What if someone slips on my sidewalk?

What if someone slips on my sidewalk in front of my house… could I be held accountable?

Just suppose a neighbor slipped and fell on your icy sidewalk and ran up thousands of dollars in rehab from a chiropractor in Nyack lets say…

Would you be held responsible?

After all, ice and snow are a big part of winter in many states across the USA.

A slip on the ice could cause a back injury, neck  or even worse a head injury. It could even prove fatal.

Could you be personally  held accountable for the medical bills and any pain and suffering??

If you talk to a lawyer, like this fellow here they will say most probably not. You don’t own the sidewalk, the city or county does.

The question comes down to who created the slippery condition? Was it ice and snow? Then that is an act of God.

Did you negligently cause water to spill and ice over because of deferred maintenance? That may be another story then.


Your insurance company might think otherwise. Talk to your agent to see what your home owners policy says.

There have been examples of homeowners being sued.

If you own a business it is a totally different game. Here is a list of things you can do to protect your business from accuweather.com

1. Make sure the business is well-insured, a $1 million insurance policy won’t cover a multi-million dollar injury.

2. Keep snowblowers, shovels and salt handy at all times.

3. Make sure all employees are trained and knowledgeable to act reasonably.

4. During a snowstorm that lasts for multiple hours, get out there and shovel in a lull period.

5. If shoveling isn’t an option, contract with a local plow company before the storm.

These principles can be used to help protect your liability at home too.


Vacant home insurance

What can you learn from this DENIED homeowners insurance claim?

Just suppose your fridge Leaked for 2 Days like Tammy Godby’s did?

The Floor is ruined.

The down stairs ceiling is ruined.

The downstairs carpet is ruined.

IMAGINE having to lay out $10,000 to dry out and repair your home all due to a $5.00 ice maker hose that burst.

Here comes the BAD part.

Imagine calling your homeowners agency only to find out the claim was denied!

What would you do?




Spit nails?

How could this happen?

Isn’t this why you buy home insurance?

Lets look deeper into what happened.

Apparently the family moved OUT of their old house where the pipe had burst into a new home.

The home had been empty and VACANT for 10 days.

It was during this 10 day vacant period that the accident had happened.

Why was the claim denied?

“They denied the claim because they claimed it was customarily unoccupied,

Simply put…

If your home is VACANT without any furniture or belongings then it will be denied.


Vacant Home, Coverage Denied

You invest in a SEPARATE policy for vacant homes.

The problem is that unattended water pipes can FREEZE, burst, leak and cause major damage in a home there is no one to turn the water off in!

The lesson?

If you are moving into a new home…

And your home will be empty for a few days…

YOU can take a GAMBLE like this woman did.

Or contact your agent that helped you get home insurance in Atlanta and explain the situation so they can get you the proper coverage.


Clean your fire place regularly

Prevent chimney fires

There is nothing better than a TOASTY fire.

PLUS a good book to read.

A glass of wine.

And someone to SNUGGLE with.

Life is good 🙂

There is a dark side to fireplaces however.

What if it told you a potential house fire could start at any moment.

Are you listening yet?

chimney damage causes fires

What do you NOTICE about this picture?

Chimney damage can start home fires.

In fact did you know that an average of 22,000 fires occur each year because of chimney fires?


Did you know it cost homeowners about $ 120 million dollars a year in damages to repair them?

Did you know that about 10 people die every year from chimney fires?

What is the answer to protect your home and family?

Regular annual cleaning, inspection and maintenance by a professional chimney expert is the solution.

REMEMBER this isn’t an expense it is an INVESTMENT in your homes protection and your families welfare!

Does your chimney look like this now?

That may mean you have already had a fire and didn’t even know it.

How to tell if you have had a chimney fire

  • If you see cracks in exterior masonry
  • If you see  smoke escaping through mortar joints of masonry
  • If you see discolored and/or distorted rain cap

You have probably had a fire already.

Why wait until the roof or attic catches fire?

Keeping a clean well maintained fire place is a good home insurance policy!

Reach out to a chimney sweep and repair company today so you can enjoy many toasty safe fires in the future!

Shopping for home insurance?

Ask your agent about a local chimney sweep in your area.

Small businesses dump group coverage

Since the affordable care act more and more small businesses are dumping employee benefits.

Why would they do that?

First of all businesses with 50 or fewer employees are not required to offer health insurance under Obama Care.

In a moment though we will discuss why you might want to invest in employee benefits in Atlanta for your business.

In this survey:

  • Only 40% plan on offering coverage in 2015.
  • Only 28% plan on offering it in 2016.

The reason…

Small businesses face higher costs.

It has been particularly hard on small businesses since healthcare costs are rising.

They are encouraging employees to get coverage on the public health exchange since they might have pre-existing conditions.

They also remind them that they might get government subsidies that the employee wouldn’t get if they got employee benefits.

What about your small business?

REMEMBER that to attract the best employees a group plan can certainly make a difference.

Group benefits packages may include:

  • health plans
  • life insurance
  • disability insurance
  • Retirement plans

What makes up a quality benefits package can be different from person to person, but believe us it is a major deciding factor for your next future employee.

This can get really complicated for a small business to tackle on their own.

The easy thing for them to do is NOTHING.

So they LOSE out on the best employees.

If you want to ATTRACT and maintain quality employees, you will need to offer a customized and competitive benefits package, and working with an outsourced provider can help you to get the most coverage for money and industry.

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