Archive for insurance

Appliance Hoses

Should You Be Worried???

There’s a ticking time bomb in your Tulsa, Oklahoma house right now, waiting to strike when you least expect it. In fact, there might even be more than one. And each can cause thousands and thousands of dollars in damage.

We here at Statewide Insurance are talking about faulty appliance hoses, of course.

Consider your humble washing machine: According to the Insurance Institute for Business & Home Safety (IBHS), washing-machine failures cost an average of more than $5,000, and faulty hoses are responsible for more than half of those failures.

You can take steps to defuse these ticking time bombs — or at least make them less likely to go off. Here are the common hoses and tubes you should be checking:

Hoses

Washing Machine

Most washing machines come with rubber hoses that connect to your water supply — hoses that can wear out and eventually burst. The IBHS says to check frequently for blisters, worn tubing, stress cracks and loose connections. Even if there is no obvious wear, replace hoses every five years. Use a reinforced steel-braided hose, as they are less likely to fail.

Dryer

Although you should clean the lint trap in your dryer with every load, danger lurks behind the dryer as well. Flexible plastic or foil ducting can easily trap lint and increase the risk of fire, according to the U.S. Consumer Product Safety Commission. The agency recommends the use of a rigid or semi-rigid metal duct instead. Whichever you use, be sure to disconnect and clean the ducting annually.

Refrigerator

If your refrigerator has an ice maker or water dispenser, it also has a hose connecting it to the water supply. Replace the standard hose with a steel-braided line for added security.

Dishwasher

Dishwasher leaks can easily go undetected, so it’s important to check these connections regularly as well. Make sure that hoses and lines have no kinks, and periodically remove and clean the filter in the dishwasher, which is designed to stop food pieces from making it into the drain hose. 

Gas Grills

At least once a year (typically when you fire up the grill for the first time after winter), check the hose connecting the fuel source to the burners. Simply brush it with some soapy water, turn the gas on (do not light the grill) and check the hose for air bubbles. If you see any, replace the hose and fitting.


In addition to checking your hoses regularly and replacing them when needed, there are monitoring systems available now that can automatically shut off your water supply in the event of a failure. Some detect leaks with moisture indicators, while at least one new system actually checks your water meter for unusual activity.

To further protect you, your homeowners insurance may cover certain damage that results from appliance hose failures. But, it all depends on the circumstances of your situation and on your specific policy. You may find that an appliance hose failure is not covered by your insurance, so it’s best to maintain your appliances to avoid damage in the first place.

 

If you have questions about your homeowners insurance coverage or need help with a claim, we here at Statewide Insurance Agency are happy to help.

Water Damage Prevention Tips

Leaking Faucet

Even a small leak can become a major problem, so knowing what you’re covered for and how to prevent water damage are equally important.  The below tips should help uncover any potential water problems down the road and keep your property dry this summer.

  • Check appliance hoses.
  • Broken tiles in the shower can allow water to leak into the walls or on the floor.
    • Replace cracked tiles and re-grout when needed.

  • Run dishwasher and washing machine only when you are home. 
    • If a leak occurs, you can turn the appliance off right away. 

  • When on vacation, turn off the main water supply to your house.

  • Keep storm drains near your house clear of leaves.

  • Install a gutter guard.
    • This can prevent a rooftop disaster caused by drain clogs, and also prevents flooding by water that isn’t carried away from the house.

  • Install a water pressure gauge.
    • An inexpensive gauge can prevent damage caused by water pressure that’s too high. 
    • Pressure should be between 60 and 80 PSI. 

  • Have the correct insurance coverage.
    • We currently represent and offer free Home, Auto & Renters insurance quotes from over 10 different companies!
    • By doing so, we are able to find the company that is best for you.

Edmond Home Insurance Decreases With New Protection Class

This summer, several Edmond homeowners will see some pricing relief on their home insurance rates due to the diligent efforts of the City of Edmond and particularly the Edmond Fire Department.  The lower rates will result from revised Protection Class changes that start this summer.  The Protection Classification is a measure of the overall ability of a department to respond to a fire.  Home insurance companies in Edmond and all of Oklahoma use the Fire Protection Rating System (FPRS) to assist them in establishing homeowners insurance rates.  A link to the article in the Edmond Sun is below.

Thank You City of Edmond/Edmond Fire Department!

http://www.edmondsun.com/news/edmond-residents-could-see-reduced-insurance-rates/article_b79aa620-08f6-11e6-a514-93d88ddd0dce.html

 

Happy Mothers Day 2016

Happy Mother's Day

Earth Day 2016

Earth Day 2016 "OKIE"

Take part in an Earth Day event — or celebrate in your own way

People are thinking more and more about the environment — whether it’s something that affects quality of life here in Oklahoma or global issues such as climate change and extreme weather. But more importantly, people aren’t content with simply thinking about these things any more. They’re focused on taking action. Earth Day, which is celebrated April 22, is the perfect time to take action, whether you are looking to take part in a community event or organize your own. Here are some tips to help you get involved — and think about our planet Earth all through the year.

Find an event

It’s easy to find Earth Day events, whether you live in Edmond, Oklahoma or the OKC Metro. City and town Facebook pages are a great place to start, along with the websites of local environmental organizations. Newspapers, radio and TV often publicize events as well.

The Environmental Protection Agency website lists major Earth Day activities at http://www.epa.gov/earthday/index.html.

What can I do?

There are all kinds of Earth Day activities, even some you can easily complete by yourself or with your family. Examples include:

  • Planting trees
  • Cleaning up litter from a natural area or park
  • Adopting a road for litter control
  • Talking about Earth Day and helping to educate others
  • Using alternate transportation, instead of taking your car
  • Holding a garage sale or clothing swap, rather than throwing out unwanted items
  • Learning more about actions you can take to reduce your environmental impact

What if I want to organize an event?

Hosting an event doesn’t have to be a Herculean task, particularly if you keep it small. Any of the ideas above could be turned into your own event — just get the word out via social media, friends and family or even local print and broadcast media. But if you do want to organize a full-scale event, go for it!

Make it more than a day

Of course, one of the best ways to have an impact is to make every day your own Earth Day. You can take part in earth-friendly activities at any time! So in addition to celebrating once a year, make this April 22 just the beginning of something special.

And whether you find an event or create your own, the important thing is getting involved!

CLICK HERE TO GET A FREE HOMEOWNERS INSURANCE QUOTE FROM US

 

 

 

Tesla Motor Model 3 Sedan

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“Boii-oiii-oiiii-nnnng”

 (That’s the Sound Spring Makes)

Displaying Considering the winter we’ve just been through (and some would say it’s not quite over), nearly everyone is breathing a sigh of relief now that Spring is here! Warmer months DO bring less severe road and driving conditions. However, there are stillvehicle maintenance, insurance, and driving tips that can save time, money, and even lives.

 
For starters, don’t jump the gun at the first sign of warm weather. Water on roadways can freeze at night long after the last snowfall—especially at high altitudes and in far northern climes. If you drive on winter tires, a good piece of advice, according to reliable sources, is to wait till temperatures stay above 45-degrees (F) before shedding snow tires for good.
 
But you shouldn’t wait on ALL things. For example, check your tires and windshield wiper blades before spring rains start to fall to be sure that they’re up to their respective tasks. For tires, the penny test should tell you whether you’ve got enough tread depth to clear away water. And to ensure good visibility in a wide range of conditions, be sure to check windshield wiper blades and replace them if they’re worn, or leave streaks.
 
And as weather turns from temperate to downright hot, perform routine checks and maintenance on the stuff that keeps the “hot side hot and the cool side cool,” such as radiators and cooling systems; batteries and electrical systems; and air conditioning.  

Watch and Learn:
A “Hole” lot of useful information on potholes and insurance: 

ALL SOURCES OF INFORMATION:

Uninsured Motorist Coverage in Oklahoma

 

Did You Know: In Oklahoma, if you are hit by an uninsured or under-insured motorist, the damage to your car is not covered under this coverage….you’ll need Collision Coverage to pay for the damage to your vehicle! Learn what Von has to say about this important coverage.

  • Activities that take drivers’ attention off the road, including talking or texting on mobile devices, eating, conversing with passengers and other distractions, are a major safety threat.

  • In 2014, 3,179 people died in distraction-affected crashes, based on National Highway Traffic Safety Administration (NHTSA) criteria.

  • The number of state legislatures passing measures that address the problem of driver distractions continues to rise. Fourteen states and the District of Columbia ban the use of hand-held cellphones while driving; 46 states and the District of Columbia have banned the practice of texting while driving.

  • A 2012 Consumer Reports survey found that 71 percent of respondents cut back on texting, talking on a handheld phone or using a smartphone while driving in the previous year. Over 50 percent of them said they were influenced to change their behavior because of state laws, up from 44 percent in a survey conducted in 2011.

 

DRIVER HAND-HELD CELLPHONE USE BY AGE, 2005-2014 (1)

(1) Percent of drivers using hand-held cellphones.

 Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

OTHER SOURCES OF INFORMATION:

2016 TOP SAFETY PICK+

The Insurance Institute of Highway Safety’s 2016 TOP SAFETY PICK+ award goes to… the redesigned Toyota Prius.