JJ Ruddy Insurance Agency, Inc.
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Time to Replace Your Smoke Detector??

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Office Locations:

 

153 Main Street

Suite 1A

Medford, MA 02155

 

63 Shore Road

Suite 31

Winchester, MA 01890

 

1-866-JJRUDDY

 

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The Insurance Edge

Cinco de Noviembre

 

Every year on November 5th I bore my children with the story about how their Great-Great-Grandfather started an insurance agency in 1909.  I can already see their eyes rolling when I ask them the significance of the day this weekend.

  

To honor our 102nd anniversary we're having a contest.  Do you remember your first car or home that you insured with J.J. Ruddy?  Remember when we helped you with your business insurance?  Tell us your story.  How long have you been with J.J. Ruddy?  Post it on our Facebook page or email us.  The best storyteller will receive, what else, $102.  

 

On behalf of my family and the entire staff I would like to take this opportunity to say thank you for your business.  We have had the pleasure of working with so many great people over the years.  We look forward to many more years to come.

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Happy Cinco de Noviembre! 

 

 Regards,

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Edward P. Hackett, CIC CRM

Vice-President

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SmokesCheck your Smokes and CO2 Detectorssmoke detector

 

Every year close to 3,000 people die in home fires.  What's more shocking is roughly 65% of those fatal accidents involve non-working or missing smoke alarms.

 

More often than not, smoke and carbon monoxide detectors go unchecked.  Get in the habit of replacing the batteries in smoke and CO2 alarms every six months.  I recommend changing the batteries at daylight savings in the Spring and Fall.

 

Don't forget to look at the expiration dates on the units.  On average, smoke detectors are good for 10 years and CO2 are only good for 5 years.  Look on the backside for the expiration date. 
 
Click here for a YouTube video on maintaining your smoke and CO2 alarms.  Stay safe.
 
Got Trees?

 

I still can't believe I am talking about snow in October.  It's New England, so I guess we roll with the weather patterns.

 

A lot of calls today about downed trees, so I put together a brief question and answer.  If you have specific needs concerning a claim please contact us at the office and we can assist you. 

 

A tree fell in my yard, am I covertreeed for that?

In order for there to be coverage the tree would have to damage a covered structure (house, fence, garage, shed).  Your homeowners policy offers $500 for debris removal provided it damages a covered structure.  If it simply falls in your yard, then there is no coverage.

 

Do I have coverage to replace a fallen tree?

There is no coverage in the homeowners policy.  Trees are not covered for the peril of wind or weight of ice and snow.

 

My neighbor's tree fell in my yard, whose policy pays?

Each person is responsible for whatever part of the tree lies in their yard.  Think of it this way, if you take a chain saw and cut the tree on the property line, whatever is in your yard is your responsibility - whatever is in your neighbor's yard is their responsibility.

 

A tree fell on my car.  Is that an auto or homeowners loss?

All damage to vehicles is always an auto loss.  The claim would be filed under your Comprehensive coverage and subject to your deductible.

 

My power went out; can I stay in a hotel?

Loss of power due to a wide spread power outage is not covered under a homeowners policy.  If the power outage is specific to your home, ( i.e. tree fell and ripped the power lines off the house)  then there is coverage to relocate due to a covered loss. 

fall backFall Back

 

Sunday November 6th is Daylight Savings Time.  Enjoy your extra hour of sleep. 

 

Don't forget to change the batteries in your smoke detectors.


The Insurance Edge is designed for your benefit.  Your feedback is appreciated.  Email your thoughts to [email protected].