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Since 1950, Raley, Watts & O’Neill has been serving the insurance needs of our clients. We started as a one person operation in Lexington Park, MD and are proud of our small town heritage. We have worked hard to maintain the fundamental principles of our roots while we have grown into a company that serves clients throughout the Mid-Atlantic, the United States and Internationally. We pride ourselves on getting it right and taking care of the needs of our clients. We simplify the insurance process and take the time to make sure each of our clients understand their options, what they are buying and where their money goes. Our committed staff has the expertise and extensive experience in a broad range of insurance products and services like Commercial, Personal, Bonding, Safety/Risk Management, Group Health, Life and Financial Services. We would welcome the opportunity to demonstrate to you how working with Raley, Watts & O’Neill is about more than just insurance; it is about a long term relationship. We always strive to never veer from our values – C.A.R.E
Valuable Cold Weather Management Tips
cold_winter_days_by_lomil_gathielThere are more than a few ways to prepare for cold weather.  From your home to your car to yourself, here are five valuable tips for keeping warm when a winter storm or cold temperatures make their way to your town.  And please keep in mind that investing in personal insurance policies for your home, auto and life will be extremely valuable. Cold Management Tips for Your Home In your garage you need to keep rock salt, sand and a shovel.  The salt should be spread over your driveway and any sidewalks you intend to walk on when getting in and out of your car or to and from your mailbox.  You'll also find it beneficial to put sand on your driveway; this provides traction for the tires on your car when backing in and out of your driveway.  A shovel will of course be used to shovel any ice and snow off of your driveway and sidewalks. Also within your home you need to make sure you have an adequate supply of heating fuel in the instance that an electric heater was to be of no use.  Heating fuel can come in the form of regular gasoline for a generator or in the form of wood for a wood-burning stove. Cold Management Tips for Your Auto Make sure to check the following components on your car before heading out in cold temperatures:
  • Thermostat
  • Antifreeze levels
  • Tires
  • Windshield wipers
  • Exhaust system
  • Lights
  • Brakes
  • Battery
  • Oil
Cold Management Tips for Yourself You will need to keep plenty of jackets and warm blankets on-hand during the winter.  In your pantry, make sure it is stocked full with canned goods and other items that don't go bad quickly.  Your refrigerator should regularly be stocked with at least two to three gallons of milk, and in your freezer you should keep as much bread as possible.  As stated earlier, a generator will be of value in the event that your electric was to be cut off.  The generator can be used to power your refrigerator and freezer to ensure the items inside do not go bad.
Gordon O’Neill
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