4/17/2011 11:07 PM

Protect Yourself

1. Make the time to review and understand the risks that surround you.     We live in an age of rapid change and deepening uncertainty. Perhaps more than ever before in our lifetimes, we have no idea what tomorrow will bring.  But one thing we do know is how much we want to protect those thingst hat are precious to us – our family and friends, our homes and other property, and our own well-being. That, at least, is a constant in our busy lives. We also know that, despite these unchanging needs, we face challenges and risks to them that call for sensible preparation and timely action. Our aim is to give you the information and tools you can use to meet those challenges. By knowing how to cut the risks and how to respond effectively in an accident or crisis, you can substantially improve your security and the welfare of those who matter so much to you, and gain some peace of mind. Oftentimes, safekeeping is a matter of commonsense. But in the hectic whirl of life ...

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3/20/2011 11:47 PM

Flood Insurance

Hi Everyone: Did you know.....?? Just a few inches of water from a flood can cause tens of thousands of dollars in damage to your home.  During the past decade, a flood claim with only 5 inches of water has amounted to more than $33,000. Flood insurance is the best way to protect yourself from this devastating financial loss. As a reminder, flood insurance must be purchased before flooding occurs and has a 30-day waiting period from the date of the application (unless purchased in conjunction with a loan closing). FLOOD DAMAGE is NOT covered by homeowners or standard commercial property insurance policies Statistics indicate homeowners are FOUR TIMES MORE LIKELY to suffer a loss from a flood versus a fire or other catastrophic event 70 to 80 percent of all U. S. natural disasters involve flooding Flood is the  most common natural disaster in the US Remember, you don't have to live in a near the water to be at risk for a flood claim.  In fact, most floods in this area ...

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3/4/2011 3:48 AM

The Story of Insurance

One night in ancient times, three horseman were riding across the dry bed of a river.  Out of the darkness a voice shouted “HALT”..whereupon they did.  The voice then said, “Dismount and gather rocks from the ground and put them in your pockets.”  They did as instructed and the voice said, “You have done as I commanded.  Tomorrow you will be both glad and sorry.”  Puzzled the horsemen rode on. 

The next morning they found that the rocks they had collected had transformed into diamonds and rubies and they remembered the warning the voice said to them.  They were indeed both glad and sorry.  Glad they had taken some and sorry they had not taken more…..And this is the story of insurance.

1/4/2011 12:16 AM

Winter Freezing Precautions

Too many businesses find themselves unprepared when normal winter weather suddenly turns extreme.  During a severe cold spell, sprinkler or water pipes can freeze, burst, an produce devastating losses.  Water damage from this type of incident, known as freeze-up, can affect products in storage, paperwork,, records, furniture, machinery, computers, and all types of electronic equipment.  If water leakage goes undetected for an extended period of time (say over the weekend), extensive flooding can result.  Total costs often reach hundreds of thousands of dollars. The following guidlelines will help you plan for and implement preventive measures to better protect your business from the threats of freeze ups. Before the Cold Sets In: Update your Emergency Response Program for winter emergencies to including appropriate response procedures for deep freeze conditions. Appoint one or more members of the team to monitor weather forecasts and initiate winter emergency procedures when ...

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12/21/2010 11:57 PM

Changes to Auto Insuarance Laws in NY State

Effective November 27th 2010, the New York Dept of Insurance has raised the threshold for chargeability from $1,000 to $2,000. 

Basically, what this means is that if you are involved in an accident that is your fault, the insurance company cannot surcharge you for the loss unless the accident is over $2,000 in damages.  It has been many years since the last increase.  The unfortunate thing about this is that with the way cars are made these days, it is very difficult to keep an accident under the $2,000 threshold.  Even a minor accident can result in damages well above that amount.  It's not much, but it is something to keep your rates lower.  Please note that this only applies to accidents that occur after 11/27/10.

If you have any questions, please call us at 888-997-9801 or check out our website at www.brookswaterburn.com

12/13/2010 12:06 AM

The Finer Points of Homeowner Insurance

In my last blog, i discussed some of the coverages that the average consumer misses on Auto Insurance.  In this article, I'd like to review some of the very important Homeowner Coverages. As I mentioned, buying insurance is a complicated contract.  It is written by a team of attorneys to protect the rights of the insurance company, not you!  If you are trying to save 15% in 15 minutes, you are probably going to pay more in the long run.  Here is a few items for your Homeowner policy to consider: Off Premises Theft:  This covers your goods when they are not in the home.  For example, golf clubs or holiday gifts being stolen out of the trunk of your car.  20% of all theft claims originate in other than the victims home Liability Limits Too Low:  Most homeowner policies I see have a $300,000 liability limit.  The cost to increase it to $500,000 is only $8-15 per year.  Also, make sure your Liability covers you for Personal Injury Missing Jewelry ...

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12/7/2010 3:11 AM

The Finer Points of Auto Insurance

My basic premise, the basic premise of the Brooks-Waterburn Agency, and the Independent Insurance Agents in general,  is that insurance is a complicated contract.  The policies are written by a team of attorneys and are written to favor the insurance company, not you!  The writers of these policies have vast knowledge of insurance, law, and claims.  They are in the business and do it everyday.  You may make a buying decision about insurance once every few years.  Who do you think has the advantage? Take Auto Insurance for example.  There are a host of coverages that you probably never heard of and worse, if you were involved in an accident and didn't have these coverages you could be financially devastated.  You think a Green Geco is on your side?  My point is obvious.  You need an advocate in your corner. A professional insurance person that can address these issues and look out for what's best for you, not the insurance company.  We are much more than ...

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11/5/2010 2:38 AM

Who Needs Flood Insurance?

As an insurance agent for over 21 years, I have offered flood insurance to almost all my clients with whom we have Homeowners Insurance.  Unless they live near the water or the bank requires it, the response is almost always the same.  It goes something like;  "I don't live anywhere near the water, what do I need Flood Insurance for?" In most cases, I respond that most flood damage come from areas that are no where near the water.  Just this past summer in Levittown, NY (about 6 miles from any water), there were major thunderstorms that caused flash flooding in some streets.  Many of the houses were flooded and nobody had the right protection.  I recently came across a really neat web page put out by the National Flood Plan.  You input how much flood damage is done to your house, eg 6 inches.  The website will estimate how much, in dollars, the damage will cause.  What it shows is astonishing.  A mere 6 inches in flood damage to a 2,000 square foot home ...

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10/27/2010 4:11 AM

Wine Making

I know it's not insurance related, but here's a report on our annual wine making this past weekend.  We had a record 25 people over my house and we all enjoyed making wine.  My family has been doing this since 1980 and every year it seems more & more people are coming over to "help".  This year we made a combination of Merlot, Cabernet, Alligante and Barbera grapes.  Of course no event at my house is complete without plenty of food.  We served lunch and dinner for 25 people.  I'm so gratefull for all the help I had because I could have never done it on my own.  For dinner we served Turkey Empinadas (the turkey was shot at my Uncle's farm upstate).  As a pasta course, I served Cavettelli with a pork ragu.  The meat consisted of Pork loin with a parsley/rosemarie bread crumbs.  Everything was delicious and we drank 4 gallons of last year's wine!! I promise more frequent posts and my next one will be about insurance.  In the mean time, check out our we ...

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10/7/2010 1:03 AM

Hello All! My First Blog

Hi World.  This is my very first blog.  It might take me a while to get the hang of this, but my goal is to both inform you and maybe in some way entertain you.  My profession is insurance.  I have been in the industry for over 25 years and love it.  For the past 22 years, I have been proud to work for Brooks-Waterburn Corp.  We are an independent agent located in Westbury, NY.  I know what you're thinking; "How can insurance be entertaining?"  The truth is that an insurance policy is quiet boring.  It entertains on how insurance effects the lives of everyone.  Whether you had a claim and insurance saved you financially, or some of the interaction between our agency and customers, not a day goes by that I don't find something that makes all our hard work all worth it. So here's my promise to you.  My goal is to try and educate and inform.  Insurance is not just some commodity that you go to the lowest price.  Saving 15% can cost you ...

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