According to Jeff Stockton of PuroClean Insurance Services these are some steps you can take to help reduce your loss should you suffer water damage to your property.
* Stop the water: Turn the water off. Call a plumbler.
*Throughout the House: Remove as much excess water as is possible by mopping up and blotting. Open doors and windows in cool weather to speed drying. In hot weather, switch the air conditioning on high if it is safe to do so. Call a professional water removal expert.
*Upholstry: Remove all loose cushions and prop up on a clean sheet for more even drying. Check for possible "color transfer".
*Carpets: Remove area rugs from wet, wall to wall carpets. Pick up any books, magazines,or other items that may be sitting on the carpet.
*Furniture: Place aluminum foil, wood blocks, or plastic under furniture legs to prevent wet carpet from "wicking" moisture up into the furniture. Open , but do not force, drawers and cabinet doors to dry out interiors.
*Ceilings: Punch small holes in sagging ceilings to relieve trapped water. Place a drip pan underneath; move any nearby furniture or items to a safe distance.
*Artwork: Remove paintings and other artwork to a safe and dry place.
*Clothing: Dry all garments as soon as possible. Hang fur and leather goods to dry at room temperature.
Insurance policies can be used to return your property to the same condition prior to suffering a loss and will only pay in the event of a "covered peril". An old roof that wears out and begins to leak is not a peril that is covered by an insurance policy. Misunderstandings arise when property owners attempt to use insurance for maintenance purposes. Before you contact your agent and report a claim you may first want to contact a remeadation specialist. They can help you determine if you have a claim or not as they work with insurance adjusters daily.
If you have any questions you may contact me at robmtchl@msn.com or Jeff Stockton at PuroClean at jstockton@puromail.com
Friday, March 16, 2007
Monday, March 12, 2007
Get Free Long- Term Care Insurance Information
U.S. Department of Health and Human Services Administration on Aging
Home
Awareness Campaign Information
National Clearinghouse for Long-Term Care Information (Off-Site)
Own Your Future is a valuable resource that will help you prepare for the long-term care needs you may have in the coming years. Planning for long-term care is smart, so ORDER or DOWNLOAD your free Kit and START PLANNING NOW!
You may also wish to consult with an insurance professional regarding long-term care insurance. I will be happy to help you design a plan thats right for you. Contact me at:
robmtchl@msn.com
The Own Your Future Campaign is sponsored by 3 agencies within the U.S. Department of Health and Human Services: the Centers for Medicare and Medicaid (CMS), the Office of the Assistant Secretary of Planning and Evaluation (ASPE) and the Administration on Aging (AoA). The National Governors Association (GSA) has been a key partner in promoting the Campaign with the nation's Governors and state governments.
Contact Information Privacy Disclamer FOIA Accessibility
Home
Awareness Campaign Information
National Clearinghouse for Long-Term Care Information (Off-Site)
Own Your Future is a valuable resource that will help you prepare for the long-term care needs you may have in the coming years. Planning for long-term care is smart, so ORDER or DOWNLOAD your free Kit and START PLANNING NOW!
You may also wish to consult with an insurance professional regarding long-term care insurance. I will be happy to help you design a plan thats right for you. Contact me at:
robmtchl@msn.com
The Own Your Future Campaign is sponsored by 3 agencies within the U.S. Department of Health and Human Services: the Centers for Medicare and Medicaid (CMS), the Office of the Assistant Secretary of Planning and Evaluation (ASPE) and the Administration on Aging (AoA). The National Governors Association (GSA) has been a key partner in promoting the Campaign with the nation's Governors and state governments.
Contact Information Privacy Disclamer FOIA Accessibility
Friday, March 2, 2007
Real Life Story: Auto Dealership Business Continuation
Brian HouseBrian House knew that one day he would run the family's Chevrolet dealership, but he never imagined that it would be at age 29, after his father suffered two massive heart attacks. Life insurance proceeds ensured that Brian's mother would be financially protected and provided the business with the cash needed to ensure a smooth transition. Today, Brian is vice president and dealer-operator at the family-run dealership, one of the most successful in upstate New York.
View the Real Life story here: http://www.life-line.org/rls/house.html
View the Real Life story here: http://www.life-line.org/rls/house.html
Wednesday, February 28, 2007
Real Life Stories
Real Life Stories:
http://www.life-line.org/rls/hoskins.html
After you watch this video, Please call me so we can review your coverages.
Rob Mitchell, LUTCF
robmtchl@msn.com
http://www.life-line.org/rls/hoskins.html
After you watch this video, Please call me so we can review your coverages.
Rob Mitchell, LUTCF
robmtchl@msn.com
Which TV Dad Needs the Most Life Insurance?
The nonprofit Life and Health Insurance Foundation for Education (LIFE) sponsored the national survey that used fictional characters to get Americans thinking about their own life insurance needs during Life Insurance Awareness Month.
Survey Findings
Conducted by KRC Research between September 7-10, 2006, the survey asked 1,019 adult Americans to consider five television dads and select the character they believe needs the greatest amount of life insurance coverage. Here’s how the public responded:
Tony Soprano
25%
Homer Simpson
17%
Cliff Huxtable
12%
Ray Barone
12%
Mike Brady
10%
Not sure
23%
These results illustrate the fact that many Americans often make the mistake of focusing too much on the chance that they will die and need life insurance, rather than thinking about the losses their family will incur if they die.
“Determining how much life insurance you need is a factor of your family’s immediate and ongoing expenses, current assets, living situation and future plans,” says Mitchell. “No matter what you do for a living, your future is unknown, so how risky your job is really has nothing to do with how much life insurance you need.”
“Working as a mob boss, Tony Soprano lives dangerously, but he’s probably one of a tiny percentage of Americans who is ‘self insured’ when it comes to life insurance,”. “Carmela is certainly accustom to a comfortable lifestyle and his children’s college costs need to be covered, but Tony’s likely got enough money stashed away to provide for his family no matter what happens to him the future.”
Tthe other four TV dads are in much different financial situations than Tony. “Based on what we know about the other dads, they all have a pretty clear need for life insurance because they are probably not independently wealthy and all make significant financial contributions to their families.”
How Much Life Insurance Do You Need?
According to the LIFE Foundation, figuring out how much life insurance you need depends on how much money your family will need after you're gone in order to cover immediate financial obligations, maintain their standard of living and meet future expenses, such as college tuition and retirement.
To help Americans get a handle on the various factors that go into that final figure, insurance expert Rob Mitchell LUTCF, walks through a basic insurance needs analysis for Mike Brady of “The Brady Bunch,” the TV dad who ranked lowest in the survey.
“Having already been widowed with three young sons, Mike Brady knows firsthand why planning for the unexpected is so important,” says Mitchell. “It’s really surprising that Americans ranked Mike the lowest because if there ever was someone who needed a lot of life insurance, it’s him. He’s the sole breadwinner for a family of eight and his income also supports Alice, a full-time housekeeper.”
Step 1: Estimating Immediate Expenses – “If Mike died prematurely, in addition to the funeral, lawyer fees and estate settlement costs, the Brady family would have to continue paying the mortgage on their $1 million ranch house, car loans, Alice’s salary, utility bills, credit cards and other outstanding debts,” says Mitchell.
Step 2: Estimating Ongoing Income Needs – “As an architect working in Los Angeles, Mike probably earns an estimated $85,000 a year. Given the number of children, their ages and the fact that Carol doesn’t work outside the home, he would want enough life insurance to replace that missing income for at least 5 to10 years or maybe longer,” continues Mitchell.
Step 3: Estimating Future Expenses – “Watching the six Brady children grow up, we know that they all attended college, in some cases graduate school, so money to fund those plans would also need to be secured. Mike also might want enough life insurance to help ensure a secure retirement for Carol,” says Mitchell.
Expert Recommendation – So how much life insurance does Mike Brady need? According to Mitchell, quite a bit. “Based on these assumptions, it seems clear that Mike needs at least $1 million in life insurance,” says Mitchell. “That would be about 12 or 13 times his annual income in coverage, and for someone with his kind of financial circumstances, that seems about right. The truth is, he could probably use even more considering that he’s the sole breadwinner and has so many children.”
To determine how much life insurance you need to protect your loved ones, the nonprofit LIFE Foundation has a Life Insurance Needs Calculator on its website at www.life-line.org/howmuch. For a more detailed needs analysis, LIFE recommends that consumers meet with a qualified insurance professional in their community.
Biographical Profiles of the Five Characters in the Survey
Tony Soprano: A "waste management consultant," and New Jersey mob boss. Wife is a stay-at-home mom, has two young adult children. Salary estimate: $87,000 on the books
Homer Simpson: Nuclear safety inspector who lives in Springfield, small town USA. Wife is a stay-at-home mom, has three young children. Salary estimate: $58,000
Cliff Huxtable: Physician (Obstetrics/Gynecology) living in Brooklyn, NY. Wife is a lawyer. They have 5 children. Salary estimate: $264,000 (Clair’s base salary estimate: $200,000)
Ray Barone: Newsday sportswriter who lives in Lynbrook, Long Island. Wife is a stay-at-home mom, has three young children. Salary estimate: $50,000
Mike Brady: Architect who lives in Los Angeles, CA. Wife is a stay-at-home mom, has six kids total from a combined marriage and a housekeeper. Salary estimate: $85,000
*Note: All salary figures are median base pay estimates based on occupation and location, generated on Salary.com.
About LIFE
The Life and Health Insurance Foundation for Education (LIFE) was founded in 1994 in response to the public’s growing need for information and education on life, health, disability and long-term care insurance. LIFE also seeks to remind people of the important role insurance professionals perform in helping families and businesses safeguard their financial futures. To learn more about these topics, please visit www.life-line.org.
Do discuss your needs contact Rib Mitchell, LUTCF at robmtchl@msn.com
Survey Findings
Conducted by KRC Research between September 7-10, 2006, the survey asked 1,019 adult Americans to consider five television dads and select the character they believe needs the greatest amount of life insurance coverage. Here’s how the public responded:
Tony Soprano
25%
Homer Simpson
17%
Cliff Huxtable
12%
Ray Barone
12%
Mike Brady
10%
Not sure
23%
These results illustrate the fact that many Americans often make the mistake of focusing too much on the chance that they will die and need life insurance, rather than thinking about the losses their family will incur if they die.
“Determining how much life insurance you need is a factor of your family’s immediate and ongoing expenses, current assets, living situation and future plans,” says Mitchell. “No matter what you do for a living, your future is unknown, so how risky your job is really has nothing to do with how much life insurance you need.”
“Working as a mob boss, Tony Soprano lives dangerously, but he’s probably one of a tiny percentage of Americans who is ‘self insured’ when it comes to life insurance,”. “Carmela is certainly accustom to a comfortable lifestyle and his children’s college costs need to be covered, but Tony’s likely got enough money stashed away to provide for his family no matter what happens to him the future.”
Tthe other four TV dads are in much different financial situations than Tony. “Based on what we know about the other dads, they all have a pretty clear need for life insurance because they are probably not independently wealthy and all make significant financial contributions to their families.”
How Much Life Insurance Do You Need?
According to the LIFE Foundation, figuring out how much life insurance you need depends on how much money your family will need after you're gone in order to cover immediate financial obligations, maintain their standard of living and meet future expenses, such as college tuition and retirement.
To help Americans get a handle on the various factors that go into that final figure, insurance expert Rob Mitchell LUTCF, walks through a basic insurance needs analysis for Mike Brady of “The Brady Bunch,” the TV dad who ranked lowest in the survey.
“Having already been widowed with three young sons, Mike Brady knows firsthand why planning for the unexpected is so important,” says Mitchell. “It’s really surprising that Americans ranked Mike the lowest because if there ever was someone who needed a lot of life insurance, it’s him. He’s the sole breadwinner for a family of eight and his income also supports Alice, a full-time housekeeper.”
Step 1: Estimating Immediate Expenses – “If Mike died prematurely, in addition to the funeral, lawyer fees and estate settlement costs, the Brady family would have to continue paying the mortgage on their $1 million ranch house, car loans, Alice’s salary, utility bills, credit cards and other outstanding debts,” says Mitchell.
Step 2: Estimating Ongoing Income Needs – “As an architect working in Los Angeles, Mike probably earns an estimated $85,000 a year. Given the number of children, their ages and the fact that Carol doesn’t work outside the home, he would want enough life insurance to replace that missing income for at least 5 to10 years or maybe longer,” continues Mitchell.
Step 3: Estimating Future Expenses – “Watching the six Brady children grow up, we know that they all attended college, in some cases graduate school, so money to fund those plans would also need to be secured. Mike also might want enough life insurance to help ensure a secure retirement for Carol,” says Mitchell.
Expert Recommendation – So how much life insurance does Mike Brady need? According to Mitchell, quite a bit. “Based on these assumptions, it seems clear that Mike needs at least $1 million in life insurance,” says Mitchell. “That would be about 12 or 13 times his annual income in coverage, and for someone with his kind of financial circumstances, that seems about right. The truth is, he could probably use even more considering that he’s the sole breadwinner and has so many children.”
To determine how much life insurance you need to protect your loved ones, the nonprofit LIFE Foundation has a Life Insurance Needs Calculator on its website at www.life-line.org/howmuch. For a more detailed needs analysis, LIFE recommends that consumers meet with a qualified insurance professional in their community.
Biographical Profiles of the Five Characters in the Survey
Tony Soprano: A "waste management consultant," and New Jersey mob boss. Wife is a stay-at-home mom, has two young adult children. Salary estimate: $87,000 on the books
Homer Simpson: Nuclear safety inspector who lives in Springfield, small town USA. Wife is a stay-at-home mom, has three young children. Salary estimate: $58,000
Cliff Huxtable: Physician (Obstetrics/Gynecology) living in Brooklyn, NY. Wife is a lawyer. They have 5 children. Salary estimate: $264,000 (Clair’s base salary estimate: $200,000)
Ray Barone: Newsday sportswriter who lives in Lynbrook, Long Island. Wife is a stay-at-home mom, has three young children. Salary estimate: $50,000
Mike Brady: Architect who lives in Los Angeles, CA. Wife is a stay-at-home mom, has six kids total from a combined marriage and a housekeeper. Salary estimate: $85,000
*Note: All salary figures are median base pay estimates based on occupation and location, generated on Salary.com.
About LIFE
The Life and Health Insurance Foundation for Education (LIFE) was founded in 1994 in response to the public’s growing need for information and education on life, health, disability and long-term care insurance. LIFE also seeks to remind people of the important role insurance professionals perform in helping families and businesses safeguard their financial futures. To learn more about these topics, please visit www.life-line.org.
Do discuss your needs contact Rib Mitchell, LUTCF at robmtchl@msn.com
Expecting a Tax Refund?
Are you expecting a
Tax Refund?
How about
some additional
Life insurance?
Why not consider using some of your tax refund money to purchase Life insurance coverage? Research shows that parents, married or single, are the most underinsured group, with as little as 20% or less of recommended Life insurance protection they need.*
"I already have enough Life insurance", you may think. Although there is no perfect formula because everyone's needs are different, many experts claim that you need five to seven times your current annual income.
Life insurance benefits can provide an income for your family, make mortgage payments, ensure an education for your children, and/or provide retirement security for your spouse. When you buy Life insurance, you are buying protection that only Life insurance can provide. Make a resolution to put that tax refund to work providing protection for your loved ones.
Contact me for a free life insurance protection review.
robmtchl@msn.com
*(LIMRA -- Life Insurance Management & Research Association)
Tax Refund?
How about
some additional
Life insurance?
Why not consider using some of your tax refund money to purchase Life insurance coverage? Research shows that parents, married or single, are the most underinsured group, with as little as 20% or less of recommended Life insurance protection they need.*
"I already have enough Life insurance", you may think. Although there is no perfect formula because everyone's needs are different, many experts claim that you need five to seven times your current annual income.
Life insurance benefits can provide an income for your family, make mortgage payments, ensure an education for your children, and/or provide retirement security for your spouse. When you buy Life insurance, you are buying protection that only Life insurance can provide. Make a resolution to put that tax refund to work providing protection for your loved ones.
Contact me for a free life insurance protection review.
robmtchl@msn.com
*(LIMRA -- Life Insurance Management & Research Association)
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