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Ferrell Insurance Agency Inc.
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Visit us at Ferrell Insurance: www.ferrellinsurance.com
Visit us at Ferrell Insurance: www.ferrellinsurance.com

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How Much Snow Can Your Roof Handle?

It’s important to understand your risk of roof collapse due to the weight of snow on the roof. How much weight can a roof support? How can I prevent snow roof collapse? Should I use a snow roof rake or call a professional for roof snow removal? Get these answers and more to help prevent a roof collapse.

Estimate How Much Weight Your Roof Can Support

-Unless the roof structure is damaged or decayed, most residential roofs, regardless of the location of the house, should be able to support 20 lb per square foot of snow before they become stressed.

-In some areas of New England and in mountainous areas throughout the United States, snow loads used in home design may be considerably higher and the roofs may be able to resist a greater depth of snow.

-If you live in an area known for lots of snow, you can probably check with your building department to find out if higher loads were used at the time your home was built.

Visit: www.ferrellinsurance.com for a free quote on homeowners, renters, flood, auto, life, or health insurance - and much much more!

Or feel free to give us a call at: 708-229-3000
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Is there a winter storm on the horizon? Take some time now to gather the supplies you will need to ride out the storm at home, or to safely venture outside if you must. Once you have taken the appropriate precautions, you can focus on enjoying the winter wonderland outside your window.

Check Your Supplies

-Make sure you have a snow shovel and ice melt to keep walkways clear and safe.

--Check that you have sufficient heating fuel for your home and fuel for your generator, if you have one.

If you will be using a fireplace or wood-burning stove, you should have a good supply of dry, seasoned wood.

-Have warm clothing and blankets on hand, and stock non-perishable food items and necessary medications to last you and your family for several days.

Check back for the next couple of days to determine what other steps to take to ride out a winter storm.

Visit: www.ferrellinsurance.com to get a free quote on homeowners, auto, renters, life, health, commercial and general liability insurance.

Or feel free to give us a call at: 708-229-3000 for a free quote.
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You may think that a homeowners insurance policy provides adequate coverage for all your valuables, but policies may provide limited or no coverage for certain items — including generally expensive items — that are damaged or stolen.

For example, many homeowners policies generally have a $1,000 or $1,500 coverage amount for jewelry 💍💎👑 if the loss is due to theft. Such limits are in place to help keep homeowners policies affordable. However, if jewelry valued at $2,000 is stolen from your home and you have a $1,000 policy limit, you can only receive $1,000 from your insurer to replace the missing items.

That is when an insurance endorsement (sometimes called a rider) can provide increased coverage for your possessions. For an additional premium, this coverage can help protect you from the loss of high-end valuables such as jewelry, furs, antiques, artwork and collectibles.

Here are five tips that may help you decide whether you need valuable items coverage.

1. Read Your Insurance Policy
2. Have Your Valuables Appraised
3. Create a Home Inventory
4. Check Your Neighborhood's Crime Rate
5. Take Stock of Your Electronic Equipment

Visit 💻 www.ferrellinsurance.com for a free quote on homeowners, auto, renters, health, and commercial - and much more! Or feel free to give us a call 📞 at: 708-229-3000. 🔥🚗🏢🏠
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CONTRACTOR SCAMS AFTER A DISASTER

A devastating storm can leave flooding waters, property damage and personal injuries in its wake. Perhaps one of the least expected dangers that follows a storm is fraudulent contractors. They're such a problem that the Federal Trade Commission issued a warning about them after Hurricane Sandy.

Warning Signs
There are plenty of warning signs to watch for to avoid repair fraud. Be wary of contractors that:

-Arrive at your property unannounced.
-Offer to give you a low price because they have materials left over from a previous job.
-Provide estimates that are extremely high or low in comparison to other offers.
-Give an estimate in one lump sum and do not address the cost of individual items and tasks.
-Ask for 10% or more of the estimate price upfront.
-Insist on submitting insurance claims on your behalf.
-Ask you to endorse insurance checks to them.
-Don’t have a fixed address for their business or don’t usually operate in your area.
-Cannot provide references.
-Have records of complaints filed against them by the local Better Business Bureau.

For a free quote, on auto, home, renters insurance, etc., please visit us on the web at: www.ferrellinsurance.com or feel free to give us a call at: 708--229-3000.
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Slow Down, Move Over
Move Over laws protects tow truck drivers in all 50 states. Let’s help keep our drivers safe. Find out the Move Over law in your state:

ILLINOIS
State law requires drivers approaching stationary emergency vehicles displaying flashing lights, including towing and recovery vehicles, traveling in the same direction, to vacate the lane closest if safe and possible to do so, or slow to a safe speed.

BE SAFE ON THE ROAD FOR THE SHORT OR LONG HAUL!

💻📱Feel free to visit our website at: www.ferrellinsurance.com for a free quote on the following:

- Auto Insurance (Commercial and Personal)
- Homeowners Insurance (or Renters Insurance)
- Business Owners Insurance
- Workman's Comp. Insurance
- Life and Health (or Dental!)

- OR -

☎️☎️Give us a call at: 708-229-3000 for a free quote over the phone.

You will be glad you did!

- Ferrell Insurance Agency 😍😘
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Wet Weather Driving

Your odds for a collision in wet weather increase dramatically. Hard rain or snow can limit visibility so you can’t see the edges of the road, traffic signs or other vehicles. Slowing down is the best overall policy for wet weather driving.

See & Be Seen

Keep your windshield clean, inside and out.
Keep your wipers clean and in good condition.
Keep headlights clean.
Increase the following distance between your vehicle and the one in front of you.
Don’t drive through deep water on a flooded road.
Make sure you have adequate, full tread and properly inflated tires which allow water to escape from under the tires.
Avoid using cruise control. It can be dangerous in wet driving conditions.

Get a free quote at: www.ferrellinsurance.com for home, auto, renters, business owners, general liability, commercial auto, life and health! We offer every type of insurance you can think of! Or give us a call at: 708-229-3000.
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We now offer Uber and Lyft coverage! Contact us at the office: 708-229-3000. Or visit us on the web: www.ferrellinsurance.com.
We now insure UBER and LYFT drivers! Stop by www.ferrellinsurance.com to get a free quote - we're just a click away!
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Everybody's At Risk: Teen Crashes

BOTH CRASHES AND FATALITIES HAVE DECREASED OVER THE PAST 20 YEARS

The study examined crashes of drivers aged 15-19, from 1994-2013. Researchers found that the number of people injured each year in crashes involving teen drivers declined by 51% and the number of people killed each year in teen driver crashes declined by 56%. Strong teen driver laws, as well as other factors, are reasons for the drop in overall crash rates for teen drivers. Nevertheless, motor vehicle crashes remain the leading cause of death for teens.

EVERYBODY IS AT RISK

Nearly two-thirds of people injured or killed in a crash involving a teen driver are people other than the teen behind the wheel (ie other drivers, passengers, pedestrians, etc). Efforts to improve the skills of teen drivers help to keep all drivers safe on the road.

Recommendations:
-States should review and potentially strengthen their -Graduated Driver Licensing laws to provide as much protection as possible for teens.
-Parents should become effective in-car coaches, set a positive example, make informed decisions about access to a vehicle and manage their teen’s overall driving privileges.

Visit us on the web at: www.ferrellinsurance.com for a free quote on auto, home, renters, or business owners. Or contact us at: 708-229-3000.
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Prepping Your Home:
It’s important to ready your home for severe weather of all sorts. This is especially true in regard to thunderstorms. In addition to lightning, they can bring fire, floods, hail, strong winds and tornadoes, according to Ready.gov. To prep your home, start by:

-creating a disaster plan.
-removing trees or tree branches that could damage your property if they fell.
-repairing damaged building components, such as loose gutters and roof shingles.
-These steps should be taken well before a thunderstorm is forecasted.

If you want to take extra measures to shield your home from lightning damage, consider installing a lightning protection system, recommends Kim Loehr, spokeswoman for the Lightning Protection Institute, an organization dedicated to improving lightning protection. A complete system grounds the home and provides surge protection. Some homes, especially smart homes, are built with these systems in place, but a homeowner can have a professional install one in an average-sized home for around $2,500 to $4,000, explains Loehr.

It’s smart to be prepared because lightning is one of the most common weather perils, says Loehr, and it can be very dangerous. “Lightning can pack up to 100 million volts of power, sometimes more.”
In addition to taking steps to prepare your home, it’s always a good idea to know what’s covered by your homeowners insurance and car insurance policies, before a severe weather event strikes.

Visit us on the web at: www.ferrellinsurance.com for a free quote on homeowners, auto, renters, flood, life, health or business owners insurance. We are your one stop shop when it comes to any insurance need you may have. Or you can give us a call at: 708-229-3000 for a free quote. You will be glad you did!
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Homeowners insurance provides financial protection in the event that your home or its contents are damaged. It also provides protection if you or a family member are held legally responsible (liable) for the injuries to others or damage to their property. It's also required by most mortgage lenders.

There are different types of insurance policies that cover your home. They range from a basic policy, to those that will provide a much broader ranger of protection. Not all policies and coverage are available in all states.

WHAT'S COVERED; WHAT'S NOT?
Most homeowners insurance policies will cover damage caused by such perils as fire, windstorms, hail, lightning, theft or vandalism. There are other homeowners policies that cover additional perils as well. Typically, floods and earthquakes are excluded. It's important to talk to your agent to learn what your policy may and may not cover. And for those perils that are not covered, there may be supplemental insurance you can purchase.
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