Charlie's Blog | Spencer Insurance Agency, Inc

Important: We may not be on a direct path of Hurricane Florence but you should still prepare!

 

Hurricanes are very unpredictable and the predicted paths can change, but this does not mean we should not prepare for the worse. Fortunately it looks like our area is going to be spared from the brunt of the storm but a big impact of this storm is the potential for up to 30 inches of rain for the south. Hopefully things change and the storm is not as potent as it is predicted. This is hurricane season and there are two more storms following Florence and many times these storms reach us as tropical storms with a lot of rain and wind.

This summer has been one of the wettest on record for our area. The ground is saturated which means even a small amount of additional rain becomes a problem. Make sure you make preparations now:

• Inspect your roof, flashing and siding. Replace your roof or flashing if it is old and worn.
• Prepare your basement before flooding occurs. Raise items stored in the basement, make sure your sump pump has a battery backup, and think twice before making your basement a living area.
• Landscape your home to help absorb water and keep water away from your home.
• Check your gutters and downspouts to make sure they are not clogged.
• If you have a storm drain on the street near your home make sure it is clear of debris so the water can flow into the storm drain. Rake up leaves and other debris that may be clogging the storm drain.
• When you have a loss make sure you correct the problem that caused the loss so it does not happen to you again.

Most of us are in preferred flood zones but you should still consider the purchase of flood insurance. Rates are less expensive in preferred flood areas. That small dried up creek can rise quickly causing water to run through your property. Buying flood insurance now won’t help you with Florence as there is a 30 day waiting period but there are more storms in the future. You hear it all the time after an area floods “I have been living her for over 50 years and my home never had flooding before.” Don’t be the one that will say this to the reporter.

Keep in mind that when our area receives a storm watch or warning most of our insurance carriers will put a moratorium on our binding authority which means we may not be able to offer you insurance. Some tips:

• If you are making settlement on a home during a potential storm make sure the policy is issued now or delay settlement if possible until after the storm.
• If you are planning on picking up a new car I would suggest you wait until after the storm so your new car does not flood or get damaged by a tree reducing its value. Wait to take possession of the new car until after the storm leaves the area.
• Be aware of where you park your car during a storm to avoid flood and trees.
• Put your valuables on a separate inland marine policy. Many of these policies cover flood damage.
• Make sure you have enough water back-up coverage on your homeowner’s policy.

Even if you have the proper coverage claims are still a hassle. You still need to clean up and fix what is broken. So take some time to prepare and avoid possible claims. As always our staff at Spencer Insurance Agency is here to assist you with any claims you do have. Call us at 215-885-2200 to report a claim, review coverage or purchase flood insurance. Our website is also available 24 hours a day and has phone numbers for all our companies to report claims directly. Expect some delays as the volume of claim calls increases dramatically when a hurricane hits the United States.

Let’s hope for the best but prepare for the worse!

We remember. . .

Today we remember that solemn day.  We take a moment to stop and reflect.  We pray for all those who died that day.  We pray for all who are put in harm’s way. Thank you!

Thank you for voting us “Best Insurance Agency” for 4 years in a row!

 

 “Best Insurance Agency”

 

Thank you to all who voted.  Spencer Insurance Agency was voted “Best Insurance Agency” for the 4th year in a row in Montgomery Media’s Readers Choice “Best of Montco 2018.”  Readers of Montgomery Media’s newspapers throughout Montgomery County voted.

We appreciate the confidence you have in Spencer Insurance Agency. I would like to thank my staff.  It is their dedication to our clients that made this award possible.

Just a reminder, we love to share your good news.  Send us your news and a photo and we will place it in our newsletter!

Thanks again,

A few thoughts. . .

  

 

 

I apologize if I am repeating myself but we seem to be the last to know some important changes in our client’s lives.  Many of life’s events have a huge impact on your insurance. I spoke to a friend recently whose son needed to use an Uber driver frequently.  The Uber driver suggested he call him directly and not use the Uber app and he would give him a discount.   Sounds good at first but it is a nightmare for you.  If the Uber driver does not use the Uber App when picking you up then the driver has no insurance coverage for his car. Uber won’t cover him in this case and the personal auto policy has an exclusion for this activity.  Scary, but as I said we are always the last to know important information.

Please contact us and discuss your situation if any of the following life changing events.

  • You are getting married
  • You are getting separated or divorced
  • Having a baby
  • Sending a child to live at college
  • You are putting your house in your children’s name
  • You are putting your house in a trust
  • You are downsizing and preparing for retirement
  • You have unrelated adults living in your home
  • You or your child uses your car for food delivery and/or for Uber or Lyft

Our insurance companies have ways to accommodate most situations but not all.  Contact us to discuss your personal situation. Better to contact us before you do any of these life events so we can discuss how to adjust your insurance coverage so you are properly protected.

Great Golf Outing and a Great Cause

 

Come join us for the 9th Annual Cathy Garry Memorial Golf Tournament sponsored by the Cathy’s Kids Foundation.

When: Monday August 6, 2018 – Early Registration ends July 13th.

Where:  Center Square Golf Club

Go here to register.

This golf outing is a lot of fun and all the proceeds go to helping a family dealing with cancer to go to Disney.

The Mission Statement: “The mission of the Cathy’s Kids Foundation is to provide comfort
and joy to children currently suffering from the effects of cancer. We strongly embrace the idea that HOPE is the best weapon to fight cancer. Our annual Cathy Garry Memorial Golf Tournament raises funds in Cathy’s memory. All proceeds raised will help to send a child and his/her family to Walt Disney World. Please help us bring HOPE to a family in need.

All those who have met our mother Cathy know what a caring and compassionate individual that she was. Despite three different bouts with cancer, she never complained about her own situation or health. Her focus in life was always the well-being of others. We ask that you help our foundation keep her caring and compassionate spirit alive. She would be touched to know that children were being helped in her name.”

So get a foursome together and have a great time supporting a wonderful charity.

Congratulations to our winners and our 4th of July hours

Congratulations to our recent Big Spin winners.  Dave Schweizer won a $50 Gift card and Jo Cornely won a iPad Mini.  Find out here how you could be our next winner.

 

All of us at Spencer Insurance Agency wish you and your families an enjoyable and safe 4th of July Celebration!

Please observe a moment of silence for all those who have fought to make our freedom possible.  Have a safe and enjoyable 4th of July!

Our office will be closing at 3:00 PM on Tuesday  July 3rd and reopen Thursday July 5th.

Summer is here. . .

    

Are you a shore on Pocono’s family?

I prefer the shore in the fall when it is less crowded.  My family’s vacation spot has been on the lakes of New Hampshire and Maine.  What a great area to vacation.

I wanted to give you a heads up as we approach the summer season and all the fun that goes with it.  My job is to make sure you can do the things you love to do because you have the right coverage if something goes wrong.  Here are a few things to consider:

  • Make sure when you rent a car that your personal car insurance policy will cover that rental car. Many ask us “Should we buy the waiver?”  Check out our FAQs.
  • If you own a boat or jet ski/personal watercraft, do you have liability insurance? If you rent a boat or jet ski/personal watercraft you probably have no coverage. Check out my article “Are your “Summer Toys” properly insured?”
  • Have a teen driver. Check this out!

For many of us the summer is a little less hectic.  This is a great time to stop and review your finances and insurance.  When was the last time you had a life insurance review?  Contact us today for a review.

I hope you all have an enjoyable summer.

Put your vacation pictures on our Facebook page

Life events have an impact on your insurance coverage.

    

Many life events can have a dramatic effect on your insurance coverage.  That is why Spencer Insurance Agency has a section to cover this on our website.

Let me highlight a few:

  • Separation/Divorce – Should one of the spouses move into an apartment, that spouse is no longer a resident of the previous household. That could have an impact on your homeowner’s and auto coverage if you are not a named insured on the policies.  Your contents at the house or new apartment may not be covered and if you rent a car you may not have coverage for the rental car you rent when on vacation.
  • Changing the deed of the house to a trust – You should let us know so we can update the named insured and possible additional insureds to be sure all parties to the trust have the proper coverage.
  • Putting the deed to the house in the name of children – You may decide to do this for estate purposes. Just make sure you let us know as we need to make sure the children and parents have the proper coverage.  Many times the parents will have a life tenancy agreement allowing the parents to live in the house for their lifetime even though the ownership of the house is in the name of the children.
  • Unrelated person in the household – Do you have someone living in your home that is not related to you? If so, there may be no coverage for that person on your homeowner’s policy. Check with us to make sure you have the proper coverage for this unrelated resident.

Insurance companies have ways to accommodate most situations. Did you realize if you are living with a significant other that you may be able to combine auto policies and receive a discount for having multiple cars on the policy?  You may even be able to have a renter’s policy covering both of you which would give you a multiple policy discount. Times have changed and Spencer Insurance wants to make sure your policies keep up with the changes in your life. Contact us to review your policy.

Happy Mother’s Day!

All of us at Spencer Insurance Agency want to wish all the moms out there a Happy Mother’s Day.

We hope you enjoy your special day this Sunday.  If you aren’t a mom we hope you were blessed with a good one and will remember her Sunday.

Since my Mom’s passing a couple years ago I remember her on mother’s day and the wonderful influence she had on our family.  We still feel the love

Happy Mother’s Day  from your Friends at Spencer Insurance Agency, Inc.,

Congratulations to our “Big Spin” winners!!

Our January winner was Silvia and Mike Silverman. Mike and Silvia won a $50 Gift Card.

 

 

Our February winner was Bob McKain.  Bob won $100 in cash

 

 

And, our March winner was Linda Boggs.  Linda won $100 in cash.

 

Want to find out how you can be our next winner in the Spencer Rewards Program?

 

You could win an iPad mini, $100 in cash or a $50 gift card.  Check out our Rewards Program.

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Check out how you can win an iPad mini.

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