How to Prevent Basement Flooding

How to Prevent Basement FloodingThe summer rains are perfect for hydrating our flowers and gardens, but they often bring unwanted basement floods.

Summer means beautiful weather, but, depending on where you live, it also means powerful thunderstorms. While it certainly makes our garden look robust and healthy, it can also lead to unwanted flooding. From our parks and streets to our basements. To keep your basement dry during the summer storms, check out these helpful hints.

Preventing Basement Floods

  1. Clean your gutters. If you don’t clean your gutters every fall and spring, you leave your gutters vulnerable to clogging. If not drained properly, it can spill over and leak into your foundation which can lead to a flood.
  2. Your downspouts should extend away from your home. Your downspouts should extend away from your home and lead six feet away from your basement. Make sure that these are not connected to the foundation as they could unintentionally leak down into your foundation–even if functioning properly.
  3. Purchase a sump pump. If properly installed, the sump pump can act as a huge floor drain by sucking all of the water that wants to enter your basement. Make sure it’s free of debris, and think about a battery or propane generator in case power goes out during a storm. A pump without sucking action is just a tube.
  4. Do an examination during a storm. If water starts pooling near or by your house, it’s best to call a landscaper or contractor to build ways to direct water away.
  5. Flood insurance. When all else fails, it’s an excellent idea to have flood insurance, as the typical home insurance policy will not cover such flooding.

For all of your homeowners insurance needs to ensure your home is fully covered for a complete reconstruction, contact Miller Insurance Associates in Carlisle, Pennsylvania.

Toys and Treats: The Best Your Pets Can Chew

Toys and Treats: The Best Your Pets Can ChewKeep your furry friends entertained and safe with these excellent chew toys.

Pets are family members; like any other member of your family you want to make sure they are safe, and since dogs and cats will put anything in their mouth, it’s important that what they do put in their mouth is safe for them. Here are some thoughts from the Humane Society of the U.S. to help you make wise choices when buying chew toys for your pets.

Dog Safety

  • Balls are the most basic toy out there and the most common. One handy rule of thumb is to watch for your dog’s yawn. You don’t want to buy a ball that will slip through and get stuck in their windpipe. Purchase a ball that’s 10 percent larger than their throat to avoid the worst-case scenario.
  • Careful with any toys with squeakers as they could get caught in the dog’s throat. They are also incredibly annoying at 10:00 PM and you’re trying to read or watch TV.
  • Make sure that your toys are durable for strong chewers. Toys filled with beads and fluff can harm the dog.

Cat Safety

  • Luckily for you cat owners, cats are easy to please. A simple box, a crumpled-up paper ball, a toilet paper roll. A cat can find pretty much anything entertaining.
  • If you choose to play with a laser pointer, be sure to reward your cat after a good play session. There are some that believe that never catching the point of light frustrates the cat.
  • String, ribbon, yarn, and dental floss should all be kept out of reach from a cat. They love to chew and swallow these items which then makes for an awkward removal process out the other end.

For all of your pet insurance needs to ensure you have the right coverage, contact Miller Insurance Associates in Carlisle, Pennsylvania.

Advance Driver Assistance System (ADAS)

Advance Driver Assistance System (ADAS)The future of driving is now, and with the ADAS, you can decrease your chances of an accident.

Driving is an incredibly dangerous practice that many Americans and people around the world partake in every single day. Driving in itself isn’t dangerous, but rather, it’s the ones who drive that make it dangerous. People are terrible drivers. Slow reaction times, irrational decisions, and distractions all contribute to the awfulness of human driving. As technology advances every single day, it becomes more and more integrated into our lives. As usual, it’s technology that’s coming to the rescue. Advanced Drivers Assistance System, or ADAS, is making driving a safer practice to save more human lives and have less traffic-related fatalities. Here is what you need to know.

How popular are ADAS safety features presently?

ADAS features are available in the most common and newer vehicles, not just the premium models. Today, there are 800+ ADAS windshield SKUs in the marketplace.

How is the ADAS camera recalibrated?

Nearly all vehicle brands sold in the U.S. that have the ADAS installed require camera recalibration after the windshield is replaced. There are two kinds of recalibration methods that are based on the car’s make and model requirements:

  • Static: The vehicle is parked at a predetermined distance from an object, most likely a target board. A diagnostic tool is connected to the car, which then tells the car to do a complete recalibration of the camera.
  • Dynamic: A diagnostic tool is attached to the car, which is then driven by a technician on a well-marked road within recommended parameters for which the system completes the recalibration.

Is the recalibration part of the glass claim?

Yes.

A quality auto insurance policy, with comprehensive coverage, should step in to cover any costs relating to windshield damage and the ADAS! To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

Safety Tips When Trying to Catch ‘Em All With Pokémon GO

Safety Tips When Trying to Catch ‘Em All With Pokémon GOAt long last, the moment Millennials have been waiting for; after 20 years comes an interactive and virtual Pokémon game.

There are Pokémon among us–albeit virtual. They’re in our parks, streets, grocery stores, restaurants, homes, and even in our beaches. Millions of people have downloaded the game and gone outside to catch these pocket monsters. Pokémon GO augments reality to show the creatures in real-world locations using smartphone cameras and GPS. If you decide to become a true Pokémon Master and “catch ‘em all,” be sure to follow these safety tips.

  1. Be Alert and Aware. You obviously don’t want to let that Snorlax go, but you also don’t want to walk into traffic or off a cliff; so keep your gameplay contained to parks and open spaces. Be aware of who’s around you and try to keep your eyes off the screen while walking.
  2. Don’t “Mon-go” and Drive. In the wise words of Professor Oak, “There’s a time and a place for everything.” When you’re driving, pay attention to the road–not your screen. It only takes one glance at your phone to react slowly to traffic up ahead and be involved in a potentially nasty collision.
  3. Careful for Lures at Night. Lures are special drop zones which attract Pokémon. They are generally at parks, cafes, and other places where one would hang out. While fun during the day, at night they could be traps. Always be wary when going to a lure at night because you never know who set it.

Being “the very best like no one ever was” is an accomplishment that will mean nothing if you don’t have the right insurance to protect you from accidents you may encounter along the way. You can buy that peace of mind! For your all-encompassing insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates today!

Chips and Cracks: When to Repair Your Windshield

Chips and Cracks: When to Repair Your WindshielIf your windshield gets chipped or cracked, should you repair or replace your windshield? If you can, it’s best to get it repaired. 

Regardless of where you live, your windshield is likely to take a beating. Whether you’re driving behind a street truck salting the away the snow, a construction truck carrying pebble-sized debris, or a branch that all but waited to fall and crash onto your windshield. Windshield repairs are safer for your car; they keep the structural integrity of the vehicle intact and are less costly than a full replacement.

Large and Small Repairs

The bad news is that you have a crack in your windshield; the good news is that smaller chips and cracks can be professionally repaired for less than $100. A good way to measure if you need a repair, rather than a replacement, is by using the dollar bill technique. If you can cover the area of the crack with the bill, then a repair is likely all you’ll need.

The repair process works by injecting a special kind of resin into the chipped area. For cracks, holes may be drilled at the ends of the crack to prevent the further spread, as anyone with a cracked phone screen will tell you that little cracks only get longer and longer. Windshields are made of three layers: a layer of a polymer is sandwiched between two layers of glass. Drilling into, but not through, the plastic takes skilled hands, so it’s best to take it to a professional rather than do the project on your own.

A quality auto insurance policy, with comprehensive coverage, should step in to cover any costs relating to windshield damage! To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

Business Insurance Needs for Startups

Business Insurance Needs for StartupsBusiness insurance is not just for major corporations, but even for the smallest of home-based businesses as well.

For most companies, even little ones, business insurance should be considered as a quintessential necessity. In some states, some types of insurance are required by law. Others may not be legally required, but may be desired by business associates or investors. But, business insurance isn’t about meeting requirements; it’s about protecting your employees and your investment in the organization. Here are the kinds of business insurance policies all businesses should for their protection.

Types of Insurance Policies:

General Liability Insurance

This provides financial protection for your business in the event of lawsuits and claims. This usually covers injuries or property damage if your employees succumb to harm or illness at work and bring a lawsuit against you. This policy may include the legal fees associated with the suit.

Property Insurance

Property insurance covers your business’ physical building and assets. Fire, smoke, wind, hail storms, and theft are usually included. That means if there’s a big enough storm and it knocks over a tree or causes a short circuit causing your business burns to the ground, the coverage will take effect and pay for the repairs. Flood and earthquake damage are generally not covered by property insurance.

Business Owner’s Policy (BOP)

A BOP bundles general liability and commercial property coverages and is the most affordable choice because you are not purchasing two separate policies.

Small businesses are not immune to risks; life takes no breaks and tends does not discriminate its distribution of punishment. For all of your business insurance needs to ensure you have the right cyber liability coverage, contact Miller Insurance Associates in Carlisle, Pennsylvania.

What to Do After an Accident (of Any Kind)

What to Do After an AccidentAccidents happen every day; despite their frequency, we are still left wondering what we should do when we find ourselves having had one.

Accidents are called accidents for a reason: they’re unexpected and can happen at literally any time. From the near cosmic impossibility of an asteroid wiping out all human life on the planet, to simply forgetting your watch on your nightstand, accidents come in a wide variety of examples. Most fall within reason, and for these, there is a checklist which you should review so the next time you have an accident, you are ready to go.

  • Keep calm. Do whatever is necessary to protect your family members and your property. The best way to accomplish this is by staying calm and having a clear head.
  • Is anyone injured? Checking for injuries may save a life; if someone is injured call for help immediately.
  • Don’t flee the scene of an accident. Doing so may get you in even further trouble.
  • Don’t admit responsibility. For liability reasons, never admit that the accident was your fault, nor should you blame anyone else.
  • Record the other person’s information. Name, address, phone numbers, and any other information that is important. If there are any witnesses, try and get their information as well.
  • Always notify law enforcement. If there are any injuries, death, or serious property damage related to the incident, notify law enforcement.
  • If there is any theft or vandalism that occurred, be sure to contact the police and report all of the missing items.
  • (If there is an asteroid that hits the Earth, just hope it isn’t big enough to destroy everything.)

Ensure that you will not face hardship from an accident. You can buy that peace of mind! For your all-encompassing insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates today!