October 31 is the most dangerous day of the year for child pedestrians.  So please be careful if you are driving or trick-or-treating this evening.

Vehicles cause more child injuries on Halloween than any other reason.  If you are driving, be hyper-vigilant.  A child can be excited about the candy they will get at the next house and forget to look before crossing the street.  Emphasize safety before you leave the house and keep your children close to you.

A child in a mask running across a yard will have difficulty seeing where they are going.  Keep your children on sidewalks and driveways to avoid obstructions.  Keep your yard and walkways well-lit so people can see where they are going.  Also make sure that costumes are trimmed and hemmed to avoid tripping.



Sandy is heading our way!  Hurricane Sandy is a storm that is currently passing through the Caribbean and will soon be heading up the Northeastern United States coastline.  Whether it goes inland or not, Central Pennsylvania will be getting lots of rain on Wednesday.   So I hope you can make plans this weekend to stay at home and do some preparation!

Check all the rain gutters and downspouts.  Make sure they are free of leaves and obstructions so water can quickly pass through, down and out of the system.  Downspouts should extend out from your house and deposit water at least three feet away in a spot that will drain away from your house.  If not, go to the hardware store for plastic extenders that can easily be installed by sliding over the downspout.

Is the ground around your house sloped away from the structure?  It might be too late to hire a backhoe and bulldozer, but make sure that any debris that might obstruct water flow is away from the house.

If your neighborhood or municipality has drains, make sure they are free from obstruction.  Remove any leaves, grass or other debris that could clog the drain or the underground piping.

The best way to keep rainwater out of your house is to keep it flowing away from your house.  Doing this work now will have the added benefit of partially preparing your house for winter!

Having inadequate insurance coverage is expensive.  If you can’t afford to fork out $1,000 when you have a claim, you need to have a lower deductible.  Also, if you can’t afford to buy a new car after an accident, you need to have comprehensive and collision coverage on your vehicle.  Saving a few dollars in premiums doesn’t help much when you suddenly have to pay a large amount of money after a claim.  Please contact me to schedule a review of your current insurance coverage to make sure it is appropriate for your current situtation.

But that isn’t the most expensive insurance policy ever.  Getting coverage by committing insurance fraud is even more expensive.  A Philadelphia, PA newspaper recently reported that a lady got collision and rental car coverage after an accident – while she was in the ambulance on the way to the hospital.

A conviction for insurance fraud will be on your record forever.  If you are lucky, you will only get a fine and no jail time.  Committing insurance fraud will make your insurance policy The Most Expensive Insurance Policy Ever.

If you bought a new house and moved leaving the old house vacant, you might get a cancellation notice from your Homeowners Insurance provider.  Your Homeowners Insurance providers expects you to continually live in the house and only leave it vacant for periods less than 30 days.  If a house is vacant for longer than that, the chance of a claim skyrockets.

If you are left in this situation you can cover your home with Vacant Property Insurance.  Because of the higher chance of a claim, the cost for insurance is higher.  In this situation, I typically get people set up on a monthly payment plan.  Hopefully the house will soon sell and you’ve only paid for a month or two of coverage.  Please contact me for more information on Vacant Properties and keeping them insured.