a carrier who will help place the risk.  If you’re are either starting a business or if you’re not comfortable that your agent sold you the correct coverage at the correct price, give us a call at 816-795-5977 or email at jolson3@farmersagent.com.

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June Tips

When summer arrives, many people leave the day-to-day routine behind and go on vacation in June.  Hopefully you’re planning a trip sometime soon too!

But what do you need to know before you hit the road? Consider these special situations:

Rental Cars  – If you choose to rent a car, make sure you understand how your insurance works. A rental car company will want to sell you special coverage to cover the car while you are driving it. The insurance will cost you a certain amount extra each day. But did you know that your current insurance will typically also cover you at no additional cost?

However, if you have a claim filed on your current policy, your rates could go up in the future.  And rental car companies could file a claim for very minor damage.

Obviously it is a risk either way, but make sure you know your options. And please contact us BEFORE renting a car to find out what is specifically covered on your policy.

Hosting A Barbecue  – It’s always fun to throw a summer barbecue. It’s even more fun when you aren’t worried about your insurance! Your homeowners and renters insurance covers you if someone is injured on your property due to your negligence. That means that if they trip on a step, fall on the patio, or cut their hand on a glass, you don’t have to worry.

But, as always, you need to discuss this with your agent and go over exactly what coverage you have. If you have a lot of assets, then you might need additional liability coverage too.

Notice a pattern here? The general rule is that you need a personal insurance agent who is looking out for your particular needs! There is not a “one size fits all” approach when it comes to protecting your family and your belongings.  Take just 5 minutes to give us a call today to discuss your policy!

Insurance When You Tie The Knot

Wedding season is just around the corner! And with all of that love and wedding planning in the air, it can be hard to think about the boring parts of a marriage.

So I want to make it easy for you.  Here are a few things you need to think about in regards to your insurance policies when you tie the knot.

1.  Combine your auto insurance policies.  If you both own a vehicle, the easiest thing to do is combine your policies by adding your spouse and their vehicle to your policy.  We can take care of this in just a few minutes!

2. Make sure you and your spouse are listed on every policy.  You both need to be on the homeowners or renters insurance so you can get assistance if needed.  Do all of them at the same time and you won’t have to worry about it again.

3. Schedule an overall review.
  When you combine two households you will obviously have more belongings!  Speak with your agent and verify that you have enough content and liability insurance to cover any new assets.

4. Purchase life insurance.
  It’s your honeymoon and you don’t want to think about death, but now is the time to get this very important coverage in place.  It doesn’t cost much and will give you peace of mind that the person you love will be taken care of in the future.  It’s really the very best gift you can give to those you love.

The best part of this?  It doesn’t have to be hard!  In fact, one short appointment can take care of every item on the list.  Give us a call today to schedule a review.

March Home Maintenance Tips

What do you need to do this month to keep your home running smoothly and your family protected?  Read below to find out! 

Change Batteries In Smoke Detectors – When the time changes, it’s a great idea to change the batteries in all smoke and carbon monoxide detectors.  This way you always know that they are working and in good order!

Make A Severe Weather Plan – Designate a safe place in your home in case of bad weather.  Stock it with basic emergency supplies and throw in an extra flashlight and batteries too!

Check Your Credit Report – March is Credit Education Month.  When was the last time you checked to see that your credit reports were accurate?  If it’s been over a year, stop by www.annualcreditreport.com and order a free copy today.

Review Your Insurance Discounts – Are you getting all the discounts you qualify for?  Call us to review your policy and see if there are any changes that need to be made.

 

And as always, give us a call if you have any questions or need assistance with auto, home, business, or life insurance. 

Scheduling Jewelry On Your Insurance Policy

Last month was Valentine’s Day and proposals happened everywhere!  This means that you might find yourself with a new diamond ring or expensive piece of jewelry in your home.

Many people spend thousands of dollars on beautiful jewelry but don’t take the time to find out how to insure it.  And this can be a big mistake!
Have you seen the Farmers Insurance TV commercial regarding jewelry?

If you have homeowners or renters insurance, then your jewelry is covered as part of the contents of your home.  But there can be problems…

1. We don’t know what it is worth.  It’s hard to get the full value of your jewelry back if you don’t know all of the specifics!  Weight, color, cut, size, and so forth are all factors in the value.  Ten years from now you might not even remember how much you paid.
2. You probably have a large deductible on your homeowners insurance, this deductible applies to the house itself as well as contents coverage. Many insurance policies have limits for theft of specific highly targeted items including jewelry.

But there is a simple solution to avoid all of these problems.  Our homeowners and renters policies allow you to “schedule” jewelry for a small additional cost.

You bring in the receipt and appraisal of the item and we add all of that information to your policy.  (Sometimes we don’t need all of this, just call us first and we can let you know.)

You will be charged based on the value of the item, but typically it’s less than $50 per year! (Sometimes much less, sometimes a little more.  It all depends on how much insurance is required.)

Plus, scheduled items don’t require a deductible.  So if your ring is lost or stolen, you pay nothing out of pocket but get to replace your precious jewelry.

So next time you open a jewelry box and put a sparkling diamond on your finger, make sure that you are insuring your investment.

Have questions about scheduling items on your homeowners insurance?  Call us today at 816-795-5977 or email jolson3@farmersagent.com for assistance!