Summer Home Maintenance Tips

For many, there is no better time of the year than summertime to be outside in the yard enjoying the weather and sunshine. Warm temperatures and longer days make the perfect backdrop for picnicking, barbecuing or just enjoying drinks and snacks on the deck or patio.

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Your home in the summer should be a source of enjoyment, both inside and outside. The harsh winter, however, can leave its mark, which can temper or even ruin your summer enjoyment if you do not prepare. A bit of time spent on seasonal maintenance can keep your home in top shape for the warmest season.

Read more: Summer Home Maintenance Tips

How to Pack a Car Safely

As the summer months approach, so too, do thoughts of hitting the road for a family vacation. According to the U.S. Department of Transportation, nine out of 10 Americans drive to their travel destination.1

If you are among those planning to hit the road, remember that safe driving starts before you even leave the driveway. Securing luggage, maintaining vehicle balance and keeping clear lines of sight from the driver's seat are key elements in packing your car safely for the long drive.

Here are a few things to keep in mind as you load up your luggage, coolers and other vacation necessities:

Read more: How to Pack a Car Safely

6 Home Renovations that Can Affect Your Insurance

If you're planning a home renovation, you may want to call your insurance agent first because this decision can impact your homeowners insurance. Some home renovations will change the amount of coverage you need, while others could even help you qualify for a discount.

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We cover six common scenarios that could affect your insurance, so you can plan ahead.
1. Building a New Addition
2. Building a Pool
3. Adding a Deck
4. Renovating the Kitchen
5. Finishing the Basement
6. Redoing the Roof

Read more: 6 Home Renovations that Can Affect Your Insurance

Massachusetts Hands-Free Driving Law: FourThings You Should Know

Governor Baker signed has signed a bill "Requiring The Hands-Free Use Of Mobile Telephones While Driving” to go into effect on Sunday, February 23, 2020.

HandsFreeImage2The law states that no operator of a motor vehicle (including motorcyles and bicycles) shall hold a mobile electronic device or use a mobile electronic device unless the device is being used in hands-free mode.”

“Hands-free mode” is defined as use without the user holding or touching the device except to initiate the hands-mode feature of the device.

  1. 1st Offense: $100 Fine
  2. 2nd Offense: $250 Fine plus requirement to complete an educational program on distracted driving prevention.
  3. 3rd Offense: $500 fine for third or subsequent offense, plus completion of educational program on distracted driving prevention.

Emergency Exception
The law does allow “emergency” use of a hand-held device to:

  • Report a disabled vehicle or accident on a roadway
  • Request medical attention or assistance
  • Request police intervention, fire department or other emergency services for personal safety, or to otherwise ensure the safety of the public

To access a PDF copy of the Law, please click here. Download PDF brochure from Mass. Association of Insurance Agents (MAIA)

Fire Safety Tips for Holiday Cooking

Did you know that Thanksgiving is number one day for home fires in Massachusetts?

"This holiday has the most home fires, and the majority are cooking fires,” says State Fire Marshal Peter J. Ostroskey. “As your families gather to celebrate this holiday, keep everyone safe. Start by making sure you have working smoke and carbon monoxide (CO) alarms.”

Cooking activities have been the cause of 87 percent of the 651 Thanksgiving Day fires in Massachusetts over the last five (5) years. State Fire Marshal Ostroskey offered these cooking safety tips that everyone can follow to prevent fires:

   Stand By Your Pan     

Cooking Safety Tips

1  Check to make sure your oven is empty before turning it on. 
2  Wear short or tight-fitting sleeves when cooking.
3  Turn pot handles inward over the stove.
4  Remember to “stand by your pan” and stay in the kitchen when boiling, frying or broiling.
5  Use a timer when baking or roasting and never leave the house with the oven running.
6  The best way to respond to a stovetop fire is to “put a lid on it” and turn off the heat.
7  The best way to respond to an oven or broiler fire is to keep the oven doors closed and turn off the heat.
8  If the fire is not quickly snuffed out, leave the house and call 9-1-1 from outside.

 

Nine Smartphone Distracted Driving Trends

The smartphone is changing how we live — and drive.

A new survey from State Farm reveals an alarming increase in the number of drivers using their smartphone for Web-based activities, including social media, GPS and e-mail.

While drivers continue to be in favor of laws restricting cellphone use while driving, they are still using the devices while behind the wheel, according to the annual study.

Read more: Nine Smartphone Distracted Driving Trends

10 States with the Rudest Drivers

State Most common complaint: Quotes
1. Idaho Slow drivers  "The roadways of Idaho present a dichotomy of drivers: Those who are moving so slowly that they’re judged to be rude, and the aggressive drivers who speed around them and flip them off. Together, with their opposite yet equally vexing styles of driving, they push Idaho to the top of the rankings."
2. Washington, D.C.  Aggressive drivers “Driving in D.C. can be compared to the recklessness of our politics: self-serving, abrasive and unsafe.”
3. New York Disrespect  "New Yorkers are 'known for their lack of respect to other drivers.  It’s not often that you see a driver in New York raise their hand [politely] or make some other gesture saying thank you to another driver for letting them through.  What’s more, pretty much no driver in New York bothers to indicate before turning.'”
4. Wyoming Selfish drivers  "A few years back, as reported in the Wyoming Tribune Eagle, Men’s Health magazine gave drivers in Cheyenne an “F” for quality of driving. The newspaper reported that “running red lights, disregarding stop signs, merging without signaling and speeding are some common traffic problems that lead to auto accidents.”
5. Massachusetts Overall rudeness 

“Massachusetts has the rudest drivers I have ever encountered. I rode in the car with one of my clients, and she never stopped shaking her fist at other drivers, spewing insults and profanities, tailgating and rushing lights. It was as if she owned the road, and other drivers were trespassing and in her way.”

(Bryden and Sullivan don't believe this data was collected on the Cape, where rates are much lower than in Boston!)

6. Vermont Speeding  According to a 2010 study from DriverSide.com, the Green Mountain State is No. 3 in the nation for speeding tickets issued per capita. 
7. Delaware Tailgating  “When doing the speed limit, I should not have to wonder about the make of a vehicle behind me, due to the fact the car is tailgating me so horrifically I cannot even see its hood!” 
8. New Jersey Cutting it too close  ”People in our state love to try and pull onto the road with far less space than they should, never like to let the other car merge in, and don’t seem to realize that yellow means ‘slow down.’ And then there’s the ‘Jersey Slide’: cutting across two or more lanes with the same blinker – if they use one at all. A favorite phrase of one of my female acquaintances is, ‘Learn to [expletive] drive!’ which she learned from an aunt who [nonetheless] loves to text, email and Facebook while on the road.”
9. Nevada Aggressive driving
"It’s more than rude, it’s really dangerous. You have to be totally on the defensive [when] driving here. You see accidents almost every time you go out. The worst thing that Las Vegas is guilty of is that you just know that whenever there is a light or a left-turn signal, there will be at least two or three cars going through the red. And there are always those folks, no matter where you drive on the freeway, who will be darting in and out just to get one more space ahead."
10. Utah Speeding "Recent Utah resident Matt Stubbs says it appears the state’s motorists are all in a race. 'But nobody knows where it ends or how to get to the finish. So everyone drives 5, 10 or 15 miles per hour over the speed limit.'"

What Makes Drivers mad?

According to Insure.com, which surveyed 2,000 drivers as part of its study,

  • 47% of respondents said that seeing others talking on a cellphone while driving made them maddest on the road, while
  • 37% cited tailgating as their number-one annoyance.
  • Beyond that, 35% said it was not signaling for turns,
  • 28% said it was weaving in and out of lanes, and
  • 26% said it was simply driving too fast. 
Insurance ... simple and done!

6 Steps for Storm Preparedness on Cape Cod

 

1. Know your Risk.

Wind Storms, Hurricanes, Blizzards and Flooding are our most immediate concerns on Cape Cod. It's always best to have your own Emergency Preparedness Plan. You can protect your local emergency management organization to determine if there are already community-wide preparedness materials you can have, including evacuation routes, shelters and communication systems.
 

2. Assemble or Update your Emergency Kit.

Stock up on basic supplies you might need if you had to evacuate your home quickly. Items may include food, water, first aid supplies, medication, batteries, blankets and pet supplies. Put these items in a lightweight, waterproof container an dplace it somehere that can be easily accessed in an emegrency.
 

3. Create a Communication Plan.

Your family might not be together when disaster strikes. Have a discussion with your kids about emergency preparedness, including where you can meet and how everyone can get in contact if the unexpected happens.
 

4. Practice your Plan.

Mock scenarios with your family and even your entire community can help everyone understand how to prepare for, react to and recover from a disaster with confidence. That way, if an emergency were to strike, each member would know exactly which tasks they are responsible for to keep themselves and others safe. 
 

5. Prepare your Home.

You can reduce the risk of injury to yourself and damage to your home by preparing your property for disaster. For example. in the case of a hurricane, it is recommended to board all windows and doors with hurricane shutters, and turn refrigerators and freezers to the coldest setting in order to preserve food, whereas a blizzard and freezing temps require salting the driveway and letting cold water drip from the faucet to prevent frozen pipes.

 

6. Document and Insure your property.

Under certain circumstances, damage to your home may not be covered under a basic homeowner's insurance policy. Talk to Bryden and Sullivan insurance agents to determine if you need any additional coverage for the risks your area is particularly susceptible to, such as tornadoes, wildfires, hurricanes and more.

   



Hyannis Office
88 Falmouth Road Rt 28
Hyannis, MA 02601
508-775-6060
FAX 508-790-1414
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485 Route 134, PO Box 1497
So. Dennis MA 02660
508-398-6060
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