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The Perzel Agency Blog – October 2013

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12 Essential Traits Of Start-Up Leaders

Woman with Idea 

 Click on the link: http://modo.ly/1al1BYx

 

CONTACT: The Perzel Agency, 800-440-3480, http://www.PerzelAgency.com/

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This Halloween, Be Prepared

Halloween

Every Halloween is filled with scary movies, monsters and mild mayhem. From creepy crawlers dangling at doors to eerie music playing outside of haunted houses, there are always plenty of thrills and chills to scare even the bravest of Halloween enthusiasts. But while most frights are fun and frivolous, others can be more serious if you’re not prepared.

To make sure you are prepared for a fun-filled, harmless Halloween, take this safety quiz. And to steer clear of Halloween hazards, check out these not-so-haunted hints.

Halloween Party Safety Tips

  • When using dry ice in a punch bowl, keep the chips out; if ingested, they can cause severe injury. Refer to these dry ice safety suggestions from the National Weather Service.
  • Dried flowers, cornstalks, crepe paper and other decorations are highly flammable. The National Fire Protection Association recommends that you keep them well away from all open flames, such as lighted pumpkins, and heat sources, including light bulbs and heaters.

Halloween Safety Tips for Drivers, Parents and Children

Review these National Safety Council trick-or-treating safety tips.

Drivers:

  • Watch for children darting in and out of parked cars.
  • Enter and exit driveways and alleys carefully.
  • At twilight and later in the evening, watch for children in dark clothing.

Parents:

  • Have an adult or responsible older child supervise trick-or-treating outings for kids under 12.
  • Instruct your children to only travel in familiar areas and along established routes and to approach well-lit homes while trick-or-treating.
  • Use a flashlight to see better in the dark and help others see you.
  • If possible, only walk on the sidewalk or far edge of the road facing traffic.
  • Remind kids never to enter a stranger’s home.
  • Tell children to refrain from eating any treats until they get home.
  • Carry a cell phone while trick-or-treating in case of emergency.

Costume design:

  • Only allow children to wear fire-retardant costumes and masks that do not obstruct vision.
  • Make sure costumes are loose so that children can wear warm layers underneath.
  • If kids will be out after dark, use light-colored materials or retro-reflective tape to increase visibility.

For more Halloween safety tips, visit the National Fire Protection Association’s Web site, http://www.nfpa.org.

 

CONTACT: The Perzel Agency, 800-440-3480, http://www.PerzelAgency.com/

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Beware of Contractor Fraud

Contractor 

When storms hit, your home and life can be turned upside down. You’re eager to get your home repaired, but be careful because some contractors aren’t really there to help.

Most contractors are reputable business people, but the dishonest ones may try to convince you that you have hail or other damage and need a new roof, even if your roof did not experience any damage at all. Often they won’t even go on the roof to inspect the damage. They’ll explain that everyone in the area was affected by the storm when it is impossible to make that assumption.

That means that you may be filing an unnecessary claim and repairing a roof that isn’t damaged. These unscrupulous contractors travel from town to town after a storm occurs and try to take advantage of people who are recovering from a natural disaster.

What You Can Do

The Federal Emergency Management Agency (FEMA) and the Insurance Information Institute (I.I.I.) offer the following eight tips to those who are beginning the process of rebuilding disaster-damaged property:

  • Get more than one estimate and don’t be pushed into signing a contract right away.
  • Investigate the track record and references of any contractor you are considering hiring. Look for professionals who have a solid reputation in your community. Use a local, licensed, bonded and insured contractor. You can call your Better Business Bureau for help.
  • Never give anyone a deposit until after you have thoroughly researched a contractor’s background.
  • Get everything in writing. Cost, work to be done, time schedules, guarantees, payment schedules and other expectations should be detailed. Read the fine print of any estimate or agreement before signing. Never sign a contract with blanks; unacceptable terms could be added later.
  • Beware of building contractors that encourage you to spend a lot of money on temporary repairs. Payments for temporary repairs are covered as part of your total insurance settlement. If you pay a contractor a large sum for a temporary repair job, you may not have enough money for permanent repairs. In most cases, you should be able to make the temporary repairs yourself. Ask your insurance professional for guidance.
  • Ask the contractor to provide a certificate of insurance before any work is started. Demand that contractors carry general liability insurance and workers’ compensation coverage.
  • Don’t pay a contractor in full until the work is complete.
  • Do not sign over an insurance settlement check to a contractor.

A common scam is for a so-called contractor to convince a homeowner that a large deposit must be provided before repair work can begin, according to the I.I.I. Frequently, the job will be started, but not completed and these con artists are never heard from again. Another fraud scheme is to use inferior materials and perform shoddy work that is not up to code in order to pocket more profit.

While these tips are for disaster recovery, they also apply to anyone who is hiring a contractor to do work on a home.

Work with Your Insurer

If you need suggestions about who to hire or how to rebuild your home, contact your insurer or claims adjuster.

Erie Insurance has professional claims adjusters who are trained to assess your property, identify storm damage and prepare an estimate for proper repair. We can also provide recommendations for reliable and licensed contractors in your area. As always, it is your decision on who to use to repair your dwelling. If you need assistance, contact our agency. If you suspect fraud, call the FEMA Disaster Fraud Hotline at 866-720-5721.

CONTACT: The Perzel Agency, 800-440-3480, http://www.PerzelAgency.com/

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Avoid Parking Lot Accidents

Use this link: http://www.eriesense.com/parking-lot-accidents/#.Ul14gL7D_c 

 

CONTACT: The Perzel Agency, 800-440-3480, http://www.PerzelAgency.com/

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Over 60% Of Teens Text And Drive

Teen Texting 

New Jersey auto insurance group Plymouth Rock Assurance released the results of a distracted driving study that found 61 percent of young drivers surveyed in New Jersey acknowledged having sent text messages while driving.

The survey also found 73 percent of the respondents had seen a friend texting while driving, and 70 percent had seen a friend using a phone without hands-free technology while driving.

This poll, conducted using online survey provider Cvent, consisted of 1,000 consumers with valid New Jersey drivers’ licenses between the ages of 17 through 25 who operate a vehicle at least once per week. The source of the online sample was ResearchNow, a market research company.

The majority of respondents acknowledged having texted while driving, but nonetheless, the survey also found that young drivers recognized the danger and cited texting while driving as one of the biggest safety problems on New Jersey’s roads.

The survey suggests some of the young drivers may be taking a cue from their parents. It found 25 percent of young drivers have seen a parent texting while driving and 57 percent have witnessed a parent using a phone without hands-free technology. Some 10 percent of respondents also said they have seen drunk driving by their parents.

“Distracted driving is one of the most dangerous issues currently affecting our roadways,” said Gerry Wilson, CEO of Plymouth Rock Management Company of New Jersey. “Years ago, motorists demanded an end to drunk driving. Our research demonstrates that even younger drivers are acknowledging that we must put an end to distracted driving,” he said.

 

CONTACT: The Perzel Agency, 800-440-3480, http://www.PerzelAgency.com/

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Tips To Keep Your Heating System Safe

House And Clouds 

Have A Safe and Warm Winter Season. Click on the link below for your tips.

http://www.erieinsurance.com/homeowners/WinterHeatingDefense.aspx

 

CONTACT: The Perzel Agency, 800-440-3480, http://www.PerzelAgency.com/

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10 Ways To Make Your Car Live Longer

Auto Side View 

In Honor Of National Name Your Car Day… here is a link to help you make your car live longer. Good Luck Mike Perzel

http://editorial.autos.msn.com/article.aspx?cp-documentid=498749s

 

CONTACT: The Perzel Agency, 800-440-3480, http://www.PerzelAgency.com/

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Posts In November

12 Essential Traits Of Start-Up Leaders

This Halloween, Be Prepared

Beware of Contractor Fraud

Avoid Parking Lot Accidents

Over 60% Of Teens Text And Drive

Tips To Keep Your Heating System Safe

10 Ways To Make Your Car Live Longer

 

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