Flood Prevention and Safety

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Flood prevention and safety 

Almost anywhere it rains, it can flood. Even if you live in an area that you think isn’t at risk, preparation is just as critical as with other types of emergencies.

Before we get into how you can prevent, limit or react to flooding, it’s important to note that flood damage is typically not covered by your homeowners or renters insurance. There are specialized flood insurance programs that we at West Town Insurance Agency can discuss with you. Just contact us at (252) 368-4017 or info@westtownins.com for more information if you live in North Carolina.

 Preparing for a flood

The Federal Emergency Management Agency recommends a number of steps to stay safe during emergencies and limit damage from flooding. You should:

Build an emergency kit for your family containing such items as drinking water and nonperishable food for each member of your family (two-week supply), flashlights,  a radio, extra batteries, a first-aid kit, necessary medications, personal hygiene items and copies of important documents.

Create a communication plan so family members can reach one another.

Elevate your furnace, water heater and electric panel in your home if live in an area with a high flood risk.

Consider installing “check valves” to prevent floodwater from backing up into the drains of your home.

If possible, construct barriers to stop floodwater from entering your home and seal basement walls with waterproofing compounds.

Acting during a flood

 If a flood is likely in your area, quick action may be necessary to protect your family and property. You should:

Get information from the radio or television.

Move immediately to higher ground if there is any possibility of a flash flood. Do not wait for instructions to move.

If you need to evacuate, secure your home and move essential items to an upper floor. Turn off utilities if instructed to do so, and disconnect electrical appliances. However, do not touch electrical equipment if you are wet or standing in water.

Do not walk through moving water — it can make you fall. Use a stick to check the firmness of the ground in front of you.

Do not drive into flooded areas. If you are caught in your vehicle in floodwater, abandon your car and move to higher ground if you can do so safely.

If you have evacuated your home, do not return until authorities tell you it is safe.

Coping after a flood

 Flooding can cause emotional stress along with physical hazards, so be mindful of the well-being of you and your family during the aftermath.

Floodwater can be contaminated by oil, gasoline or sewage, so avoid contact as much as possible.

Make sure your city’s water supply is safe to drink.

Clean and disinfect everything that was in contact with floodwater.

The Red Cross has a free book available called “Repairing Your Flooded Home,” which contains useful information as you clean up. It’s available at www.redcross.org. Of course, don’t hesitate to contact us as well — we’re ready to help!

If you have flood insurance, contact the claims center of your provider as soon as possible.

Flooding is one of the most common hazards in the U.S. Being prepared for any emergency is crucial for the safety of you and your family. Don’t be caught off guard!

Flood Insurance Quote

If you would like a Free Flood Insurance Quote, submit the following information and one of our agents will contact you.

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Tornado truths that can help you stay safe

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Tornadoes have caused severe and irreparable damage to tens of thousands of Americans and their property in recent years. On top of the physical and emotional fallout, many have also lost their lives as a direct result of a tornado.

Although you can never control the weather or the outcome of a destructive storm, there are steps you can take to help you and your family remain protected in the event of a tornado. Those steps of action begin with knowing fact from myth.

Here are a few tornado truths that could help keep you and those you love safe:

  • When indoors, shut all windows and doors. Do not leave them open in an attempt to follow the mythical need to “pressurize” your home because the result would more likely be debris flying through the window and causing severe harm, or wind pressure working to lift the roof off the house from the inside.
  • If you are inside your home or other structure, retreat to the lowest level (a basement is ideal) or the room closest to the middle of the home or farthest from windows and doors. Do not seek a “corner” of the structure for your retreat; instead, go to the center-most point, away from windows and anything heavy that could fall on your head.
  • If you’re outdoors, find the lowest spot, such as a ditch or dry river bed, and lie flat on your stomach, covering the back of your head with your hands. Do not follow the myth of seeking shelter underneath a bridge or overpass because it could collapse on top of you or large debris and winds could come rushing underneath and potentially sweep you up into the tornado itself.
  • If you are in a vehicle, abandon the vehicle and try to find shelter in a structure or outdoors in a low place where you should lay stomach-down and cover the back of your head with your hands. Most importantly, do not attempt to drive away from the storm unless it’s very obviously far away and moving in the opposite direction.
  • Do not take shelter near a road or foothill and expect the tornado to miss you. Some myths say that tornadoes will reverse their directions when nearing a road or foothill, but a tornado doesn’t discriminate and will keep on its path.
  • Keep head gear handy. Head protection can be the number-one most important factor in remaining protected from flying debris—indoors or outdoors—so know where bike, football, batting, boxing and other helmets are in the house, and make them easily accessible.

At West Town Insurance Agency, we want to help you know the tornado truths that will help keep you and your family safe. For more tornado safety tips, visit the Storm Prediction Center’s comprehensive guide at http://www.spc.noaa.gov/faq/tornado/safety.html.

 Contact Us!

 At West Town Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 252-368-4017 or send us a note at info@westtownins.com. We want to help you meet your goals, and make sure what’s important to you is protected!

Content provided by Safeco Insurance

RV Travel Tips

RV

Get the Most Out of Your RV This Summer

 There’s nothing quite like taking a road trip in an RV. Whether you’re headed to somewhere nearby in North Carolina or somewhere across the country this summer, we at West Town Insurance Agency want you to get the most out of your travels.

But before we get to travel tips and how to find the best places to stay, we want to remind you about safety. As with any vehicle, maintenance is important. After all, even though you can hang out in your RV if it breaks down, who wants to spend their road trip on the side of the road? We encourage you to visit www.safeco.com and click on the “Insurance 101” tab. The “Consumer Tips” section has a wealth of information on RV safety.

With that said, it’s time to hit the road!

General travel tips

  • Have a plan (and maps or a GPS). One of the reasons you’re traveling in an RV, no doubt, is for the adventure. But while the freedom to go wherever you want can be exciting, getting lost isn’t (at least for most people). You’ll cut down on frustration if you know where you’re headed.
  • Pack the right things. We’ve all forgotten to pack something while going on vacation. And buying new items at your destination can add up. So make a packing list, and remember that it’s not all about clothes and toiletries. Don’t forget your favorite road music or DVDs to watch at night. And if you’ve got kids with you, be sure to pack games and other things to entertain them.
  • But don’t pack everything. Of course, just because you have an RV doesn’t mean you should bring all of your possessions on vacation with you.
  • Be prepared for anything. You should have a first-aid kit in the RV, as well as some tools for smaller repairs. And if you’re traveling a long distance, why not bring some local items from your hometown to give as gifts when you make new friends?
  • Limit the driving. It’s tiring enough driving a car hundreds of miles a day, let alone an RV, so give yourself plenty of rest and don’t overdo the driving.

 Want to bring your car?

Taking a car along with your RV can give you a lot more flexibility on your vacation. But it can also make the driving more stressful, so keep that in mind. According to towingworld.com, there are three main options to bring your car with you:

  • A trailer: This of course, allows you to raise the car completely off the ground. They’re generally more expensive than other options, but keep wear and tear to a minimum for your car.
  • A tow dolly: This lifts the front wheels of the car off the ground. They’re useful if you can’t tow your car with all four wheels down, and can be easily used for front-wheel drive vehicles without another device to make it towable.
  • A tow bar: The most popular choice, because of its convenience. It’s the option with the least amount of equipment, and usually the least expensive; it also takes up less space than dollies and trailers. Note that not all cars can be towed with four wheels on the ground, so check your manufacturer’s recommendations.

Where to stay

If you’re looking for a campground or RV park, you’re in luck – there are seemingly endless options across the country. But how do you know which ones are good or safe? Plenty of online resources have information on various parks, including the ones below:

Wherever you stay, you’ll want to take some steps to prevent crime. RVs can be inviting targets for thieves, because they usually contain more valuables than cars. Always lock your doors when you’re away from the RV and keep valuables out of sight or locked away. If you’re parked for the night in a non-camping area, such as a parking lot, try to stay in a well-lit area and keep the door facing the light. Finally, try to make fuel or convenience store stops during the day, if possible.

You’ve got a summer full of fun ahead in your RV. We wish we were coming with you! Here’s hoping for smooth and safe travels.

And don’t forget, we can help you get the right insurance coverage for your RV (and everything else). Give us a call today!

Tom McClaren Joins West Town Insurance Agency

Tom McClaren joins West Town Insurance Agency

EDENTON, NC– West Town Insurance Agency, a growing business in Edenton, has hired Tom McClaren as a Producer. He started his duties on April 4th.

McClaren, who has an extensive background in sales, was previously an agent with the Edenton office of the NC Farm Bureau. He has more than five years of experience in property, casualty, life, health and Medicare Supplement sales and service.

“As we continue to build our agency, Tom’s background provides our clients with an experienced representative that they can count on for accurate information,” said Leah Farmer, Senior Vice President of Insurance Operations. “His strong ties to the local community means he already has several business relationships and we know that will only increase while working for West Town Insurance Agency.”

In addition to his experience in insurance, McClaren has also been a real estate agent and broker with two local agencies. He is also a former pastor of two churches. McClaren earned a master’s degree in divinity from Azusa Pacific University in California and a bachelor’s degree from Barclay College in Kansas.

“I’m excited to be a part of a growing business like West Town Insurance Agency,” McClaren said. “We represent multiple insurance providers, both big and small, so we are able to find the right coverage at the right price for each customer.”

About West Town Insurance Agency

West Town has been a trusted name in the financial services industry since 1922.  West Town Insurance Agency was established in 1990 to provide consumers and businesses with affordable options for their insurance needs. Give us a call today and give us a chance to provide you a quote.

For more information, visit www.westtownins.com.