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RMG Insurance Blog

Do you really understand group long-term disability?

Ron Martin - Wednesday, June 21, 2017

Most Americans do not have disability insurance in their employee benefit package, but those who do may have a false sense of security. When approached about disability insurance, many are quick to say: "I have disability insurance coverage at work." Have ever really done an examination of just what your benefit might look like?  read more


Spring Home Maintenance Tips

Ron Martin - Thursday, March 23, 2017

Avoid Basement Flooding During Spring Thaw

Ron Martin - Tuesday, March 14, 2017

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Preparing Your Home For Winter

Ron Martin - Tuesday, January 10, 2017
Winter can be very tough on a home, especially if you have not taken the necessary steps to prepare for the harsh weather that is right around the corner. Winterization projects can be relatively straightforward and affordable, all the while preventing significant damages that can hinder the comfort, safety and integrity of your house throughout the colder, wetter months. 

Let's go through some of the key preventative measures you can enact to prepare your home for winter. 

Energy-efficient improvements
The very same steps you need to take to keep your heating costs down can also be viewed as protective for your home's structure and systems. Popular Mechanics, a publication devoted to technology news and tips for consumers, suggests the following steps to boost your home's efficiency and protect it from common damages associated with winter weather:
  • Bring in a professional service provider to prepare your air conditioner, water, fuel, vent and all other systems and pipes. 
  • Consider replacing normal doors and windows with storm-proof products. 
  • Get your furnace serviced, and change out filters that were used last winter. 
You will also want to thoroughly evaluate your home for drafts and leaks, which are most common in attics, crawl spaces and basements, but can be found virtually anywhere. One of the easiest ways to check for drafts is to light a candle in the center of each room of the home and watch to see if the flame flickers or bends. Once you've identified the drafts, use weatherstripping and caulk to seal them up. 

Roof and drainage
To prevent flooding both in the home and outside, you will need to prep your roof and irrigation system. Here are a few tips:
  • Cleaning and removal: Clear all gutters of leaves and other debris before the first snowfall. Remove snow from the roof during times of very heavy precipitation.
  • Ice dams: If you have a sloped roof, ice dams can be an issue. This Old House, a home improvement website, suggests putting ice melt products that contain calcium chloride into a porous material, such as a stocking, and placing it on ice dams for safe, easy removal.
  • Avoid floods: Always make sure the roof’s drain pipes are pointed away from the house, and that your irrigation system and lawn have been winterized to avoid damage from the increased precipitation.

Protective measures for plumbing 
Frozen pipes can lead to massive expenses and damages. The Balance, an online publication that offers a range of tips to consumers, suggests wrapping all exposed pipes and plumbing with insulation. According to the source, you will need to keep your valves and taps open to prevent water from staying in the pipes, which can lead to freezing and expansion, followed swiftly by cracks and damage.
Even when you are not home, the website recommends keeping the home's temperature warm enough to prevent freezing of any kind. This can be trickier for pipes that are outside or in parts of the home that do not have access to heat. In these situations, The Balance states that heat tape can be used to protect pipes. Also, when temperatures dip below freezing, keep your water dripping in sinks and other faucets to further prevent freezing and bursting in the pipes and plumbing. 

Get the right coverage
Make sure that your insurance provides the coverage you need for your home this winter. Winter involves more precipitation in the Northeast, which could lead to flooding - a threat that is not generally covered by homeowners insurance. Speak to your us to ensure all of your assets throughout the home, as well as the structure itself, are protected by your insurance coverage before the harsh weather sets in.  read more

Taking Inventory Of All Your Possessions

Ron Martin - Thursday, September 22, 2016

Individuals who have an accurate and available record of all personal assets will often be able to help mitigate the disruption and stress associated with a loss or damage. While you could certainly do little more than write all of your items down on a piece of paper, you might want to go a bit further than that to have a more useful point of reference for your possessions and to help keep the information safe.   read more


In Storms Of Life, Don't Get Caught Without An Umbrella

Ron Martin - Friday, April 22, 2016

If you've ever found yourself caught out in the driving rain with nothing but the clothes on your back for protection, you know what kind of a miserable experience that can be, temporary as it is. With all that wetness and cold, its effects can leave you longing for the comfort of the indoors.  read more


What’s Next for Cyber Liability Insurance?

Ron Martin - Thursday, March 31, 2016

At long last, most businesses are beginning to understand that cyber insurance is a necessity, not a luxury. “All classes need it. It doesn’t really matter who you are, what you do—you have some exposure,” says Alex Wayne, president of A.J. Wayne & Associates, Inc. “Even if it’s only one record, you have some exposure because if that one record gets breached, you could potentially get sued as a result. There isn’t any discrimination from one class to another.”   read more


Make Time To Support Your Local Stores

Ron Martin - Thursday, March 31, 2016

You may have missed it, but March 29th was "Mom & Pop Business Owners Day". Family-owned and customer focused, Mom & Pop stores' overriding goal is to provide high quality service to the fine folks who walk through the doors for a product or service.  read more


A car crash is the leading cause of death for teenagers

Ron Martin - Friday, August 21, 2015

 

 Reprinted with permission from PersonalUmbrella.com

 

52% of the deaths of teenage passengers happened in cars driven by another teen

 

PersonalUmbrella.com

 

 

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Holiday Fire Safety at Home

Ron Martin - Wednesday, December 10, 2014

Picture your perfect holiday. Perhaps you hear family members laugh while the fireplace crackles in the background. Or you enjoy your favorite holiday meal surrounded by friends and the glow of candlelight in your carefully decorated dining room.  read more



 

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