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RMG Insurance Blog

EXPERIENCE MODIFICATION FACTOR MYTHS AND FACTS

Ron Martin - Thursday, September 21, 2017

MYTH #1   read more


Employment Practices Liability Basics

Ron Martin - Tuesday, August 08, 2017

Discrimination Claims
Average range of defense costs: $200,000 - $300,000
Timeline for resolution of employment litigation: 18-24 months
  read more


Reducing the Risk of Child Sexual Abuse

Ron Martin - Thursday, July 06, 2017

According to multiple studies, one out of four girls and one out of six boys will be sexually abused before they reach the age of eighteen.1 Protecting the children your organization supports from a sexual perpetrator is paramount in importance. Given the trust-based nature of this crime, it can be very difficult to detect dangerous behavior(s) until it is too late. Almost 90% of child sexual abuse cases involve a perpetrator that the child knows and trusts, such as a care provider, family friend, coach, student leader, or ministry volunteer.2 Taking additional, cost-effective prevention measures that increase your organization's barriers to this crime remains in the best interests of the children you support.  read more


Distracted Driving Causing Insurance Rates To Skyrocket

Ron Martin - Friday, May 19, 2017

by: Andy Sheehan - CBS Pittsburgh  read more


Spring Home Maintenance Tips

Ron Martin - Thursday, March 23, 2017

Avoid Basement Flooding During Spring Thaw

Ron Martin - Tuesday, March 14, 2017

  read more

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

Toy Safety

Ron Martin - Monday, December 12, 2016
  • Choking hazards: Safe Kids Worldwide, a nonprofit devoted to child protection, states that age is one of the most important factors when purchasing a toy for a child. Choking hazards are among the most common in toys, so do not purchase products that have a lot of small parts for a child under the age of 10. 
  • Hazardous chemicals: Fisher-Price, one of the biggest manufacturers of toys and games in the world, suggests looking into the materials that are contained within the toys before making the purchase. Hazardous chemicals, such as mercury, arsenic and formaldehyde, can be present, and should be avoided no matter the age of the child.
  • Plastic wrapping: Fisher-Price also urges adults to get rid of any and all plastic wrapping as soon as the toy is out of the box, as these materials can be especially hazardous. Keep a garbage bag handy to dispose of all wrapping paper, plastic containers and other materials immediately after the gifts are unwrapped.
  • Electronic toys: The Consumer Product Safety Commission argues that electronic toys should only be played with when an adult is present. This is especially important if the toy needs to be plugged into an outlet, but also notable for battery-powered items. If the child is 10 or under, monitor them when they play with electronic toys.
  • Toy recalls: Sometimes, the toy you purchase will seem fine when you’re at the store, but then the company issues a recall. For this reason, Selective has put together a Safety Toolbox for you to remain up to date on any recall.
  •   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


Dog Bites, Claim Payouts and Your LiabilityInsurance

Ron Martin - Friday, June 24, 2016

d For More Than One-Third Of All Homeowners Liability Payouts Last Year As Cost Per Claim Soars To More Than $37,000 Per Bite   read more



 

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