Daylight Savings Time is also Daylight Safety Time

Daylight Savings
Daylight Savings Time is also Daylight Safety Time.

In most places in the United States, March 12 is Daylight Savings, when clocks are moved forward one hour. We here at Brown & Brown Insurance want to remind you it’s also a great time to improve your family’s safety.

Be safe in your home

Health and safety agencies often use the approach of Daylight Saving Time to remind people to change the batteries in their smoke alarms. The American Red Cross suggests you test your smoke alarms and talk with your family about your fire escape plan. Whether you live in New Mexico, or elsewhere, practice the plan too – at least twice a year.

Daylight Saving is a great time to check your emergency preparedness kit to make sure it’s fully stocked with fresh supplies.

Carbon Monoxide a concern too

According to the Centers for Disease Control and Prevention, more than 400 people die annually in the US from carbon monoxide poisoning. The CDC recommends changing the batteries in your CO detectors when moving your clocks forward this Sunday.

The CDC says the most common symptoms of carbon monoxide poisoning include headache, dizziness, weakness, nausea, vomiting, chest pain and confusion.

See the CDC’s site for more ways to prevent carbon monoxide exposure.

We here at Brown & Brown Insurance hope these tips help and that you’ll consider sharing them with the people you care about so they can live safer lives too.

Employee Spotlight

This month’s employee spotlight is on the wonderful Barbara Thomas.  Barb is located in our Taos office and new-mexico-1804590_1280has been with Brown & Brown for almost 23 years.  She has even had the pleasure of meeting Hyatt Brown when he came to Taos.  Because she is so active in the community, Barb has become the office liaison for many community organizations.

As Barb says, she is a person of the sixties, so Taos is the perfect community for her and her husband of 52 years.  Along with her husband, she has one daughter and son-in-law and one gran
dson.  Besides her work at Brown & Brown, Barb also curates art shows, is a textile artist, and makes teepees in her spare time.

Employee Spotlight Tambra Nash

tambra-nash-Brown & Brown InsuranceThis month’s employee spotlight is on our wonderful Tambra Nash.  She has been in insurance for 22 years, working her way up from a receptionist all the way to our Operations and Regional Leader.

Tambra has been married for 33 years and has 3 sons, with one still at home in high school.  Her favorite place to be is outdoors.  She loves going to the lake, camping, biking, skiing and going to football games.  Most recently, she has taken up indoor rock climbing.  Though she is still just learning, she is having a blast doing it.

While she prefers to be productive away from the home, her favorite things at home are her husband’s cooking, reading a lot of books, and watching the Big Bang Theory and The Walking Dead.

Tambra is the glue that holds our office together, and we are so glad that she was selected to share a little bit about herself this month!

Employee Spotlight

 

This month’s employee spotlight is on Debra Blighton.  Debra is in our commercial department and has been in insurance for over 32 years.  Here’s a bit about her in her own words:

Debraemployee-spotlight-debra-blighton returned to Albuquerque in October 2014 after a 8 year absence. She, like Georgia O’Keefe found the spiritual aspect of the area compelling and followed her desire to return. She loves all things “New Mexico”; The Jemez, Nob Hill, Sandia Peak, Tent Rocks, La Luz, the colour of the sky at sunset, the art, the culture, and of course the food. She will welcome her first grandchild in April and is over the moon with happiness.    

 

In her spare time, Debra stages houses for a local Real Estate agent, hikes the local trails, and enjoys her family and friends.

 

Winter Storms

Winter Storms Ahead:
Are You Ready?winter-storms

We admit it: As insurance pros, our picture of winter isn’t exactly cozy. Winter storms mean traffic snarls, hillsides turning to sheets of ice, and cars sliding around like hockey pucks. Cold temperatures can cause pipes to burst, frost swells and other damage. Heating your home with fireplaces and holiday lighting can increase the risk of fire.

A picture-perfect winter requires a few precautions
Here are a few of our top tips to help reduce weather-related hassles this winter.

Winter-proof your car with good snow tires or chains, new wiper blades, antifreeze, and emergency road supplies.

Keep your attic cool to help prevent ice dams. Insulate the attic floor and make sure it is well-ventilated.

Do not overload circuits with holiday decorations.

When winter storms hit, be smart
If you do not have to drive, stay put. If you must drive, make sure you’ve winterized your car and have a full tank of gas.

When the air is cold, keep bath and kitchen cabinet doors open so warm air can circulate around pipes. If pipes do freeze, let them thaw normally—they’ll be less likely to burst.

And if the power is out, make sure you avoid leaving candles or fires burning unattended. If you use a portable generator, follow the instructions and do not use it indoors.

Know what your insurance covers
We want to help you rest easy. You will be more relaxed when you know you have prepared your property to lessen the chance of winter storm damage. Your insurance policy covers repair or rebuilding costs. However, your deductible does apply. Check your policy to see what is covered and to confirm the deductible you have chosen.

If you have any questions at all about your coverage, call 505 821 5888 and we will help you review your options.

Employee Spotlight

 

sharonThis month’s employee spotlight is on Sharon Elliott.  She works in our personal lines department and has been in the insurance field for 25 years—20 of those with Brown & Brown.  She really enjoys helping and talking with people.

When asked what she likes to do outside of work, Sharon said that she really enjoys the outdoors.  She loves to walk, hike, and travel.  Sharon’s dog is MK, who she often calls her “buddy”, and MK often accompanies Sharon in her outdoor adventures.  She is very active at church and plays the bells there as often as possible.

The most important thing on Sharon’s mind lately is the Making Strides Against Breast Cancer walk.  She is very passionate about the cause and is organizing our office as a team for the 5 mile walk.

When Water Goes Where It Shouldn’t

When Water Goes Where It Shouldn’t

When Water Goes Where It Shouldn’t

Even a small leak can become a major problem, so knowing what you’re covered for and how to prevent water damage are equally important.  The below tips should help uncover any potential water problems down the road and keep your property dry.

Check appliance hoses.  Standard hoses are not as durable as they used to be.  Replace rubber hoses with steel-braided hoses. This is a low cost fix that can save thousands in water damage.

Broken tiles in the shower can allow water to leak into the walls or on the floor. Replace cracked tiles and re-grout when needed.

Run dishwasher and washing machine only when you are home.  If a leak occurs, you can turn the appliance off right away.

When on vacation, turn off the main water supply to your house.

Keep storm drains near your house clear of leaves.

Install a gutter guard.  This can prevent a rooftop disaster caused by drain clogs, and also prevents flooding by water that isn’t carried away from the house.

Install a water pressure gauge.  An inexpensive gauge can prevent damage caused by water pressure that’s too high.  Pressure should be between 60 and 80 PSI.

Best Places to Work

2016 Best Places to Work

2016 Best Places to Work NM

Brown & Brown Insurance of New Mexico made the list of finalist for “Best Places to Work”.  Click the image above to see the other companies that made the list.

 

Market Value Vs Replacement Cost

Many of our customers wonder why we set homeowners’ and rental properties’ dwelling coverage at what we call “replacement cost”.  Many ask why we can’t just put it at the market value or the price they paid for the home.  We do our best to explain when these questions arise, and we hope this blog will help explain to the people who think these questions, but don’t ask.

Market values fluctuate.  We all know that.  Housing bubbles burst, and sometimes your home is valued much less than you paid for.  On the other hand, purchase price also fluctuates.  Maybe you got a great deal because the previous owner just needed to get out of a mortgage.  In that scenario, things are working out great for you, but your home is still worth more than that.

Replacement cost is, quite simply, the cost it would be to replace your home in the case of a total loss.  This is what we do in insurance.  We are there for the catastrophes, and it is our duty to be sure that you are able to rebuild and have everything like it was before.  Replacement cost factors in materials, labor, time, inflation—everything it takes to rebuild your home.  So while you got a great deal buying your new home at $200,000, if it is going to take $250,000 to rebuild, that is what we want to insure you for.

Market ValueWe know insurance can be a pain to understand.  That’s why you want an agent who can guide you through the mess of information to be sure that you are covered properly.  That’s why we don’t get tired of answering this question.  We want everyone to be insured at replacement cost in case the unthinkable happens.  We want you to have the peace of mind that you are covered.

Last updated by at .