Archive | July, 2013

Is Rental Property Hot Tub Safe For Tenants?

Preteen Soaking

Since it’s Pool Safety Week, we wanted to continue on this theme for this week’s blog. And we’ve decided to talk about a swimming pool’s little sibling: The hot tub. Most homes that have a swimming pool also have a hot tub, especially here in California. And then there’s those homes that don’t have room for a pool, so they install a nice hot tub in the backyard instead.

A customer asked us this question recently, and we thought it would be great to share with everyone: Continue Reading →

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It’s Pool Safety Week: BMR Insurance’s Top Tips

girl in the swimming pool

With summer aquatic fun in full gear, we at BMR would like to highlight Pool Safely Week 2013. The U.S. Consumer Product Safety Commission (CPSC) put together this public awareness campaign, which runs from July 28 to August 3, to teach the tenets of basic swimming safety at area pools, water parks and other aquatic facilities.

The CPSC has created a list of “Simple Steps to Save Lives” that include critical methods to teach parents and other caregivers alertness and water skills. They include the following recommendations: Continue Reading →

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Are You Covered for Flooding?

Laguna Beach’s Main Beach boardwalk was completely wiped out by flash flooding in December 2010.

Most of the time, when homeowners think of floods, they think of rushing water from overflowing gutters and streets during storms, hurricanes and heavy rainfall. You may be one of these homeowners, and think that California doesn’t get this kind of weather. For instance: We called that a “storm” yesterday? One day of rain in Orange County and we start getting freaked out?

Flash flooding happens more than you think. It took Laguna Beach almost eight months to replace the Main Beach boardwalk that was destroyed by last year’s Christmastime flooding. The transformation of a tranquil river or normally dry wash into a destructive flood occurs hundreds of times each year, in every part of the United States. Every year, floods drive some 75,000 Americans from their homes; on the average, 127 persons are killed each year. These destructive overflows have caused property damage in some years estimated at more than $2 billion. During the years 1985–2001, the total annual number of floods or flash floods ranged from 361 (1988) to 3,376 in 1998. A total of 32,047 flash flood/flood events were recorded in 1985–2001.

In fact, the water table is extremely high in Tustin, which is why there was so much farming in the area before Orange County became so built up. In 1928, locals jokingly called the area that now has the huge hangars the “Frog Swamp” because the soil was always moist! That means that when the rainfall in Tustin starts being measured in inches, the water has nowhere to go, and flooding will occur.

But the biggest mistake that homeowners make is thinking that flooding only happens with inclement weather. Not so—take one of our clients who left for Texas on a two-week business trip. While they were gone, a pipe burst on the second floor of their home on day six of their trip. It was days later by the time that the neighbor saw the running water and called for assistance. Within one day of their return home, the entire house has been gutted, leaving just a shell. All of the family’s belongings were destroyed and had to be removed. There was black mold from floor to roof.

This was a disastrous accident for this homeowner, but luckily they had purchased flood insurance from us. Can you imagine the financial cost of replacing your whole house of furniture, belongings, electronics, especially in this economy? What about the things that are irreplaceable, like photos and family heirlooms?

Let us be clear: Flooding is NOT usually covered in normal homeowners’ insurance! Don’t delay in making sure you are covered for the next storm to hit, or the next plumbing problem.

Are you covered for water damage in your home, from any kind of flooding? Don’t lose everything—call BMR Insurance Agency now to review your insurance coverage to make sure an accident doesn’t turn into a tragedy. Call (714) 838-1911 to arrange a free insurance review, or use our online form.

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Important Boating Insurance Basics for Summer Fun

Yellow Yacht

Summertime is best spent outdoors, and July in sunny Southern California means plenty of opportunities to take a boat out on the ocean or one of our many lakes. But before you launch, consider the implications of not having adequate boat insurance. California does not require boat owners to carry insurance, but the rules from state to state vary, and there are many benefits to having coverage. Continue Reading →

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Ways to Save on Insurance Premiums

freeimage-8463872-webAt BMR Insurance Agency, all of our agents love to help you save money. Why? Because we are people too! We know what it’s like to have a few extra bucks at the end of the month to treat yourself, rather than spending it on something that may be necessary, but doesn’t give you an immediate benefit.

So we’ve put together some interesting and little-used ways of getting some discounts on your car insurance and homeowners insurance. Check out these ways to save on insurance premiums, and see if you can save! Continue Reading →

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How to Avoid Insurance Claims on Fourth of July

freeimage-788896-webWith nine Orange County cities (Buena Park, Costa Mesa, Fullerton, Garden Grove, Huntington Beach, Santa Ana, Stanton, Villa Park and Westminster) selling “Safe and Sane” fireworks this year, it’s important to review some of the most common claims that occur around this holiday. Here’s BMR Insurance Agency’s tips on how to avoid insurance claims on Fourth of July.

Injuries from fireworks: The best way to avoid a trip to the urgent care or emergency room this Fourth of July (or a surprise home fire) is to leave the fireworks to professional handlers. Approximately 8,500 people end up in emergency rooms each year due to injuries from fireworks, the US Consumer Product Safety Commission reported. Continue Reading →

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