NJ Archives - Page 2 of 3 - AC Marmo & Sons, Inc.

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:

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.
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.
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.
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.
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.
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.
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.
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.
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.
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.

June 19, 2024/by A.C. Marmo & Sons

Auto Insurance

Auto Insurers Contend With Rising Auto Costs

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/

May 14, 2024/by A.C. Marmo & Sons

Blog, Tips

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.

April 16, 2024/by A.C. Marmo & Sons

Safety, Tips

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

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.

March 14, 2024/by A.C. Marmo & Sons

Safety, Tips, Uncategorized

AC Marmo & Sons, Inc. LOVES 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

you 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

February 7, 2024/by A.C. Marmo & Sons

Safety, 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.

January 15, 2024/by A.C. Marmo & Sons

Tips

Mastering Your Ceiling Fan: Seasonal Comfort Hacks

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.

December 7, 2023/by A.C. Marmo & Sons

Blog

Why It’s Important to Replace Your Roof for Your Homeowners Insurance

Whether it’s raining, hailing, or windy outside, your roof takes the brunt of all the harsh elements. However, if your roof has been neglected and isn’t in tip-top shape when bad weather hits, then you could be putting your home at risk for leaks or other potential severe damage. If your roof is old, faulty, or on its last leg, your home may be categorized as high risk. This also means you may be paying a higher premium for your policy. Here, we’ll review what’s typically covered for roof damages and why a new roof could decrease your homeowners insurance.

Keeping your roof well-maintained is a general best practice to avoid extensive repairs or premature replacements of your roof. Typically, insurance policies may cover the following roof damages:

• Rain

• Hail

• Wind

• Fire

• Fallen objects

• Hurricanes

• Tornadoes

Some insurance companies will provide discounts to homeowners after they’ve installed a new roof. An asphalt shingle roof that’s 15 years old is more prone to leaks simply due to the fact that it’s near the end of its lifespan and has taken the brunt of 15 years of weather. For this reason, older roofs can be categorized as high-risk since homeowners are more likely to file a claim for damage, which results in a higher insurance premium.

On the other hand, a newer roof is less likely to be susceptible to weather damage simply due to the fact that it’s new. Different states and different insurance companies have their own discounts for new roofs, so you’ll want to consult with your insurance agent to determine how much of a discount you can receive as each insurance company has its own set of requirements for what qualifies for a new-roof discount.

Getting homeowners insurance will allow you to protect your home in the case of unexpected damages during storms or inclement weather. However, the price of protection can be hefty if you have an older roof. Some insurance companies will offer discounts for new roofs simply because it’s a new roof that hasn’t taken the brunt of ever-changing weather. In addition, some insurance companies will offer discounts for impact-resistant roofs. Fortunately, new technological advances in the roofing industry have allowed manufacturers to develop roofs that can withstand high winds, are resistant to moisture-related growth, and are resistant to impact from falling tree branches. Contact (Agency Name) at (phone number) or visit our website at (homeowners insurance link) to see how your homeowners insurance policy is affected if you decide it’s time to get a new roof.

Source: https://www.stateroofing.com/blog/roofing/why-a-new-roof-will-decrease-your-homeowners-insurance/

January 6, 2023/by A.C. Marmo & Sons

Insurance

Safe Driving in Winter Weather

Millions of Americans will be traveling this holiday season, and if it’s anything like previous years, a lot of that travel will be on the road. Last year, AAA estimated that more than 100 million Americans were planning a trip of more than 50 miles during the holidays and that was just between Dec. 23 and Jan. 1.

Of course, winter weather creates a unique set of challenges on local roadways, too. So even if you’re not headed out of town, these safety tips can help you make it through the season safely.

Make sure your car is ready

Before winter arrives, and before any long trip, give your car a thorough check-up. Do wipers need to be replaced? Are your fluid levels where they should be? How are the radiator and cooling system?

If you live in an area (or visit one often) where temperatures regularly drop below 45 degrees, it’s a good idea to get a set of winter tires-they’re better suited for the cold than all-season tires, because they’re designed to provide the best traction and handling in ice and snow. Whatever you’re driving on, however, make sure your tires are inflated properly and that they have enough tread.

Your car should have an emergency kit, too. Pack it with jumper cables, blankets, a first-aid kit, flares, food and water, a flashlight, and other safety gear. A shovel and cat litter or sand are nice to have as well; they can provide traction should you get stuck.

Before you leave

If you’re going on a trip, make sure you check weather conditions along your route and take printed maps-you might not always have cell reception. Let someone know your itinerary so that if you don’t arrive on time, officials know where to look for you.

Every time you drive somewhere, even if it’s just a quick trip to the store, clear snow and ice off your car; it can be a hazard to other drivers. And don’t forget to clear your headlights and other lights.

When you’re on the road

Are roads snowy or icy? Take it slow. Take it slow. Take it slow. Give yourself extra time to get to your destination, and make sure you leave extra room between your vehicle and others. Watch for ice patches on bridges, overpasses, and shady spots. And remember, having four-wheel or all-wheel drive does not mean your car will stop (or steer) better on ice.

If you’re caught in a storm that seems like it’s too much for you to handle, seek refuge as soon as you can. Sometimes it’s best not to drive in snow and ice at all if it looks bad out there, stay home if possible.

If your vehicle becomes disabled or you get in an accident

Car trouble and accidents affect thousands of people every winter. If your vehicle is disabled, be sure to stay with it. Run your engine and heater for short intervals, and open one of your windows slightly to prevent carbon monoxide build-up. Light two flares (remember that vehicle emergency kit? Now’s the time to use it) and place one a safe distance from both the front and rear of your vehicle. Note your location with mileposts, exit numbers or cross streets and call the authorities or a tow truck.

If you’re in a crash, be careful-the aftermath of a car accident can be dangerous, especially in winter when visibility might be reduced and conditions might be slick. Check everyone involved for injuries and call 911 if necessary. After minor accidents, have everyone pull well off the road. Put out flares and turn on your hazard lights.

When you can’t move your car, stay inside unless traffic is completely clear. It’s far better for another vehicle to hit your car, even with you in it, than to hit you directly.

Wherever you may be headed this winter, we hope you enjoy the season with friends and family. Here’s to a healthy and happy holiday!

Source: https://www.safeco.com/blog/safe-winter-driving

December 21, 2022/by A.C. Marmo & Sons

Blog

Rideshare Insurance for Uber and Lyft Drivers

On average, the roughly 1.5 million to 2 million people in the U.S. who drive for both Uber and Lyft earn $18.15 an hour before expenses. Just one car accident, though, could easily eat up that money—and more. That’s why Uber and Lyft drivers likely need separate rideshare insurance to supplement both personal auto insurance and the coverage that’s automatically provided by rideshare companies. A driver’s financial stability could ride on whether they’ve got rideshare insurance.

To understand the insurance for rideshare driving, it’s important to know the three phases while a rideshare app is on:

1. Available: The driver is available to pick up a passenger.

2. En route: The driver has accepted a ride and is on the way to pick up the passenger.

3. On the trip: The driver has picked up the passenger and is on the way to the passenger’s destination.

When an Uber or Lyft driver’s rideshare app is off, their personal auto insurance applies. But when the app is on, Uber and Lyft provide some coverage on the driver’s behalf. Personal auto coverage typically excludes rideshare trips. That’s because your auto insurance company has priced the policy assuming you’re driving yourself, relatives and/or friends, and that you aren’t earning money from private trips and putting a lot of extra miles on your car.

As a result, a rideshare driver’s personal auto policy typically won’t supply coverage while you’re making rideshare trips. A rideshare driver might be happy with the insurance provided by the rideshare company, especially if the driver carries only the minimum personal auto insurance required by the state. In those cases, a million dollars in liability coverage from Uber can look like a major bonus.

But, there can still be gaps, which is where rideshare insurance comes in. For example, rideshare companies don’t provide collision or comprehensive insurance when the app is on and the driver is waiting for a ride request. And a personal auto policy that includes collision and comprehensive likely won’t cover that period. So, if you accidentally back into a pole, you’d have no insurance for the damage. Without additional rideshare coverage from their personal auto insurer, drivers may find their existing coverage may not apply to a loss that occurs while they are acting as a rideshare driver.

We can provide coverage from many insurance carriers so you receive the insurance for your budget and needs!

Source: https://www.forbes.com/advisor/car-insurance/rideshare-insurance/

October 6, 2022/by A.C. Marmo & Sons

Posts

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

Auto Insurers Contend With Rising Auto Costs

Common Roofing Problems and Their Solutions

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

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

Hypothermia – Prevention Tips

Mastering Your Ceiling Fan: Seasonal Comfort Hacks

Why It’s Important to Replace Your Roof for Your Homeowners Insurance

Safe Driving in Winter Weather

Rideshare Insurance for Uber and Lyft Drivers

A.C. Marmo & Sons, Inc.

Personal Insurance

Business Insurance

Health & Life Insurance

About

Blog