Dear Brownstone customers,
It's December 1st. You know what that means. Winter is almost officially here. Winter brings cold temperatures, snow and ice. Some people actually very much enjoy winter and the cold temperatures that it brings. But there is no question about it - no one likes the hardship that freezing cold can bring to a property.
Don't be caught off guard by Mother Nature. Take appropriate steps as outlined in this month's issue to safeguard your property, your unit and/or your tenants. We even included some tips to help you save money on your utility bills this season that you may not have thought of!
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Winter Doesn't Have to be Perilous
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 Spring and summer bring thunderstorms, tornados, heavy rain and wildfires. Hurricane season lasts until November 30th.
In autumn and winter, people begin to think about staying warm. So, heating-related insurance claims rise in frequency, such as: - Central heating systems - be sure you have a Heating, Ventilating and Air Conditioning (HVAC) contractor come check out your heating system to prevent fires that are caused by system malfunctions.
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Uncommon Winter Tips that Save You Money!
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So you've pulled out those heavy winter sweaters, cleaned off your boots and dug out your mittens. But what about your property - is it ready for the harsh New England winter?
Get a season's worth of savings and peace of mind by taking a few easy steps to get your property ready for winter, and save money with some tips that you may not always think about.
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Melting snow can inflict significant damage to property and winter storms are the third-largest cause of catastrophe losses, as reported by the Insurance Information Institute. In fact, according to the Insurance Services Office, winter storms accounted for 7.4 pe rcent of catastrophe losses nationwide from 1990 to 2009, or an average of $1.25 billion per year (in 2009 dollars) with the average homeowners insurance claim for water damage and freezing coming to $5,896.Take a look:  (1) Catastrophes are all events causing direct insured losses to property of $25 million or more in 2009 dollars. Adjusted for inflation by ISO.(2) Excludes snow.(3) Does not include flood damage covered by the federally administered National Flood Insurance Program.(4) Includes civil disorders, water damage, fires other than wildfires and utility service disruptions.Source: Insurance Information Institute |
Do you wonder what insurance coverage is best for you? Are you confused by insurance terminology? Take advantage of Brownstone's new Live Chat feature on our website!Our underwriters will be available Monday-Friday between the hours of 8:30am and 4:30pm to answer any questions you may have via our new Live Chat feature. Simply navigate to our website at www.brownstoneinsurance.com and click the Live Chat link in the left-hand column. Just another way Brownstone is here to serve you!
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