How To Help Your Home Recover From Winter

Erie Insurance recently published a blog post on ten maintenance-related things you can do to help your home recover from the winter months. With yesterday being the first day of spring, we thought we’d share the list with our readers.

SPRING HOME MAINTENANCE CHECKLIST:

  1. Have your roof inspected. (Particularly if you notice leaks, loose shingles, or metal.)

  2. Fix any ceiling stains, which usually indicate a roof leak. But, remember to fix the leak first!

  3. Inspect windows and doors. Look for bent or broken hinges, frames, or edges. Also look for holes in screens.

  4. Consider resealing your driveway. Particularly if you notice cracks.

  5. Seal your deck every few years.

  6. Check your fence(s). Repair or replace any loose slats or rot on your fences.

  7. Clean gutters and downspouts.

  8. Check for ice dams. You may want a professional to check and fix ice dams on the roof.

  9. Apply caulk to leak-prone areas.

  10. Inspect outside faucets and hoses. Turn them on to ensure water is still running as it should; if you can stop the flow with your thumb, the water pressure may be too low and a pipe inside your home may need to be fixed.

Check out the full article from Erie Insurance for more information and tips on maintaining your home after the winter season: www.erieinsurance.com/blog/home-recover-from-winter

Millenials Are Not Carrying Enough Life Insurance

Forbes recently published an article reporting that only 10% of Millenials have enough life insurance in place to cover self-reported needs should they die. That is a scary statistic. Not carrying the proper life insurance puts your family members at financial risk, in the event of your death.

The article reports:

  1. Millenials report a 78% shortfall in life insurance coverage.

  2. By contrast, Gen Xers report a 48% coverage shortfall.

  3. Baby Boomers have a 37% shortfall.

In terms of purchasing life insurance, the article says, "Get enough insurance to replace the lost income of the deceased, so the surviving spouse can carry on with paying the mortgage and saving for retirement."

The American Institute of CPAs has a life insurance needs calculator (link here) to help you determine how much you really need.

Check out the full article here: https://www.forbes.com/sites/ashleaebeling/2018/11/13/the-big-millennial-life-insurance-gap/#65995fea6ac4

And, if you have questions about your life insurance policy, or getting a quote, call your agent.

Erie Insurance Accolades Speak To Company's Strength

For the sixth consecutive year, Erie Insurance received the highest ranking in the J.D. Power 2018 U.S. Insurance Shopping Study for "Customer Satisfaction with the Auto Insurance Purchase Experience." The study measures auto insurance shopping purchase behavior and purchase experience satisfaction among customers who recently bought insurance, and Erie received the highest numerical score: 877 out of 1,000. 

This is huge for Erie because J.D. Power surveys real customers and no other carrier ranks higher.

Also on the trophy shelf, Erie earned A.M. Best's rating of A+ (Superior). While Erie Family Life Insurance earned A.M. Best's rating of A (Excellent). These accolades speak to Erie's financial strength. Customers can be sure Erie is financially sound and will be there for its customers.

For more information on Erie's awards and rankings, visit its website: erieinsurance.com/awards

Clearsurance Ranks Erie Among Top 10 Best Insurance Companies In 2018 For Home And Auto

Clearsurance, an independent community where insurance customers share their individual feedback on auto, homeowner’s and renter’s insurance, has recently ranked Erie among the top 10 best insurance companies in 2018 for both home and auto.

Erie ranked 5th out of 10 among auto insurers, and 2nd out of 10 among the home insurers included.

Check out the full articles here: https://clearsurance.com/best-car-insurance-2018https://clearsurance.com/best-home-insurance-2018.

And here are the results as displayed on Clearsurance:

Source: https://clearsurance.com/best-car-insuranc...

How To Prevent (And Fix) Frozen Pipes

By: William Forbes

Erie Insurance published a helpful article on its blog, ErieSense, on how to prevent your pipes from freezing this winter, and what to do if it happens.

I am re-posting the tips below. But, I wanted to highlight one of the most important things the article mentions. If your pipes do freeze, call a plumber to help you thaw them safely and avoid further damage to your home.

It may seem intuitive, but it's worth reminding folks they do not have to handle this situation on their own - call a professional to help you winterize your pipes, or thaw them, if you've run into that problem.

Here are Erie's steps for preventing frozen pipes:

  • Drain water from pipes that are likely to freeze. This includes your swimming pool and sprinkler water supply lines. 
  • Disconnect any hoses from the outside of your home, drain the hoses and store them in the garage. Make sure to close the indoor valves supplying these outdoor access points.
  • Insulate the area around vents and light fixtures. This helps prevent heat from escaping into the attic.
  • Seal any wall cracks. Be sure to pay careful attention to the areas around utility service lines.
  • Open kitchen cabinets. This allows the warm air to circulate around the pipes. 
  • Keep the garage doors closed to protect water lines.
  • Allow your faucets to drip cold water on the coldest days. The movement will make it harder for the water to freeze. 
  • Keep your thermostat at the same temperature day and night. Never let it fall below 55 degrees Fahrenheit when you leave your home.
  • Ensure you have proper seals on all doors and windows. 
  • Place a 60-watt bulb in areas where you’re concerned about pipes freezing. Make sure there are no combustible materials near the bulb.
  • Take swift action if the pipes located inside an exterior wall are freezing. Cut a hole in the wall toward the inside of the house to expose those pipes to warmer air.

Check out Erie's full blog post for signs that your pipes are frozen and tips for thawing them yourself: https://www.erieinsurance.com/blog/frozen-water-pipe-prevention.

The Benefits Of Having An Insurance Agent

While purchasing insurance online can be convenient, there are true benefits to working with an agent, in-person for your insurance needs. Agents are required to have industry licenses and complete continuing education; meaning that when you need guidance and advice, they are equipped to give it. Their industry knowledge can help with everything from choosing the appropriate coverages, to navigating the claims process.

Technology is great, but sometimes having a real person to guide you is better.

Zombies Have Bad Days Too

Check out Erie's latest blockbuster...and it's perfect for the season. Have a wonderful Fall and a Happy Halloween from all of us here at Forbes Insurance.

With all the buzz around the new season of AMC's The Walking Dead, what if a literal zombie apocalypse happened tomorrow? While it's highly unlikely that zombies will really take over, it's good to know that insurance is there to protect you when things go wrong, like a telephone pole falling on your house or your TV getting fried by an electrical surge.