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Post Irene Update: Still have questions on FEMA assistance deadlines?
How you can help rebuild Vermont.
Lessons learned... |
- October Features -
VIP Night in the City raffle Winner!
Fall in Vermont-
Why do the leaves change?
Fall Safety Tips-
Safe Trick-or-Treating
Change is in the Air -
New Montpelier Office
**OPEN HOUSE** Monday, Oct 31st 9am-11am Stop by our New Montpelier Office.
Contact Us |
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VIP Night - We Have a Winner!
The VIP NIGHT IN THE CITY raffle, sponsored by
We had such a great response to our raffle, with hundreds of our friends logging on to the website, forwarding our newsletter, and "Liking" us on Facebook. In the end, there could be only one winner, and we are proud to announce that winner is...
R. W. Martin from Waterbury, Vermont
R.W. will choose the guest, the restaurant, the Flynn show, and the hotel, all on our tab. Congratulations, R.W.!
But there's more to the story! Click here to learn more, and be on the lookout for a new raffle starting next month. With so many ways to enter, you could be the next lucky winner!
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Fall in Vermont -
Why Do the Leaves Change?
As the days grow shorter and the temperatures drop, New Englanders across the region are treated to a beautiful autumn, replete with stunning leaves of gold, auburn, and sienna. But even life-long residents might not know the fascinating reasons behind such a stunning yearly display. Check out these interesting fall facts, courtesy of the USDA Forest Service:
Three types of pigment comprise the autumn palette for deciduous trees:
(1) Chlorophyll gives leaves the green color we see throughout the spring and summer. It is a critical component in photosynthesis, the process by which plants convert sunlight into food.
(2) Carotenoids give organic compounds yellow, orange, and brown colors, and can be seen at work in carrots and daffodils, as well as rutabagas, buttercups, and bananas.
(3) Anthocyanins give cranberries, red apples, concord grapes, blueberries, cherries, strawberries, and plums their reddish hues.
- Why do leaves change color? During the growing season, chlorophyll is continually being produced and broken down and leaves appear green. As night length increases in the autumn, chlorophyll production slows down and then stops and eventually all the chlorophyll is destroyed. The carotenoids and anthocyanins that are present in the leaf are then unmasked and show their colors.
- Why do the leaves change at the same time every year? Three factors influence autumn leaf color-leaf pigments, length of night, and weather, but not quite in the way we think. The timings of color change and leaf fall are primarily regulated by the calendar, that is, the increasing length of night. None of the other environmental influences-temperature, rainfall, food supply, and so on-are as unvarying as the steadily increasing length of night during autumn.
- Why do the leaves fall after they change colors? In early autumn, in response to the shortening days and declining intensity of sunlight, leaves begin the processes leading up to their fall. The veins that carry fluids into and out of the leaf gradually close off as a layer of cells forms at the base of each leaf. These clogged veins trap sugars in the leaf and promote production of anthocyanins, the red pigment mentioned above. Once this separation layer is complete and the connecting tissues are sealed off, the leaf is ready to fall. Fallen leaves blanket the forest floor and help retain moisture as they compost.
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Fall Safety Tips -
Trick-or-Treating and Parties
Trick-or-treating and costume parties can be the highlight of October, but they can also present unique safety risks. Make sure that you and your family stay safe this October 31st by considering these ten safety suggestions from the CDC:
- When trick-or-treating, always be sure to carry a lit object, like a glowstick, lantern, flashlight, or even light-up shoes. This makes it easier for cars to see you at night.
- Eat only commercially-wrapped treats and avoid home-cooked or unwrapped offerings unless you know the cook well.
- Examine all treats for torn wrappers, puncture marks, or other signs of tampering. If in doubt, throw it out.
- While trick-or-treating, never enter a stranger's home unless accompanied by an adult. Otherwise, stay outside!
- Make sure all costume props are soft and flexible to prevent injuries.
- Wear costumes that fit and do not drag on the ground in order to reduce the risk of tripping or getting caught in bushes or fences.
- Obey traffic laws at all times, and do your best to remain clearly visible when walking on or near the street. Use sidewalks whenever available to avoid traffic.
- Having a party? Consider offering healthy snacks in addition to traditional favorites. Examples could be fresh fruit, finger sandwiches, apple cider, trail mix, etc. Party games that get people up and moving, like musical chairs or dance contests, can help guests work off those holiday treats!
- Do not leave candles or jack-o-lanterns unattended, and ensure they are sitting on sturdy surfaces away from flammable materials like curtains, streamers, paper plates, etc.
- Bobbing for apples? Be sure to wash them first! The skin on apples and other fruit can harbor a plethora of harmful bacteria, so rinse them off under warm running water before beginning your party games.
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Post Irene Update - FEMA Assistance Deadlines
The deadline for applying to FEMA for assistance is fast approaching, so get your application in order soon. While a large part of the process is up to FEMA, following the advice below will help expedite the process and allow you to get the funds you need sooner.
Application Deadline -The cut-off date for applications is October 31st. Apply for assistance here.
Denial Letters - Work with your local agent to obtain a denial letter from your insurance carrier stating that you will not receive any financial compensation under your home, renters, or condo policy. This is required in order to complete your application to FEMA. Even if you know you aren't covered under your current policy, you must still obtain a letter stating this in order to advance the process.
Proof of Loss - One way to expedite the process is to submit your proof of loss as soon as you receive it. Our claims agents are more than happy to e-mail or fax this in for you. That way, we have confirmation it was sent and you have less to worry about.
More Questions? - As always, feel free to contact our 24x7 Claims Service Team. As your Agent, we are on your side. Call any of our offices - option #1 is always Claims.
Irene - How you can help
Donations/Financial:
We recognize no one really has spare cash kicking around; even a small $10 donation can make a big difference. (see VTFoodbank Below)
-Click here for information on how to donate to the Vermont Irene Flood Relief Fund, established to help small businesses weather the storm.
-Text FOODNOW to 52000 to donate $10 to Vermont Foodbank. The foodbank will turn each donation into $60 for families in need.
Gift of Time/Labor:
Got time on your hands or maybe your company could donate staff or resources? Below are some volunteer opportunities to help your fellow Vermonters repair and rebuild:
-10/22 Vermont Clean Up Day **Great Idea!!**
-United Way Windham County Volunteer Registration
-VT Response - connects volunteers with those needing assistance.
-The Red Cross - Blood and platelet donations are always a great way to assist your community during any sort of disaster.
As a side note, our Denis, Ricker & Brown Montpelier office recently moved and donated all of our previous location furniture to the State of Vermont. We hope this helped with the process of getting our valued State Agencies back to work quicker. We are so glad we were able to help in this small way!
Irene - Lessons learned...
Computer Backup:
Our world revolves around digital images and information. Whether it's your business or your personal life, take the time to develop a practical data backup plan. We only ask, make sure your plan includes storing a copy of your information off-site.
Pictures/Video:
Keep taking those pictures and video! Documenting all of your belongings in a disaster can be a nightmare on its own. Photos and Video are becoming the best way to document your belongings. Consider making a folder on your Business Server or Home PC that illustrates your valuables. Keep this updated as your belongings change.
Common example:
Are you one of those that keep all of your pictures on a camera or a laptop and never download/replicate them to your PC or Business Server? (Consider these potential events - Camera is stolen? Laptop is accidentally dropped? Flash memory card in camera becomes corrupted?) How will you recover? Make sure this information is backed up or replicated somewhere else. More.. |
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Change is in the Air - Our Montpelier Office Moved
It's not just the leaves that are changing - Our Montpelier Office recently moved about 1.5 miles down the road to our new "2 Pioneer Street" Location.
This move has benefits for our clients written all over it! Namely, "Plenty of FREE Parking". No parking meters, allowing for easy access to your insurance agent.
Stop in and see us!! Check out the map below, and find directions here. You can also visit our Facebook page to see the photos we posted.
**Just in** - Oct 31st, we are having an Open House -
- Who: Everyone is welcome! Clients, Non-Clients, Friends, Family... Heck, take your morning break with us. ;o)
- What: Stop in for cider/coffee and donuts.
- Where: New Montpelier Office - 2 Pioneer Street (End of Barre Street - Old Honda Unlimited building - Behind VT Lazerwash)
- When: Monday, October 31st from 9:00am until 11:00am
Cool Gadget Gifts!! Anyone that stops by is entered into a raffle for some great gadget gifts. (Other than coffee & treats - we will make it worth your while)

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Contact Us
Hickok & Boardman Insurance / Denis, Ricker & Brown Insurance
"Here when you need us!"
(Hickok & Boardman and Denis, Ricker & Brown are members of the Hickok & Boardman Insurance Group. Comprised of 4 separate corporations)
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