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    Lightning Safety: An Overview

    Posted by Gordon Atlantic Insurance

    Sun, Feb 19, 2017 @ 12:00 PM

    Lightning Safety

    Popular culture has largely portrayed a lightning strike as an event akin to winning the lottery or another extremely improbable occurrence. However, better data collection efforts over the last decade have shown lightning’s danger to be underrated at best.

    To put the statistics in perspective:  

    According to the Lightning Protection Institute (LPI), lightning strikes thousands of people each year, injuring a few more than 1,000. Have you ever been afraid to go swimming after watching ‘Jaws’? Well the probability of being struck by lightning is approximately 30 times more likely than being attacked by a shark. You should be watching the sky, not the water around you!

     


    I personally know two people who have been struck by lightning; one lived, one did not. While this is entirely anecdotal evidence, it does beg a question as to why lightning is generally not taken seriously as a threat. My personal theory is that it’s a combination of the misconception that lightning strikes are extremely rare and the commonness with which we encounter lightning.

    Lightning can also be very damaging to property; according to the Insurance Information Institute (I.I.I.), there were 213,000 lightning related claims last year. These losses include damage to expensive electronics and structural fires. The I.I.I. further estimates that the average lightning claim to be $4,846.

    Lightning Myths:

    • Lightning never strikes the same place twice. Wrong. Lightning often strikes the same place twice, especially if that place is tall, metallic, and isolated. While we’ll forgive you for using the expression in casual conversation, don’t believe it to be true.
    • You are safe from lightning if you can see the sky. Wrong again. Lightning often strikes outside the area of a thunderstorm or rainstorm, sometimes several miles away. Just because the storm is not overhead does not mean you are safe.
    • Lightning rods attract lightning. Wrong. Lightning rods provide a safe place to ground the surge of electricity should lightning strike.

    Lightning Warning Signs:


    If you are caught in a storm, pay attention to how you feel. If your skin beings to tingle, you hair stands on end, you smell an acrid odor in the air, or you get a metallic taste in your mouth, you might be about to experience a lightning strike. Get low to the ground and follow the steps below.
    What to do and not to do (Compiled from the I.I.I, LPI, & Essortment):

    • Stay away from bodies of water, such as lakes and swimming pools – even indoor swimming pools.
    • Stay clear of isolated trees, flagpoles, telephone poles, hills, and rooftops. Get out into an open field or road.
    • Of course NEVER touch metal objects such as wire fences, golf clubs, aluminum baseball bats, bicycles, during a lightning storm.
    • If you are caught out doors during a thunderstorm, crouch down and keep your head as low as possible and only let your feet touch the ground – rock forward on your toes if possible to get as much of your feet off the ground. Do not touch the ground with your hands to balance yourself.
    • NEVER lie down on the ground – you want as much of you off the ground as possible. The electrical current from a nearby lightning strike can travel toward you along wet ground.
    • Even indoors you must use common sense. Always stay away from electrical appliances, metal pipes, get off the phone, stay out of the shower and bathtub and do not use any wired appliance.
    • If you are caught outside with a small child, hold the child on your lap up off the ground as you crouch around them.
    • Realize that lightning is a powerful force of nature and it demands that you develop a healthy respect and fear of it. Stay indoors during lightning storms!
    • If someone has been struck by lightning, provide first-aid immediately. It is perfectly safe to touch someone who has been struck by lightning—you will not get an electrical shock. Call 911 immediately and begin CPR or use a defibrillator if available.
    • Invest in a lightning protection system for your home and or business. A building with a properly installed lightning protection system is a smart investment as it provides proven protection for your family, home and valuables. It is an important safety investment in areas prone to lightning.

    Look to Gordon Insurance for more risk management resources! Lighting can affect your home, auto, and most importantly life and health, so make sure you're covered.

     
    Learn more about your personal insurance options with us here.
     
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    Corbin Foucart

    Tags: commercial, auto, online, insurance, Atmospheric Sciences, Earth Sciences, Insurance Information Institute, Thunderstorm, agency, strike, car, quote, lightning

    How to Get the Most out of Gordon Insurance: Blogs

    Posted by Gordon Atlantic Staff

    Mon, Jun 24, 2013 @ 11:38 AM

    If you are reading this, then you are looking at one of the many blog posts at the Gordon Insurance website. Congrats! Perhaps you found us through Facebook or Twitter, or clicked something on the webpage by mistake. No matter, you're here now, and this is how to get the most out of Gordon Insurance blogs.

    You might be asking yourself why we even bother with an insurance blog? Who reads about insurance in their free time, am I right? Well, you'd be surprised. Since everybody has to have some form of insurance, whether it's home, auto, or life, many people have questions about insurance. And where do they go to find the answers to their questions? To our site.

    Since we update our blog so often, roughly three-five times a week, we have a lot of new and up-to-date content for you. Here's how to find our blogs. That's right. Blogs. With an 's'. If you really want to get the most out of Gordon Insurance, you can always read about things other than insurance. (We aren't boring people- we have other interests too!)

    Here's how to get the most out of our blogs:

    1. Go to Blog Directory

    Read Andrew G Gordon blogs for insurance info

    2. Decide which blog you'd like to read.

    We currently have six different blogs: Our Personal Insurance Blog (most frequently updated), Commercial Insurance Blog (for businesses and whatnot), New to Massachusetts Blog (for people who are new to the area), Gordon Book Review, Gordon Travel Blog, and Gordon Recipe Blog. Click on the links on the side bar or on the main screen.

    Blog Menu

    3. Read a blog!

    In the example below, using our lovely The Simple Math Behind Insurance blog, we notice a couple of things the blogs offer. At the very top of each blog post and every blog page is a menu (located in the blue box). Simply click this to view a full list of every blog that's ever been published under that category... EVER! In the black box we see a list of the ten most recent blog posts, again, by category. And in the red box below we have an option of subscribing to our blog. Simply provide your email, and we'll provide the rest. That way, you never miss out on new info.

    Blog ExampleEvery now and then people find themselves reading our blog, and they aren't quite sure what it is. It's not a page on our website, it's a useful resource that is constantly being updated. Whether you want to learn about insurance, read some safety tips, or want a new recipe for your holiday party, the Gordon Insurance blog is always going to be there for you.

    Some of our most popular blog posts are linked below. Click and read away!

      INSURANCE QUESTION?  

     

    Tags: travel, commercial, personal, insurance, recipe, how to get the most out of gordon insurance, blogs, new to massachusetts, book review, how to

    7 Sins of Insurance

    Posted by Gordon Atlantic Staff

    Fri, Jan 11, 2013 @ 03:19 PM

    Everybody makes mistakes, but a couple of guidelines can help you avoid them. Especially with insurance, you don't want to learn from mistakes. You would much rather get it right the first time, whether it's dealing with car accidents or house fires or hurricanes. To help you out with your insurance ideology, a list of the seven deadly sins of insurance has been prepared just for you:

    1. Don't be lazy. Dont be lazy with insurance andrew gordon inc

    One of the seven sins is sloth, and no, I'm not talking about the animal. Not taking the time to learn about your insurance and/or procrastinating your insurance needs will not put you in a good place. It's far better to look at your insurance options sooner rather than later. Who knows? Maybe your path to not-being-lazy begins with this blog post- keep reading! (We have plenty of other posts for you too!)

    Spend the right amount on insurance and stay covered with andrew gordon inc2. It's not all about the price.

    Yes, price is important. But it's not the only thing. Slightly more expensive policies may cover a lot more than your basic policy. For a few extra bucks a month, would it be worth it to add this to your coverage? The odds are that if you won't really notice the difference in your wallet, then consider the more expensive policy with the greater coverage. Speak to your insurance agent if you have any questions about prices.

    Jewelry3. Know what you're purchasing.

    Insurance has a language of its own, and everybody is susceptible to misinterpreting it. It's important to know your insurance vocabulary, and even then, to know what it all means. (Helpful hint: if you can speak in plain English about your policy and it's coverage, then you're good. If you can't, contact your agent and understand exactly what policy you have and what you might want to get/lose in the future.) Be wary, certain policies may not cover for what you think they might. A good example of this is a homeowner's policy that will not cover for fine jewelry. If you need a collection, fine art or jewelry quote, click here.

    Get the best insurance with andrew gordon inc4. Shop for policies.

    People don't always like change, but change with insurance can be a good thing. You might not know it but, other insurance options may be out there with the same coverage for a lower price, or better coverage for the same price. We do the shopping for you here at Andrew G. Gordon, Inc.- just click here to request a quote and we'll find the most suitable one for you. Just don't leave yourself limited to the same old, same old. You could be missing out.

    Get the right amount of coverage with andrew gordon inc5. Have the perfect amount of coverage.

    This might surprise you, but it is possible to have too much insurance. It's just as possible to have too little. Over-insuring and under-insuring are equally as bad but for different reasons. With too much insurance, you will be paying an excessive amount for your coverage (and that's just unnecessary). If you are under-insured, your coverage may not adequately provide for you in a scenario where you need to file a claim (i.e. car damage). Your insurance agent will always help you find a suitable policy which covers an appropriate range with a reasonable price.

    Get discounts on your insurance with andrew gordon inc6. Ask about discounts.

    If you qualify for insurance discounts, you sure should use them! Insurance discounts are often rewarded on the basis of an excellent driving record, home security systems, extra driving classes, etc. Don't be too proud to ask about some of these amazing discounts; they could end up saving you a lot! For auto discounts, click on the link. 

    7. Be cautious and patient.

    Learn about insurance with andrew gordon inc

    Many of you are probably familiar with the phrases like "road rage" and "kitchen fire". Don't get angry on the road, or you could face several surcharges in your auto policy. Similarly, don't use failing electrical appliances in your kitchen and burn your house to the ground. If you ever find yourself in need of filing a claim (you probably will at least once), calmly report the claim with as much detail as possible. Your insurance agent is here to work with and help you, but you also have to be able to work with us. Things go a lot quicker and a lot more smoothly that way, and we want you to be able to enjoy your life without fear of loss.

    There you are! The seven deadly sins of insurance. We hope you put into consideration some of these insurance mistakes and avoid making them yourself. If you have any questions about your policy, or would like us to shop around for a new policy for you, feel free to click the buttons below! Or simply contact us. Learn more about personal insurance here.

      INSURANCE QUESTION? Why Choose Gordon?

    Tags: home, commercial, auto, info, sins, seven, list, things to consider, life, insurance, mistakes, of

    Insurance Planet

    Posted by Gordon Atlantic Staff

    Wed, Dec 12, 2012 @ 11:18 AM

    Learn about insurance on earth with andrew gordon incImagine a world where every time something bad happened, someone was there for you. Your car could crash into a house, fall into a ditch, and explode into a million pieces all within the same second, and you would still be covered. Your house could be hit by a named storm, catch on fire, and have all the remaining valuables stolen, and you would still be covered. The sky could fall, it could rain cats and dogs, and zombies could rise and eat your flesh. Still covered? You bet.

    This ideal world is known as Insurance Planet. But is Insurance Planet truly ideal?

    On Insurance Planet, Murphy's law applies in the worst ways. Anything that can go wrong will go wrong. That's why every Insurance Planet citizen has insurance. Insurance dominates everyday activities because everything keeps going wrong. It's truly an awful lifestyle. Thank goodness we live on Earth.

    On Earth, Murphy's law is applicable some of time- not all of time. However, when things do go wrong, it's nice that us Earthlings have insurance available. It's not everyday that we're going to crash our car, experience a hurricane, or have our identity stolen. (It's like that on Insurance Planet. Something goes wrong EVERY SINGLE DAY).

    The one disadvantage earthlings have when compared to the citizens of Insurance Planet is that, generally, we don't entirely understand all of our policies. We have experts here and there, but most of us don't work in the insurance business.

    Insurance can be just a tricky thing. Some people know that you can file a claim for spoiled food, but forget to ask themselves if it would be worth it. Weirder claims than spoiled food have been made. And insurance has so much paperwork! "What is the difference between the HO-3 and the HO-5 forms?!?" you might ask, "It's just a number, right?!?"

    Wrong.

    Although we aren't aliens from Insurance Planet, we at Andrew G. Gordon, Inc. do our best to meet all of your insurance needs. Whether it's finding a quote, helping you prepare for natural disasters, or just explaining what your insurance policy will do for you, we are here to help!

    So if you ever find yourself experiencing a day that's simply filled with events that stem from Murphy's law, just find a desk and chair and look us up. Feel free to contact us at anytime, ask us your questions, and be happy that you live on Earth instead of the dreaded Planet Insurance! Learn about your personal insurance options here

     
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    Tags: commercial, personal, law, murphys law, aliens, planet, earth, insurance, weird

    What Do I Need to Know About Insurance? 5 Things

    Posted by Gordon Atlantic Staff

    Mon, Sep 10, 2012 @ 04:55 PM

    Insurance can be puzzling- the more you know, the better. As surprising as this may sound, insurance is not entirely about the price. Thus, we’ve created a list of things-to-know about insurance for your convenience.

    Learn everything you need to know about home auto life business insurance andrew gordon inc norwell ma

    1. Amount of coverage

    What do you want to protect? That’s the overall question for deciding the amount of coverage you need.  The best advice we can offer you is for you to think about all the things that could potentially happen. Or consult a professional agent who will ask lots of questions to uncover areas you need to pay special attention.  Although you might want to push these thoughts to the side (i.e. “that could never happen to me!”), someone has to think of these situations. Nobody plans for a car accident or a guest being injured at his/her house, yet these sorts of things happen all the time.  A good way to cover a lot of these is by running down a prepared list such as this checklist for your homeowners insurance.

    2. Risk level

    The amount of risk you take sometimes depends on one aspect of your life: money. If you have available money, then choosing a policy with high deductibles is probably the best option for you. Remember, “Insure only what you can’t afford to lose.”

    Obviously, this part of our list is also going to discuss risk. Some policies cover more than other policies do, so be informed on what risks you can afford to take, as well as what is the cost of transferring that risk (via insurance)? An example of this is would be a dog with a biting history. The only company that will offer coverage after a dog has bitten someone (resulting in an insurance claim) is the Massachusetts Fair Plan (MPIUA). But they might do so with a $25,000 limit of liability for dog bites. So you have to ask, is the dog worth that much to me that if he/she bites someone and it results in a $100,000 claim (we’ve had one here that exceeded that, and not even from a dog ‘on the list’), are you prepared to pony up the next $75,000? Make sure you know what is covered on your policy, and be careful with what chances you take where insurance doesn’t go.

    3. Insurance company

    People often assume that the insurance company will be able to handle anything and everything- you should never assume. If the company goes under, or even if the company stays around but has poor finances, then you won’t get what you need. The best way to make sure that your company will be able to provide for you is to check a credit rating agency. We recommend A.M. Best Company for this. Other credit rating agencies include Fitch Ratings and Standard & Poor’s.

    4. Discounts

    Everybody loves saving money; discounts can be available all around you, and you might not even know it!   For a list of most prevalent auto insurance discounts, click our video and list

    Account discounts, where you have two lines or more (such as home and auto), are often the most compelling.

    Always ask your agent questions, he/she is there is serve YOU.  If they are not helpful, just contact us.

    5. When do I need to look at new insurance?

    Certain life changes will cause you to look at new insurance.  These changes include:

    -Starting a new business

    -Buying an additional home

    -Adding a driver to the auto policy

    -Changing jobs (especially if you leave a rich benefits plan for a bare bones benefits employer)

    -Volunteer work (such as serving on the board of a non-profit organization)

    This list just helps prove a very important point: insurance is not only about the price. For a few extra dollars, you can have all sorts of things protected.   Think back to the dog example- imagine how expensive it would be to defend a bad dog bite without insurance! When it comes to insurance, price is important, but it’s not the only thing that matters.

    If you have any questions about insurance, contact us. For quotes, click here. We are dedicated to getting you the best insurance possible for you and your needs. Learn more about personal insurance here.

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    Tags: home, commercial, auto, company, risk, life, insurance, coverage, discounts, ratings

    7 Tips for Proper Trailer Care

    Posted by Gordon Atlantic Staff

    Thu, Jun 21, 2012 @ 02:43 PM

    Take proper care of your trailer and insure your vehicles with auto from Andrew Gordon Inc Insurance Norwell MAIt is summer time and we are hitting the roads, lakes, ponds, and some of us are going to horse shows. This means that we are pulling all sorts of trailers behind our vehicles.

    If your trailer is being pulled by a vehicle on your Personal Auto Policy, liability coverage follows automatically. If you want to have Comprehensive or Collision Coverage for the trailer, there will be an additional charge. If your trailer is being pulled by a Commercial Auto Policy it must be added to that policy for the trailer to have liability coverage.

    Before you take your trailer out on the road, there are a few things that should be checked.  Below is a list of things that should be done:

    1. Tires

    1. Tire tread can be checked with a penny.  The rule of thumb on tread depth is to use a penny and if it reaches the top of Lincoln’s head, it is ok.
    2. Tire pressure should be as per specific tire/vehicle specification as on the tire, the door jam of the vehicle, of very often it is on the trailer itself.
    3. Be sure that actual tire trailers are used, not vehicle tires.
    4. Look carefully for any dry rot/cracking on the side walls of the tires.

    Make sure your trailer is covered with auto from Andrew Gordon Inc Insurance Norwell MA

    2. Bearings should be checked for adjustment

    and repacked on boat trailers at least once a year and on other trailers at least every two years.

    3. Brakes

    1. Need to be in proper adjustment
    2. Brake battery is charged and in working order
    3. Run-away brake switch works
    4. Brake controller working properly

    4. Lights

    – be sure that all running, brake, and directionals are working properly.

    5. Grease and oil all hinge pins at least once a year so they do not bind.

    Take good care of your trailer with these tips and auto from Andrew Gordon Inc Insurance Norwell MA

    6. Floor

    – check that all floor boards and cross members that support the floor boards are not broken or cracked. If there are mats in the trailer, be sure to check underneath them.

    7. Extra equipment

    1. Chock blocks for when trailer is parked
    2. Reflectors in case of a break down
    3. Lug wrench that fits trailer lugs
    4. If your tires have locks on them be sure to know where the key is kept
    5. Jack or ramp/tire chock that works to lift trailer in case of a flat

    If you are diligent on checking things on your trailer, it can have a long safe life. 

     If you're looking to insure the car you use to tow, check us out at www.agordon.com and contact us with any questions, or get a quote and see how much you can save with us. Learn about personal insurance here

    Happy Trailering and Happy Summer!

    INSURANCE QUESTION?

    Tags: summer, commercial, auto, policy, tow, insurance, trailer, horse, liability, car, collision

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