About Mike Fulmer

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So far Mike Fulmer has created 19 blog entries.

What to Do If You Need to File a Home Insurance Claim

Experiencing damage or loss to your home can be a stressful situation. However, understanding the necessary steps to take when filing a home insurance claim can help ease some of that stress and ensure a smoother claims process. Below is a general outline of what to do: Safety First: Prioritize the safety of yourself and your family. If immediate dangers, such as fires or flooding, are present, focus on ensuring everyone's well-being and evacuate if needed. Review Your Policy: Take a moment to go through [...]

What is Business Owner’s Insurance and When Do You Need It?

Your company may need insurance to survive certain unexpected—but possible—challenges. Nobody likes buying insurance. It can be confusing and expensive, and you won't see any benefit unless you have a loss, accident, or claim. But insurance can make or break your business. Without the right insurance, a theft or fire can cause devastating losses. A personal injury lawsuit can leave you struggling just to pay the legal fees and yet many small business owners don't take the time to evaluate their needs and get appropriate coverage. Business [...]

Preventing Frozen Pipes

Freezing pipes can be a common issue during cold weather, and it's important to take preventive measures to avoid potential damage. Here are some tips to help prevent pipes from freezing: Insulate Pipes - Insulate pipes in unheated areas such as basements, attics, and crawl spaces. This can help maintain a higher temperature around the pipes. Seal Cracks and Gaps - Seal any cracks or gaps in walls and around windows and doors to prevent cold air from entering and affecting the pipes. Keep Interior [...]

Christmas Light Safety Do’s and Don’t

Strands of sparkling holiday lighting make your home feel merry and bright, especially on a gloomy December day. However, if installed incorrectly, they have the potential to damage your home or electrical system. Before you grab your ladder and boxes of lights, review our list of do’s and don’ts for hanging holiday lighting strands safely. DO’s: EXAMINE LIGHTS BEFORE HANGING - Return or throw away any holiday lighting sets with cracked or broken sockets, loose connections or frayed or bare wires. Replace burned-out bulbs promptly [...]

Fireplace Safety Tips for the Holidays

Many find the winter holidays their favorite time of year with colorful decorations, warming their feet by the fire, hanging ornaments from the mantle and the special activities with friends and family. However, before hanging those ornaments by the fireplace, make sure that to get a chimney inspection and cleaning prior to burning anything. If you’ve had your chimney inspected this year, kudos. If you have not had a chimney inspection, we highly recommend getting one. In the meantime, there are some fire prevention tips we’d like [...]

Am I liable if a trick or treater falls on my property?

Whether you are liable if a trick-or-treater falls on your property and the insurance coverage that may apply can vary depending on several factors, including the circumstances of the fall and your homeowner's insurance policy. Here are some key points to consider: Premises Liability: Homeowners can be held liable for injuries that occur on their property if they are found to be negligent in maintaining a safe environment. This is known as premises liability. If a trick-or-treater falls on your property due to a hazard [...]

5 Questions Newlyweds Have About Life Insurance

  Many exciting elements make up life as a newlywed, especially when you’re just coming off the thrill of a wedding and honeymoon. You may be looking forward to settling into a new routine, while simultaneously being aware that there are certain plans you need to make together for the future. Although it may not be the first thing on your mind as a newlywed, creating a strong financial plan for your future should be an important point on your to-do list. Moreover, your financial [...]

Heat Safety: How to Recognize and Respond to Heat-Related Illnesses

Summer is here, and with it comes to the sun, heat, and the potential for heat-related illnesses. As temperatures soar, it's crucial to understand how to recognize and respond to heat-related illnesses to stay safe and prevent serious health risks. Here are some essential tips for heat safety, whether you're spending time outdoors, exercising, or working in hot conditions. Know the signs of heat-related illnesses: Heat-related illnesses can range from mild conditions like heat cramps to severe conditions like heat exhaustion or heat stroke, which [...]

Grilling Tips for Safety

As the weather warms and summer returns,  it’s time to GRILL!   There are risks that come along with grilling, regardless of which type of grill you are using. Every year, 7,000 Americans are injured while using  barbecue grills. It's usually a case of good products used incorrectly. You can prevent grilling accidents and insurance claims by ‘brushing up’ on these tips. Only use your grill outside and keep it at least 10 feet away from your house. Farther is even better. This includes portions attached to [...]

Water Safety: How to Stay Safe in Pools, Lakes, and Oceans

Water can be a great source of fun and relaxation, but it can also be dangerous if you don't take proper precautions. Whether swimming in a pool, lake, or ocean, it's important to be aware of potential hazards and to take steps to stay safe. Here are some tips for water safety that you should keep in mind. Learn to Swim The first and most important step to staying safe in the water is to learn to swim. Everyone should learn to swim, regardless of [...]

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