Month: November 2015 First Time Homeowners Winter Tips Posted on November 28, 2015December 16, 2016 by AgentInsure A winter nightmare that causes home damage comes from broken water pipes. Water that does not flow becomes ice that breaks systems. Water pipes can burst. Pipe connections hidden in the walls can break apart. Air conditioning units can suffer damage. Winter Storms Strong winds mixed with ice and snow create special risks for homeowners. The weight of the snow and ice may break trees, down power lines, and cause unexpected damage to a home. When the power goes out and home heating systems are not operating, this increases the chance of water pipes bursting. Once the power comes back on, and the home heats up again, the water starts to flow and major damage might happen from the leaking water. It is a good idea when facing this danger, to turn off the main water valve to the house, drain all the pipes by turning on the faucets and flushing all the toilets. Empty the water heater. Remove water from any water filtration systems. Turn off the water supply to the air conditioning unit, clean out water from the pan, and drain the pipes. Some winter damage may be unavoidable. However, water damage from bursting pipes is preventable when taking the proper steps to protect a home, especially when a person is going to be away from the home for an extended period. Dangerous Winter Road Conditions An extra risk when driving in winter is a condition called “black ice.” This type of ice on the road is very difficult to see. When car hits a patch of this ice, it may suddenly go out of control. Use caution when passing under an overpass. This is a potential area for this type of ice. Be sure to contact Peter Laczko Insurance Inc. in Woodstock, Georgia for all your home and auto insurance needs. Independent Insurance Agents Make a Difference Posted on November 21, 2015December 16, 2016 by AgentInsure Independent insurance agents make a significant impact on clients because they have access to a wealth of information that other companies do not. They are well-trained professionals that are versed in the language of insurance policies and procedures. The agents can give you an unbiased direction with the type of coverage you may need. Independent agents have the ability to search through dozens, if not hundreds of insurance company records and locate several options that will fit your needs. For example, if you are in need of auto insurance for your recreational vehicle, the independent agents can research the type of insurance through many different companies and accumulate options for you to choose. With this method, it may be less expensive than to use a captive agent who will sell you a policy through his or her employer. Captive agents have available to them only their employers coverage and will not be able to give you the best possible selection. Independent agents will also be able to help you process claims and review policy protocols and procedures in case of an accident or injury. Peter Laczko Insurance Inc. is an independent insurance agency in Woodstock, Georgia. The agency offers a wide selection of insurance options, including commercial, auto, home, boat, RV, and specialty insurance policies. Because the agency is independent, they are not obligated to one company. The agency is dedicated to helping customers develop and attain the perfect plan for their needs. Take advantage of the independent insurance agents at Peter Laczko Insurance Inc. because they will offer you the information you will need to make an informed decision about your insurance coverage.