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NEWS you can use

Preparing for a Winter Storm

12/16/2020

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On the Road
  • If possible, avoid driving during the storm
  • If you must drive, be sure to stock your vehicle's winter roadside emergency kit with all the essentials including snacks, blankets, a windshield de-icer, a spare phone charger and flare lights
  • Check oil and antifreeze levels
  • Give yourself ample space between vehicles to allow for breaking

For Your Home
  • To prevent frozen pipes, set your thermostat to a warm temperature
  • Make sure you have working flashlights, nonperishable food items and water in case you lose power or the storm keeps you house-bound for more than a day
  • Stay indoors during the storm
  • Avoid snow shoveling-related injuries

After the Storm
  • When cleaning the snow and ice off your vehicle, remember to also clear the roof
  • Safely remove large piles of snow from your roof to prevent ice dams
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Winter Storm Harper

1/19/2019

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Picture
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Screen captures from The Weather Channel.
Winter Storm Harper can bring heavy snow plus high winds. And, that folks, can mean power outages. Here are tips to help you prepare:

  • Learn how to safely use alternative heat sources and generators during a power outage: disastersafety.org/disastersafety/build-a-plan-for-a-power-outage.
  • An Emergency Preparedness Kit should have three days of food, water, prescription medications and other supplies ready (ready.gov/build-a-kit).
  • For current weather conditions during a power outage, consider getting a NOAA Weather Radio.

Resources:
Cold Weather Tips

Up-to-Date Winter Storm Harper News
Winter Weather Safety
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Brrrr... Cold Weather Tips

1/18/2018

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The coldest temperatures of the season are here. With the mercury dipping into the teens and single digits, you should be aware of the increased risk for frozen pipes.

While there are long-term measures you can take to prevent frozen pipes in your home, like having proper insulation and sealing any cracks or gaps in your siding or foundation, there are a few small, but helpful, things you should do during extreme cold spells.

What you can do to combat the freeze:
• Keep your thermostat set to a warmer temperature than usual
• Consider opening kitchen and bathroom cabinet doors to let warm air circulate
• On the coldest days, consider letting a little cold water drip from the faucet

If you think you have a frozen pipe in your home, shut off the main water supply and call a licensed plumber right away. We recommend you avoid thawing a frozen pipe yourself — improper technique could cause the pipe to burst, leading to costly damages to your home.

Have questions?
Contact your Connecticut Insurance Exchange agent today! (860) 666-5443
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Who's insurance pays for the damage of fallen trees?

4/15/2017

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Who pays for a fallen tree?
Where it lands is the key to liability...
Q: Let's say a neighbor's tree falls during a storm and crashes into your home. Who pays for the damage? This isn't meant to be a 'trick' question, but it may seem like one.

A: Even though it's your neighbor's tree, it's your responsibility. If the tree was in good health and it came down due to an act of God, nobody can be held responsible for that.

Tree damage — who pays for what?
  • The property owner whose house is hit by a tree is covered under their homeowner's policy.
  • The property owner whose vehicle is hit by a tree is covered under their auto policy — but only if they have "comprehensive" coverage on the vehicle.
  • If the tree that falls is rotted or diseased and should have been pruned or cut down, then a question of negligence can be raised. The property owner may seek to hold the tree owner liable for damages.
  • Tree removal is only covered if a structure or vehicle is hit by the falling tree. NOTE: Pools are not covered. So, if a tree falls only on your lawn or garden — with no damage to your home or vehicle —the cost of tree removal, damage to lawns, gardens or damage to pools are generally not covered. Check your policy for specifics.
  • If a tree on your property falls into your neighbor's yard without damage to their home or vehicle, tree removal is not covered by either party's insurance. You and your neighbor must discuss who pays for cleanup.
Contact your Connecticut Insurance Exchange agent at 860 666-5443 or email us at info@cieltd.us if you have questions about tree damage liability. We will be happy to review your policy and exposures to make sure you are properly covered!
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    News you can use from Connecticut Insurance Exchange covering topics ranging from your home, auto, business, liability and more.

    Author

    Melanie Thomson-Tregoning is a Licensed Insurance Agent and VP of Marketing for Connecticut Insurance Exchange, Ltd.

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