Making Mobile Homes Safer

Insurance for mobile homes can be expensive.  Proper anchoring will give your home a great chance of survive the next wind storm.
Properly Anchoring
Mobile Homes are Critical

Mobile homes are vulnerable to serious damage from winds and storms since they are smaller and much lighter than stick-built or factory-built homes. It is important to use reinforcements to make them more stable; such as tie-downs.

Tiedowns come in two basic types; over-the-top tie-downs and frame anchors. Over-the-top tie-downs are straps that resist lifting forces and minimize tip-overs. They are usually used with single-wide mobile homes. Strapping is placed with over the top of the roof or over the structure鈥檚 sides. Frame anchors are reinforcements that resist lateral forces, making a structureless vulnerable to sliding off supports

In order to stabilize a structure, the tie-downs must be properly anchored to a foundation, slab or the ground. Anchor types include the following:

insurance for mobile homes: Properly setting a mobile can help reduce the cost of insurance.
Tying down Mobile Homes

路         Hard Rock Anchor

路         Concrete Slab Anchor

路         Cross Drive Rock Anchor

路         Drive or Barb Anchor

路         Auger Anchor

路         Disc Anchors

Straps and anchors have to be used properly and they have to meet various standards such as聽placement聽of anchors, anchor fittings, method of installation and ground/site conditions. When anchored to the ground, it may be necessary to make test its suitability as an anchor. If piers and footings are used they must be able to meet various requirements regarding weight support, dimensions, material quality, pier placement, and other areas. Straps and anchors also have to meet requirements in order to be depended on to withstand the stresses winds and other forces.

Use of tie-downs varies by state, state regulations and soil type. Local building inspectors and mobile and manufactured home builder associations are excellent sources for anchoring and tiedown requirement information.聽Use of that valuable information, along with insurance, is聽great methods for fully protecting a mobile home.


COPYRIGHT: Insurance Publishing Plus, Inc. 2017

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.

Get a Grip on Zip(lines)

While accidents have been relatively low, the magnitude for zip line insurance claims has been quiet high.
Insuring Zip Lines

Ziplines are a newer and wildly popular attraction. They are known by various names such as:

  • zip wires
  • rope slides
  • aerial runways
  • flying fox
  • death slides

They consist of a steel cable (or, increasingly rarely, rope), mounted at an incline between two points. They are traversed by a person attached to the line by a harness and pulley.

Ziplines are quite old, originally developed as a way to more easily access remote areas, such as mountain terrain, forests or as a way to cross rivers and as an aspect of climber training. They are more recently used for entertainment such at adventure camps, hiking areas in parks, amusement parks, festivals, fundraisers, in team-building exercises and, in current development, at private residences.

Using the proper equipment and development of operating procedures focused on safety is essential.  Without these in place it will be hard to insure zip lines regardless of ownership or location.
Safety is Critical

Ziplines are now so popular; they are sold in kit form for private use. A standard kit consists of a cable, pulley, installation kits (bolts, eyebolts, swivels, cable tensioners, turnbuckles, cable clamps, braking device, cable slings etc), handlebars, lanyards or harnesses, and other accessories. Some kits include tools such as cable grabs and cutters.

While accidents involving zip lines are low, in comparison to their use, the consequences of accidents are very high, so safe operation is incredibly important. Much of the safety has to do with ziplines being installed professionally and operated by trained personnel. The residential use of ziplines is likely to result in more accidents because of the absence of those two, critical factors.

It is important that ziplines have safety features that match the installation and use. Residential ziplines are likely to consist of short runs and be close to the ground, still it is important to make sure that there is control over the speed, that the equipment is regularly checked, that the use is properly supervised, that there is proper clearance so that hands, clothing or hair don鈥檛 become entangled and that the launch and stopping points are properly supported. Items that help make zipline use safer is the use of a shock-absorbing landing zone, backup lanyards or harnesses, goggles, thick leather gloves (for emergency braking), helmets, masks, and knee pads.

Of course, it is supremely important that the zipline use the right type of cable, have a proper incline, be properly tensioned and that the right attachment and anchor points are used and that the space for the installation is adequate. The installation site must be absolutely free of obstacles, so site preparation is often necessary. Maintenance is very important, particularly with regard to line wear and tension and zipline owners must inspect their installation and gear carefully and regularly. Safe procedures and supervision is also critical.

You may also find it helpful to see our article titled, 鈥淲ho Cares about Attractive Nuisances鈥 for related information.


COPYRIGHT: Insurance Publishing Plus, Inc. 2015

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.

Proof that your car insurance IS TOO HIGH?

Buying car insurance in Kentucky is expensive.  Only five states pay more to insure their autos.
Kentucky is one of the most expensive states for auto insurance.

If you live in Kentucky and own a car, then you鈥檙e paying too much for Automobile Insurance.

If someone is telling you otherwise, I鈥檝e got some excellent advice for you. Stop listening to that person!聽 They obviously don鈥檛 have a clue about the cost of auto insurance in Kentucky.

.

Kentucky has the 6th highest car insurance in the US.
Proving that the cost of Kentucky Auto Insurance is High

The Proof

Which states would you expect to pay the most for insurance? States with bigger cities, and heavy traffic? Commonsense would lead most of us to expect to find New York, California, and New Jersey at the top of the list.聽 Using the same logic we can also add Massachusetts, Illinois, Florida, and Connecticut.聽 And while not a state, I would also expect to see Washington D.C. on a list of states with higher auto insurance premiums.聽

Six states have average auto insurance rates that range from $1,750 to $2,500.  Starting with the most expense:

1. Michigan

2. Louisiana

3. Florida

4. Connecticut and,

5. New York  

6. Kentucky

For the most, this likely seems appropriate. But for many it聽 will be eye-opening to find how high car insurance is in the Commonwealth of Kentucky.聽 Surprisingly the residents of Kentucky pay more for auto coverage than California.聽 The same is true for Washington D.C., Maryland, New Jersey, Massachusetts, and Illinois.

Who is this person that says you鈥檙e car insurance is not expensive?

Kentuckians on average spend $1,752 annually for auto insurance. That鈥檚 almost 30% more than the national average.聽 It is a fact; your auto insurance is expensive.

  • If you are a good driver in Kentucky, you pay too much for insurance.
  • If you’re a bad driver you pay too much.
  • Kentucky car owner’s that drive too fast, pay to much.聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽聽

Compared with most other states, Kentucky auto insurance cost more.聽 While this is true for most residents, not everyone in Kentucky overpays.聽 Uninsured and underinsured drivers clearly don’t pay too much for car insurance.聽 But don’t read that to say that this group doesn’t have a hand in cost of car insurance in Kentucky.聽 Their contribution is significant.聽 Those that drive with inadequate auto coverage, raise auto premiums for everyone.聽 This increase in state demand for uninsured and underinsured motorist coverage. Which in turn places upward pressure on the overall cost of auto insurance premiums.

Where you live has a big impact on how much your insurance cost.  Take a look at Kentucky.  Their very high auto insurance rates significantly impact home and auto packages.
It’s a fact that Auto Insurance is higher in Kentucky than it is in most states

The price for car insurance in Kentucky is high.  Some may try to argue this.  Beware of those that argue against the facts. 

Kentuckian plays about $400 a year more than the U.S. Average. Why is Kentucky auto insurance so expensive? 

How does Kentucky compare to other states in our region? To the north, Kentucky borders, Illinois, Indiana, and Ohio. Each of these states is ranked as one of the ten least expensive U.S. States for car insurance. The average auto premium for the three is $973. Compared to these three Mid-Western states, Kentuckians are paying almost $800 a year.聽

Why are we still listening to the nuts that still think we aren鈥檛 paying too much to insure our personal auto?

If you would like to have an insurance agent look you in the eye and tell you:

 鈥淵es, you are paying too much to insure your car,鈥 then try TruePoint.

Want to learn about factors that make Kentucky auto insurance the 6th highest in the U.S.?

Give us a call at (502) 410-5089.

Serious about lowering your auto insurance cost?聽 Then get your insurance documents together.

Call or drop by, and we will do our best to help you reduce the value of your home and auto insurance.

Gun Liability 鈥 It鈥檚 Complicated

Guns aren’t tools, always treat them with respect

In 2010, during a party that involved minors drinking alcohol, one guest was shot and killed when a gun, being played with by its owner (another party attendee) went off. The parents of the deceased sued the parents of the gun handler. The latter requested coverage from their homeowner insurance company. The company denied coverage and, eventually, a court ruled that no obligation existed under the insurance policy. The company was released from the lawsuit.

Homeowners coverage, like other insurance policies, is intended to protect against losses that are accidental. Often, accidental losses can be readily determined, but incidents involving firearms are complicated.

Accidental discharge of a gun can be a crime

When one person injures another, both the act and the intent are considerations of whether an incident is an accident. In the shooting incident mentioned above, it was determined that the gun handler was guilty of negligently handling the gun and was jailed. Since a court determined the incident was a crime, it did not qualify as an accident. A loss caused by a crime is ineligible for coverage.

When a loss involves firearms, it is often treated far differently than other circumstances. Consider the following:

Jim is hosting a party at his house for a bunch of high school friends and Fran is one of the persons attending it. Jim, well known to his friends as the group鈥檚 clown, is fooling around with an item. Fran, who is nearby, is seriously injured. Later, Fran鈥檚 family sues Jim鈥檚 parents and they file the lawsuit with their insurance company.

Scenario one 鈥 Jim recently became interested in tennis. He brings out a very expensive tennis racket he just received. He brags about how light and powerful it is and he demonstrates strokes. When he demonstrates a backhand, Fran is passing behind him and she is hit, suffering a broken nose and several shattered teeth!

Scenario two 鈥 Jim recently became interested in firearms. He brings out a very expensive pistol he just received. He brags about how light and powerful it is and he demonstrates how it is supposed to be handled. When he demonstrates how to aim it, the gun fires and Fran is struck. The bullet hits and fractures her shoulder.

In both scenarios, the injuries are a result of Jim鈥檚 immature and careless action. In both situations, no harm was intended. In both instances, Fran is seriously injured. In all likelihood, the losses will not be handled similarly. A tennis racket is a piece of equipment that is intended to be used for a particular sport. It is used for hitting tennis balls and other uses are considered unusual and, for the most part, not dangerous. This loss has a very high chance of being treated as an accident.

A gun is a weapon. It is used for both defensive and offensive purposes and, by nature, is capable of extremely serious, often deadly harm. It is considered to be a dangerous instrument. Therefore, the stakes are far higher whenever a gun or other firearm causes a loss. In many instances, even when harming another party is completely unintended, acts involving firearms also involve far more accountability and may not be classified as accidental. In the shooting scenario, the chance is very high that the loss would be denied.

Because of the danger inherent in guns, it鈥檚 important to be aware that losses involving them are often ineligible for insurance protection. That makes it critical that their ownership is treated seriously and every possible precaution against unintended injury be taken.


COPYRIGHT: Insurance Publishing Plus, Inc., 2016

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.

A Dry Source of Loss

Americans complain to much.  Take just one of our modern day conveniences away for a week.
I promise to never complain about doing laundry again!

Handling our many household chores is all about convenience. For many decades, the incredible washer and dryer power duo have made it possible for us to enjoy easy access to clean, ready-to-wear wardrobes. However, these appliances have a dark side that can result in serious loss, particularly dryers.

The United States Fire Administration (USFA), a federal agency that collects and shares data on fire-related losses, reminds us that dryers, while extremely handy, can also be dangerous. In a recent agency report, fires caused by clothes dryers result in losses of $35 million per year, nationwide. Let鈥檚 repeat that – $35 million in dryer-related losses each and every year.

Dryer cause 2,900 home fires each year in the US.  A third of those fires are due to a failure to clean the dryer.
Preventing a home fire

According to the report, such losses occur more frequently in cooler weather, occurs mostly in residences and, for a bit of good news, most fires are limited to the dryer itself. However, such fires can and do easily spread to other parts of an apartment or home.

More than a third of dryer fire losses are created by insufficient dryer maintenance and improper use. Therefore, dryers, as a source of loss, are quite controllable by homeowners. Here are some suggestions to help minimize dryer fires:

  • Properly and regularly clean out lint traps 鈥 that should include vacuuming out the area housing the lint trap too
  • Avoid putting items in a dryer which are more prone to igniting such as items containing foam (lined drapes, athletic shoes, bathroom rugs)
  • Remove lint that accumulates underneath and in areas outside of the dryer which is also sources of fire
  • Regularly clean out dryer vents. A thorough job is necessary to keep vents free of accumulated lint and, even more serious, bird or rodent nests
  • Do not overload dryers since fires are more likely due to restricted airflow and higher heat build-up
  • Make sure the dryer vent pipe is properly installed and is free of kinks (again, to avoid airflow restriction and heat build-up
  • Consider using a dryer that has a moisture sensor which can end dryer cycles with less of a heat build-up that is permitted by dryers that use thermostats

These simple few safety steps are all that it takes to help avoid a potentially serious fire. Be clean, be dry鈥︹nd be smart!


COPYRIGHT: Insurance Publishing Plus, Inc. 2015

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.

2019 Spencer County KY High School Football

This image has an empty alt attribute; its file name is Bears-logo-1.jpg
Spencer County Football

Aug 24 Anderson County at Nelson County 7:30 PM
Aug 30 Bullitt East away 7:30 PM
Sep 6 Nelson County away 7:30 PM
Sep 13 Collins away 7:30 PM
Sep 20 Bardstown at Nelson County 7:30 PM
Sep 27 Marion County away 7:30 PM
Oct 5 Moore at Nelson County 7:30 PM
Oct 11 Valley away 7:30 PM
Oct 25 John Hardin away 7:30 PM
Nov 1 Henry County at Nelson County 7:30 PM

Head Coach: Mike Marksbury Location: Taylorsville, KY

2018 Record: 4-6

Friday Nigh Football Football, it;'s an American Thing.  Kentucky High School football following the Spencer County Bears.
EnteFriday Night Football, it’s an American Thing!

For the last eight years passion, knowledge, commitment, and compassion have been on display on Friday nights. Anything less would have ended in failure. That’s why in 2011 when Mike Marksbury walked onto the field, the fans welcomed a new coach. Little did they know that this man would become the cornerstone of the Spencer County Football program.

The last couple of years have been tough for the Bears. But even the casual observer can see that those days are behind this punch. While still young, this sleuth of Bears has it all. Talent, drive, and heart. The bottom line is that even though they are still learning, Spencer County has a group of real Football Players coached by Real Coaches.

Home field advantage his huge in any sports, however, it seems that it means the most for football and basketball. The area experienced extremely wet weather throughout the spring and early summer. As a result, improvements to Spencer County facilities are very far behind schedule. So for the 2019 season, the Bears will be nomads, a team with no home. Another challenge that will be overcome by this “never says quit” group.

2019 Anderson County KY High School Football

Anderson County KY High School Football, Anderson County Bearcats
Anderson County Bearcats
Aug 24 Spencer County at Nelson County 7:30 PM
Aug 30 Madison Central home 7:30 PM
Sep 6 Mercer County home 7:30 PM
Sep 13 Franklin County away 7:30 PM
Sep 20 Henderson County home 7:00 PM
Sep 27 Lincoln County home 7:30 PM
Oct 11 Bourbon County away 7:30 PM
Oct 18 Boyle County home 7:30 PM
Oct 25 Lexington Catholic away 7:30 PM
Nov 1 Bardstown away 7:30 PM

Head Coach: Mark Peach Location: Lawrenceburg, KY

2018 Record: 10-1

Friday Night Football in Kentucky
Kentucky High School

The Bearcats recent success, including going 10-1 in 2018, hasn’t gone unnoticed. 2019 is a redistricting year for Kentucky High School Football. Anderson’s relative enrollment trends have dropped the Bearcats from 5 to 4A.

It would seem logical that by dropping down a class would be a positive for Anderson County. Apparently, the folks at Max Preps agree as their Pre-season Rankings have the Bearcats ranked #8 in 4A, and #34 statewide.

Redistricting occurs every four years in Kentucky. It’s the States mechanism aimed to create fair Sports competition between Kentucky high schools. A Fair and Balanced approach aimed at leveling the playing field. But does it?

Following the redistricting, Anderson County finds itself in Class 4A District 5. A district that includes:

  • Boyle County….Perennial Powerhouse 8 x State Champs (’99, ’00, ’01, ’02, ’03, ’09, ’10, ’17) Runner-up (’04) Ranked #1 Preseason Kentucky 4A, # 6 Kentucky Overall
  • Lexington Catholic….Perennial Powerhouse 2 x State Champs (’05, ’07) Runner-up (’15) Ranked #6 Preseason Kentucky 4A, # 31 Kentucky Overall
  • Bourbon County State Champs (’97)
  • Anderson County Runner-up (’11)

WOW! Class 4A has 38 teams scattered over 8 Districts. In a Fair and Balanced World, on average each District would have 1.25 teams in the top 10. District 5 has 3, the #1, 6, and 7th ranked teams

In the last 22 years, the four combined have one 11 State Championships and pay in 14 Finals. Did someone say something about Fair and Balanced?

Kentucky High School Football Brought to you by TruePoint Insurance
We’re insuring Kentucky, just not on Friday Nights.

Claims By Candlelight

From dark to light, the candle has been mans friend and shown us our path in the dark.
From Dark to Light

If protecting one鈥檚 home isn鈥檛 complicated enough, it appears that the soft, soothing glow of a candle’s flame may obscure some dark problems. Specifically, the use of candles may result in:

  • reducing the internal air quality of your home
  • increasing the chance of fire losses
  • damages聽by particulate deposits on interior and exterior walls, carpets, furniture, appliances, window treatments, floors, and other surfaces

Further, the use of candles may also contribute to health problems from inhaling particulate matter or ingesting harmful chemicals.

Defining the Candle Problem

Candles cause nearly 1 of every 3 fires.  And there is more, Wicks with lead, soot that is a hazard for our modern homes and more.  Is your home covered in the event a candle starts a fire?
Today’s candles can be more
of a hazard than an aid.

Actually, there are a number of problems and they have been accentuated by a change in the market for candles. The last few years have seen an explosive growth in the popularity of candles. They are increasingly used for their traditional, decorative purpose, but the true surge in use has been due to their being marketed as scented candles for deodorizing and for a health-related purpose called aromatherapy.

In both of the above, sales-boosting instances, candle-makers have had to offer products with more intense scents. This is accomplished by adding scented oils into their wax mixture. The increased oil content causes candles to burn improperly and generates a substantially higher level of soot.

A Sooty Situation

It looks like soot, which is a carbon residue produced by burning, can create a large, expensive problem. Since soot is particulate matter that can be carried through the air, it can seriously stain walls, carpets, and personal property. Studies show that electronic and plastic components are also vulnerable to soot damage. Unfortunately, soot produced by poorly burning candles bonds very strongly, making it difficult to impossible to clean. Further, soot may contaminate a home’s heating system, including ductwork. The soot can then be spread throughout a home, creating widespread damage that is difficult to repair. Property stained by soot may have to be cleaned by professionals and, often, the property has to be replaced.

Troublesome candle ingredients

Candle makers are not required to disclose the ingredients.
Do you know what’s in your candles?

You may have assumed that the only materials found in candles were the wick and some type of wax. Surprise! Here’s a list of ingredients which may either be found in a candle or maybe created during combustion:

  • Acetone Benzene Trichlorofluoromethane
  • Carbon Disulfide 2 Butanone 1 1- Trichloroethane
  • Trichloroethene Carbon Tetrachloride Tetrachloroethene
  • Toluene Chlorobenzene Ethylbenzene
  • Styrene Xylene Phenol
  • Cresol Cyclopentene Lead

Another surprise is that the candle-making industry is not required to tell consumers about the ingredients used in their products, including when a wick is used which contains a lead core.

Poor candle design or practices

Have you ever seen a candle with an excessive amount of smoke?  That's soot and it poses several threats.  The same is true if the  candle's flame is very high.
Are candles with high flames or a lot of soot safe?

Besides the use of oils and chemicals, candle-makers sometimes create problems because they commit other mistakes. Candles may burn improperly (causing soot) because a candle’s wick may be off-center or there may not be a proper amount of air in the candle mixture. A candle may have a higher likelihood of causing a fire loss due to:

  • an improper candle mixture which results in intense heat or high flames
  • improper holders (glass that shatters or spills flammable liquid)
  • wood holders that catch fire
  • flammable items imbedded in the candle mixture such as potpourri

Coverage Under a Homeowner Policy?

Brilliant people read their insurance policies.  What types of fire coverage are you protected against?
Are you covered for
losses started by candles?

Damage to a home or personal property due to soot can create serious problems for both an insurer and a homeowner. Losses involving soot can create thousands of dollars in damages. Depending upon the details surrounding a loss and the wording of the particular homeowner policy, coverage for the damage may not be available. Why? Because the source of loss might be considered the result of pollution which may be excluded. Another reason for rejecting a claim may be an assumption that the damage was gradual instead of sudden, so it wouldn’t be considered accidental and sudden damage. A claim could even be affected by the knowledge of the insured. For instance, even if the policy covers soot-related losses, a claim could be denied if a homeowner knew that the type of candle they used could cause damages.

Since the damage is caused by matter that is invisible to the naked eye, it could be difficult to prove that the loss was sudden. Tests can be used to determine the cause of stained or discolored property, but the testing can be expensive and the cost may have to be handled by the homeowner.

What To Do?

It’s all up to you. You might wish to ask more questions about the type of candles you use or curtail your use. You can also discuss whether coverage is available under your homeowner policy with an insurance professional. If you do use candles frequently, you may also want to check your home thoroughly for any stains or discoloration, including any contamination of your heating system.


COPYRIGHT: Insurance Publishing Plus, Inc. 2016

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.

Exchange Students 鈥 Homeowners Coverage

This article briefly discusses how a homeowner policy responds to coverage for exchange students. Please be sure to read the companion article, “Exchange Students 鈥 Automobile Coverage.”

Opening your Eyes, that's about to happen for your family with your new exchange student.  But waiting until they get here to open your eyes is a big risk.  Find out before hand the changes that you will need to make to your insurance.
You have an Exchange Student, Now What?

Note: Check with your exchange student program coordinator to see what kinds of coverage are automatically provided for the child. But don鈥檛 take anyone鈥檚 word; get copies of documents that prove the coverage situation.

An exchange student in your care who is younger than 21 years is automatically insured under a聽homeowners聽policy, treated as if the child were a relative. An exchange student’s property is covered while located at or away from your home. Off-premises coverage is normally limited to 10% of your policy鈥檚 Personal Property limit, subject to a minimum of $1,000. On-premises, the policy鈥檚 full content limit is available. If your homeowner’s policy had a $70,000 limit for Personal Property, up to $7,000 would be available to handle damage or loss to an exchange student鈥檚 property while it鈥檚 away from your home, say while at a summer camp. Liability coverage that applies to your family also applies for damage and bodily injury caused by an exchange student who is younger than 21 years of age.

Do you know how to prepare for an exchange student?  You need to!
how to prepare for an exchange student.

If the exchange student is older than age 21, then the policy treats the student as a guest. A聽policy owner聽can volunteer to extend his insurance coverage to include a guest’s property while at your residence premises or even while you and the guest are at some other location. However, it is sometimes difficult to determine whether an older exchange student is a guest or a tenant – someone who is paying you a reasonable rent for staying in your home.

Hosting an exchange student creates questions you should discuss with an insurance professional who can help make sure your coverage needs are met.


COPYRIGHT: Insurance Publishing Plus, Inc. 2017

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without written consent of Insurance Publishing Plus, Inc.