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Pacific Ridge Insurance
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Technology for the home has taken huge steps in the past 5 years. In fact, most everything in a home can be controlled by a mobile device and an installed home router (Wi-Fi). Implement some of these do-it-yourself items into your home to help you avoid an insurance claim:
Thermostats: Not only does a smart thermostat help you reduce your energy consumption, you can now monitor the home temperature while away on vacation. We all know someone who has experienced a frozen pipe that caused water damage. Typically this is because the thermostat wasn’t on and a cold-snap came through. Smart thermostats allow you to adjust the temperature through a Wi-Fi signal even while you’re abroad.

Smart Garage Door Openers: I think we’ve all come back home and noticed we left the garage door open all night, or even left the house only to reach your destination and think… did I leave my garage door open? Smart garage door openers work with your Wi-Fi system to notify you if the door is open or closed. You can then close it from your mobile device ensuring your items stay safe and sound.
Water sensors: Water sensors alert to you when water is standing on the floor. A great place to install a water sensor is behind a toilet, near a dishwasher and behind your refrigerator if you have a water/ice maker. Water sensors can be synced up with your existing alarm system or are available in a Wi-Fi version which at this time run around $60 each.

Smart Smoke Alarms: Smoke alarms are really the first line of defense for fires and smoke damage. Often times a fire will smolder, but the resulting smoke damage can be just as damaging. Smoke alarms, like water sensors, can be obtained by your existing home security company and tied in. Additionally, smoke alarms can be tied into your Wi-Fi alerting you if something is awry at home while you’re way.

Smart Locks: “Did you lock the front door when we left? No, I was carrying the suitcase.” Fortunately, door locks are available in a Wi-Fi enabled where you can simply lock and unlock your front door via a battery and Wi-Fi signal. Unlocked front doors are now a thing of the past.

Humidity Monitors: High humidity is another sign that you have water in your home. When humidity rises it can wreak havoc on your home. Humidity sensors come in all sorts of devices including your thermostat, furnace and even some home video monitors like the aforementioned Canary device we mentioned in our blog about home security. If the humidity is extra high, this may be a sign that water is leaking somewhere.

If technology is your thing, consider some of these options! For most people, insurance is not. Fortunately if you have questions about your home or renters insurance, call the insurance agents at Pacific Ridge Insurance. They write business across the state of Oregon from their home office in Klamath Falls, OR. Policies can easily be written over the phone by calling (888) 337-5882.  With years of insurance experience they can easily help you insure everything from your home to your auto or commercial auto insurance. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.
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FIRE EXTINGUISHER SAFETY

When was the last time you looked at your fire extinguisher to ensure it would perform if a fire broke out in your home?
A fire extinguisher is arguably one of the most important pieces of safety equipment in your home or apartment (second only to a smoke detector) and should be kept up at regular intervals. Just because you have a fire extinguisher in the home doesn’t mean that it will function in case of emergency. With these tips, however, you’ll be better set in case of emergency and in the event you have to use an extinguisher to put out a fire.

1.) Inspect your extinguisher once per month.
Inspecting your fire extinguisher will ensure the canister is charged and ready to work in case of a fire. You should inspect the extinguisher for damage and check the charge meter (typically a green to red meter near the top). Try to inspect your fire extinguisher monthly to ensure it is where you left it and that the extinguisher is in good shape.

2.) Maintenance
Your fire extinguisher really doesn’t require much, but should be maintained at least one time per year. Like any pressurized system, the canister will lose pressure over time. Ensure that it is “charged” and if required, get it recharged or replace the extinguisher.
Other items that should be considered are:
•Is your extinguisher accessible? Are there items in front of your extinguisher that would cost you time or block your access to it in case of emergency?
•Is the needle pointing to green on your extinguisher’s gauge?
•Is the nozzle in good shape (perhaps it was dropped and damaged). If not, replace the extinguisher.
•Is the pin intact and appear to be in good shape?
•Is the canister itself in good shape and free of dents, rust or obvious signs of leaks?
Keeping your fire extinguishers in your home in good working order is just one of the important steps to keeping your home and house guests safe. It is also a way to avoid a costly and emotional homeowner’s insurance claim. If you have questions about your home, auto or commercial insurance, call the insurance agents at Pacific Ridge Insurance. They write business across the state of Oregon from their home office in Klamath Falls, OR. Policies can easily be written over the phone by calling (888) 337-5882.  With years of insurance experience they can easily help you insure everything from your home to your auto or commercial auto insurance. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.
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What is a SR22?

While many refer to “SR-22 insurance,” an SR-22 is actually just a certificate your car insurer files with your state DMV to verify that you have current auto insurance.  Basically, it verifies you are insured.  It's the states way of making sure you maintain current auto insurace.  You can be required to carry an SR-22 if you have received certain violations, such as a no insurance ticket or DUII.
 If you’re required to carry an SR-22 and you already have insurance, you’ll just need to add it to your policy.  (Provided your current insurance company will issue an SR-22, not all companies do.) If you’re not insured, you’ll need to get a quote for an SR-22 auto policy or a non-owned auto policy if you do not own a vehicle.
Give Pacific Ridge Insurance a call, we can help with all your SR-22 questions. 541-273-8311
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Why do I need an SR-22?

While many refer to “SR-22 insurance,” an SR-22 is actually just a certificate your car insurer files with your state DMV to verify that you have current auto insurance.  Basically, it verifies you are insured.  It's the states way of making sure you maintain current auto insurace.  You can be required to carry an SR-22 if you have received certain violations, such as a no insurance ticket or DUII.
 If you’re required to carry an SR-22 and you already have insurance, you’ll just need to add it to your policy.  (Provided your current insurance company will issue an SR-22, not all companies do.) If you’re not insured, you’ll need to get a quote for an SR-22 auto policy or a non-owned auto policy if you do not own a vehicle.

Give Pacific Ridge Insurance a call, we can help with all your SR-22 questions. 541-273-8311
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We live in the digital age. We can get instant results like game scores, recipes and silly videos at the touch of a button. You can also get instant quotes for auto insurance, home insurance and more from specific carriers, but what you can’t do is have someone make sure that you are getting the best insurance rates for your situation and needs. That is why having a local, independent insurance agent is a smart idea.
 •Lower rates: A local, independent insurance agent will work hard to save you money. They have the ability to quote from many different insurance carriers and are able to provide you with several carrier options. Since their business is consumer-driven, your agent will provide a level of service and care with which many large carriers cannot compete.
 •Ease of service: Your local, independent insurance agent can service your insurance policies, so if there is a problem there is only one number to call if you have questions about your policy. Your agent also lives in your area so they are able to be honest and let you know if you really need specialty coverages like flood or earthquake.
 •Adaptability: Did you get a new car, buy a house or get a boat insurance policy? Your local, independent agent can assist you with all of that. Your agent is able to quote multiple types of insurance coverage like personal umbrella or business insurance as your needs change over the years. They can also update your existing policies with ease.
 •Jargon: Your local, independent insurance agent is an expert when it comes to the insurance world. If you are confused to the meanings of Comprehensive, UMBI, PIP or any of the other coverage options, your agent will be able to explain your coverage in plain, easy-to-understand language. When you purchase any type of insurance, there are a lot of ins-and-outs to consider, your agent will be there to walk you through your coverage and make sure that you understand what may or may not be covered.
 •They have it all: It bears repeating: a local, independent insurance agent is a one-stop shop. They offer auto, home, boat, motorcycle, renters, flood insurance and the list goes on. If you are looking for a coverage that they do not offer, your local, independent insurance agent can recommend a carrier who can assist with your needs.
 
When looking for insurance, consider your local, independent insurance agents in Klamath Falls, OR – Pacific Ridge Insurance. They offer personal insurance coverages for your home, vehicle and “toys.” Give Pacific Ridge Insurance a call today or visit the insurance website 24/7 to see the difference of working with a local, independent agent.
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Come to the Kruise of Klamath, Classic Car Show Saturday 6/28/2014 from 9am to 4pm at Moore Park.  There will be 500 classics on display.  At Pacific Ridge Insurance we love to insure classics!
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 FUEL FOR THOUGHT
• Teen drivers between the ages of 16 to 19 are almost four times more likely to be in a car crash than drivers of any other age groups.
• More crashes happen in July than any other month and summer is the season with the most fatal auto accidents. In 2011, the months of June, July and August made up 29% of all deadly car crashes, followed by fall with 25%.
• In 2012, the number of teens killed in traffic crashes increased almost 20% during June and July. 1,875 of those fatalities were young drivers with alcohol in their system.
• Distracted driving such as talking on a cell phone or looking away from the road to change a radio station can double a driver's reaction time.
• Teens spend approximately 44% more time driving during the summer than they do during the school year.
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Summer Fire Safety

BBQs, fireworks and campfires are not the only catalysts when it comes to fires. Sparks from ATVs, motorcycles, RVs and cars can start fires with the driver never knowing. 
 
According to the National Parks Service, “As many as 90 percent of wildland fires in the United States are caused by humans.” What it doesn’t mention: if you start a fire you may be liable for any restitution and damage costs, which could result in you being responsible for hundreds of thousands of dollars. Using proper safety techniques and having the right amount insurance may help cover some of those costs in the event you are found liable or negligent in a fire. Talk to your Klamath Falls, OR Pacific Ridge Insurance agent about how your home insurance policy may help protect you should you start a fire on your property or on a neighbor’s property. Having a personal umbrella policy may help reduce damage costs from an exhausted home insurance policy or negligence from a fire started away from your home. Ask your Pacific Ridge agent what may be right for your situation and budget. You can also visit our insurance website 24/7 to see what other insurance products we offer like boat or flood insurance. We hope you have a safe summer!
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Does my home or auto insurance cover hail damage?

Spring and summer bring wonderful warm (sometimes hot) weather. With that warmer weather, the potential for thunder and hail storms increases. According to the Insurance Information Institute, the U.S. saw more than 5,450 hail related weather events in 2013. While thunderstorms may rattle your windows a bit, hail can do serious damage to your home and vehicles. There are a few ways you can prepare and protect yourself, your home and vehicles before a hail storm hits.
 
Hail Preparation in Oregon:
 •What the hail: As defined from weather.com, hail is “Hail is precipitation in the form of a chunk of ice that can fall from a cumulonimbus cloud. Usually associated with multicell, supercell and cold front induced squall line thunderstorms, most hail falls from the central region of a cloud in a severe storm.“ Hail can range from small marble-sized pellets to the size of a softball. While hailstorms may come with little-to-no warning, being prepared ahead of time is the best defense against hailstorm.
 •Prepare your home: Your home is a large target for hail. Roofs can be severely damaged and if they are not in good repair, large enough hail could leave holes. Making sure that your roof is in good repair and all shingles/tiles are in place. This may help mitigate the damage to the roof should a large hailstorm sweep through your area. Windows are also at risk for damage. Hail (even small hail) can crack or shatter windows. Having storm shutters (or even regular shutters) help protect windows from large hail damage. A homeowner’s insurance policy with may cover the damage from hailstorms, however you should check with your insurance agent for limitations.
 •Preparing your vehicle: Unfortunately, there is not much you can do to protect your vehicles (RVs, cars, trucks, motorcycles, etc.) from hail damage. Damage to vehicles can range from small dents and dings to shattered windshields. The only real remedy is parking them undercover in a garage or carport. You can help reduce the cost of repair damage should your vehicle get dented in hailstorm with an auto insurance policy with comprehensive coverage. Your standard liability-only policy will not cover damage associated with hail damage. Of course, limitations and deductibles may apply.
 •Next steps: If your home or vehicle is damaged during a hailstorm, there are a few things that you should do. •Take photos of the damage.
 •Report the claim to your insurance carrier.
 •Temporarily mitigate your damages (cover the damage with a tarp, etc.). Your insurance carrier should follow up quickly and often can provide you with recommendations for contractors and auto repair shops.
 
While large hailstorms are not a common occurrence in Klamath Falls, OR, it is always good to be prepared. Ask the insurance experts at Pacific Ridge Insurance if your home and auto policy carry comprehensive coverage that can help protect you from inclement weather including coverage for hail damage. You can visit their insurance website 24/7 and your Pacific Ridge agent can also assist you with adding additional insurance policies like flood or earthquake.
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Replacement cost vs. Actual cash value – What does it mean?

Insurance policies are full of language and terms that may not be clear right off the bat. Many terms are specific to the industry and to the specific type of insurance that is being purchased. Two such terms are Replacement Cost and Actual Cash Value. These terms can be a bit confusing to decipher between.

Check out our website to learn the difference...http://www.pacificridgeinsurance.com/replacement-cost-vs-actual-cash-value-what-does-it-mean/
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