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Thursday, June 21, 2012

Don't Get Stuck By Lighnting!

Summertime thunderstorms are barreling through your area!  The damage can be devastating - fire, power surges, explosions, destruction of expensive electronic equipment.  What a bummer!  BUT, if you have a good home and business insurance policy, you have protection (after the amount of the deductible you have chosen).  The cost to replace or repair can be huge, so make sure you are protected.
There are many precautions you can take to help mitigate your possible losses, and they are highlighted in an informative article from the Insurance Information Institute - "Lightning Coverage and Safety"

To protect your home and business from a power surge and/or lightning strike, consider the following:

A) Install a lighning protection system to direct a lighning strike to the ground instead of to your valuables.  Check out the Institite for Business & Home Safety to determine the best lightning rod or air terminal to have your licensed electrician add to your building.

B) Install surge protection to prevent damage to electronics.  Make sure you use UL-listed surge arrestors for the main electric panel.  Use UL-listed transient voltage surge suppressors to protect specific pieces of electronic equipment.  Power strips are NOT enough.

C) Keep expensive electronics UNPLUGGED as an added precaution if you know a storm is approaching.

When a storm is approaching, for your safety - STAY INDOORS and avoid any place where you will be the highest object.  Avoid being in an open field, or on the golf course, or on open water.  Never hide under a tree!  You can choose a shrub and crouch down.  And stay away from any electrical conductors like an electrical pole or power line.  It is also best to NOT be on the telephone.

Most of the advice is common sense, but storms do come up suddenly, and it is best to keep yourself and loved ones as safe as possible.

Another good practice is to review your home, wind, and flood coverages to ensure that you are insured to the correct value and that your mortgage holder(s) are listed correctly. Check with your Trusted Choice Advisor to conduct a coverage review.

To help you through the maze of coverages, carriers, premiums, and ways to save money on your insurance, if you are on the Gulf Coast, contact your Trusted Choice agent, SouthGroup-Gulf Coast http://www.southgroupgulfcoast.com/ / / , SERVICE TEAM: Angelyn Treutel, Tammy Garfield, Tammy Hogue, Wendy Johnson, Denise Russell, Melissa Moran, Alex Treutel, Susan Monti, Kayleigh Davis, Matthew Langlinais, Anne Gillam, Ashlie Moody, and Whitney Zimmerman at SouthGroup Gulf Coast. You can reach us by snail-mail: 412 Hwy 90, Suite 6, Bay St Louis MS 39520, email: atreutel@southgroup.net , phone:228-466-4498, fax:888-415-8922, FaceBook www.facebook.com/southgroup.gulfcoast , or Twitter www.twitter.com/atreutel ! We now have 3 locations to serve you - 2505 Pass Road - Biloxi, 4500 Indian Hill-Diamondhead, and 412 Hwy 90 Ste 6-Bay Saint Louis, MS.

We offer the following Lines of Coverage: Workers Compensation, Auto, Home, Life, Health, Disability, Motorcycle, Boat, Wind, Flood, Commercial Property, General Liability, Directors and Officers Liability, Bonds, Group and Individual Life/Health/Dental/Disability/ Vision/Long Term Care, Business Owners, Builders Risk, Commercial Crime, Errors and Omissions, Dwelling Fire, Commercial Flood, Group Accident, Garage Dealers, Inland Marine, Law Enforcement Liability, Pollution Liability, Professional Liability, Personal Umbrella, Commercial Fire, Commercial Umbrella, Excess Flood, Identity Theft, more…

We serve Mississippi, Louisiana, Alabama, and many other states. We specialize in coastal exposures.

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