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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 waterproof - waterproof

Home, Sweet (Temporary) Home

Author TonyScurich , 3/18/2016
1If a disaster covered under your Homeowners insurance wrecks your home, you don't have to couch-surf until repairs are finished.

The standard Homeowners policy will pay for loss of use or Additional Living Expenses (ALE) - such as rental and hotel costs - while your dwelling remains uninhabitable

Check out these guidelines for using this valuable coverage:

  1. Know the amount of your ALE. The Homeowners policy caps additional expenses as a portion of the Dwelling coverage (usually 20%) and sets a time limit, such as 12 months. If you believe that you'll need more coverage, increase the amount before disaster strikes.
  2. Look for comparable digs. Staying in a hotel gets old rapidly, so you'll want to get settled quickly. However, don't decide too soon - you're entitled to stay in a place that's comparable in size and quality to your house.
  3. Count all your extra expenses. In addition to the cost of housing, don't overlook other expenditures - everything from restaurant meals while living in a hotel and fees for boarding pets to the expense of coin-operated laundry and extra mileage for driving further to work.
  4. Remember that the key word for ALE is "additional." The insurance company can deduct any money you save from living in temporary housing (such as the amount you would have spent on groceries from your reimbursement for restaurant meals while you're staying at the hotel).
  5. Keep your receipts. The insurance company will generally reimburse you for expenses as they're incurred, rather than paying a lump sum. Keep meticulous records of every expenditure, save all your receipts - and store them in a waterproof, zippered pouch.

For more information on your Additional Living Expenses coverage, please feel free to get in touch with us at any time.

 

Winter Driving Tips

Author TonyScurich , 12/14/2015
aquaplaning-83008_1280Any travel during winter months is risky. Storms come out of nowhere, roads become icy quickly and inexperienced drivers take unwise risks. Be prepared to stay safe on the road thanks to eight winter driving tips. 1. Check the forecast. In less than a minute, you can find out if you'll be driving in fog, snow or ice. You can also discover which roads are blocked and if you need to find an alternative route to your destination. 2. Slow down. In snowy conditions, cut your speed in half to ensure you have adequate stopping distance. Don't go so slow, though, that you lose momentum on grades. 3. Know skid recovery. Braking on slippery roads can cause your vehicle to slide instead of stop. If this happens, you need to know how to recover. Stay off the brake and steer your vehicle the way you want it to go. 4. Stay smooth at the controls. Pounding on the brake, shifting hard and even clenching the steering wheel make winter driving harder than it has to be. Instead, use smooth motions and relax as you drive. 5. Check your tires. Proper tire inflation and tread improve your vehicle's traction and ability to stay on the wet or icy roads. Check the inflation of your snow tires frequently since cold weather decreases tire pressure, and make sure the tread is at least 1/8-inch. Carry snow chains, too, if necessary. 6. Know your vehicle. Every car and truck handles differently. Before heading out in winter weather, make sure you know how your vehicle handles. Know where the windshield wipers, defrost button and four-ways are, too. 7. Pack survival supplies. If you're stranded or in an accident, you need a few supplies. Definitely store a snow shovel, sand or litter and lock de-icer in your vehicle. Consider packing a portable power source, flashlight, waterproof matches, tow rope, first aid kit, energy bars and blanket also. If you do get stranded, wait for help to arrive. 8. Stay hydrated. Dehydration can make you drowsy and reduce alertness. Drink water before you head out and carry a bottle or two with you so that you can stay alert. Winter driving can be dangerous, but follow these eight tips to stay safe. Remember to check in with your auto insurance agent, too. Update your policy as you prepare for whatever winter throws at you on the road.