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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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4th of july Tips

Author TonyScurich , 7/1/2016

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4th of July fireworks, parades and cookouts are an excuse for you to relax with family and friends. As you plan your celebration this year, take several steps to ensure safety for everyone involved in celebrating the United States' birthday.

Use Fireworks Safely Public fireworks displays are the safest way to enjoy the beautiful colors and terrific booms of this July 4th tradition, especially when you maintain a distance of at least 500 feet between you and the show. Firework displays at home can be fun though too. If you go that route, take these precautions.

  • Follow the instructions on the packaging.
  • Never allow children to play with the fireworks.
  • Stock a fire extinguisher or water supply nearby.
  • Wear eye protection when lighting fireworks.
  • Remove flammable materials from the area.
  • Never point fireworks toward people, animals, vehicles or structures.
  • Properly dispose of duds rather than trying to relight them.

Take Precautions While Grilling

Burgers, hot dogs, fruit and pizza taste delicious when they're grilled. Grab your favorite side dishes and follow a few precautions that ensure you and your guests grill safely.

  • Always supervise the grill when it's in use.
  • Never grill indoors or in a fully enclosed area such as a garage or tent.
  • Use lighter fluid sparingly and never after the coals are ignited.
  • Keep children and pets away from the hot grill.
  • Remove flammable objects, including trees, from near the grill.
  • Use long-handled tools to handle food.

Stay Safe on the Beach

Swimming is a fun summer activity, and it's good exercise. At the beach, lake, public pool or backyard pool, stay safe with these tips.

  • Swim only in designated areas.
  • Obey the lifeguard and all posted signs.
  • Swim sober.
  • Get out of the water during a storm or if you hear thunder or see lightening.
  • Require children to wear life jackets.
  • Don't dive into shallow water.

Wear Sun Bathing Protection

Picnics are part of many July 4th celebrations. You should also take these protective measures.

  • Wear sunscreen that's at least 15 SPF.
  • Remember to apply sunscreen to your ears, hair part and the tops of your feet.
  • Avoid direct sunlight between 10 a.m. and 4 p.m. when the UV rays are strongest.
  • Reapply sunscreen every two to three hours or more frequently if you're sweating.
  • Drink plenty of water even if you're not thirsty.
  • Wear a hat, sunglasses and long sleeves if you have to be in direct sunlight.
  • Watch for signs of heat stroke, including hot, red skin, shallow breathing and rapid, weak pulse.

Your July 4th celebration will be safe when you take these steps. For more advice, talk to your health insurance agent. He or she stands ready to help you have the best birthday party ever.


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.


Wildfire Season Starts Early Amid Drought; Costs to Top $1 Billion

Author TonyScurich , 5/19/2014
Scurich Insurance Services, CA, California wildfiresU.S. states plagued by historic drought are bracing for an early wildfire season with a cost that may rise as high as $1.8 billion, or almost $500,000 more than what’s available to control the blazes. Oklahomans fought seven fires in May during what is normally the state’s quietest period. Flames scorched four times as many acres in Texas from January through May as in the same period a year earlier. California is also far ahead of its usual pace and is bracing for hundreds more containment battles throughout the most populous U.S. state. “Drought has set the stage for a very busy and very dangerous fire season,” said Daniel Berlant, a spokesman for Cal Fire, as the Sacramento-based California Department of Forestry and Fire Protection is known. “From Jan. 1 through the end of April, we responded to 1,250 wildfires. In an average year for that same time period, we would have responded to fewer than 600.” The 2014 season is repeating a pattern of destruction established over the past decade by a combination of high temperatures, parched vegetation and more people living in wooded areas. Fires feeding on plentiful dry grass, brush and hardwood are requiring more personnel and money to bring them under control. More than twice as many acres burned across the U.S. through May 9 this year than during the same period in 2013, according to the Boise, Idaho-based National Interagency Fire Center. “With climate change contributing to longer and more intense wildfire seasons, the dangers and costs of fighting those fires increase substantially,” Rhea Suh, assistant secretary for policy, management and budget at the U.S. Interior Department said May 1 in a statement.
Diverting Funds
Federal officials expect to spend about $470 million more than the $1.4 billion that’s been allocated, according to a congressionally-mandated report released May 1. Increasing fire costs required the U.S. Forest Service and Interior Department to divert funds from other programs in seven of the last 12 years, the study showed. Millions of additional dollars in state and local funds are spent each year on persistent and ever- increasing blazes. In Arizona, last year’s record-setting fire season saw 19 members of the Granite Mountain Interagency Hotshot Crew — firefighters who work behind the lines to control the spread of flames — die in the Yarnell Hill fire, the biggest loss of life from a single fire in 80 years. Colorado experienced its most destructive wildfire in history. A conflagration in Yosemite National Park that threatened San Francisco’s water supply became the largest ever in the Sierra Nevada.
Snowpack Low
With snowpack that provides water for a third of California’s farms and cities at only 18 percent of average in some places after the driest year in state history, officials expect to spend $221 million in emergency funds fighting fires by June 30, said Cal Fire’s Berlant. In a normal year, the agency would start hiring seasonal firefighters this month. Instead, Governor Jerry Brown, a Democrat running for re-election, ordered 125 firefighters hired for the northern part of the state in January and kept seasonal crews in the south on the job longer. Cal Fire was “never able to transition out of fire season in 2013,” according to a statement. The agency returned to peak staffing in March in San Diego, Riverside and San Bernardino counties, where equipment and facilities are staffed around the clock. Dead brush and shrubs are drying out faster than usual in conditions more typical of mid-June than May, according to an outlook for May through August compiled by the interagency fire center. "Fuels should remain critically dry for most of the upcoming fire season,” the report said, and be “receptive to ignition and fires that are highly resistant to control efforts.” The risk of significant blazes will also come earlier than usual over much of the U.S. northwest, particularly in Oregon and Alaska, the outlook found. Because of substantial snowpack, the fire potential in the northern Rocky Mountains will be below normal, according to the analysis. Colorado Governor John Hickenlooper, a Democrat running for re-election, said yesterday that several fire-prone areas saw below-average precipitation this winter including the southwest and the southeast, in the grip of an extreme drought.
‘Mitigate Danger’
“It’s up to everyone to make sure they are taking the right steps to mitigate the danger and be prepared,” Hickenlooper said in a statement. “With forecasts and planning, plus the addition of new resources related to wildfire response, we are doing what we can at the state level.” After record-setting wildfire seasons back-to-back, Hickenlooper signed legislation setting aside almost $20 million to buy two fire-spotting planes and hire four helicopters and four large tankers for the effort. Triple-digit temperatures that came early this year to the panhandles of Texas and Oklahoma dried grasses on what already looked like a moonscape, said Mark Svoboda, a climatologist at the National Drought Mitigation Center at the University of Nebraska-Lincoln. Dust Bowl-like conditions in those areas and in southeastern Colorado and northern New Mexico, last seen during the 1930s, are increasing fire risk, he said. “The droughts in California and Texas and Oklahoma are once-in-a-generation types of droughts with conditions we haven’t seen since the 1970s,” Svoboda said. “In California, the population has doubled since the 1970s, putting more structures at risk and increasing the potential loss due to fire. Content provided by http://www.insurancejournal.com/news/national/2014/05/13/328902.htm