Fun in the Sun.. Understand Your Insurance Risk

Fun in the Sun.. Understand Your Insurance Risk

The temperature is rising and the sun is shining, but are you Properly Insured for Your Summer Fun?

A boat insurance policy provides liability coverage if someone is injured on your boat as well as bodily injury inflicted on others and property damage to your boat.  These policies also may be suspended during the months your boat is not in use.

Motorcycles and Scooters:
Motorcycles and scooters are not covered by a standard auto insurance policy.  You must have a separate policy that covers liability, no-fault personal injury protection coverage (if required in your state), or medical payments coverage (if required). Depending on the value of the motorcycle, you may need to purchase comprehensive and/or collision coverage.  When you're getting a quote for insurance for your motorcycle or scooter, ask your insurance provider about any discounts they may offer for taking safety courses or having multiple policies with the same insurance provider.
If you carry seasonal coverage on your motorcycle, which allows you to eliminate liability and perhaps collision coverage during the months you don't ride, make sure your policy is up to date and that you have a current insurance card before hitting the road this summer.  Also, be sure you understand your state's law and your policy's requirements regarding wearing a helmet.  If you have specific questions, contact your state insurance department.

All-Terrain Vehicles (ATVs):
ATVs are not covered by standard automobile insurances policies; only limited coverage on your homeowners policy.  You should also ask your provider about age restrictions regarding who may operate the ATV, or if the policy covers friends and family, as this could affect the coverage you choose to purchase.

Backyard Fun - Pools and Trampolines:
While they are fun for the family, the dangers associated with pools and trampolines may increase your insurance risk.  Consider purchasing an umbrella policy in addition to your homeowners insurance to provide additional liability coverage.  Some companies may not insure your property if you have a trampoline or swimming pool.  There may also be policy exclusions for liability related to trampoline or swimming pool injuries.
An insurance company may deny coverage or cancel your policy if you do not follow the policy's safety guidelines or fail to inform the company when you build a pool or purchase a trampoline.  Check with your insurance provider for rates, discounts and safety guidelines, such as installing a fence or locked gate.

For many people, fireworks are a tradition on the 4th of July.  However, the use of fireworks, which are illegal in some areas, could jeopardize your insurance coverage if someone is injured or if your home is damaged.


Ice Dam

Ice Dam

The Roof Ice Dam
Ice dams are a pervasive and damaging winter roofing problem caused by poor roof ventilation and a warm attic space. Left untreated, ice dams can cause serious damage to your roof, gutters, paint, insulation, drywall, structure and even contribute to mold.
Ice dams form when melting snow on a roof runs off and refreezes at the edge of a roof. This condition occurs when the snow is melted by a warm roof, creating water running between the snow and the warm roof surface, then freezing and turning to ice when it gets past the exterior wall and hits a cold unheated roof edge or gutter. As the bottom of the snow pack continues to melt, water continues to flow down the roof surface until it hits the ice, thereby creating a larger and larger ice dam.
As mentioned earlier, when roof snow is melted by a warm attic space, the water runs between the snow and the warm roof surface. The water then freezes and turns to ice when it gets past the exterior wall and hits a cold unheated roof edge or gutter. The ice dam grows as the snow pack continues to melt, and as water continues to flow down the roof surface. When the water flow hits the ice it creates a larger and larger ice dam.
Ice Dam Damage
If this situation continues, the ice can work its way back up the roof edge, get under shingles, melt and leak into the exterior wall, home or attic. Damage from ice dams may not be readily apparent. As the ice melts and possibly drips into the wall or attic, insulation can be become wet and lose its ability to perform. In some cases if the right temperature and humidity exist, mold may begin to grow in the attic. Often paint will peel or blister weeks or months after the ice dam has melted as moisture from the leak in the wall or ceiling cavities tries to leave and pushes outward.
Since ice dams are the furthest things from our minds in the summer, most people battle ice dams in the winter. Unfortunately your options at this point are limited, at least the safe ones. But there are still some effective actions you can take.
Here are some recommendations on how to beat ice dams in the winter:

Act fast with a roof rake during a heavy snow: As I mentioned earlier, ice dams happen quickly after a heavy snow because of the insulating properties of snow. If you can get out and rake your roof with a special tool called a roof rake to remove at least the lower 4 feet of snow from the roof edge, you’ll do a lot to prevent the ice dams from even forming. A roof rake is like a shovel that is turned on its side so that you can pull snow off the roof toward you. It has a long handle about 16 to 21 feet long, and is safer than many other approaches since you use the tool from the ground, not on a ladder.
Calcium chloride or ice melt product: If you have an ice dam forming, one action you can take is to put a calcium chloride or similar product on the ice. (Forget any urban legends you may have heard about putting salt in pantyhose, it does not work well, takes a lot more salt and results in the pantyhose ripping apart). When you put the calcium chloride directly on the ice, be careful if you are on a ladder, icy conditions and ladder usage are not recommended so please be careful.
Professional ice dam removal: If you end up with an ice dam and need it removed, you always have the ultimate tool in a toolbox,your checkbook. There are professional companies available that are insured and will remove your ice dam using professional equipment such as high pressure steam. Although this approach may cost a few hundred dollars, the prevention of damage to your home may be significant.
Potential Repair Methods I Do NOT Recommend:
Some tools and approaches to ice dam removal are often discussed but are also very dangerous. I do not recommend any of these approaches because of risk of damage to your life and your home. Please do not try to remove an ice dam with any of these approaches. THEY ARE NOT SAFE!
·         Hatchet or axe
·         Ice pick or screwdriver
·         Propane torch or heat gun
·         Chainsaw
·         Hammer and chisel
·         Duct tape (OK, well I’m not actually aware of this being used but I figured someone tried it somewhere…)

If my child gets their drivers license, do I have to insure them even if they are not driving our cars?

ANSWER:  The answer is "YES". A driver's license gives an individual the authority to legally drive.  That means at any time they can hop into anyone's vehicle with permission and drive, including household vehicles.  Many parents believe that if they only drive their car occasionally they do not have to insure them. This is almost always a problem, because even an occasional use can bring about an accident and usually does.  Since they are new to driving it is almost predictable they will have an accident which puts the parent's auto insurance policy at risk.. The insurance company will have the duty to investigate and if liable pay for damages on your behalf.  Your policy is priced according to who the drivers are in the household to collect the proper premium and certainly a young driver is riskier than without, therefore it is necessary to change the policy accordingly.  No one like the additional cost, but most parents understand that if they allow their children to get licensed then adding them to their policy is the right thing to do.  If you do not want to pay the additional cost of a young driver then the best thing to do is to postpone your child's ability to get their license until they can help pay for the cost.  Just like uninsured drivers cost everyone so does undisclosed drivers in the household who have accidents.

Happy 2015

May life be all you want, so go make it happen.  Here are a few thoughts to help you get there.

You have to learn the rules of the game. And then you have to play better than anyone else.
Albert Einstein

Either I will find a way, or I will make one.
Philip Sidney

Always do your best. What you plant now, you will harvest later.
Og Mandino

Problems are not stop signs, they are guidelines.
Robert H. Schuller

The key is to keep company only with people who uplift you, whose presence calls forth your best.

Quality is not an act, it is a habit.

Follow your dreams, work hard, practice and persevere. Make sure you eat a variety of foods, get plenty of exercise and maintain a healthy lifestyle.
Sasha Cohen

Be Impeccable With Your Word. Speak with integrity. Say only what you mean. Avoid using the word to speak against yourself or to gossip about others. Use the power of your word in the direction of truth and love.
Miguel Angel Ruiz

Thank you to all my clients who have chosen the Lambert’s insurance Connection for their insurance protection needs.


Call us today!

Call us today!

For a free comprehensive insurance consultation, call us at 401.334.2003.

Michelle reviewed my insurance policies and saved me hundreds when I switched to her. We combined everything and got more coverage for less money each month. I would recommend her to anyone!

— Alison L.

Welcome to Lambert's Insurance Connection

Welcome to Lambert's Insurance Connection

Our family has been serving the RI community for 33 years with their insurance needs. Our quality service-oriented agency is not only owned and operated by family but our clients are considered family too.

We have represented many different companies over the past 33 years and although those companies may have changed, our commitment to our clients has not.

Our #1 priority is our client’s satisfaction and we aim to continue this tradition. We look forward to a long mutually gratifying relationship.

We INVITE all prior and new customers to take the time to shop our agency as we now offer many more product and price options.

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