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Summer Travel Safety: Tips for Staying Safe and Secure While Traveling

Young,Girl,With,Suitcase,Down,The,Escalator.

Summer is a popular time for travel, whether it’s a road trip, a beach vacation, or an international adventure. It’s important to prioritize safety and security during your travels to ensure a smooth and enjoyable trip. Here are some tips for staying safe and secure while traveling during the summer:

  1. Plan and research: Before you travel, research your destination thoroughly. Understand the local laws, customs, and cultural norms. Familiarize yourself with the local emergency services and know the location of the nearest embassy or consulate if you are traveling internationally. Make sure to have a copy of your passport, visa, and important documents stored securely, either online or in a separate location from your originals.
  2. Secure your belongings: Keep your belongings safe by using lockable luggage, and avoid displaying expensive jewelry or electronics that may attract unwanted attention. Use hotel safes or lockboxes to store valuables when not in use. Avoid leaving your belongings unattended in public areas, and be cautious of pickpockets and thieves in crowded tourist areas.
  3. Stay connected: Ensure that you have a reliable means of communication during your travels. Have a working phone with local SIM cards or international roaming, or use Wi-Fi for internet access. Share your itinerary and contact information with a trusted friend or family member, and check in with them regularly. Keep important phone numbers, such as emergency services and your embassy/consulate, saved in your phone or written down.
  4. Transportation safety: If you’re renting a car, make sure it’s in good condition and follow all traffic laws. Use reputable transportation options such as registered taxis or ride-sharing services. Be cautious when using public transportation, especially at night or in unfamiliar areas. Avoid hitchhiking or accepting rides from strangers.
  5. Be cautious with strangers: Be cautious when interacting with strangers, especially in unfamiliar surroundings. Avoid sharing personal information with strangers and be wary of unsolicited offers or invitations. Use your judgment and trust your instincts.
  6. Stay in well-populated areas: Stick to well-populated and well-lit areas, especially at night. Avoid sketchy or dangerous areas, and be aware of your surroundings at all times. Stay in reputable accommodations and avoid poorly lit or deserted areas.
  7. Protect against the sun: Protect yourself from the sun by wearing sunscreen, hats, and sunglasses, and seek shade during the hottest parts of the day. Stay hydrated by drinking plenty of water, especially in hot climates.
  8. Practice safe water activities: If you’re engaging in water activities such as swimming, snorkeling, or boating, make sure to follow safety guidelines, use proper equipment, and be aware of local conditions such as currents, tides, and marine life. Follow all safety instructions provided by tour operators or local authorities.
  9. Stay updated with travel advisories: Stay updated with travel advisories and warnings from your government or relevant authorities. Be aware of any travel restrictions, health alerts, or safety concerns in your destination and take necessary precautions.
  10. Have an emergency plan: Have an emergency plan in place, including knowing the location of the nearest hospital, embassy/consulate, and emergency services. Familiarize yourself with local emergency numbers and know how to ask for help in the local language.

Remember that safety should always be a top priority while traveling. By being prepared, vigilant, and using common sense, you can have a safe and enjoyable summer travel experience.

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Auto Insurers Contend With Rising Auto Costs

Auto Insurance

Auto premiums continue to increase as rising labor and material prices, alongside natural disasters, are forcing insurers to contend with significant losses.

As Triple-I previously found in its January report, Insurance Economics and Underwriting Projections: A Forward View, “commercial auto underwriting losses continue, with a projected 2023 net combined ratio of 110.2, the highest since 2017,” according to Jason B. Kurtz, FCAS, MAAA, a Principal and Consulting Actuary at Milliman. Combined ratio is a standard measure of underwriting profitability, in which a result below 100 represents a profit and one above 100 represents a loss.

Insurers are now having to increase rates in response to losses that are expected to keep rising.

“Nobody wants to have that higher-price bill,” said Sean Kevelighan, Triple-I’s CEO. However, he added companies “need to price insurance according to the risk level that’s out there.”

While inflation is partially to blame for these increases, natural disasters are also contributing to rising costs—and not only in traditionally disaster-prone areas like Florida and California.

As the overall P&C industry has struggled with severe convective storms, hurricanes, and other natural disasters, these losses have also been felt in commercial auto. In fact, 2023 witnessed around two dozen U.S. storms, each with losses of around a billion dollars or more. This included major lightning, hail, and damaging winds around many areas of the U.S.

“While a lot of these storms don’t make national headlines, they do tend to be very costly at the local level,” says Tim Zawacki, principal research analyst for insurance at S&P Global Market Intelligence. “And the breadth of where these storms are occurring is something that I think the industry is quite concerned about.”

While disasters and economic inflation continue to roil commercial auto, so too does social inflation. As the Triple-I previously reported, “social inflation,” which is the presence of inflation in excess of economic inflation, has also significantly contributed to increases in commercial auto premiums.

Triple-I found that “from 2013 to 2022, increasing inflation drove losses up by between $35 billion and $44 billion, or between 19 percent and 24 percent. The pandemic brought significant change to commercial auto liability, decreasing claim frequency while increasing claim severity more dramatically.”

This increased claim severity is at least partially due to changing driving patterns since the pandemic, including distracted driving, which involves behaviors like cellphone use while behind the wheel. A Triple-I Issues Brief, Distracted Driving: State of the Risk, enumerated these concerns, which have undoubtedly played a role in rising commercial auto premiums.

Indeed, a confluence of issues are playing into rising auto premiums. While natural disasters are out of the control of insurance providers and their policyholders, other factors must be addressed to steady the cost of this line of insurance. This includes telematics and usage-based insurance, which has gained more acceptance since the pandemic.

Still, it is incumbent on insurers, policyholders, and policymakers to create a more sustainable market for auto insurance, working together to tackle the challenges of both climate risk and dangerous driving behavior.

Source: https://insuranceindustryblog.iii.org/category/auto-insurance/

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Common Roofing Problems and Their Solutions

Aerial,View,Of,Roof,Work,Done,On,A,Home.

Your roof is your home’s first line of defense against the elements, and it’s essential to keep it in good condition to ensure the safety and longevity of your property. Over time, various roofing problems can arise, but the good news is that most of these issues can be addressed with timely repairs. In this blog post, we will discuss some of the most common roofing problems homeowners encounter and the solutions to resolve them effectively.

Leaky Roof:

  • Problem: Water leaks are a common issue, often caused by damaged or missing shingles, deteriorated flashing, or worn-out sealants.
  • Solution: Identifying the source of the leak and promptly repairing or replacing damaged roofing materials can resolve this issue. Regular inspections and maintenance are key to preventing leaks.

Shingle Damage:

  • Problem: Shingle problems, such as curling, cracking, or missing shingles, can leave your roof vulnerable to water infiltration.
  • Solution: Replacing damaged or missing shingles and addressing the underlying causes, such as poor ventilation or inadequate attic insulation, can restore the roof’s integrity.

Moss and Algae Growth:

  • Problem: Moss and algae can grow on your roof, causing aesthetic issues and potential damage.
  • Solution: Cleaning your roof and applying treatments to prevent regrowth can help maintain its appearance and longevity.

Ice Dams:

  • Problem: In colder climates, ice dams can form on your roof’s edge, leading to water backup and potential leaks.
  • Solution: Proper insulation, ventilation, and regular maintenance can prevent ice dams. Additionally, removing snow buildup from your roof can help mitigate the risk.

Roof Ventilation Issues:

  • Problem: Poor ventilation can lead to temperature imbalances, moisture buildup, and premature aging of roofing materials.
  • Solution: Ensuring proper roof ventilation through vents and soffits can maintain a consistent temperature and humidity level in your attic, extending the life of your roof.

Flashing Problems:

  • Problem: Damaged or improperly installed flashing around chimneys, vents, and skylights can allow water to seep in.
  • Solution: Replacing damaged flashing and ensuring proper installation is crucial to preventing leaks in these vulnerable areas.

Sagging Roof:

  • Problem: A sagging roof may indicate structural issues that require immediate attention.
  • Solution: Consulting a professional roofing contractor is essential to assess and address any structural problems, which may involve reinforcing or replacing support beams.

Gutter Clogs:

  • Problem: Clogged gutters can lead to water overflow, damaging the roof and causing foundation issues.
  • Solution: Regular gutter cleaning and maintenance can prevent clogs and ensure proper drainage.

Regular roof inspections and maintenance are vital for identifying and addressing common roofing problems before they escalate. Whether it’s a minor repair or a more extensive renovation, acting promptly can extend the life of your roof and protect your home from costly damage. If you encounter any of these issues, don’t hesitate to consult a professional roofing contractor for expert solutions.

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The Sobering Stats: Drunk Driving and Its Impact on Insurance Premiums

The_Sobering_Stats

Drunk driving is a pervasive issue that not only poses significant risks to road safety but also has lasting consequences on individuals’ financial well-being. The following show sobering statistics of drunk driving and how they correlate with increases in auto insurance premiums.

The Alarming Statistics
The numbers are stark and alarming. According to the National Highway Traffic Safety Administration (NHTSA), alcohol-impaired driving contributes to a considerable portion of road accidents. In recent years, nearly 10,000 people lost their lives in crashes involving alcohol-impaired drivers, accounting for nearly 28% of all traffic-related fatalities.

Impact on Insurance Premiums
For those caught driving under the influence, the financial impact goes beyond legal fines and court fees. Insurance premiums take a substantial hit. On average, a DUI conviction can result in a staggering 80% increase in auto insurance premiums. This spike in costs is attributed to the heightened risk that insurers associate with drivers who have a history of impaired driving.

Risk Assessment by Insurers
Insurance providers meticulously assess risk when determining premiums. A driver with a DUI is statistically considered a high-risk individual due to the increased likelihood of accidents and claims. This risk assessment translates directly into higher insurance premiums, reflecting the potential financial exposure that comes with covering a driver prone to impaired decision-making behind the wheel.

Regional Variances
Statistics also highlight regional variations in the prevalence of drunk driving and its impact on insurance premiums. States with stricter DUI penalties and enforcement tend to have lower instances of drunk driving accidents and may see comparatively lower insurance premium increases for those convicted.

Age and Gender Disparities
Studies show that certain demographic factors, such as age and gender, play a role in drunk driving statistics. Younger drivers and males are more likely to engage in risky behavior, including driving under the influence. Consequently, this demographic may experience more substantial increases in insurance premiums following a DUI conviction.

Repeat Offenders
Another concerning statistic is the rate of repeat DUI offenses. A significant number of individuals who have been convicted of driving under the influence continue to engage in risky behavior. Repeat offenses not only result in more severe legal consequences but also lead to higher insurance premiums, as insurers perceive an elevated level of risk.

The statistics surrounding drunk driving and its impact on insurance premiums underscore the importance of responsible decision-making behind the wheel. The financial ramifications of a DUI go beyond the initial legal penalties, affecting individuals’ ability to secure affordable auto insurance for years. By understanding these statistics, individuals can make informed choices, prioritize responsible driving, and contribute to safer roads for everyone.

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AC Marmo & Sons, Inc. LOVES Insuring Your Life!

Insuring_your_life

Life is the most precious gift, and we love insuring yours! AC Marmo & Sons, Inc. values every single one of our loyal clients, and this month, we are sending you love and gratitude for welcoming us into your families and homes. It is our pleasure and honor to provide you with protection and assurance in these times of uncertainty. Some of the most impactful services we proudly provide are:

Auto Insurance
Homeowners Insurance
Flood Insurance
Commercial Auto Insurance
Workers Compensation Insurance

love_insuring_lifeyou have questions, we would love to answer them! If you have concerns, we would love to address them! We love insuring you – and all the things that come along with it! Get to know us better at AC Marmo & Sons, Inc., and let us give you the support and protection you so very much deserve!

https://www.acmarmo.com/ Fairfield Office (973) 340-9100 Lavallette Office (732) 793-7530 Fairfield Location: 350 Passaic Avenue PO Box 11115 Fairfield, NJ 07004 Lavallette Location:1605 Grand Central Avenue, Suite #3 Lavallette, New Jersey 08735

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Hypothermia – Prevention Tips

Hypothermia_-_Prevention_Tips

Preventing hypothermia is important because it can be a life-threatening condition. Hypothermia occurs when your body loses heat faster than it can produce it, causing your core body temperature to drop below the normal range (around 98.6°F or 37°C).  Preventing hypothermia involves taking measures to stay warm, dry, and protected in cold environments. Take proactive steps to avoid hypothermia.

 

Dress in Layers

  • Wear multiple layers of clothing to trap warm air close to your body.
  • Use moisture-wicking base layers to keep sweat away from your skin.

 

Stay Dry

  • Wet clothing can significantly increase the risk of hypothermia. Ensure your outer layer is waterproof or water-resistant.
  • Change into dry clothes if you get wet.

 

Protect Extremities

  • Wear gloves, hats, and warm socks to protect your hands, head, and feet.
  • These areas are prone to heat loss, so keeping them covered is crucial.

 

Stay Active

  • Physical activity generates body heat. Keep moving to maintain warmth.
  • Avoid long periods of inactivity in cold conditions.

 

Seek Shelter

  • If you’re in a cold environment, find or create shelter to protect yourself from wind and precipitation.

 

Stay Hydrated and Well-Fed

  • Dehydration and lack of food can make your body more susceptible to hypothermia. Stay nourished and hydrated.

 

Know the Signs

  • Be aware of the symptoms of hypothermia, such as shivering, confusion, slurred speech, and fatigue. Seek medical help if you notice these signs.

 

Avoid Alcohol and Tobacco

  • Alcohol can cause your body to lose heat more quickly, and tobacco can restrict blood flow. Avoid these substances in cold environments.

 

Stay Informed

  • Be aware of weather conditions and plan accordingly. Check forecasts before heading out, and be prepared for changing conditions.

 

Remember that the severity of hypothermia can vary, and individual susceptibility may depend on factors such as age, health condition, and environmental conditions. Taking preventive measures is essential for maintaining overall well-being and reducing the risk of serious health complications associated with hypothermia.

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Mastering Your Ceiling Fan: Seasonal Comfort Hacks

Ceiling,Fan,,Indoors

Ceiling fans are not only functional but also play a significant role in maintaining comfort and energy efficiency in our homes. Depending on the season, the direction in which your ceiling fan blades spin can make a significant difference in the way you feel and your energy bills. In this blog, we’ll explore the optimal ceiling fan settings for both summer and winter to help you make the most of this essential home appliance.

Summer: Cooling Down

During the sweltering summer months, the primary goal is to keep your living spaces cooler without cranking up the air conditioning and running up your electricity bill. To achieve this, your ceiling fan should spin counterclockwise when looking up at it from below. Here’s why:

  • Creating a Wind Chill Effect: Counterclockwise rotation pushes air downwards, creating a wind chill effect. This makes you feel cooler by increasing the evaporation of sweat on your skin, effectively lowering your perceived temperature.
  • Enhancing Air Circulation: The downward airflow helps circulate air throughout the room, distributing cool air more evenly and preventing hot spots.
  • Reducing Energy Costs: By using your ceiling fan in conjunction with your air conditioner, you can set your thermostat a few degrees higher, which can significantly reduce your cooling costs.

Winter: Warming Up

In the colder winter months, the goal is to keep your living spaces warm without overworking your heating system. To achieve this, your ceiling fan should spin clockwise when looking up at it from below. Here’s why:

  • Even Heat Distribution: Clockwise rotation gently draws air upwards and forces the warm air that naturally rises to circulate back down into the room. This helps to even out temperature variations and eliminate cold drafts.
  • Reduced Heating Costs: By redistributing warm air more effectively, you can set your thermostat a few degrees lower while maintaining the same level of comfort, ultimately saving on heating costs.
  • Preventing Stagnant Air: Running the fan in the winter also helps prevent stagnant air and keeps the room feeling fresher and more comfortable.

Adjusting Your Ceiling Fan

Switching the direction of your ceiling fan is typically done through a switch on the fan’s motor housing. Some newer models even come with remote controls, making it easy to change the fan’s direction at the push of a button.

Remember to turn off the fan before adjusting its direction to avoid damaging the motor or blades. Once the season changes, simply reverse the direction to match the recommended settings.

Ceiling fans are versatile and valuable assets for maintaining comfort and reducing energy costs in your home. By adjusting the direction of your ceiling fan blades according to the season, you can maximize its benefits. During the summer, set it to counterclockwise to cool down, and in the winter, set it to clockwise to warm up. This simple adjustment can help you stay comfortable year-round while saving on your energy bills.

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Summer Safety Tips with Kids!

Sunscreen

Summer is the season for sunscreen! When the sun is out, everyone should be protecting their skin. The Skin Cancer Foundation has found that children who have gotten severe sunburns have higher chances of developing Melanoma. Melanoma is a type of skin cancer that occurs in about 200,000 people per year in the United States. The Skin Cancer Foundation recommends applying sunscreen with an SPF of at least 30. Sunscreen that protects against both UVA and UVB rays is the best.

Sunscreen should be applied every 30 minutes and skin should be dry before applying. Regardless of age and skin type, always apply sunscreen to you and your children.

Poison Ivy 

If your children are playing outside, make sure you and your children are aware of what poisonous plants look like. Let’s say a ball has been kicked into a grassy area and your child wants to retrieve it. Teach your child to check the area before walking through it. If they cannot tell or feel unsafe walking through the particular area, tell them to grab an adult.

If you or your children have been exposed to poison ivy, here are some symptoms of an on-coming rash:

  • Small bumps or hives
  • Itchy skin
  • Redness or red streaks
  • Blisters that drain fluid when popped

Not all symptoms are severe and need medical assistance. For minor cases, home remedies like cold showers will help the symptoms to dwindle. If home remedies are not working and the rash continues to spread, seek medical assistance as soon as possible.

Bicycles

Bicycle accidents are common among children in the summer, especially those just learning how to ride one. The Consumer Product and Safety Commission states that at least 300,000 children in the United States make a trip to the emergency room due to bike-related injuries.

The best way to keep your children safe on his or her bike is to make them wear protective gear, such as a helmet, knee pads and shoulder pads. If a child does get into a bicycle accident, minor injuries can be treatable at home. For major accidents, like those that result in broken bones, must seek medical help immediately.

Swim Safety

Summer is the best time for laying out by the pool and swimming all day! Whether it is a public pool or a private pool, the same rules apply to each. To ensure that your children are safe at any pool, go over the safety rules with them.

Many rules like no running and no diving in the shallow end apply to almost any pool. If your child is not a very good swimmer, provide a life jacket to ensure their head is always above water. If there are no lifeguards on duty, watch your children at all times or swim with them. If there are lifeguards, provide the right swim gear necessary!

Hydration

Make sure you and your children are drinking plenty of water when being outside. Dehydration can happen to anyone, especially children. It is important to eat and drink frequently throughout a summer day. Here are some symptoms of dehydration that everyone should be cautious of:

  • Fatigue
  • Dizziness
  • Irritability
  • Dry mouth
  • Excessive sweating
  • Dark yellow urine

Bee Stings

Bee stings are painful for anyone. Bees and insects are known for being practically everywhere during the summertime. Beehives can be located anywhere from trees to outside toys. Usually, hives are located in small areas where they are not always visible.

To make sure that your children are safe from getting a bee sting, check the area they are playing in for hives. Bug spray can help; however, it will not kill bees. In case of a bee sting, check if the stinger is not in the wound. Once removed, apply ice to relieve some pain and to shrink swelling. Once the area is less inflamed, wash the area and place a bandage if necessary. If your child is allergic to bee stings, seek medical assistance immediately.

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A.C. Marmo & Sons, Inc.

Fairfield Location:
350 Passaic Avenue
PO Box 11115
Fairfield, NJ 07004
973-340-9100

973-340-2254

info@acmarmo.com

Lavallette Location:
1605 Grand Central Avenue, Suite #3
Lavallette, New Jersey 08735
(732) 793-7530


(732) 733-7534

We are licensed in New York, New Jersey, and Pennsylvania.

Send us an email

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