The Prewitt Group offers personal coverages for the people and assets closest to you and understands there might be questions about policies you might need answered. Below are a few FAQs that were answered by Risk Consultant, Ray Greer, from our team.

How do I know how much coverage I need?

  • The amount of insurance needed for everyone is different.  The best practice is to periodically sit down with your agent and discuss.

What is an umbrella policy?

  • An umbrella policy is designed to protect against catastrophic losses that are liability related.

Who can I call about my policy or a claim after hours or on the weekend?

  • You can call your agent any time day/night whenever you have a claim. The Prewitt Group is available to respond to any questions, concerns or claims whenever you need us most.

Where is the best place to store documents like policies?

  • A safety deposit box or fire safe can be used to store important documents such as your insurance policy.

Do credit scores impact premiums?

  • An individual’s credit score is one component of several items used in an analysis that determines a person’s premium.  So, a good or great credit score helps!

Is a home-based business covered under my homeowner’s policy?

  • Most homeowners’ policies provide limited protection for many home-based businesses due to several property and liability exclusions/limitations.  It typically is better for the business owner to have a separate business owner’s policy to adequately cover their business.

Since 1974, The Prewitt Group’s mission has been to expertly handle all your insurance needs whether personal or professional with the utmost attention to detail and comprehensive protection from anticipated risk. We strive to protect our clients from danger, risk and unpleasant experiences. That’s “The Power to Mitigate Risk.”

We offer various commercial, personal and life and health coverages to fit your unique needs. Contact a consultant at The Prewitt Group today if we can answer questions that might help us begin the process to cover the assets and people you value most.

Copy of Life Insurance Awareness Month

One of the added benefits of insuring your home with The Prewitt Group is knowing that your valuable possessions are protected when you’re away. Whether you’re traveling for the holidays to be with friends and family or taking a much-needed vacation to warmer weather, the following tips can help put you at ease and ensure an enjoyable return to your home.

  • Leave faucets dripping if temperatures dip below freezing where you live.
  • Set your thermostat to 65 so you won’t be unnecessarily heating your entire home while you are away.
  • Leave porch lights on to deter potential thieves. If you have access to timed lighting, which can turn on and off to make it seem like someone is home, use this added step to prevent theft during the holidays.
  • For those with a live Christmas tree, make sure it’s properly watered, turn the lights off and unplug them before leaving.
  • As online shopping increases each year, many of your gifts may be delivered during the season. If packages might be delivered to your home while you’re away, many carriers will allow a delayed delivery for your return. You might also have a friend or neighbor bring them inside for safekeeping.
  • Double-checking that all windows and doors are secured is essential. Additionally, for those who have a home security system, setting it before you leave is the last step to making sure you feel comfortable during the holidays away from your home.

Last holiday season, a record-breaking 112.5 million travelers hit the road. That means the risk associated with sharing the roadways increases. The following tips will aid in preparation for your own holiday travels.

  • Keep presents, or anything of great value, hidden away in the trunk or covered.
  • Have your car serviced a few days before traveling to make sure it’s in tip-top shape.
  • Keep in mind that traveling earlier in the day will allow access to service stations, or if necessary, use roadside assistance to provide fixes for troubles you may have without hindering much of your progress.
  • Make sure you have warm blankets and a few snacks in case there are delays due to traffic during your travels, or if a flat tire leaves you waiting in the cold for longer than expected!
  • Always have a phone charger in your car.
  • Lastly, share your itinerary with family so they know when to expect you. Having an alternative route to combat any excess traffic or delays can ensure you arrive before dinner is on the table.

The Prewitt Group extends warm wishes for a safe and happy holiday season.

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As temperatures begin to drop, check for drafts near doors and windows and insulate each area. Weatherstrips and caulking can help with closing those drafty places.

Fans can help circulate warmer air in a room. By changing the directional switch and lowering the speed on the fan, this will help push the warmer air throughout with adding cooler air to the space.

Dusting both vents and radiators and clearing any furniture near vents will provide adequate space for air to flow throughout the home.

Note the temperature indoors when you feel the slight chill that makes you reach for the thermostat and keep it one to two degrees warmer. This will help you be more comfortable.

Have a basket of warm blankets in the common rooms you and your family spend the most time in so when the first cool front comes through, the first instinct might be to grab a throw or blanket instead of turning on the furnace.

A few additional tips can save money and help to further winterize your home –

  • Check your fireplace before the first fire.
  • Close doors to unused spaces in your home.
  • Protect any plants that might live outdoors or bring them inside before freezing temps arrive.
  • Replace air filters.
  • Protect your pipes from bursting with insulation.
  • Cook at home, the warmth from the kitchen will help warm other parts of the home, too.

The Prewitt Group encourages everyone to prepare for the changing temperatures and seasons, it can save you money by lowering power bills and preparation is priceless.

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As the leaves change color and the temperatures cool down, the likelihood of certain insurance claims increases. According to Property Casualty 360, car collision and accident, auto and home theft, house fire and water damage claims increase during the fall and winter seasons. Before you get caught up in the busyness of fall, check out these safety and property maintenance tips.

  1. When driving, be aware of changing road conditions and hazards that come with the changing season.
  • Drive slowly and decrease speeds on wet, icy or leaf-covered roads.
  • Avoid sun glare, which intensifies near sunrise/sunset and aligns with east/west roadways near the autumnal equinox.
  • Keep a safe distance between the car in front of you when driving in the rain.
  • As temperatures drop, look out for icy patches on bridges, overpasses and shaded areas.
  • Most wildlife-related accidents tend to occur between October and December, so watch out for animals on the roadways.
  • Parking lot-related claims also increase between October and December, so avoid tight spots, dark parking lots and cart return areas.
  1. Theft increases each year around the holidays. Take some preventative actions to reduce the chances of being a victim of auto or home theft.
    • Don’t leave packages, briefcases or electronics visible in your car.
    • Take photos of high value items when you purchase them and keep your receipts to prove ownership.
    • Make sure doors are locked and windows are closed when you leave the vehicle.
    • Keep lights on a timer and use motion detectors for the outdoor lights around your home.
    • Use an app, like Ring, to remotely monitor your home.
    • Store your valuables in a fireproof safe or a safety deposit box.
  1. Enjoy fall-scented candles, fireplaces, wood stoves and heaters with caution. Fireproof your home by:
    • Annually inspecting and cleaning your chimney.
    • Annually inspecting and cleaning your heating system.
    • Replacing furnace filters in accordance with the manufacturer’s instructions.
    • Keeping candles away from flammable items and unruly pets. Don’t leave them lit in unoccupied spaces.
    • Checking electrical outlets for loose-fitting plugs. Be sure not to overload electrical outlets.
    • Keeping a fire extinguisher handy.
    • Testing your smoke alarms regularly.
  1. Colder temperatures increase the likelihood of frozen or burst pipes and roof damage. Prevent water damage by:
    • Checking the condition of your pipes and cleaning out backup water valves.
    • Insulating water pipes in areas exposed to freezing temperatures.
    • Turning off the main water supply before going out of town for an extended period of time.
    • Keeping your drains and gutters clean.
    • Inspecting your roof at least twice a year.

All in all, be aware of the threats that arise with the fall and winter seasons and make home maintenance a part of your fall routine to identify potential problems before they arise. Plus, with the right insurance coverage in place, you’re on your way to a safe and happy fall!

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Are you ready for summer? While your kids may be on summer break, risks never take a vacation. In fact, summer activities like these often lead to more mishaps.

  • Road trips: During the summer, the roads are more crowded, which makes driving more dangerous. Whether you’re taking a road trip in your personal vehicle or a rental car, be sure your auto insurance policy covers collisions. If your auto policy does not include driving in a rental car, consider purchasing the liability insurance offered at the rental counter.
  • Pool parties: By having a swimming pool, you take the risk of someone getting injured or drowning on your property. If you haven’t already, consider increasing the liability coverage on your homeowners policy to reduce this risk. Also, be sure to take measures to prevent accidents, such as building a fence around the pool and making sure children never swim unattended.
  • Summer storms: Strong summer thunderstorms can wreak havoc on your home and cause water damage. While homeowners insurance doesn’t cover flooding, you can purchase a flood policy to reduce this risk.
  • Boating: Boating-related accidents seem to increase every summer. While small boats like kayaks and canoes are often covered by your homeowners insurance, you usually need a separate policy for large watercrafts and jet skis. The cost can vary depending on your liability coverage, the value of your boat and where it’s kept.
  • Vacation home rental: When you rent out your vacation home, you run the risk of tenants damaging the property. Homeowners insurance may provide coverage for an occasional short-term rental, but if you regularly rent out the property, you may need an additional rider or a commercial landlord or host policy.

Fortunately, you can mitigate these risks by making sure you have the proper insurance policy in place. As summer draws nearer, determine if these risks are relevant to you and contact a representative at The Prewitt Group to be sure you have the coverage you need.

spring cleaning

The wet, wintry months are almost over, and spring is just around the corner! While you may be ready to jump into spring, is your home? Cold temperatures, ice and heavy rain are really hard on your home. Before you head outside to enjoy the sunshine, warmer temperatures and blooming flowers, it’s important to freshen up and protect your home with some spring cleaning and maintenance.

Prevent water damage and get your home ready for spring with this spring cleaning and maintenance checklist. We’ll work from top to bottom and from the exterior to the interior. Here goes…

  1. Check your roof and chimneys for damage: Inspect your roof, shingles, flashing, eaves, and overhangs for signs of damage. Your roof is often the first line of defense against water entering your home, so it’s vital that it is doing its job. If you notice any damage, contact a professional roofer for repairs before it becomes a significant problem.
  2. Clean gutters and downspouts: Improper drainage from your gutters and downspouts can cause water to pool around your foundation. While spring showers are unlikely to flood your home, consistent water around your foundation is likely to cause water damage.
  3. Pressure wash the siding of your home: Once this is complete, carefully inspect all wood surfaces for weathering and paint failure. Deal with any problem areas quickly to avoid further damage! Sand the area, apply a primer and repaint.
  4. Examine the exterior caulking of your home: Damage or deterioration to the exterior walls could allow water, insects, rodents and even birds to enter your home. Make sure there are no leaks or drafts around doors or windows. If there are, seal them with caulk.
  5. Wash and weather-proof windows and doors: Wash windows and screens inside and out. If damaged, repair or replace them. Gaps in windows and doors can also allow water to enter your home. Make sure that windows and doors form a firm seal. Replace weather stripping and fill gaps with caulk, if necessary.
  6. Check your basement for cracks and leaks: Inspect your foundation walls, the floors, concrete and any mason work for cracking, damage or deterioration. If you notice multiple bricks are losing their mortar or significant cracks in the concrete, bring a professional in as soon as possible to assess your foundation’s status and prevent any further deterioration.
  7. Check for fire hazards: Frayed wires or loose-fitting plugs are potential fire hazards. Outlets, fuse boxes and extension cords also should be checked to make sure they are not overloaded. Built-up lint in the hose of your clothes dryer can also cause a fire, so be sure to vacuum it occasionally.
  8. Check your smoke detectors and fire extinguishers: Change the batteries in your smoke detectors and ensure they are in working order. Be sure your fire extinguisher is accessible and in good condition in case of an emergency.
  9. Be sure your air conditioner, furnace and water heater are running efficiently: Schedule spring maintenance for your air conditioner and water heater and change the furnace filters to keep them in good working order!

Whether you tackle a few tasks each day or set aside an entire weekend, a thorough home inspection after the last frost of the season can help you spot damage before it becomes a larger issue. Happy spring cleaning!

Spring Cleaning and Maintenance Checklist

Umbrella Policy

Whether it’s a car accident involving expensive medical bills, an incident on your property, or a slander claim, the damage expenses you’re responsible for can add up quickly and exceed the limits of your auto or homeowner’s insurance policies. Plus, unexpected events like these could easily result in a costly lawsuit.

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Snow, ice, wind and freezing temperatures can cause unexpected and devastating damages to your home and business.  The last thing you want to ring in the New Year with is frozen pipes or roof damage caused by the weight of ice or snow. Though Alabama tends to have milder winters, weather is unpredictable, so it is best to prepare for the worst. After all, you never know when another snowpocalypse will surprise us. 

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