10 Reasons Your Insurance May Need a Checkup

Does your insurance need a checkup?

• Have you gotten married or divorced?
• Have you had a baby?
• Did your teenager get a driver’s license?
• Have you switched jobs or experienced a significant change in your income?
• Have you done extensive renovations on your home?
• Have you decided to buy a vacation or potential retirement home?
• Have you acquired any new valuables such as jewelry, electronic equipment, fine art, antiques?
• Have you signed a lease on a house or apartment?
• Have you joined a carpool?

If you answer yes to any of these questions, give us a call to update your policy. (410) 504-1002

How to Deal with Bed Bugs in Your Home or Business

Here are some tips from your friends at RHH Insurance on how to deal with bed bugs. If you find bed bugs in your home or business, it’s important to get rid of them as quickly as possible, as they can breed and spread very quickly. Patience and persistence is the key to ridding your premises of bugs.  Stop bugs from hiding in your bed Double-sided carpet tape attached to the base of bed legs does not allow the bugs to crawl up to you. Also effective is mineral oil or petroleum jelly applied at the base of the bed leg. Don’t forget that crawling up a bed leg is not the only way a bug can end up hiding in a bed. Use a protective cover that encases mattresses and box springs to eliminate many hiding spots. 

Hire a pest management professional (PMP) Hiring a PMP is the best way to get rid of these pesky bugs. Licensed PMPs know what products should be used, and where. If they are affiliated with a state or national association it’s likely that they stay up-to-date on current practices. They also know best how to find bed bugs. Unfortunately, you will need more than one treatment, and potentially several. The PMP will have to come back two weeks after the initial treatment to apply more insecticides to kill any eggs that have hatched. Insecticides do not kill the eggs. In order for the PMP to do the job properly, he will require prep work from you. If the PMP does not require you to do prep work, call the next company on your list.

Cleaning Thoroughly cleaning a room can help to eliminate bed bugs. Scrub infested surfaces with a stiff brush to dislodge eggs and use a powerful vacuum to remove the bugs from cracks and crevices. This will not ensure that you’ve got all the eggs, but it will help. When vacuuming, use the smallest attachment to suck the bed bugs out of hiding. Bed bugs in the vacuum bag or canister will still be alive. Put the bag or canister contents in a sealed plastic bag and freeze for two weeks to kill the bugs.

Heat treatments Steamers and heat treatments will kill eggs and adults on contact. It is unclear how deeply the high heat of a steamer will penetrate wood and fabric; therefore, steaming may not kill all the eggs or adult bed bugs. Because steam can carry electricity, stay away from switch plates, electrical outlets, and appliances. In order for heat treatment to work, items must be in a dryer on the hottest setting for 60 minutes. Spraying The pesticides used in the middle of the century, such as DDT, have been removed from the market due to environmental and health concerns. There are sprays that claim to kill and repel bed bugs, but they are not your best defense. You should not apply insecticides on your own. You may cause the bugs to hide in different places, which will make it more difficult for a PMP to exterminate them. “Don’t let the bed bugs bite” is no longer just the rhyme it once was.

House Fires – How to Stay Safe

The National Fire Protection Association indicates house fires are the leading cause of all fire deaths in the United States. According to the NFPA, there were 403,000 residential fires in 2008, resulting in 2,780 deaths and 13,560 injuries. The NFPA acknowledges cooking as the leading cause of house fires in the United States and heating related fires as the second most common cause.
 
Here are some safety tips, brought to you by RHH insurance, to help prevent house fires:
 
Cooking
According to the NFPA, cooking related fires account for approximately 40% of all house fires. Most cooking fires are started when an oven or stove is left unattended or when items are left too close to a heat source. To reduce the risk of a cooking related fire:
- Make sure to never leave your oven or stove unattended while it is on.
- Keep all items at least 3 feet from the heat source, including cookbooks.
- Be sure to keep a properly charged fire extinguisher in or near the kitchen.
- Consider an automatic appliance shut-off switch for elderly or disabled persons.
 
Heating
NFPA statistics show most heating related fires occur in December, January and February and the majority of these fires are caused by fixed and portable space heaters. Extreme caution should be taken whenever alternative heating units are used. Kerosene heaters, electric space heaters, wood burning stoves, pellet stoves and fireplaces all provide hazards which could increase the chance of a fire loss. To reduce the risk of a heating related fire, consider the following:
- Kerosene: Kerosene heaters are extremely dangerous and should not be used inside the home. If a kerosene heater is used in the garage or a separate structure, be sure to choose a model that has been UL (Underwriters Laboratories) listed. Also, make sure the unit has an automatic starter, a fuel gauge and a safety grill. Use only crystal clear K1 kerosene and make sure to slightly open a window for ventilation.
- Electric space heater: Electric space heaters should not be used in wet places such as bathrooms and should always be used on the floor, rather than on top of furniture. Also, be sure the plug fits snugly into the electrical outlet and avoid using an extension cord.
- Wood-burning/Pellet stoves: Have a certified professional install the woodburning or pellet stove and have a certified chimney sweep annually inspect the vent pipe or chimney. Burn only seasoned hardwood and refrain from using the stove to burn cardboard boxes or trash.
- Fireplace: Hire a certified chimney sweep to annually inspect your chimney for cracks, blockages, leaks and creosote build up. Use a sturdy screen or door to keep embers inside the fireplace and use a metal container for ash removal.
 
Electrical
Electrical related fires are also a leading cause of house fires. The most prevalent types of electrical fires involve the improper use of light bulbs and problems with the home electrical system.
- Light bulbs: Never use a light bulb that exceeds the maximum wattage listed on the manufacturer’s warning label. Also, do not place anything over a lamp, such as a towel, clothing or paper.
- Home electrical systems: Allow only qualified electricians to perform electrical work in your home and have any faulty, inadequate or outdated wiring replaced. Avoid using an extension cord to plug in an appliance.
 
Smoking
The NFPA determined smoking to be the leading cause of fire fatalities in 2008, accounting for nearly 25% of all residential fire deaths. Most smoking fires start when a cigarette, cigar or pipe comes in contact with upholstered furniture, such as a couch or a chair, or when a person falls asleep while smoking in bed. As a precautionary measure, make sure to:
- Never smoke in bed
- Require anyone who smokes, to do so outside.
 
Miscellaneous
- Kitchen oven: Never use a kitchen oven to stay warm.
- Generator: When using a generator, be sure to ventilate properly. A generator should not be kept in a garage but should be kept outside, to prevent gases from seeping into the home.
- Candles: Never leave a lit candle unattended, especially if there are pets or small children in the home. Also, extinguish any decorative candle when it gets down to the last ½ inch, as the glass may crack and allow hot wax to leak out and potentially cause a fire.

Follow these tips and a life could be protected and the risk of suffering a devastating fire loss can be drastically reduced.

Fire safety tips | Maryland Insurance

October is Fire Prevention Month. According to the Home Safety Council’s State of Home Safety in America™ Report, fires and burns are the third leading cause of unintentional home injury and related deaths. Fire safety and survival begin with everyone in your household being prepared. Follow the safety advice below to reduce the chance of fire in your home.

Smoke Detectors
•    Place smoke detectors near bedrooms and on every floor of the house.
•    Test the batteries often or as recommended by the manufacturer.
•    Don’t place smoke detectors near air vents.
•    The smoke detector’s battery should be replaced twice a year. Here is an easy way to remember: When you change your clocks, change your batteries.

Electrical Wiring
•    Replace worn cords.
•    Don’t run cords under rugs or carpets.
•    Don’t overload electrical outlets or power strips.
•    Avoid using extension cords when possible.
•    Replace any frayed or cracked extension cords.
•    Don’t tamper with your fuse box or use improper-size fuses.
•    If any electrical appliance smokes or has an unusual smell, unplug it immediately, and don’t use it until checked or repaired.

Electric Space Heaters
•    Don’t use an extension cord on space heaters.
•    Unplug heaters when you are not using them.
•    Keep heaters a safe distance (at least three feet) from furniture and curtains.
•    Do not dry your clothes, gloves or other items on a heater.

Fireplaces
•    Have your chimney cleaned regularly to prevent chimney fires.
•    If you have a fire in your fireplace, always close the screen or doors.
•    Always empty your fireplace ashes in a metal container, and set them away from the house or anything that will burn.

Cooking
•    Never leave cooking unattended.
•    For each pot or pan you use, have its lid out to cover it to extinguish sudden flare ups.
•    Keep the cooking areas clear of combustibles such as aerosol cans, oil, towels etc.
•    Turn pot and pan handles inward on the stove so they can’t be bumped.
•    Keep small children away from the cooking area while in use.

Home Fire Escape Plan – Create a family escape plan in case of fire.
•    Practice the escape plan every six months.
•    Assign someone to help those that need help getting out.
•    Create a meeting place for everyone once they get out.
•    Get out of the house or building and stay out.
•    Always know two ways out of every room.
•    Feel doors with the back of your hand for heat before opening.
•    Open doors slowly, and be ready to close them if heat or fire is outside them.
•    Close any doors you safely can as you are leaving the house or building.
•    Crawl low under the smoke.
•    Once outside, go to a phone, and call 911 to report the fire.

Calling 911 – Provide any helpful information to the fire department that you can such as:
•    Where the fire is located in the house or building
•    If anyone is still in the house or building and where they might be located
•    Any hazards that might be in the house or building

Just good common sense …
•    If your clothes catch on fire: STOP, DROP and ROLL until the fire goes out, and cover your face with your hands.
•    Children should NOT have access to or play with matches or lighters.
•    Children should stay away from others who play with fire and should immediately inform an adult.
•    Smokers should always use a proper ash tray and should stay alert while smoking.
•    Have working fire extinguishers, and know how to use them.
•    Do not waste time trying to save your pets, toys and other things.
•    Every second counts in a fire.

Remember, fire safety begins at home. Every family should know the basics of how to prevent fires and what to do in case there is a fire. Check out these useful Web sites for additional safety tips.

http://www.smokeybear.com

http://www.nfpa.org/sparky/index.html

http://www.usfa.dhs.gov/citizens/index.shtm

September is Disaster Preparedness Month

September is Disaster Preparedness Month and we want to make sure that you are prepared in the event of a disaster in your area. “Because September is National Preparedness Month, The Institute for Business & Home Safety (IBHS) is offering simple, inexpensive ways home and business owners can prepare their property to better withstand many different kinds of natural disasters.” Check out their website and use their cool Zip Code tool to find out what risks are common where you live and what you can do to help minimize the impact of these natural and man-made disasters!

http://www.disastersafety.org/

Maryland Earthquake Offers Reminder of Widespread Risk

Most Homeowners and Businessowners in Maryland and its surrounding states are NOT prepared for Earthquakes!

The 3.6 magnitude earthquake felt in the Washington, D.C., metropolitan area on July 16th had its epicenter in Gaithersburg, Maryland.  While no damage was reported, it is a reminder that in the United States about 5,000 quakes strike each year.  “Since 1900, earthquakes have occurred in 39 U.S. states and caused damage in all 50″, according to the Insurance Information Institute (I.I.I.).

Earthquakes are not covered under standard homeowners or business insurance policies.

Coverage is usually available for earthquake damage in the form of an endorsement to a business or homeowners insurance policy or as a stand-alone policy, depending on the state in which you live.  Standard homeowners and business insurance policies may, however, cover losses from a fire following an earthquake, which would include additional living expenses and business interruption coverage.

Stock knocked off the shelves at a grocery store after an earthquake.  Does your business insurance provide coverage for this?

Call Rossmann-Hurt-Hoffman, Inc. today at 1-866-847-0449 and make sure that your home or business is covered for earthquakes.  A seldom thought of, but very real risk!

Insuring Summer Toys | Insurance Maryland

Boats, trampolines and more – are you properly insured?

Summer is the time for fun. Book a tee time, put the boat in the water, head to the lake, the beach or the mountains. It is the time of year to play. Golfing, boating, fishing, water skiing, swimming, hiking, trail riding – you name it, we do it.

In order to play, we have to have the right toys. And, we have those toys – swimming pools, boats, golf carts, all-terrain vehicles (ATVs), motorcycles, motor homes, and trampolines for the kids. You name it, we’ve got it. And if we don’t own one, we’ll rent one.

But, are the toys we own and rent properly insured under personal insurance policies? In some cases the answer is yes, but, all too often the answer is no.

Pick up your phone and give us a call.  Find out whether your “summer fun” might turn into your “summer nightmare”.  We can help make sure it is “summer fun” for you!

CALLING ALL CONTRACTORS

Give us a call and find out why you’ll want to make Rossmann-Hurt-Hoffman, Inc. your resource center of choice for insuring all of your contracting exposures. With understanding, knowledge and integrity, our professional staff of agents specially trained in the unique needs of contractors, we will guide you to the best markets and most comprehensive products in the industry for your contracting business. From a small one man operation to large contractors with many employees and huge exposures, our expertise encompasses almost every type of contractor, including ROOFING, JANITORIAL, FLOORING, PLUMBING, LANDSCAPING AND CARPENTRY CONTRACTORS just to name a few!

Don’t just take our word for it…read what one of our customers has to say about his experience of doing business with our agency:

“Rossmann Hurt Hoffman, Inc not only was able to offer me a better insurance program, but they were able to offer it at a more competitive price.  Rossmann Hurt Hoffman has better service and expertise than any agent I have ever dealt with” – Mike Corona, Corona Marble & Tile

Restaurant Insurance: A Necessity for Any Restaurant

Restaurant insurance is important to have, because it can protect your business from liability issues and lawsuits due to broken equipment. There are many common everyday scenarios restaurants face that can become easily hazardous. This article will discuss some of the great reasons to consider getting insurance for your restaurant business today.

Think about how often chefs are using the fryers in a kitchen, or how often your restaurant is exposed to open flames. Wouldn’t it be a tragedy if a fire broke out in your restaurant? Think about how your business would be severely financially affected, in addition to the injuries workers or even your customers could sustain. Having to engage in legal battles could prove to be even more expensive.

With restaurant insurance, your business is protected from common everyday scenarios like the above that can harm your business.

There are a variety of more specific types of restaurant insurance you may want to invest in for your company. Food contamination insurance is especially helpful if your restaurant happens to lose power one day. If your restaurant loses power due to a storm or fallen power lines, then food contamination insurance will cover the entire contents of your freezer in which you keep your food. Perhaps you own a gourmet restaurant and keep thousands of dollars worth of food in a freezer. This type of restaurant insurance would then cover your valuable losses and would prove to be a valuable investment.

Loss of Business insurance is another kind of restaurant insurance that protects your restaurant. Perhaps you start losing sales or customers due to a recent incident at your restaurant. Depending on what the reason is you may be able to recoup some of the losses with Loss of Business insurance.

Some types of restaurant insurance include all of the specific types in an all-in-one sort of package. This can be a highly favorable choice, if you want to cover all of your bases as a restaurant. If you place a high premium on being prepared, then all inclusive restaurant insurance is the perfect choice for you.

Other times in which restaurant may protect you are for food spoilage, liquor liability reasons, worker’s compensation lawsuits, and a plethora of other scenarios.

Having restaurant insurance is the best way your restaurant can prepare for the worst. Be prepared and your preparation may be a smart investment in the future when you need insurance most.

RHH Insurance Sponsored 2010 Restaurant Association of Maryland Stars of the Industry Awards Gala

Rossmann-Hurt-Hoffman had the pleasure of attending and sponsoring of the 2010 Restaurant Association of Maryland Stars of The Industry Awards Gala this past Monday April 26th. For those of you who are unfamiliar with the event, “Each year the Restaurant Association of Maryland honors hospitality luminaries for their excellence demonstrated in and out of the kitchen as well as their service to the local communities.” The annual awards presentation took place at Martin’s West in Baltimore Maryland where the dining public and hospitality professionals throughout the state recognized the year’s “Stars of the Industry”. We and 700+ attendees enjoyed fine dining and a night of celebration for the Maryland restaurant industry.  This year’s winners include:

• Restaurateur of the Year – Dorothy and Richard Mollett, Antrim 1844 (Taneytown)
• Chef of the Year – Bryan Voltaggio, Volt (Frederick)
• Maryland’s Favorite Restaurant – Jack’s Bistro (Baltimore)
• Maryland’s Favorite New Restaurant – Blue Hill Tavern (Baltimore)
• Favorite Caterer – Chef’s Expressions (Timonium)
• Favorite Bar and Tavern – The Brewer’s Art (Baltimore)
• Pastry Chef of the Year – Maura Radmanesh, Clyde’s Tower Oaks Lodge (Rockville)
• Wine and Beverage Program of the Year – Charleston Restaurant Group (Baltimore)
• Allied Member of the Year – Saval Foodservice represented by Brian Bernstein
• Green Restaurant of the Year – Woodberry Kitchen (Baltimore)

Rossmann-Hurt-Hoffman would like to congratulate all of this year’s nominees and winners!