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Why Washing Your Car In The Winter Is So Important

Why Washing Your Car In The Winter Is So Important

If you live in a snowy area like here in New York, chances are your car is looking pretty dirty these days.

Road salt, dirt, and snow can make your car unrecognizable.

Washing your car during the winter season may seem like a waste of time, but, it is worth it in the long run.

Road salt and moisture can cause rust on a car. Not only is rust hard to stop but it can truly do damage to your vehicle.

Taking care of your car now means that it will last longer and its overall value will remain high.

Be sure to give your vehicle a rough scrub and a waxing. Pay close attention to the areas behind the wheels, quarter panels and front grille. These are the main areas where salt and dirt are collected.

If you don’t want to do the work yourself, invest a few dollars at your local car wash. Chances are for the price you pay, your car will get an excellent wash and wax.

Winterizing your car doesn’t have to be expensive or difficult. It just takes a little time.

How will you take care of your car this winter season?

Written by: Amanda Haase

Fire Place Safety

Fire Place Safety

The chilly months are here and there is no better way to warm up than next to your fire place.

It’s important to use extra precautions when burning wood in your fire place. Just a few simple safety tips will go a long way when it comes to protecting your home and family from a possible mishap.

Only burn dry, cured wood. Wood that has been split, stacked and dried for eight to twelve months is ideal.

Burn Firewood and only firewood! Other woods such as construction scraps, painted wood’s and treated woods release chemicals into your home. Not only does this compromise the air quality in your home but it can be deadly in some situations.

Have a chimney cap installed. This will prevent objects and critters from entering through and coming in your home.

Be sure to install carbon monoxide and smoke detectors near your fireplace as well as hallways and bedroom areas.

Do you have any fire place safety tips to share with us? Let us know!

Stay safe and warm this winter season.

Written by: Amanda Haase

Maintaining Your New Year Resolutions

Maintaining Your New Year Resolutions

New Year’s Resolutions can be hard to keep when your list of goals is as long as your shopping list. Add on some stress and post-holiday slump and you’re feeling hopeless!

Don’t panic! Here are some tips to help keep your resolutions in check and on track.

Start small. Don’t jump into an unrealistic resolution. For example, instead of promising yourself to go to the gym five times a week, make a promise of three days. This will help you feel more accomplished and help your strive towards the five days.

Change one behavior at a time. Don’t get overwhelmed and think that you have to reassess everything in your life. Instead, focus on changing one thing at a time.

Talk about it. Share your goals and expectations with your family and friends. Having a support system will help you in achieving your goals.

Don’t beat yourself up. If you promised yourself to eat healthy this year and splurge on a bowl of ice cream. Don’t get down about it. We are all human and we are far from perfect. One bowl of ice cream or even a cookie will not permanently destroy your resolution. Everyone has up and downs. Simply recover from your mistakes and get back on track.

What are your New Year resolutions for 2018?

Written by: Amanda Haase

Tips To Prevent Frozen Pipes

Tips To Prevent Frozen Pipes

The winter of 2018 is forecast to be one of the coldest on record. Many homeowners and businesses will be experiencing frozen water pipes.

Low temperatures of 20 degrees and below can result in frozen or burst water pipes.

Here are some precautions to take when avoiding frozen or bursting pipes in your home:

– Keep your heat up to at lease 60-65 degrees.
– Run faucets at a slow trickle.
– Seal any areas where there is a draft.
– Open up your cabinet doors to let heat into closed spaces.
– Remove hoses from outside yard faucets.

If your pipes DO freeze, it’s OK! Just because they are frozen it does not mean they will burst. Here is what you can do:

– Leave your faucets open and call a plumber.
– Do not use a torch or open flame to thaw a frozen pipe.
– Try thawing the frozen pipe with a hairdryer. Start with the pipe closest to the faucet and work your way to the coldest section.

If your pipes have burst, turn off the water at the main shut off valve and leave your faucets on. It’s important that every member of your home know’s where the main shut off valve is located.

For more information on what damages and repairs are covered under your homeowners insurance due to a burst pipe, please give Susan or Amanda a call at (516) 249-5200.

Written by: Amanda Haase

Insuring Your New Holiday Gifts!

Insuring Your New Holiday Gifts!

The presents have been opened and Santa is headed back to the North Pole to prepare for next year’s big trip.

Was Santa extra good to you this year? Maybe you received those diamond earrings you’ve been wanting or even your dream car!

No matter how big or small, let C.H. Edwards, Inc. help insure your precious holiday gifts.

We offer a wide variety of coverage’s such as:

  • Automobile
  • Motorcycle
  • Snowmobile
  • RV
  • Jewelry
  • Fur
  • Camera

and so much more!

Don’t know what coverage is right for you? Give us a call at (516) 249-5200 and let our specialists help in finding you the perfect policy.

For more information on the coverage’s we offer or a free quotation, visit our website at www.chedwards.net.

C.H. Edwards, Inc. wishes you and your loved ones a happy and prosperous New Year!

Written by: Amanda Haase

The Gift of Life Insurance

The Gift of Life Insurance

The holiday season is officially here and people everywhere are shopping for the perfect gifts for their loved ones.

Why not give the gift of life insurance this holiday season? When you give the gift of life insurance, you are giving the gift of financial stability for the future.

When you purchase life insurance for someone else, the application will need that person’s name, date of birth, and often their social security number. You will also need to provide health information on the insured, even if you are buying a policy for a child.

Although there may be a few obstacles along the way, keep in mind that life insurance is the only financial product that guarantees financial stability for the future.

If you are interested or have questions regarding life insurance for you or a loved one, give us a call at 516-249-5200 and let us help your holiday wishes come true.

We wish you a very happy holiday season from the management and staff at C.H. Edwards, Inc.

Written by: Amanda Haase

Cut Your Own Christmas Tree This Holiday Season

Cut Your Own Christmas Tree This Holiday Season

The Thanksgiving Turkey has been carved and now it is time for the next holiday ritual – finding the perfect Christmas tree!

From Amityville to Montauk, Long Island has about a dozen tree farms where you can cut a fresh Christmas tree. These farms range from simple to full-fledged holiday extravaganzas.

So, whether you prefer a quick tree cutting errand or an all-day event, consider a visit to one of these farms.

Things to know before you go:

  • Dress appropriately. These farms are all in the open air and it will get chilly.
  • Some places do not take credit or debit cards. Go prepared with cash or check.
  • Be sure to bring your own rope in the event the farms does not provide any.

Farms to visit:

Huntington Town

Elwood Pumpkin and Christmas Tree Farm
1500 E. Jericho Tpke.
Open through Christmas Eve
Cost $12 – $18 per foot

Tilden Lane Farm
48 Wyckoff St. Greenlawn
Open weekends Nov. 26-Dec. 11
Cost $70-$80 per tree

Brookhaven Town

Carter Christmas Tree Farm
123 North Country Rd. Miller Place
Open weekends through Dec. 18th
Cost varies depending on size

Matt’s Christmas Tree Farm
305 Weeks Ave. Manorville
Open Nov. 25 – Christmas Eve, closed on Tuesdays
Cost $12-$16 per foot

Riverhead Town

Lewin Farms
Fresh Pond Ave. Calverton
Open Nov. 25th – late December
Cost $35 – $55 per tree

Southold Town

Dart’s Christmas Tree Farm
2355 Main Bayview Rd. Southold
Open November 25 – Christmas Eve
Cost varies

Santa’s Christmas Tree Farm
30105 Main Road. Mattituck
Open November 25 – end of holiday season
Cost: $75 per tree

Have a joyful holiday season!

Written by: Amanda Haase

 

How to Make Existing Windows More Energy Efficient

How to Make Existing Windows More Energy Efficient

The colder months are officially among us! Drafty windows in your home make it less comfortable for you and your family by allowing cold air to enter your home during these fall and winter months. Not only is this a cause for discomfort but it also has a negative impact on the environment.

Leaky windows require heating systems to work harder, therefore increasing energy consumption. You can help keep your home warm while being more energy efficient with a few of these helpful tips:

Caulk or add weather stripping. Small cracks and gaps around windows, which are most often found around windows in older buildings, might not seem like a big deal but can be the biggest reason as to why you have a draft! Fixing these small cracks will go a long way when it comes to keeping your home warm and saving energy.

Install window films. Plastic window films are another option for homeowners looking to keep their home warm and save energy. Heat shrink film can be cut to fit each individual leaky window in a home and help save you tons on energy costs.

Once you have sealed up the cracks and gaps in your window, be sure to open your curtains during the day time. The natural light shining in will warm your home up.

Drafty and leaky windows are bad for homeowners! Not only does it cause you to be uncomfortable but it can drive up your energy bill. Thankfully, there are options!

For information on homeowners insurance or how to save on your homeowners’ premium, give us a call at 516-249-5200.

Written by: Amanda Haase

Converting Your Home Heating System to Natural Gas

Converting Your Home Heating System to Natural Gas

Is it time to convert your home heating system from oil to a more affordable gas?

Natural gas home heating is much cheaper than oil. Not only is it cheaper, but it is clean, safe, efficient and a more dependable energy source because it is produced in the United States.

To begin the conversion process, you may contact PSE&G and ask them to recommend one of their reputable installers if you do not already have one.

The contractor can find out if there’s natural gas within 100 feet of your home so that you do not have to pay a connection charge.

Once this is determined, the contractor will remove the old boiler and oil tank if it is located inside your home. If your tank is located underground, it can be abandoned and will no longer be used to store fuel. In place of the old heating system, a gas boiler and a separate hot water heater will be installed. The last and final step would be a safety inspection of the new equipment.

After that, you can enjoy a more affordable and efficient way of heating your home.

Don’t forget to contact your insurance agent and advise them of your heating system update!

For questions or more information on homeowners insurance, please give us a call at 516-249-5200 or visit our website at www.chedwards.net

Written by: Amanda Haase

 

Transportation Network Companies

Transportation Network Companies

TNC/Ridesharing has become a popular trend over the past year. However, many consumers have unanswered questions when it comes to ridesharing and insurance.

What is a “TNC”?
TNC stands for “Transportation Network Company”. TNC’s are the companies that offer a ridesharing service. Companies such as Uber and Lyft are examples of popular “TNCs”.

What is “Ridesharing”?
Ridesharing is the use of a personal, non-commercial, privately owned vehicle to provide pre-arranged transportation to others. Passengers request a ride though the Transportation Networks app.

What is a “TNC Driver”?
A TNC Driver is someone who uses their personal, non-commercial vehicle to provide rides for others.

Who must provide insurance for the TNC Driver?
New York State law requires that a TNC provide primary insurance coverage for their drivers through a group policy. TNC drivers are able to obtain their own insurance but must meet the same insurance requirements as the TNC is required to provide.

What are the required minimum limits of insurance?
Bodily Injury Liability: $75,000/$150,000
Property Damage: $25,000
Uninsured Motorist: $25,000/$50,000
Personal Injury Protection $50,000

Will the TNC Driver’s personal automobile policy provide physical damage coverage?
No! The TNC driver’s personal automobile policy will only provide physical damage coverage if an insurer provides the coverage for a TNC drivers vehicle through an endorsement.

Is there an age and licensing requirements to become a TNC driver?
Yes, New York State law requires that TNC drivers must be at least 19 years old and hold a valid and current New York State driver’s license issued by the New York State DMV.

Are there any requirements to become a TNC driver?
Yes, the New York State DMV requires that the TNC conduct a criminal history background check along with a review of the applicant’s driving record. TNC’s must also verify that the applicants vehicles are properly registered and inspected.

If you are a TNC driver or are thinking of becoming one and have questions regarding your insurance, please give us a call at (516) 249-5200 and one of our automobile specialist will be happy to assist you.

Written by: Amanda Haase

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