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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 furniture - furniture

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.


Business Property Insurance: Replacement Cost Or Actual Cash Value?

Author TonyScurich , 4/8/2016
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Business Property insurance protects your building and property against loss or damage from theft, accident, and a variety of other causes. The policy will pay for replacing or repairing covered property or providing compensation for irreplaceable items.

If you don't own your building you'll still need to cover its contents: fixtures, furniture, office equipment, inventory and the supplies stored at your location or off-site.

The premium will depend on whether you choose to insure the replacement cost or actual cash value (ACV) of the property. Most Business Property coverage is written on a replacement-cost basis, which will reimburse you for replacing lost or stolen goods with new items at current market prices. This feature can help your business recover from the loss or theft quickly. (If you're leasing equipment, the leaseholder might require you to cover it at replacement value.) You'll need to revise your coverage when you acquire or dispose of property. Be sure to update replacement values over time; a computer worth $1,000 two years ago might cost half that today - on the other hand, the price of a desk might well increase.

Actual cash value coverage, which generally costs less, provides reimbursement for the depreciated value of covered property. If your business owns its own equipment, which you could replace easily with comparable goods at depreciated market value, the lower premium of an ACV policy might make it a more cost-effective choice.

As always, our agency's Business Insurance specialists stand ready to offer their advice on choosing the coverage that's best for you. Just give us a call.


Help prevent common household fires

Author TonyScurich , 6/17/2015

fire-houseUsing our claim data, we have developed a list of the most common causes of fire-related losses as well as some things you can do to help prevent them.

Faulty Wiring and Outlets Are One of the Top Causes of House Fires.

  • Check the electrical cords throughout your home for signs of fraying, and replace all frayed wires.
  • Do not pinch or cover electrical cords with items such as rugs.
  • Be aware of the capacity of your home's electrical system. Do not overload your circuits. If you have questions about your home's electrical system, you may want to consult a licensed electrician.
  • Understand the difference between surge protectors and power strips - both allow you to plug in multiple electronic devices, but only the surge protector will help protect these devices from a power spike. Use surge protectors to protect valuable electronic devices, such as computers and televisions.

Carelessness in the Kitchen May Also Lead to a House Fire.

  • Never leave your pots or pans unattended on your stove.
  • Keep a kitchen fire extinguisher readily available and know how to use it.
  • Keep your stove and oven clean. Built up food splatter or grease can later ignite when the stove or oven is turned on for cooking.
  • Read more tips to help prevent cooking fires, and what to do if one occurs.

Clothes Dryers are Another Common Source of House Fires.

  • If you are installing your own dryer vent, follow the directions in the manufacturer’s installation instructions, using the recommended duct material. If you are unsure about how to properly install the vent, consider hiring a professional to do the installation.
  • Clean out the dryer vent regularly.
  • Clean out the lint filter after each load.
  • Lint may also collect under and behind your dryer, so do not forget to clean these areas.

Alternative Heating Sources May Also Create a Fire Hazard.

  • Avoid using an older space heater, as it may not have adequate safety features compared to newer units. When purchasing a new space heater, ensure it is UL Listed and pay attention to the safety features.
  • Do not place a space heater near furniture, curtains or other objects that could easily catch fire.
  • If you plan to install an alternative heating system, such as a wood or pellet stove, follow the instructions. If you are unsure about how to properly install the system, consider hiring a professional to do the installation.
  • Before installing a wood or pellet stove, check to ensure it complies with the laws of your state and municipality.

Dirty Chimneys Also Pose a Fire Hazard.

  • Have your chimney inspected annually by a Chimney Safety Institute of America (CSIA)-certified chimney sweep. Have a professional clean and repair the chimney as needed, especially before the cold months, when you will be using it frequently.
  • Use seasoned wood only. Never burn green or damp wood.
  • Never burn cardboard boxes, wrapping paper, trash or trees in your fireplace - these can all spark chimney fires.

4 Spring Cleaning Tips That Protect Your House

Author TonyScurich , 3/13/2015
spring cleaningSpring cleaning does more than remove dirt and grime left over from winter. It also protects your house and reduces maintenance costs. So, try four spring cleaning tips this season as you cleanse your home. 

1. Wash walls, windows and baseboards.

Often overlooked during weekly cleaning, the walls, windows and baseboards of your home harbor plenty of dirt and dust. Wash them at least once a year to ensure they look nice and to protect their finish. 

*Move the furniture away from the walls, and wipe down the walls with a slightly damp cloth or magic eraser. 
*The baseboards are also easy to wash off with a damp cloth. A toothbrush reaches into all the crevices. 
*Use vinegar on the windows instead of glass cleaner to cut through accumulated dirt and prevent streaks. 

2. Scrub the carpet.

Accumulated dirt, pet dander and odors can quickly ruin your carpets. Instead of merely running the vacuum each week, deep clean the carpets at least once a year. You can easily rent a carpet cleaner and do the job yourself or hire a professional cleaner as you prolong the life of your floors. 

3. Care for furniture.

Modern or antique, your furniture will last longer when it's free from dirt. Take time this spring to wipe off each piece from top to bottom. Use a soft cloth on wood to prevent scratches, and remember to spot treat dirty upholstery, flip the cushions and repair any tears or holes in the fabric.

4. Reduce clutter.

In addition to attracting pests and rodents, clutter reduces your ability to exit your home in an emergency. Commit to tossing or donating clutter like piles of books, excess furniture or anything you haven't used in six months. Your home will thank you.

With these four spring cleaning tips, you're able to reduce maintenance costs over time. So, look forward to protecting your home this season.