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1 Inside Insurnce Control Wter Losses With Common Sense AbleSck.com/Hemer Technologies/Thksck Most time, homeowners cn protect mselves from wterrelted property losses by usg good, old-fshioned common sense. Experts dvise tht we follow few simple rules hve more plesnt cold wer experience. Hve your hetg system spected mke sure it is workg properly. If you use supplementl hetg device mke sure: it is UL pproved it is good opertg condition it is used sfely, mtg sfe distnce from flmmble items you follow ll sfety guidnce provided by mnufcturer If you get snowed t home sitution isn t dire, just relx preserve het by hngg blnkets over wdows doors. A trickle hot cold wter from your tps might be ll it tkes keep your pipes from freezg. Open doors cbets contg plumbg llow het efficiently spred side cbet. Mke sure remove grden hoses from outside fucets. Check for possible ir leks round doors wdows. Sel electricl outlets switches on outside wlls. Py specil ttention sultion round plumbg on outside wlls. Hopefully you remembered cler your gutters leves debris void ice buildup tht cn result ro leks. Better yet, stll gutter gurds. These cn help keep snow ice from buildg up side gutters. Outside hetg pplinces like het pumps be cler snow debris work efficiently. Plnng hed will provide you greter ssurnce you will be ble wer wter srms sfely. Inside: Dylight Svg Time s Hidden Costs Ohio Deer-Vehicle Collisions Why Are My Homeowners Insurnce Premiums Incresg? The Commercil Umbrell Policy Block Insurnce Agency, Inc. Responsive Service Expert Advice Sfety Gme Pln Remder: Ohio s Textg Bn for Drivers Home Fire Extguisher Sfety Inside: Wer Impct on Homeowners Insurnce Dylight Svg Time s Hidden Costs Cost Homeowners Clims Risg Selectg Best Smoke Alrm Newer Home Furnishgs Present Fire Hzrd Textg Driver Chrged with Mnslughter Wter 13

2 Inside Insurnce Dylight Svg Time s Hidden Costs Check your gs While first suggested pplince connections by Benjm Frnkl 1784, it ws until World Wr I tht dylight With wter hetg seson pprochg, svg time we (DST) need ws tke necessry precutions first protect used. The ourselves purpose from potentil threts tht cn occur ws from reduce with our mount own homes. One such thret is found fulty cescent connecrs lightg on gs pplinces. Gs connecrs re use, corrugted reby conservg metl tubes used connect gs pplinces col your supplies. home gs supply pipes. For some people, Some older brss connecrs my djustg hve flw sleep hbits jot end pieces. This cn seprte this chnge potentilly cn cuse be very gs lek tht could led property difficult. dmge The or New jury Engl if replced. Perhps gretest fer Journl is hltion Medice crbon monoxide, silent killer. (NEJM) hs reported DST chnge leds n Uncoted pproximte brss eight connecrs percent crese hve been trffic mde ccidents. for more thn The report 20 yers, exmes but mny number m re ftl still u use. ccidents Older connecrs occurrg on re more Mondy susceptible followg filure. begng DST. AbleSck.com/Hemer Technologies/ThkSck Confusion mong homeowners bout morized vehicles NEJM s fdgs lso cluded tht when lck sleep is combed with lcohol use, cidence lcohol-relted deths from u ccidents lso creses. The fdgs NEJM s study is supported by similr study conducted by Helth Humn Service Deprtment t Mendoco College Cliforni, which found tht percentge lcohol-relted ftl crshes cresed significntly durg first More seven thn dys once, fter holders se chnges hve DST. sked bout ir jet skis or morcycles tht re sred ir Much like grges, trvelg believg between tht time sce zones, y re time srge, chnge requires ir our homeowner bodies djust policies will new provide sleep. wke schedule Our tht nswer feels similr likely. jet lg. Our ternl clocks, which run on more or less 24-hour cycle, re suddenly confused. A common Mny morists exclusion don t relize found tht ll just homeowner loss one hour policies sleep excludes cn throw property your circdin rhythm for morized out blnce. l conveynces (mor vehicles) ir equipment. Although excluded entirely, re is While only very bout limited one percent for wtercrft drivers crsh becuse trilers. drowsess ech yer, tht equls tl 1.9 million drivers, The ccordg homeowner Ntionl ws Sleep never Foundtion. ment provide While djustg this slight for vehicles. chnge There sleep re cycle few tkes exceptions. just few dys A conveynce, for most people, such s it cn ridg tke lwn up mower, week for While ll uncoted connecrs hve this flw, it s hrd ors. is covered by if it is used for tell which ones do. Any uncoted brss connecr should mtennce premises. Conveynces be Ohio replced with Deer-Vehicle new connecr mde stless steel Collisions or designed ssist hicpped re lso plstic-coted brss. Alwys replce connecrs whenever covered. Most ten, re is n dditionl restriction n pplince is replced or moved from its loction. The risk collidg with which deer sttes is gretest tht vehicle durg cn Ocber subject Jnury mtg seson, ccordg mor vehicle Ohio registrtion. Deprtment Public Sfety Most experts dvise hvg pplince checked (ODPS) by Ohio Stte Highwy Ptrol. The ODPS reports tht qulified pressionl pplince repir service 2010, exme re were 23,301 When deer-vehicle it comes crshes., compnies connecrs replce m if needed. vry for use wtercrft from Most deer-vehicle crshes occur for t limited dwn horsepower dusk. Almost outbord 55 percent bots crshes occurred between no 5 p.m. t ll. 1.m., 22 percent occurred between 5 8.m. Our dvice is ply odds come up short. Wht is crbon monoxide? The five counties with highest number reported deer-vehicle crshes 2010 were Cll Richl, us Strk, discuss Summit, your Willims Hmiln. Crbon monoxide (CO) is colorless, tsteless It is estimted tht Ohio s prticulr deer circumstnce. popultion is 750,000, with heviest potentilly ftl gs, produced from efficient concentrtion burng beg est-centrl soust prts stte. fossil fuels. Comsck/Comsck/Thksck Accordg Center for Disese Control Prevention (CDC), The ODPS more suggest thn 500 people followg ccidentlly tips for die morists: from crbon monoxide Slow down ech yer use extreme United cution Sttes, more res thn mrked from with deer crossg signs. ny If or you poison. see deer An estimted ner highwy, 10,000 people re re re probbly treted more deer re. nnully After for drk, CO if poisong re no opposg hospitl emergency trffic, utilize rooms, high bems but illumte deer s eyes. it is believed If impct tht with re deer re seems mny unvoidble, more unreported don t cses. swerve. Brke firmly sty your lne. Alwys wer your setbelt. Most surers cover this type loss s or thn collision which usully crries smller deductible. Insurers normlly don t penlize for deer-vehicle collisions. Accordg Insurnce Informtion Institute, vehicle dmge from deer collisions verges bout $3,100 per clim ntionlly. Bodily jury could crese this mount drmticlly.

3 Remder: Ohio s Textg Bn for Drivers A sttewide textg bn for Ohio driver s ok effect Aug. 31, Textg while drivg is now secondry fense for drivers 18 older. Tht mens n ficer hs sp driver for nor fense first, such s speedg. But drivers under 18 re llowed text, use cellphones or or h-held devices period. For m it s primry fense. The bn does llow ll drivers text use ir cellphones cses n emergency, however, textg even while spped t red lights is forbidden. Both dults mors cn be fed up $150 for ir first fense $300 for ir second fense. Mors lso could hve ir licenses suspended for 60 dys fter ir first fense for yer fter ir second fense. Drivers re prohibited from textg 39 sttes District Columbi, but experts sy tht qurter drivers re unwre ir stte s lw. A study conducted by dependent reserch firm Tolun surveyed more thn 5,000 consumers. It showed 62 percent drivers ir 20s dmitted textg while drivg, while 53 percent drivers ges re guilty textg while behd wheel. The study showed only 17 percent drivers ges text while drivg. Home Fire Extguisher Sfety Fire smoke lrms hve been very successful with svg lives property for devsttion tht fire cn cuse. Estimtes re tht pproximtely 95 percent homes utilize se sfety devices. Every home should lso hve t lest one fire extguisher. Although fire extguishers re very ffordble, y re utilized fr less thn fire smoke lrms. Fire extguishers come vriety types for vrious uses: Clss A Fires: Fires ordry combustible mterils, such s wood, cloth, pper, rubber mny plstics. Clss B Fires: Fires flmmble liquids, oils, greses, trs, oil-bsed pts flmmble gses. Clss C Fires: Fires tht volve energized electricl equipment. Utilizes nonconductive gents. Clss D Fires: Fires volvg combustible metls or combustible metl lloys. Primrily used dustril pplictions. Clss E Fires: Fires tht volve vegetble oils, niml oils or fts cookg pplinces. Mostly utilized commercil cookg. The Ntionl Fire Prevention Assocition (NFPA) dvises usg commonly vilble A-B-C fire extguisher for home use. This extguisher removes ny doubt bout usg proper extguisher for home use. These extguishers re redily vilble t ll home sres re very esy use. It is importnt use extguisher sfely. Extguisher Use Instructions: Remember P.A.S.S. P - Pull sfety p t p extguisher locted on hle. A - Aim nozzle t bse flmes. Sty t good sfe distnce. S - Squeeze or press hle. S - Sweep from side--side t bse fire until it goes out. When Not Fight Fire: If fire is spredg beyond immedite re where it strted, or is lredy lrge fire. If fire could block your escpe. When you re doubt your sfety. When you re unsure extguisher type. If ny one se conditions is present, or you question your sfety, get out let fire deprtment fight fire.

4 brought you by proud member Pressionl Independent Agents Assocition Ohio, Inc. IMPORTANT OHIO INSURANCE CONSUMER INFORMATION Why re my homeowners surnce premiums cresg? G better understg why your Ohio homeowners surnce premiums re on rise The short nswer: wer shred risk. How does Ohio stck up? The Buckeye Stte rnks 6th lowest United Sttes bsed on its verge homeowners surnce premium. Even with crese loomg, cost rems considerbly lower Ohio thn most or sttes. Ohio s 2012 verge premium rte is 29% below ntionl verge! When wve mjor srms strikes Ohio, or nywhere United Sttes for tht mtter, your crrier uses surnce premiums py clims help cusmers, like you, recover. If y expect more srms, your rtes crese. Ohio hs been rocked with severl devsttg srms this pst yer, from hil srms rndoes. Experts identified cuses for crese, but two mjor resons re: An crese severe wer events: The effect L Niñ, which cuses collision cooler wrmer ir over United Sttes, hs gitted rougher wer this yer. The growg popultion: More people mens more buildgs structures lyg potentil pths destruction. Simply stted, greter frequency severity srms crete higher premiums, regrdless wher or you hve hd clim. We re midst very long-term trend. Whtever underlyg cuses re, this is pushg up cost providg surnce mny prts country. Insurers hve begun reflect tht ir rtes. Robert Hrtwig chief economist president Insurnce Informtion Institute source: Ohio Insurnce Institute estimted figures How sve on homeowners surnce The best wy reduce impct rte crese is tlk your dependent surnce gent bout your options let m fd best solution for your needs. Their knowledge pressionlism is your best option.

5 Inside Insurnce Commercil Corner Commercil Corner The Commercil Umbrell Policy The Umbrell Policymong CheckCommercil your gs Confusion A commercil cn protect you by pickg up where your or policies end. The sometimes coverscn clims thtyou by or my cover. For exmple, consider The suit climg A commercil protect pickg up policies where your or policies end. libel or sler. The clims commercil clerly when most orpolicies do.libel or sometimes covers tht or policiesprovides my this cover. For exmple, consider suit climg sler. The commercil clerly provides this when most or policies do. Most busesses ply it sfe by securg commercil rnge $1 million $5 million. The With wter hetg seson pprochg, we need commercil will hve some requirements tht you qulify for. You Most busesses ply it sfe by securg commercil meet rnge $1 million $5 million. The crry tke necessry precutions protect ourselves limits on your or policies equl tht mimum required by surer, usully round commercil will hve some requirements you meet qulify for. You crry from potentil threts tht cn occur from with our own $500,000. limits on your or policies equl mimum required by surer, usully round More thn once, holders hve sked bout homes. One such thret is found fulty connecrs on $500,000. ir jet skis or morcycles tht re sred ir gs pplinces. Gs connecrs re corrugted tubes The limits your or policies willmetl be used before responds those situtions where grges, believg tht sce y re srge, used connect gs pplinces your home gs supply exists underlyg policies. In those where underlyg do cover clim,where such s libel The limits your or policies will be used beforecses policies responds those situtions ir homeowner policies will provide. pipes. exists sler, underlyg will drop down where cover subjectpolicies smll self-sured retention, similr policies. In those cses loss underlyg do cover clim, such s libel Our nswer likely. deductible, pyble bywill drop sured. sler, down cover loss subject smll self-sured retention, similr Some older brss connecrs my hve flw jot deductible, This pyble by sured. A common exclusion found ll homeowner end pieces. cncommercil seprte potentilly cuse Typicl thgs does cover clude: policies excludes property for morized gs lek tht could led property dmge or jury if Pressionl Libility Typicl thgs commercil does cover clude:l conveynces (mor vehicles) ir replced. Perhps gretest fer is hltion crbon ProductLibility Reclls Pressionl equipment. Although excluded entirely, re is monoxide, silent killer. Workers Product RecllsCompenstion Coverge very limited for wtercrft trilers. Pollution Workers Compenstion Coverge Uncoted brss connecrs hve been mde for more Terrorism The homeowner ws never ment provide thn 20 Pollution yers, but mny m re still use. Older Terrorism for vehicles. There re few exceptions. connecrs re more susceptible filure. If you choose purchse excess $1 million, you might benefit from premium per million dollrs A conveynce, such s ridg lwn mower, downwith echsuccessive million dollrs might purchsed. Let s discuss this vluble If you choose gog purchse excess $1 million, you benefit from premium million dollrs is covered by if it isper used for While ll uncoted connecrs hve this flw, it s hrd furr. Give us with cll.ech successive million dollrs purchsed. Let s discuss this vluble gog down mtennce premises. Conveynces tell which ones do. Any uncoted brss connecr should Phodisc/Ryn McVy/Thksck furr. Give with us cll. designed ssist hicpped re lso be replced new connecr mde stless steel or pplince connections homeowners bout morized vehicles plstic-coted brss. Alwys replce connecrs whenever n pplince is replced or moved from its loction. covered. Most ten, re is n dditionl restriction which sttes tht vehicle cn be subject mor vehicle registrtion. Sfety Gme Pln Sfety Pln Most experts dvise Gme hvg pplince checked by Phodisc/Ryn McVy/Thksck When itresponsibilities. comes, compnies qulified pressionl pplince service mngg exme sfety Assign Mke deprtment heds When it comes down it, repir pproch vry for use wtercrft connecrs replce m if needed. supervisors ccountble fordeprtment ir res heds from responsibility. is no different thn successful busess Responsibilities. Mke Whenperformnce it comes down it, pproch mngg sfety Assign for limited outbord bots Provide rewrds when sfe res behvior is observed. pln. The success n esily mngedbusess pln results when supervisors ccountble forhorsepower ir responsibility. performnce is no different thn successful t ll. sfety issuesfitn directly your mngement Providenorewrds when sfe behvior is observed. pln. The success esily mnged pln results strtegy. when Identify, Then Control Hzrds. Hve sfety spection sfety issues fit directly your mngement strtegy. Our dvice is ply progrm process for reportg. Mke sure Right from strt, this helps you g better control Identify, Then Control Hzrds. Hve sfety spection odds come up short. you implement timely follow up correct identified hzrds. issues drsticlly chngg wy process for reportg. Mke sure Right sfety from strt,without this helps you g better control you progrm Cll us discuss you implement timely followyour up correct identified hzrds. sfetyoperte. issues without drsticlly chngg wy you prticulrsupervisor circumstnce. Trg. trg should be operte. Crbon monoxide (CO) is colorless, tsteless emphsized high-hzrd exposure Experts dvise tht volvg s plnng Trg. Supervisor trgres. shouldregulr be potentilly ftl gs, produced from efficient burng trg is mry. process solicitg ir feedbck project emphsized high-hzrd exposure res. Regulr Experts dvise tht volvg s plnng fossil fuels. will gurntee ir dediction effectively trg is mry. process solicitg ir feedbck spred project Intervention. Estblish medicl procedures for hlg responsibility sfety mngement will gurntee ir dediction effectively spred Accordg Center for Disese Control Prevention workforce. A successful sfety pln should clude: juries, Estblish ccidents medicl emergencies. Intervention. procedures for hlg responsibility sfety mngement (CDC), more thn 500 people ccidentlly die from crbon workforce. A successful sfety pln should clude: juries, ccidents emergencies. monoxide ech yer United Sttes, more thn from Mngement Mngement prepre ny or poison. AnInvolvement. estimted 10,000 people re treted enforce sttement regrdg compny s Mngement Involvement. Mngement prepre nnully for CO poisong hospitl emergency rooms, but positiontht on sfety. Regulr meetgs enforce sttement regrdg compny s it is believed re re mny more unreported cses. mengful golssfety. should be prt ny pln. position on Regulr meetgs mengful gols should be prt ny pln. Wht is crbon monoxide? The formtion this newsletter is ment s guidele only. There is hg this newsletter tht lters or terprettion ny specific. Becuse some sttements re generliztions, becuse different compnies policies cont slight differences, plese refer your specific. Cll our fice The formtion this newsletter is ment s guidele only. There is hg this newsletter tht tht lters or terprettion ny specific. before mkg ny judgments or decisions concerng your prticulr sitution my, my,orpply. Becuse some sttements re generliztions, becuse different compnies policies cont slight differences, plese refer your specific. Cll our fice before mkg ny judgments or decisions concerng your prticulr sitution tht my, or my, pply.

6 Block Insurnce Agency, Inc E. Wpkonet Street N. N. Wood Wood Street P.O. Box 250 P.O. P.O. Box Box Wynesfield, Ohio Wpkonet, Ohio Ohio Phone (419) Phone Phone (419) Fx Fx PRSRT STD U.S. POSTAGE P A I D LIMA, OHIO PERMIT NO. 122 Block Insurnce Agency, Inc. Responsive Service Expert Thnks for choosg Pressionl Insurnce Agent Advice Summer Issue 2003 Inside Insurnce Wer Impct on Homeowners Insurnce Check your gs pplince connections Confusion mong homeowners bout As your dependent surnce gency, we wnt you be wre tht your homeowner my hve or my be chngg soon. Severl compnies hve rised ir mimum deductible /or new With deductibles wter specificlly hetg for seson dmge pprochg, resultg from we need wd or hil srms. This tke is beg necessry done order precutions ddress protect cresed ourselves wer ptterns morized vehicles from severe potentil losses. threts This tht chnge cn occur my from hve with tken our effect own if your homes. hs renewed One such recently thret or my is found tke effect fulty connecrs future on your next More thn once, holders hve sked bout gs renewl pplinces. dte. A proper Gs connecrs ice is beg re corrugted cluded metl ll tubes renewls ir jet skis or morcycles tht re sred ir used by ll compnies connect gs mkg pplinces chnges your ir home policies. gs It supply is importnt grges, believg tht sce y re srge, pipes. tht you review your renewl documents crefully. ir homeowner policies will provide. This is widespred issue is limited just compnies Our nswer likely. Some we represent. older brss Becuse connecrs wer my impcts hve ll flw compnies, jot mny compnies end pieces. re tkg This cn rte seprte djustments, potentilly risg mimum cuse deductibles A common exclusion found ll homeowner gs lek chngg tht could led on property house ros dmge Actul or jury Csh if Vlue mnge policies wer excludes losses. property However, if you re for concerned morized replced. bout significnt Perhps creses gretest premium fer is hltion /or deductibles crbon would like l conveynces discuss your (mor options, vehicles) plese know ir we re monoxide, here help. We silent would killer. be hppy review your with you s re equipment. my be dditionl Although discounts excluded vilble entirely, re higher is deductibles for you consider. Plese cll or emil us t your convenience. very limited We pprecite for your wtercrft busess, trilers. consider it Uncoted privilege brss fer connecrs pece md hve you been mde your for fmily more through our surnce products. thn 20 yers, but mny m re still use. Older connecrs re more susceptible filure. The homeowner ws never ment provide for vehicles. There re few exceptions. A conveynce, such s ridg lwn mower,