Filer Insurance News

Safety Tips for Your Boat Trailer

Tue, 01 May 2012 23:20:48 GMT

When purchasing a trailer in Washington or elsewhere, stay within recommended capacity guidelines. When determining capacity, remember to include the weight of fuel and accessories in addition to the weight of the craft.

Trailers come with closed or open frames. Closed frames help protect the wiring, but problems can be more difficult to locate and repair. Open frames leave the wiring exposed, but make it easier to spot and repair potential problems. Open frames also drain water more easily and efficiently, so keep in mind that when you dip that trailer into lakes, or elsewhere.

Consider the method of personal watercraft (PWC) support, the frame strength and construction, whether lights and wiring are approved for marine use, whether rollers and bunks are properly positioned and attached to the main frame for proper suspension, and the durability of the finish. (Powder-coated or galvanized finishes are more durable than baked-on enamel.)

Purchase good quality tie-downs with the right hooks to attach to your trailer. Before each use of your trailer, check:

Tires for wear and inflation
Hitch and safety chain for signs of wear or stress
Braking system to make sure you can stop with a load
Electrical system for improper connections, corroded terminals, damaged wires, burned out bulbs, etc.
Wheel bearings are properly packed with a good bearing grease
Lug nuts and main nuts are tight
Stops, rollers and bunks for wear or cracks
Coupler and ball are compatible in size and are properly secured. Check for wear or stress
Both bow and stern of your PWC are secured to the trailer. Use extra tie-downs in case one should fail
Emergency supplies; carry basic tools, spare bulbs, bearings, grease, mounted tire and highway flares

Drive carefully. Give other drivers plenty of warning for any maneuvers. Allow for the extra length of the car and trailer when turning and passing, and allow extra time for stopping.

Pull off the road periodically to check the rig. Examine the tires and wheel bearings for signs of overheating, check the lights and test the tie-downs.

Before Leaving Shore

At the Launch Ramp:

It helps to have someone in the car, and someone at the water.
Prepare your PWC as much as possible before taking your turn in line. Remove the craft cover. Remove the seat for a few minutes to allow gas fumes to vent. Undo the stern (not bow) tie-downs. Unplug the trailer lights. Make sure the PWC drain plugs are in place. Visually inspect your PWC from bow to stern.
Be courteous. Wait your turn at the ramp. Don’t rush, but don’t linger longer than necessary.
Make sure the way is clear before launching. Look for other boats, debris, etc.
Be prepared to ride clear of the launch area immediately and to secure the PWC out of the way of others.
Never leave the trailer unattended on the ramp with only the parking brake set.

Contact Us!

Spring is Coming!

Thu, 01 Mar 2012 16:15:08 GMT

With the days getting longer and the weather getting warmer, we're starting to think about spring. (Or at least hoping that springtime is coming, anyway.) And whether spring arrives on time, we've got you covered with tips to get you ready for the season.

Get Ready for Spring

Although everyone thinks of cleaning when it comes to spring, there are a number of things you should do to make sure your home is ready when the weather in Washington changes. Below is a selection of maintenance tasks from the National Center for Healthy Housing (see the full list)

Check to make sure your roof’s shingles are in good condition (stay safe doing that!), and check your attic for any possible roof leaks that should be repaired.
Look for peeling paint and repair/touch up as needed.
Check for signs of leaks at window and door sills and use caulking or weather stripping to seal.
Clean your dryer vent and make sure exhaust ducts are clear.
Make sure there are no puddles or wet spots in your basement or crawlspace.
Look for signs of rodents, roaches, termites, etc. Call an exterminator if you suspect an infestation.
Clean your gutters and downspouts.
Clean air conditioner coils and drain pans.
Check/replace the batteries your home’s smoke and carbon monoxide alarms.
Replace filters in your air conditioner and dehumidifier.
Store winter heaters, ensuring that liquid-fuel heaters are completely emptied. These should be stored outside, if possible.

Beat the Wintertime Blues

Well, you can take solace in the fact that spring will be here eventually. In the meantime, here are some quick tips from Johns Hopkins University to avoid the “winter blues” and get through those long weeks of waiting before spring.

Keep active. Exercise releases endorphins that will elevate your mood.
Eat well. High-sugar foods and large amounts of caffeine can feed depression and actually decrease your energy level. Foods such as whole grains, fresh fruits and vegetables, seafood and lean meats can help your immune system.
Go to the light. Bring as much light into your life as possible, by spending time outdoors, opening your shades so your home receives more natural light, or even get help from a “light box.”
Get your rest. Go to bed around the same time every night and wake up at the same time each morning. You’ll have more energy during the day.
Of course, if you have strong feelings of depression, please seek assistance from friends, family or a trusted health-care provider. There are people ready to help, whatever the season.

Contact Us !

If an annual insurance review wasn’t included in your New Year’s resolutions, why not get it done while you’re in the cleaning and organizing mood this spring? Your life changes over the course of a year – sometimes in monumental ways. That means your insurance needs can change, too.

At Filer Insurance we can work with you to make sure you’ve got the coverage you need, while at the same time utilizing all possible credits and discounts to make that coverage affordable. Just contact us or give us a call at 206-545-4800. We want to help you meet your goals, and make sure what’s important to you is protected!

Prepare for Driving In Bad Weather Before You Hit the Road

Wed, 01 Feb 2012 16:19:57 GMT

Rain, fog, sleet, snow, ice and wind… bad weather is the enemy of every driver in Washington. Filer Insurance wants you and your employees to be safe. Even if you are satisfied that your vehicle and all of its components are in good operating condition, bad weather demands that you take a few more precautions before hitting the road. At regular intervals, especially during the winter months, check the following items.

Abrasive Material: A bag of kitty litter or similar material will help you get moving under snowy or icy conditions

Battery: Does it need to be charged or replaced? Cold weather puts extra strain on a battery. Always keep jumper cables in your vehicle.

Brakes: Are they properly adjusted? Should they be replaced? Good brakes are more important than ever during the winter months. If you have an anti-lock braking system (ABS), make sure it is working.

Chains: Do you carry them? They can be a real help on ice or snow.

Cooling system: Be sure the cooling system is free from leaks. Does it need more anti-freeze? Should it be flushed and refilled?

Defroster: Are the defroster and heater working properly? Make sure they can keep the interior from fogging and the windshield free from ice.

Engine: Have you had a recent tune-up? This is a must in cold weather to prevent slow starts and stalling.

Exhaust System: Check to make sure the muffler and exhaust pipe are free from leaks. Carbon monoxide from a faulty exhaust system can threaten your life.

Lights: Keep all lights clean and working properly (high and low-beam headlights, taillights, brake lights, directional signals).

Restraints: Keep lap and shoulder belts clean and accessible, and be sure to use them. Restraints can keep you behind the wheel and in control if the vehicle suddenly skids.

Tires: Are they properly inflated? Are treads in good condition and wheels aligned and balanced? Consider changing to snow tires.

Windshield Wipers and Washer: Keep wiper blades in good condition and be sure they are set at the proper pressure to sweep snow off the windshield. Keep plenty of windshield washer anti-freeze handy.

Filer Insurance can provide you with tools for fleet driving training and additional information to help reduce crashes in everyday driving. Just give us a call at 206-545-4800 or contact us today!

Things to Keep in Mind When Buying a Car

Tue, 03 Jan 2012 15:43:08 GMT

Buying a new car is an exciting time - but it can also be stressful. After all, you're trying to get the best deal on price, while also deciding on the make, model and features you need.

We can't really help you become a master negotiator when it comes to buying a car. But we can give you some things to consider when you're looking around the lot - and when you're trying to answer the age-old question of "new, or used?"

Now, the new vs. used argument is pretty well documented - with people usually staunchly in one camp or the other - and you probably already know what side you're on. But read on with an open mind, and you might just come to a different decision the next time you’re on the car lot.

New cars

Ah, that new-car smell. It's a bit of a cliché, but it's one of the things that people love about climbing into a brand-new car. And while they make air fresheners that supposedly give you that same smell for your used car, it just doesn't seem the same, does it? Still, there are other benefits to buying new - and, of course, there are drawbacks as well.

PRO - Choices: When you buy new, you get to choose your color and the exact features you want. From spoilers to sunroofs to leather seats and stereo systems, you can customize your car to best fit you.
PRO - Maintenance: Some manufacturers offer free scheduled maintenance for a set period of time after you buy the car, and you likely won't need a new battery, tires, etc., for several years after your purchase.
PRO - Peace of Mind: Your new car may have a warranty for up to 10 years, and also is covered by "lemon laws" that could allow for a replacement or refund if the car has serious defects.
CON - Cost: Depending on the make and model, buying a new car is almost always more expensive (at least in terms of the purchase price) than a used car.

It's also worth noting that if you purchase a new car in its first model year (meaning it's a new model for the automaker), there won't be many user reviews available, and data on reliability and repairs will be limited. In addition, sometimes newly introduced cars have some kinks that generally are ironed out by the second and third model years. These aren't necessarily serious issues, and the warranty should cover them, but in some instances, you and your car could be headed to the shop more than you'd like.

Used Cars

Don't care about the new-car smell? Looking to save some money on your purchase? Well, a used car might be right for you. There are many advantages to buying used, but you'll want to be a little more careful. After all, it's hard to know exactly how well the previous owner treated the car. But you can limit your risk with a little bit of work.

PRO - Choices: While you won't necessarily get to customize your used car, you likely can find a pretty good fit. There are lots of used cars out there.
PRO - Cost: New cars depreciate quickly after they're purchased. By buying used, you're letting someone else take that financial hit over the first few years of the life of the car.
PRO/CON - Reliability: Buying a used car is less of a gamble than it used to be, particularly with the advent of "certified pre-owned" programs many automakers now offer. However, used cars generally don't carry the same warranties as new cars, even though the original manufacturer's warranty is usually transferable to a second owner.
CON - Maintenance: While a used car theoretically shouldn't need more frequent maintenance than a new car, you'll likely need to replace things like tires, headlights, etc., earlier. And scheduled maintenance probably isn't covered by the automaker.
PRO/CON - History: You'll need to check the car's title history to make sure it hasn't been in a serious accident or salvaged. Ask the dealership to provide this information, usually from Carfax.

Of course, whichever car you purchase, the important thing is that it's a good fit for you. Bear in mind that certain makes and models can result in higher car insurance costs for you, so feel free to check in with us before you buy.

Have fun shopping - and we'll see you on the road!

Is Your Home Energy Efficient?

Thu, 01 Dec 2011 19:58:23 GMT

Drafty windows. Leaky faucets. Dirty air filters.

All are common issues here in Washington, and they’re not only annoying – they also cost you money in decreased energy efficiency and higher utility bills.

Would you like to save $200 to $400 a year on your energy costs? That’s how much the U.S. Environmental Protection Agency’s Energy Star program estimates that homeowners can save by incorporating technologies to make their homes operate more efficiently.

Of course, helping to protect you and your family is our goal at Filer Insurance, and keeping your home well-maintained usually means your home will be safer as well. Those are goals we all should share. Several of the tips below from the National Association of Home Builders will help you accomplish both.

Do a home-energy audit

Making your home more efficient can seem like an overwhelming task. But “auditing” your energy efficiency is something you can do yourself, and it’s relatively simple. This will show you where your home loses energy, how efficient your heating and cooling systems are, and ways you can decrease your electricity use. Just inspect the areas listed here and note the problems you find.

Where’s the air? Air commonly “leaks” from homes through gaps around baseboards, electrical outlets and windows or doors. Stopping these drafts can save up to 30 percent of your yearly energy costs. Be sure to check your home’s exterior as well, paying particular attention to areas where two different building materials meet. When you find leaks, seal them with caulk or weather stripping.
Don’t wait … insulate! Check to see if the amount of insulation in the ceiling and walls is sufficient. Your attic door should be insulated and close tightly. For walls, make a small hole in a closet or other inconspicuous place and probe into the wall with a screwdriver – the area should be completely filled with insulation.
Do a systems check. Efficient heating and cooling systems can save you frustration as well as money. Make sure ducts and pipes are insulated properly, and have your equipment checked and cleaned by a professional each year. Filters for forced-air furnaces should be replaced as soon as they are dirty, or every 30 to 60 days.
Let there be (efficient) light. Lighting can account for up to 20 percent of your home’s total electricity use, so consider compact fluorescent lamp (CFL) bulbs, which last longer and use far less energy than incandescent bulbs.

The only thing left to do after you complete your audit (and make any necessary changes)? Figuring out how to spend the money you’ll save each year!

Contact Us!

For further questions and assistance, please contact us.

Make Sure Your Home is Ready for Winter

Tue, 08 Nov 2011 18:04:46 GMT

Summer has ended, but there’s no need to fret: Fall brings with it crisp, cool days, wonderful colors — and football season!

It also brings with it a few maintenance tasks that Filer Insurance recommends to help ensure your home is ready for fall and winter weather in Washington.

Check out the following information for some general tips from the National Association of Home Builders, and don’t hesitate to call us if you have questions about what your home insurance policy covers.

Exterior maintenance

Gutters: Leaves, pine needles and other material can clog your gutters in the fall, preventing proper drainage and raising the risk of water damage to your walls, foundation, basement or landscaping. Remove all debris from your gutters and consider installing one of the many available gutter guard systems — it could be the last time you have to worry about clogged gutters.
Trees: Weak trees and branches can break and cause damage to your home, car or even someone walking on your property (the latter is a good reason to consider a personal umbrella insurance policy). Watch out for large dead or detached branches, as well as cracks or rotten wood along trunks and major branches. If there are potential hazards, call a professional tree service.
Roof: Damaged or loose shingles, as well as gaps where roofing or siding meets vents and flues, can mean emergency (and expensive) repairs later. Being proactive is the best way to avoid problems — if you see signs of damage, you’ll want to call a professional roofer.
Walls: The exterior walls of your home keep the weather out — so you’ll want to make sure they’re up to the challenge of of a Washington winter. Look for possible damage or decay on siding and trim, and patch or replace pieces if necessary.

Interior maintenance

Insulation: Check the insulation in your attic, basement and crawl spaces, and insulate pipes in those spaces to protect against freezing.
Pipes: Nobody wants to deal with a frozen pipe, so if you live in a place susceptible to freezing, wrap exposed ones with heating tape every winter and keep your home above 65 degrees. Always check for cracks and leaks. And know where the main water shut-off is in your home so you can act quickly if there is a problem.
Heating: It’s a good idea to have your heating systems (furnace, fireplace, water heater, etc.) serviced every year.

For more information on home maintenance, visit the National Association of Home Builders website at www.nahb.com. A little action on your part now can make fall and winter a lot more enjoyable for you and your family.

For further questions and assistance, please contact our office.

Understanding Identity Theft

Thu, 06 Oct 2011 20:50:01 GMT

Your identity belongs to you. Here are some suggestions from Filer Insurance to help you protect it.

One smart and effective way to protect yourself against identity theft is to prevent it. If your identity is stolen, you'll be able to lessen problems by acting quickly, whether you live in Washington or elsewhere.

Start with Good Habits

Print out a copy of this page and store it in a convenient place
Leave your Social Security card at home in a safe place
Shred papers with personal information
Reduce your credit card accounts, and only carry the cards you need
Write checks with a permanent pen, and mail from a secure place
Photocopy both sides of your credit cards and store safely

Watch Your Accounts Closely

Review balances and transactions often by phone or online
Make sure every transaction on your credit card statements is accurate
Take advantage of free credit reports and watch for unusual activity
Sign up with Experian, Transunion, and Equifax and stagger your requests to get a free credit report every four months or sign up for credit watch services which will report directly to you for a fee

Fill Out the FTC Affidavit Quickly

The FTC Theft Affidavit supplies proof that you didn't authorize any accounts opened or debts run up by the identity thief
New accounts need this FTC affidavit form to investigate the fraud and process your claim
Call your existing accounts for instructions on disputing unauthorized charges as other forms may be needed
Keep originals of the affidavit, as well as all supporting materials such as driver's license or police report. Send copies only.
Send quickly - many creditors request that you send the affidavit within two weeks

Keep This Information Handy:

Federal Trade Commission:
1-877-438-4338
www.consumer.gov/idtheft
www.ftc.gov

Social Security Administration
Fraud Line: 1-800-269-0271

Credit Reporting Agencies
Equifax: 1-800-525-6285
www.equifax.com

Experian: 1-888-397-3742
www.experian.com

Transunion: 1-800-680-7289
www.transunion.com

Identity Theft Plan of Action

Call your credit card companies immediately. Explain what happened, and ask where to send a copy of the police report.
Call and report to the police. Make several copies of the police report.
Complete a Federal Trade Commission (FTC) Theft Affidavit and FTC report (see contact information above to request these forms).
Call your bank. They can place an alert on your Driver's License number and Social Security Number, and freeze your account.
Call fraud units of credit report agencies: Experian, Equifax, and Transunion.

Take the time to educate yourself on identity theft, and please don't hesitate to seek the help of professionals when needed. For more information, contact us today.

Disaster Preparedness, FEMA and More

Thu, 08 Sep 2011 20:48:13 GMT

If the unthinkable happens, Filer Insurance understands that your most valuable assets are more than just items on a balance sheet. That information is critical during a time of catastrophe.

Sites to Check Out
The following sites are additional resources to assist with preparing for and recovering from disaster.

American Red Cross
The American Red Cross not only provides disaster relief nationally, but is part of a global humanitarian network, responding to those in need.
Federal Emergency Management Agency (FEMA)
FEMA is an independent agency of the federal government, which provides preparedness and response and recovery support to the nation.
National Oceanic & Atmospheric Administration (NOAA)
NOAA is a federal agency and the primary source of weather data and warnings for the United States.
U.S. Small Business Administration
The SBA is an independent agency of the federal government that aids, counsels, assists and protects the interests of small business concerns.

Frequently Asked Questions about FEMA

What if I don't have enough (or any) insurance?
You may qualify for grants from FEMA, low-interest loans from the Small Business Administration, or the Farm Service Agency, or you may qualify for tax refunds for items that were not covered by insurance.

How do I get assistance?
Information on tax assistance, grants and loans can be obtained at a Disaster Recovery Center, or by calling FEMA at 1-800-462-9029. After your application is reviewed, the damaged property is inspected to verify the loss, and that will determine the type and extent of assistance that will be provided. Audits are done later to ensure that the aid goes only to those who are eligible and that the funds are used for their intended purposes.

What services are available?
FEMA may be able to provide Disaster Housing for up to 18 months, Low Interest Disaster Loans (from the SBA) to cover uninsured property losses, Disaster Grants to earthquake victims who would be unable to repay a loan, and other services such as crises counseling, unemployment assistance, legal aid, and assistance with income tax implications.

When should I apply?
FEMA encourages earthquake victims to apply for aid as soon as possible. The deadline for most individual assistance programs is 60 days following the Presidents major disaster declaration.

What assistance is available from the SBA?
The SBA has a Disaster Loan program that helps homeowners, renters, businesses of all sizes, and nonprofit organizations fund rebuilding after a disaster. The loans generally have low interest rates and long repayment terms to make SBA recovery more affordable.

What if I need more information?
More information is available by visiting FEMA's website at www.fema.gov, and by visiting the SBA website at www.sba.gov. Additionally, you can also contact the IRS about tax relief by calling 1-800-829-1040, or visiting www.irs.gov.

For more advice on protecting things that matter to you most through Washington car insurance, home insurance and more, contact us today.

Saving Money on Classic Car Insurance in Washington

Mon, 01 Aug 2011 12:52:27 GMT

How much you pay for insurance depends on many factors. Following the suggestions below may help you lower the cost of your classic car or collector vehicle insurance in Washington.

Before you buy
If you’re thinking of buying a classic car or antique automobile, check with us to inquire what it will cost to insure. Usually expensive vehicles cost more to repair, maintain and insure.
Insure with one company
The more policies you have with one insurance company, whether it’s for your cars or home, the more substantial savings you may receive. Call us to find out what you might save.
Increase your deductible
Raising the amount you pay out-of-pocket for losses can help you save more on your policy.
Safety saves
A clean driving record can potentially lower your insurance rates.
Manage your account online
Not only will managing your payments online save you time and hassle, but your payment will be made automatically. Think: worry free.
- Have your monthly premium deducted from your checking account (paperless).
- Pay your entire insurance premium in full by check or credit card.

Find out if your insurance company accepts online payments.

Check with us to find out more about your classic car insurance options.

And ask us about additional coverage options for vehicles (auto and RV) on your auto policy – including rental, roadside assistance, new vehicle replacement and more. Have greater protection and peace of mind knowing that you are better prepared for the unexpected.

To find out more, contact us for will with your specific Washington classic car insurance needs.

More Than a Tarp to Keep Your Boat Covered

Fri, 01 Jul 2011 23:48:04 GMT

Whether you own a Jet Ski, a small ski boat, fishing boat, or a 26 foot cruiser, knowing that you’re covered by the right insurance should give you the peace of mind to relax and enjoy every minute on the water.

What We Insure

We represent insurance companies that insure a full range of recreational boats including:

Bass boats
Fish and ski
Cabin cuisers
Sailboats
Pontoons
Jet boats
Ski boats
Runabouts
Jon boats
Personal watercraft

Why Insure Your Boat or Personal Watercraft?

In tough economic times some boaters are tempted to let their insurance coverages lapse. Should you ever need to use your watercraft insurance, however, it is one of the best investments you could make. Here are some things to consider:

If you’re in an accident or your watercraft is stolen, it costs money, often a lot, to fix or replace it.
If you or any passengers are hurt in an accident, medical costs can be extremely expensive.
If your watercraft is responsible for damage or injury to others, you may be sued for much more than you’re worth.
If you are injured by an uninsured boater, uninsured watercraft coverage will provide coverage for you.

Your Watercraft Insurance Coverage Options

Your watercraft needs protection on the water, and on land, with coverage for you, your guests, and your boat. Thinking of buying a boat? Check with us to see what it will cost to insure it in Washington.

Get Started

Contact us for help identifying the best combination of coverage, value, and price for you. And we can help make sure your insurance continually meets your changing needs.

Ask Us

Here are a few things to discuss when we talk:

Is my boat or watercraft covered for year-round use?
Can I get discounts for things such as taking safety classes, having multiple policies, and diesel power?
Do I have coverage if I need to have my boat towed in an emergency?

Contact Us!

For further questions and assistance, please contact us or request a boat insurance quote online