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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:
Have your roof inspected. (Particularly if you notice leaks, loose shingles, or metal.)
Fix any ceiling stains, which usually indicate a roof leak. But, remember to fix the leak first!
Inspect windows and doors. Look for bent or broken hinges, frames, or edges. Also look for holes in screens.
Consider resealing your driveway. Particularly if you notice cracks.
Seal your deck every few years.
Check your fence(s). Repair or replace any loose slats or rot on your fences.
Clean gutters and downspouts.
Check for ice dams. You may want a professional to check and fix ice dams on the roof.
Apply caulk to leak-prone areas.
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
Technology advances every year, and we are always looking for ways to keep your family safe helping to prevent claims. We are excited to announce that Erie Insurance and Roost are working together to pilot a FREE Roost Smart Water Leak and Freeze Detector for your home.
Why? By working together, we have a new way to detect water damage and frozen pipes in your home. The sensor fits in the palm of your hand and can have a really big impact when it comes to preventing water damage or even a claim. All you need to get started is the Roost app (which you can download on your iOS or Android smart phone), Wi-Fi and your Roost sensor. The installation instructions will be included in the box and set-up takes only a few minutes to complete.
Once you’ve set up your sensor, you can place it in an area where water damage or freezing pipes are a concern. For instance, near a hot water tank or underneath a sink. With minimal effort, this small device could help prevent a major water loss in your home. Imagine being out of town and having a pipe burst and not finding out until you returned home-there could be thousands of dollars’ worth of damages.
To avoid a situation like this from happening to you, call us and let us help you get signed up for your FREE Roost Water and Freeze Detector. Supplies are limited and will be awarded on a first-come, first-served basis, so please respond quickly. If you would like to learn more about Roost, visit https://www.getroost.com/.
Contact our agency today to find out how to get yours.
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:
Millenials report a 78% shortfall in life insurance coverage.
By contrast, Gen Xers report a 48% coverage shortfall.
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’s Employment Practices Liability coverage protects business owners from lawsuits involving:
If a customer or employee makes a claim, whether it’s true or not, the legal costs to defend your business could be crippling. Employment Practices Liability covers defense costs and liability charges.
Call us to discuss adding this coverage to your commercial liability policy.
As a professional brewer, vintner or distiller, you’ve worked hard to establish a business that produces a quality product. That’s why it’s so important to make sure you have the right insurance protection. The ERIE Custom Collection® Breweries, Wineries and Distilleries Program has been crafted with your unique business needs in mind. Contact me to learn more.
Let us help you detect water damage in your home before it’s a major loss. How? By offering you a free Roost Smart Water Leak and Freeze Detector. After you download the app, you’ll be able to receive notifications on your smartphone if your home is experiencing water, temperature or humidity problems. This small device could help prevent a big loss. Contact our agency today to find out how to get yours.
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
Hear from real customers why Erie Insurance is consistently ranked among Pennsylvania's best companies for claims service.
Whether it's a business or personal insurance claim, it's so important to have an agent who can answer questions and advocate for you with your insurance company. That's the real reason to shop insurance through an agent rather than online.
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.
And here are the results as displayed on Clearsurance:
A big thank you to Lauterborn Electric, one of our favorite clients, for the T-shirts! We received these just before the holiday, and it was definitely Christmas come early at the agency. Thanks, friends!
If you're in the Philadelphia area and need a light bulb changed (or perhaps something more complicated), give these guys a call: lauterbornelectric.com.
By: Nicole Vattimo
Erie insurance is a terrific company that is constantly receiving industry recognition for its claims and customer satisfaction. But, we at Forbes Insurance wanted to take a minute to shout-out Erie for the ways it helps clients through superior coverage offerings. The following coverages are standard in Erie personal auto policies, while not all are automatically offered by other carriers.
Check out Erie's blog, "Understanding Auto Insurance: ERIE 'Xtras,'" for more on the below included coverages:
- Road Trip Coverage - Erie offers up to $75 per passenger in the vehicle for travel expenses if you don’t reach your destination and aren’t close to home.
- Pet Protection - If your pet is hurt in a covered accident while riding in your car, Erie will help cover the vet treatment costs up to $500 per pet (up to two pets, with a total limit of $1,000).
- Locksmith - If you lock your keys in your car and carry comprehensive or collision coverage, Erie will reimburse you up to $75 for the cost of locksmith services on your insured car.
- New Car Addition - Erie gives you 7 days to add a new vehicle to your policy, so if you forget initially, it's okay. Just be sure to contact your agent within 7 days so you have the proper coverage.
- Personal Items - If personal items are damaged in a car accident, Erie gives you up to $350 toward your personal items not covered by other insurance.
For any questions about your exact coverages, always feel free to contact your Erie 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.
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.
By: Nicole Vattimo
A couple weeks ago I wrote a post about what to do if you have a cracked windshield (link here). Today, I want to follow up on that post to share that Erie Insurance customers can now go to erieinsurance.com to start an auto glass or windshield claim online. This is an easy and convenient way for customers to quickly get a glass claim reported and be connected with Erie's glass partner, Safelite® Solutions.
How To Get Started:
1. Navigate to erieinsurance.com
2. Once on the website, use the top navigation bar to go to "Service" and then to "Start A Claim"
3. On the "Start A Claim" page, use the link for "Starting an auto glass claim online"
Once you start the online glass-claim form, you will be asked to submit information including your policy number, phone number, and details of the claim (e.g. when, how, and where the damages occurred). Safelite will collect the claim details and follow up via phone call to schedule the repair. Safelite can also work through email or text, based on the customer's preferences.
If you have further questions or concerns about reporting an auto glass claim, always feel free to reach out to your Erie agent.