Winter Floods

Winter flooding happens, too. Six quick answers about whether you need flood insurance:

  1. Homeowners Insurance does not cover flood. Damage to your home caused by rising water, ground water, etc. is EXCLUDED.
  2. You live on a hill. Flooding can be caused by major storms, but it can also be caused by melting snow, inadequate or clogged drainage systems, or failed water control devices such as dams and levees. Water flowing down from the top of the hill and running into your home is considered "flood".
  3. You live in a floodplain. That doesn't mean you can not purchase protection. As long as your community participates in the National Flood Insurance Program, you can purchase flood coverage, whether you live in a high risk area or a low risk one.
  4. You've already had one flood. That phrase "100-Year Flood" doesn't mean it only happens once every hundred years. It refers to an elevation that has a 1% chance of being equaled or exceeded each year.
  5. You don't live in a flood zone. I hate to tell you this, but you DO live in a flood zone. We all do. It's just a question of how high of a risk you face. Over 1/5 of the flood NFIP claims filed every year are from people who live in low-risk areas, and 1/3 of the disaster relief goes to low-risk areas, too.
  6. If there was a flood, FEMA would pay. That only works if the damage you sustain is caused by a DECLARED natural disaster. If your home is damaged because a culvert is blocked, or a water main ruptures just outside your home, FEMA will not be cutting you a check. Even if it is a declared natural disaster, FEMA will pay for only part of the damage, and may take years to settle.
Talk to your agent about flood insurance to get more information.


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When it's Time to Talk

It happens. The time comes when we look at our parents or siblings or family friends and realize that maybe they shouldn't be driving anymore.

How do you approach the subject? Giving up driving is giving up independence. That has to be a tremendously difficult decision to come to. Unfortunately, to protect both our loved ones and the public, the day may come when we'll have to have "The Talk".

Hartford offers an excellent guide to opening this painful discussion. If you would like us to email you a pdf version of the guide, please call today, or email us at info@weinsurepayson.com.

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Prevent Water Damage!

Water losses are one of the most commons causes of loss on homeowners policies with those companies that offer the coverage. Some companies exclude any kind of water loss. We're not talking about flood. We're talking about broken pipes, ruptured supply lines, overflowing appliances...the things that happen inside the home. Many insurance companies regard this type of loss as a preventable maintenance issue and they surcharge for such losses accordingly. Water losses can also be unexpectedly expensive, requiring the homeowner to lose the use of the home during drying out. Water leaks can cause damage to floor, sub-floor, drywall and any furniture in the area. They can also cause an environment in which harmful mold can grow.

Here are a few tips to help you prevent and/or mitigate water losses. Some of them are so easy, you'll probably slap your forehead and say, "Of course!"


  • Never run a load of laundry or the dishes when you're leaving the house, even just for a little while. This is actually one of the most common types of claims I have seen. Start the dishwasher and dash, and you may come home to a much bigger mess than a few dirty dishes.

braided steel toilet supply line

  • Check supply lines regularly. Don't skip any. Check the washing machine, dishwasher, faucets, toilets, water heater, R-O system, water softener and the icemaker on your refrigerator. Any hoses that are five years old or have a kink in them should be replaced. Save yourself a headache and spend a few dollars more for a better-quality stainless steel braided supply line.


  • water meter key
    angle stop
    Know where the water shut-off valve to your home is, and how to operate it. If it takes a water key, get one and keep it where you can find it in a hurry. Everyone in the home should know how to turn off the water to a device or appliance that is leaking. If the dishwasher or washing machine overflows, do you know where the valve is?

  • water heater pan
    Place your water heater and washing machine in pans that are plumbed to drain outside. You can get them at almost any home-improvement or plumbing supply store. (They also come in a square for your washing machine.)


  • 
    frost-free, anti-siphon hose bib
    
    Do you have freeze-proof hose bibs on the outside of your house? Those only work if you disconnect the hose, so they can drain out. If they freeze, they often break inside the wall, causing damage to your home. Disconnect all the garden hoses, dog drinkers and bib-mounted sprinkler timers during the freezing months. This is also true of the yard hydrant type of outdoor faucet, although a leak in one of those won't generally cause damage to your home, just a visit from a plumber.

  • Pay attention to any indications of a leak in your home's water pipes. Stains, buckling or even a spot that is unusually warm can be a sign.

  • Make sure your water pressure isn't too high. Water pressure over 100psi is hard on appliances like water heaters and can cause them to leak.

  • Don't ignore cracks in tile or grout in your shower, or cracks in the fiberglass of a tub or shower. Even that little bit of water seeping through can destroy the wooden structure underneath and around your bath.

  • Be aware of your normal household usage. If your water bill suddenly fluctuates for no apparant reason, investigate. One way to begin is to turn off every use of water in the house and yard, and monitor the meter for a couple of hours. If nothing should be using water, but the meter is still showing use, find out where the water is going.

  • If you're going to be gone for several days, turn the water supply to your house off. Why take the chance?

  • A little routine maintenance and advance planning can save you a lot of trouble later on. There are some terrific DIY websites and books out there to help you. It will be worth your time.


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Cool New Tool!

It's finally here! Central Insurance proudly announces their new apps for your smart phone--both i-phone and android apps are available.

To download your MyCentral app, you must have or set up an account using your regular computer at MyCentral (click here!). Then you can download the app to your smartphone.

The MyCentral App lets you pay your bill or check your balance, view your auto id card, sign up for e-bill, contact us, report a loss, get accident help and more. Download it today!

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Sunset in Nicaragua




by Scott Crabdree

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Sunrise in Nicaragua


by Scott Crabdree

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Ball of Caterpillars



by Scott Crabdree



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Why You Need Equipment Breakdown Coverage





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Big News for Smart Phone Users

BIG NEWS!! 

Effective August 2nd, Arizona law will allow you to present a picture of your auto insurance identification card on your SMART PHONE as acceptable proof of auto insurance. Of course, it's much easier on everyone if you just avoid getting pulled over. We are offering general information and opinions. Talk to your insurance professional for questions and concerns about your insurance policy.

Road Trip!



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WORTH YOUR TIME TO WATCH




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Auto Insurance for the Under-25 Crowd

Just because you're under 25 doesn't mean you have to get your insurance from a cartoon character.

There are some big names in insurance who will write a preferred policy for a younger driver who has 3 years of driving experience. Some companies will consider your parent's policy as prior insurance, as long as you were listed as a driver.

The benefit to having a preferred policy with a bigger insurance company is the fact that a bigger company can meet your changing needs. When you rent that nice apartment that requires renter's insurance, you may be able to place that with the same company and get a discount on both policies. Getting married? Starting a family? Moving across the country? Look for a company that can address your changing coverage requirements.

An independent agent can help you find the right company for where you are now...and where you plan to go. Can a cartoon help you with that?


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A step-by-step guide to removing your car from storage

A step-by-step guide to removing your car from storage

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Payson People: Carrie Backe


Tom and Carrie Backe.
Today I want to introduce you to one of Payson's cultural treasures: our own award-winning poet, Ms. Carrie Backe. I love getting to play "Barbara Walters".  Hopefully, I'll get better at the questions as I go along!

Carrie is a lovely and cherished person. Here she is with her dear husband, Tom. I don't know what that is that they're having for dinner; it looks like maybe Chicken Piccata or something, but it looks yummy. (I can tell what that is in her hand, though.)


Her answers are fun and inspiring, even if my questions are a bit prosaic!

Q: If you could invite three poets to dinner, who would you ask?  A: If I could invite three poets to dinner they would be Ofelia Zepeda, a well-known Tucson poet, Emily Dickinson, and any one of the ancient Japanese haiku artists.  Their closeness to nature inspires me every day.  I imagine they would all get along, too!

Q: What is something you always wished you could do, but have never learned? A:
The one thing I have always wanted to be able to do, but don’t have the talent for, is play the piano.  My favorite jokes about that are “I can’t carry a tune in a bucket,” and “The only thing I can play is the radio.”

Q: When did you first discover that you enjoyed writing poems? A: When I was 10 or so I wrote a (very bad!) poem.  But, it rhymed, and I was proud of that.  As I grew up, I learned the beauty of poetry, especially in the economy of words.  That’s why I love haiku—such discipline, such structure.  A handful of syllables can tell a whole story, evoke a torrent of images and memories.  Nature is so changeable—in tiny ways each day, in catastrophic ways every so often.  That’s why we need to pay attention, and not take nature for granted—always.

Most of my inspiration for poems comes from nature or from death and dying.  We humans are part of nature.  We all have our life cycles, just like the trees.  It is good for us to understand that we’re all in the same situation.

Q: If someone wrote a biography of your life, would it be an adventure story? A love story? A comedy?  A thriller? Or something else? A: If someone wrote a biography of my life, it would be set up as a choose-your-own-adventure book.  Those books used to be popular with kids a number of years ago.  Every few pages of an adventure story the reader would decide the direction of the story—go left or right; pick up the sword, don’t pick up the sword.  We all live our lives like that.  If I’d made a tiny decision differently years ago, I might now be living in a penthouse in Paris, or on a ranch in Wyoming.  Who knows!

Q: Did you ever have an especially unusual inspiration for a poem? A: One of my favorite poems was inspired while driving through a particularly dry and desolated desert-like area of Wyoming.  We had just learned of the death of a man I never met, but who was the brother of a dear friend.  As my husband and I drove along, the scenery spoke to me of my friend’s grief.  I wrote a mourning poem for him.

Carrie kindly permitted us to reproduce one of her poems here:



Eulogy for a Dead Saguaro

Like the ancient ones of the tribe
Who walked off alone to die,
Not to be a burden,
Your naked ribs are left,
Bleached and exposed.
Without the privacy of a burial.
Pride and personality gone,
The meat has fallen off
Your drying bones.

I cringe to look upon
Your broken skeleton,
Sinking into a
Pauper’s sandy grave.
A pathetic end
For one who
Once was king.


(copyright) Carrie Backe



Thank you very much, Carrie and Tom, for allowing us to share your photo, for playing along today and for letting us post your poem in this space.



We are offering general information and opinions. Talk to your insurance professional for questions and concerns about your insurance policy.

Internet vs. Independent

You've seen the ads for those websites where you can enter all your personal information and get rate quotes from "several top companies"? It sounds so easy. To learn more, we tried it. It was an eye-opening experience.

We received calls and emails from several different agencies, so clearly our internet inquiry put the name on a list of leads, which are then sold to agencies who wish to buy them. In the era of Snail Mail, you would have called it a mailing list.

Some of the agencies were not around here. Each one needed more information, of course. In order to get a quote from those "several top companies", we would have had to hand out that personal information to each one.

I had to wonder, too: how many people had access to the information between the time we entered it and the time it landed in the lead-buyer's email?

How is working with Crabdree Insurance, as an independent agent, different?
  • You answer the questions once.
  • Your name doesn't land on a high-tech mailing list. Your information is treated with the utmost privacy.(click the link to see our Privacy Policy).
  • When your insurance needs change over time, you don't have to start the whole process all over again. We do the shopping for you, and present you with your available options.
  • You work with a licensed professional from the beginning.
  • It's our job to assess which companies are going to be the best fit for your insurance needs. Then we evaluate the quotes and present the best ones: both in terms of premium and coverage. You don't get emails with quotes giving you sky-high premiums or half the coverage you requested.
Crabdree Insurance doesn't buy those "leads". Instead, we offer professional, friendly, dedicated customer service and an array of companies to fit almost every insurance need. Our customer's kind words about us bring us more business than a cartoon character ever could.


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The Payson Roundup / Minor earthquake strikes north of Payson Sunday

The Payson Roundup / Minor earthquake strikes north of Payson Sunday

Did you know that your homeowners policy probably excludes earthquake coverage? Call your agent to get a quote on adding it!



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Do both and you get two chances to win!



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Resolution Time

We're already into the second week of the new year. Amazing.

Do you make New Year Resolutions? There are the usual ones: eat healthier, exercise more, stick to my budget, get organized, call Mom more often...everybody thinks of that kind of resolution. How about a New Years Resolution for your financial well-being? Here are some ideas:

  1. Meet with your insurance agent for a review of your policies. How long has it been? Things change. Are you getting your discounts? Are you still insuring a car you sold last year? It happens all the time. Sit down for a review. You may be paying for coverage you don't need, and skipping something you do need.
  2. Make an appointment with a financial planner. Are you on track for your long-term and short-term financial goals? Could you realign your investments and improve your portfolio?
  3. Take a careful look at your spending. What can go? How can you simplify? Are you saving enough?
  4. Have you been attending to your home's maintenance? Many losses can be prevented by keeping your home well-maintained. That loose board on the front step could be the one that breaks an ankle.
  5. Read. Yes, I know: it isn't a thrilling read. Read your insurance policy. Read your prospectus. Anything you don't understand, ask! Professionals are here to help. We can translate those abstruse paragraphs into English for you.
We are here to help you. It is important that you understand your insurance policy. You need to know what the conditions and exclusions are. A good example is a job delivering pizza. Your auto insurance might not cover you while you have that sign on the roof of your car. What about having a trampoline? Lots of families have trampolines, and many insurance companies exclude them. So if your child's friend gets hurt on the trampoline, YOU could be responsible for their medical bills. Find out for sure. There can be exclusions for pets and/or livestock, business activities and much more, depending on the policy.

We are offering general information and opinions. Talk to your insurance professional for questions and concerns about your insurance policy.