protect your home - 2/4 - Spencer Insurance Agency, Inc

Time to Spring Ahead. . .

Just  a quick reminder that Daylight Savings Time begins at 2:00 am Sunday, March 10th.

So, Saturday night, don’t forget to move your clocks forward an hour so you’ll be on time for your Sunday activities.  Use that extra hour to change the batteries in your smoke alarms and flashlights.

Don’t forget the importance of a Carbon Monoxide Detector.  Learn more about the importance of Carbon Monoxide Detectors.

Spring is coming.  You can smell the flowers (especially at the Flower Show).  Soon we will be planting our gardens and enjoying the new blooms.

Protect your family, remember you can’t smell carbon monoxide so get that detector today!

Stay safe and enjoy all that Spring offers!

A Great Resource for Parents of Teen Drivers. . .

Spencer Insurance has long been an advocate for the Parents of Teen Drivers.  I wanted to put the spotlight on one resource we can provide that is very valuable to the parent of a teen driver.

Have you seen our “Safe Teen Driver Guide?”

Our Safe Teen Driver Guide is a must for parents who are getting started in training a teen to be a safe driver.  The guide provides parents a 16 Lesson Plan.  Each lesson can be the basis for a one hour driving session with your teen driver.  Some of the lessons include tips for teaching teens to drive at night, in bad weather, on city streets and country roads.  It also provides lessons on what to do when an accident happens and vehicle orientation and maintenance.

Lesson 12 is a very timely lesson: Driving in Bad Weather.  This time of year, with wet leaves and snow, provides a great opportunity for parents to help their teen practice to drive in bad conditions.  Many of us avoid taking our teens out in these conditions.  Eventually they will need to learn how to drive in these conditions so why not try it out in a controlled area like a parking lot?

The Guide starts with an introduction, instructions on obtaining a PA Learner’s Permit and the Top 5 Mistakes teen drivers make.

This Guide is available to our clients at no cost.  Just email or call us for your copy.  We will also send a copy to your friends and family.  Just pass the information on to them and have them call our office for their free copy.  Make sure they tell us you told them to call us.

A parent’s responsibility to teach their teen to drive does not stop when their teen gets their license.  Continue to drive with your teen and practice driving in all types of conditions.  Make sure they master these 16 lessons even if they are already licensed.  Remember, driving is a privilege not a right.  Discuss with your teen consequences of their actions which could lead to them losing this privilege.   Let us help you.  Call us today to learn how we can help.

Check out our website for more valuable tips for Parents of Teen Drivers!

What did you do to help your teen driver become a safer driver.  Share your stories with us.  Comment below.

What to do after a property loss.

Bad things happen to the best of people; if you suffer a loss here are a few tips
to navigate through this process and help you get on the road to recovery.

Immediately

  • Look out for the safety of your family.
  • Do not enter your home unless you’re sure it’s safe. Depending on the type of
    disaster, there may be exposed electrical wires, standing water or even structual
    damage. If you have any concerns about the structural or environmental safety of
    your home, do not enter.
  • Contact your insurance company by phone as soon as possible.  You can also follow up with us for any questions you many have regarding your claim.
  •  When reporting your claim have your policy number handy and be prepared to provide
    your contact information so your adjuster can reach you throughout the claim process.
    It’s important that you provide all your phone numbers and email info.

Once the Claims Process Has Begun

  • Take account of your loss and separate the damaged from the undamaged property.
  • If available, provide your adjuster with photos or video recordings of the loss site prior  to the event. This will assist your adjuster with the damage evaluation process.
  • If necessary, have a qualified repair service or contractor make temporary repairs to prevent additional loss. Be sure to obtain a bill or invoice for this service so you can present it to your adjuster for consideration of reimbursement.
  • If  your home is uninhabitable, check with your agent or check your policy to determine if  you have coverage for Additional Living Expenses.
  • Save all receipts to document your increase in living expenses while your home is uninhabitable.
  • Contact the utility companies to discontinue service if your home is uninhabitable or destroyed.

Financial Concerns

  • Investigate the availability of special loans and/or grants via the Federal Emergency Management Agency (FEMA), the U.S. Small Business Administration, the  American Red Cross, local government agencies, private lenders and philanthropic organizations.
  • Call to apply for federal disaster aid at 1-800-462-9029 (or 1-800-462-7585 for TDD Telecommunications Device for the Deaf) or online at FEMA.      You’ll be required to provide your social security number, insurance information and the extent of the damage to your property. Be sure to obtain a control number that is assigned to your application.

We Moved!

Spencer Insurance is on the move.  We moved our office on Thursday September 20, 2012.  We are now open to serve you at our new location.

Our new location is 115 West Ave Suite 204 Jenkintown, PA 19046.

Our mailing address and phone numbers will remain the same.

Our mailing address is PO Box 54 Jenkintown, PA 19046-0054.

Our Phone number is 215-885-2200 and our Fax number is 215-887-9538.

www.spencerinsurance.com

 

We look forward to servicing your needs at our new location.  Stop by and visit us!

Schools Back! Check out these safety tips.

You probably have children back in school, returning to school or know someone who has children returning to the class room. Here are some safety tips and links.

• Obey school zones for the safety of our school children. Failure could result in a violation which would cost you a fine and points on your license. This could increase your auto insurance. Note: Not all school zones have flashing lights.

• Be careful of children walking to school. In many areas there are no sidewalks and the children walk on the side of the road.

• Be careful when driving near a school bus stop location. Children could be overflowing into the street or become a distraction. Drive slow.

• Be aware that many teens are driving to school. Be patient with them and understand they are new drivers.

• School Bus safety is critical. Some 25 million students nationwide begin and end their day with a school bus ride. Pennsylvania has some valuable safety tips. Go to their website to view these tips.

• Know your state’s School Bus stopping law. To view Pennsylvania’s Law go to their website.

At Spencer Insurance Agency we care about the safety of your children. Please pass this information on to your friends and family. At Spencer Insurance Agency “Your Protection and Peace of Mind is our Only Business!

Our Website Got a Facelift!!

Check out the new design of our website at www.spencerinsurance.com.  It was designed with our clients in mind.  Spencer Insurance wants to provide the capability for our clients to communicate with us 24 hours a day, seven days a week.

Please leave your comments about the site and let us know if there is anything we can do to improve our website!

We are very excited to release this new version of our website which will allow you to:

Although we want to be available for you 24 hours a day, we do not want to be an online site that just processes your requests. We want to maintain the personal service on which our agency was built.

Spencer Insurance wants to be able to consult with you concerning your insurance needs and to make sure you have the proper coverage. “Your Protection and Peace of Mind is our only Business!”

We welcome your comments on our newly designed website!

Space Heater safety points!

This time of the year a lot of people bring out the old space heaters to save money when heating their homes. With this in mind, I thought I would share a great list of tips I saw the other day.

Space Heater Safety Tips

  • Do not use an extension cord or strip plug with your space heater. If you must use an extension cord, make sure it is a     heavy duty cord marked with a power rating at least as high as that on the label of the heater itself.
  • Place the power cord so that no one steps on or trips over it. Inspect the heater’s cord periodically to look for frayed wire or damaged insulation. Do not use a space heater with a damaged cord.
  • Turn off the heater when you leave the room and unplug the heater when you leave for the day.
  • When buying a heater, look for one that has been tested and labeled by a nationally recognized testing company.
  • Place the heater on a level surface away from areas where someone might bump it and knock it over.
  • Keep electric heaters away from water. Never use them near a sink or in the bathroom.
  • Use space heaters only as a supplementary source of heat. These devices are not intended to replacethe home’s heating system.
  • Check periodically for a secure plug/outlet fit. If the plug becomes very hot, the outlet may need to be replaced by a     qualified technician. This could be the sign of a potential home wiring  issue.
  • Heaters should be placed on a flat, level surface. Do not place heaters on furniture since they may fall and become   damaged or break parts in the heater.
  • Unless the heater is designed for use outdoors or in bathrooms, do not use in damp,wet areas.
  • Keep the heater at least three feet away from bedding, drapes, furniture, and any other flammable or combustible     materials.
  • Keep children and pets away from space heaters.

I hope these tips help keep you and your family, safe this winter season.

I have an app for that. . .

You know you should do a household inventory in case of an emergency!  How many times have you told yourself you were going to sit down and do the inventory of your house then keep it in a safe place in case you have a house fire.  Sound familiar

You just can’t find the right time to do it.

A few years back a client’s house burned to the ground in minutes.  His family safely exited the house but all his belongings went up in smoke.  Fortunately he had the proper homeowners  insurance, however the next step was to do an inventory of all his belongings.  Think about that for a minute.  Could you list everything you owned, furniture, clothing, dishes, household supplies, toys, collectibles, etc?  With the help of other family members who had taken pictures in their house, they were able to put together a list.  The list was constantly updated as they remembered something else.

Having a house fire is bad enough.  I want to help you make the claim process easier.  There are many applications online which help you do an inventory.

Now there is an iPhone and Android app for your smart phone!

the National Association of Insurance Commissioners (NAIC) has developed an app which allows users to create a home inventory to make sure their contents are fully documented and protected.  The free app lets users quickly photograph and capture images, descriptions and serial numbers, and store the information electronically for safekeeping.  The app organizes everything by room and category, and creates a back-up file for e-mail sharing. The myHOME Scr.APP.book app is available through iTunes® and the Android Marketplace.  For more information on how to do a home inventory visit the NAIC Website.  Or go directly to the smart phone app of your choice, Android or iPhone.

Be prepared for emergencies.  It can make your homeowner’s Insurance claim a lot easier.

 

 

 

Help us Support the Abington Township Police Athletic League (PAL)!

During the the months of October, November and December, Spencer Insurance will spotlight The Abington Township Police Athletic League (PAL).  For every referral we receive, Spencer Insurance Agency will donate $5 to PAL.  Check out all the great things PAL does for our community.  Visit their website at http://www.abingtonpal.org

Back to School Bus Safety Tips

Most of you probably have children back in school, or returning to school soon.  We came across some bus safety tips we wanted to share with you. It
might be a good idea to print these out and go over them with your loved ones. For some 25 million students nationwide, the school day begins and ends with
a trip on a school bus. Unfortunately, each year many children are injured and several are killed in school bus incidents.

Rules for getting on and off the school bus:

Getting on the school bus

  • When waiting for the bus, stay away from traffic and avoid roughhousing or other behavior that can lead to carelessness. Do not stray onto streets, alleys or private
    property.
  • Line up a safe distance away from the street or road as the school bus approaches.
  • Wait until the bus has stopped and the door opens before stepping onto the roadway.
  • Use the handrail when stepping onto the bus.

Behavior on the bus

  • When on the bus, find a seat and sit down. Loud talking or other noise can distract the bus driver and
    is not allowed.
  • Never put your head, arms or hands out of the window.
  • Keep aisles clear – books or bags are tripping hazards and can block the way in an emergency.
  • Before you reach your stop, get ready to leave by getting your books and belongings together.
  • At your stop, wait for the bus to stop completely before getting up from your seat, then walk to the
    front door and exit, using the handrail.

Getting off the school bus

  • If you have to cross the street in front of the bus, walk at least ten feet ahead of the bus along the side of the road until you can turn around and see the driver.
  • Make sure that the driver can see you.
  • Wait for a signal from the driver before beginning to cross.
  • When the driver signals, walk across the road keeping an eye out for sudden traffic changes.
  • Do not cross the center line of the road until the driver has signaled that it is safe for you to begin
    walking.
  • Stay away from the rear wheels of the bus at all times.

Correct way to cross the street

  • Children should always stop at the curb or the edge of the road and look left, then right, and then left again before crossing.
  • They should continue looking in this manner until they are safely across.
  • If a student’s vision is blocked by a parked car or other obstacle, they should move out to where drivers can see them and they can see other vehicles — then stop, and
    look left-right-and left again.

We hope you find these safety tips useful.  Please pass them along to those you care about.

For more safety tips and tips on how to save money on your insurance go to our website at www.spencerinsurance.com.

 

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