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Scurich Insurance Services has been serving the Monterey Bay Area since 1924. Our mission is to partner with our customers and provide them superior service and value. We are a member of United Valley Insurance Services, Inc., a cluster of over 70 California Independent Insurance agencies, which produced over $530,000,000 of annual premium last year. At Scurich Insurance Services we understand your business and our community. Our customers look to us for comprehensive solutions. We have established relationships with more than 40 of the nation’s leading insurance providers, which allows us to deliver multiple, competitively-priced options and a team of experts to guide you through the process. When you need to file a claim, change a policy or process a certificate you can depend on Scurich Insurance Services to respond quickly to your request. SERVICES In order to provide value added benefits to our customers that go beyond the insurance policy Scurich Insurance Services offers the following additional services: Safety Programs – English and Spanish OSHA Compliance Safety Policies – English and Spanish Online OSHA 300 Log Safety Posters and Payroll Stuffers - English and Spanish Certificates of Insurance – If received before 3:30pm done the same day Risk Management Consulting Brokerage Services Represent most major insurance companies to better market your account. Safety tapes/DVD’s BUSINESS LINES Commercial Commercial Packages Business Auto Workers Compensation Umbrella Bonds Directors & Officers Professional Liability Employment Practices Liability Personal Auto Home Umbrella Recreational Vehicles Boatss Life & Health Individual Medical Individual Life Group Medical Group Benefits

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Posts tagged with ceiling - ceiling

That's Hot! Home Insurance Technology Trends

Author TonyScurich , 7/20/2016
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If you want to insure a mansion or a priceless art collection, don't be surprised if a certified thermographer shows up at your door, infrared camera in hand.

Thermal imaging cameras are among the latest high-tech tools Homeowners insurers are using to help stem losses before they become catastrophes, saving policyholders from heartbreak and companies millions in damage claims. One major insurance company is using thermal imaging cameras for its high-value homes, letting inspectors "see" hidden hot or cool spots. A hot reading might indicate a fire hazard from an electrical malfunction, while a cool reading could come from a leak. In one case, the camera detected a cool spot in a ceiling due to a leak caused by a faulty 37-cent clip in an upstairs ice maker. If the ceiling had collapsed, it would have caused $125,000 in damage. High-tech devices aren't limited to the high-end market. One insurer offers an online risk-assessment tool that its Homeowners clients can use to find the risks for flooding, wildfire and storm surge, based on their address. This company also provides its clients inexpensive alarms that can detect potential water leaks before they can cause extensive, and expensive, damage. Insurance companies are exploring new technologies. One insurer has patented a data recorder that can be installed in building to analyze potential causes of damage or destruction. Another company has filed a patent for a system that would use spectroscopy to identify chemical changes caused by wildfires and other natural disasters. If such a change were detected and confirmed, the company could speed up the claims process.

Drip, Drip, Drip: Dealing With Water Damage

Author TonyScurich , 4/25/2016
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Of all Homeowners insurance losses, those from water damage are among the most common. Many people often don't consider the potential risks in their own homes until it's too late.

To minimize hazards that can cause water damage claims, we'd like to recommend these steps:

  • Check for leaks. Periodically inspect the area around the refrigerator, washer, dishwasher, water heater, sinks, and toilets for drips, puddles, and discolored, warped, or soft flooring.
  • Pay attention to your water bill. Monthly fluctuations could indicate a leak.
  • Periodically check your water pressure. Water losses often occur due to excessive water pressure. Buy a pressure gauge at your local hardware store, and hook it up to a hose bib. If it's above 65 psi, install a water pressure regulator.
  • Before you go on vacation, take precautions. If temperatures in your area could dip below freezing, make sure that any exposed pipes are insulated, turn off the water supply to individual fixtures, and turn your furnace to low so that the pipes will stay warm enough to avoid bursting.

If you need to file a claim, follow these guidelines:

  • Stop the source of the water by turning off the water main.
  • Call your insurance company immediately. Most companies have staff 24/7 to help you set appointments with contractors who can dry out your house. Your insurer will also send an adjuster to assess the damage.
  • Don't start any major repair efforts until the adjuster has been to your home!
  • Determine what was lost and document it. Even if things were ruined, don't throw them away. Keep pieces of the damaged floor or ceiling, along with any valuable personal property, such as electronics or furniture. At a minimum, take photos or video of the damage.

For more information, give us a call at any time.


Three women displaced in Live Oak house fire

Author TonyScurich , 4/25/2014
Scurich Insurance Services, Watsonville CA, Homeowners InsuranceThree Live Oak women and a dog were displaced from their house on the 300 block of Seventh Avenue after a Tuesday night fire destroyed part of a garage and damaged the rest of the home with smoke. Shortly before 10 p.m., one of the residents at the home walked into the garage and found it full of smoke and on fire, said Mike DeMars, fire inspector for Central Fire. A housemate walked in after smelling smoke and found the first woman standing frozen in the smoke-filled room, DeMars said. "(The first woman) was a bit overwhelmed," DeMars said. After calling 911, the two women told a third housemate to leave the house. Central Fire and Santa Cruz Fire arrived on scene to extinguish the fire, which was in one corner of the garage and spreading to the ceiling, DeMars said. Firefighters extinguished the flames within 10 minutes. The garage, which was attached to the two-story home, had been converted to a living space where one of the women lived, DeMars said. Investigators said the fire was accidental and traced the cause to combustible materials, including a bookcase, that were placed too close to a water heater in the garage, DeMars said. The woman who first discovered the fire may have suffered smoke inhalation but declined treatment, DeMars said. There were no other reported injuries. The home was declared uninhabitable, with fire damage to the garage and smoke damage to the rest of the two-story home. The women and dog were relocated with the help of the American Red Cross Santa Cruz County. DeMars noted that the home did not appear to have any smoke detectors, which could have notified the residents of the fire. Content provided by http://www.santacruzsentinel.com/copsandcourts/ci_25625610/cops-and-courts-april-24-2014-three-women Don't let this happen to you.  Make sure you have working smoke detectors in centralized locations throughout the house.  Contact Scurich Insurance Services today to make sure that you are completely covered in the event of a fire.