When It Rains – It POURS!

February 19, 2015 at 9:00 AM | Posted in Home, Insurance Claims, Insurance Policy, Seasonal | Leave a comment
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With possible rain predicted this weekend, the already heavy snow becomes even heavier. It is very important to clear decks and roofs in order to remove the weight. For anyone needing to file a claim right now, here are some of the most common questions being asked:
Q: Is the cost to remove snow and ice from my roof, deck, or car port covered under my home policy?

A: The cost to remove snow and ice dams from your roof would be considered regular home maintenance and claim prevention. If there is already damage to your home such as interior water due to ice dams, the cost to remove snow and ice would be considered part of the claim. Your deductible would apply.

Q: Is the damage to my roof, windows, and interior walls & floors due to leakage covered?

A: Yes, your deductible would apply.

Q: Is the collapse of a roof, deck, or car port resulting from the weight of ice and snow-covered under my home policy?

A: Yes, your deductible would apply.
Continued removal of ice and snow is important as the season continues. If additional damages are reported that occur after a claim is filed, it will be considered an additional claim.

Call us at 888.850.9400 should you have further questions regarding your policy and the proper coverage you need to protect your home and properties.


Recognizing the Signs of Heat Stroke

July 17, 2013 at 9:24 AM | Posted in Safety Tips | Leave a comment
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Hot weather can be brutal.  Sunshine, high temperature, and high humidity levels can create a deadly combination.  Prolonged exposure to high temperatures or doing physical activity in hot weather could cause heat stroke.  In a matter of hours, untreated heat stroke can cause damage to your brain, heart, kidneys, and muscles.  Here are some signs of heat stroke:

  1. High body temperature
  2. A lack of sweating
  3. Nausea & vomiting
  4. Flushed skin
  5. Rapid breathing
  6. Racing heart rate
  7. Headache
  8. Confusion
  9. Dizziness or faintness
  10. Muscle cramps or weakness
  11. Unconsciousness

If you start feeling any of the above symptoms, here are some tips of what you can do:

  • Drink plenty of water or fluids containing electrolytes
  • Get to a shady or air-conditioned area
  • Remove any excess clothing
  • Place ice packs or cold wet towels on your head, neck, armpits, and groin
  • Mist yourself with water while a fan is blowing on you
  • Seek medical attention immediately if symptoms persist

The elderly and children are at an increased risk for heat stroke.  If you have an elderly relative or neighbor, check on them regularly to make sure they are okay or need help during a heat wave.

Don’t forget animals can get heat stroke too.  Their symptoms are very similar to human symptoms with the addition of panting, restlessness, excess salivation, and diarrhea.

At Protector Group we hope everyone will stay safe and Stay Cool this summer!

Open Burning Season Begins

April 3, 2013 at 9:26 AM | Posted in Home, Regulations, Reminders, Safety Tips, Seasonal | Leave a comment
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Spring is here and everywhere you look folks are starting their yard work, cleaning up what remains in winter’s wake. That means piles of dead grass, leaves, and branches are ready for disposal. Burning is a good way to get rid of last year’s debris and open burning permits are being issued throughout the month of April.

If you plan to burn this year, here are some things to keep in mind:

  • An open burning permit is required and can be obtained from your local fire department.
  • You will need to call on a daily basis for each permit to determine if weather conditions allow for burning that day.
  • All fires must be contained at a minimum of 75 feet away from buildings.
  • Keep burning piles away from power lines.
  • The hours to burn are from 10 a.m. to 4 p.m.
  • Keep fire extinguishment materials on hand; i.e., water, sand, shovels, and rakes.
  • Watch the wind, it can change at any time. You should be prepared to extinguish your fire at a moment’s notice.
  • Never use gasoline or other flammable liquids to start a fire.
  • An adult must attend the fire at all times until it is completely extinguished.
  • The month of April holds the highest risk for brush fires, once the snow melts and April’s strong winds expose the prior year’s debris.
  • Open Burning season ends on May 1st.

Let the Spring cleaning begin! Click on the following link for a great article with additional information on open burning: www.mass.gov/dep/air/compliance/burning.

Remember: An ounce of prevention can protect you and your family from injury and property damage.

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