Merry Christmas from the Stromsoe Insurance Agency Team

On behalf of all of our families, we wish your family a safe and very Merry Christmas.

Wishing you all the best,

Mike Stromsoe and the Stromsoe Insurance Agency
Total Protection Team
Phone 877.994.6787
www.siaonline.com

PS Please note our office hours for the holiday season: We are closed on December 24, 2010 and December 31, 2010. Otherwise, we are available during our regular office hours from 9-5. Also, helpful information is always available at ww.siaonline.com

PPS On a personal note, the first of our kids to join us for the holidays is our youngest Lynn. Lynn came all the way from Georgia. It was so good to hold her in my arms….. it does not get  much better. Lynn is an Army medic. Then I received the email below from a colleague who works for another insurance agency. Since we are so fortunate, I felt the need to pass it on:

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“When I was in the first Gulf War in 1990-1991, I received some Christmas cards thanking me for my job, I cannot tell you how happy and proud that made me at the time to be serving our country, please find it in your heart to send our Boys and Girls a big thank you”

Thank you,

Joseluis Quinto
Commercial Account Executive

XEROX IS DOING SOMETHING COOL

If you go to this web site, www.LetsSayThanks.com you can pick out a thank you card and Xerox will print it and it will be sent to a soldier that is currently serving in Iraq . You can’t pick out who gets it, but it will go to a member of the armed services.

How AMAZING it would be if we could get everyone we know to send one!!!  It is FREE and it only takes a second.

Wouldn’t it be wonderful if the soldiers received a bunch of these?  Whether you are for or against the war, our soldiers over there need to know we are behind them.

This takes just 10 seconds and it’s a wonderful way to say thank you.  Please take the time to pass it on for others to do.  We can never say enough thank yous.

Thanks for taking to time to support our military!

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7 Rainy Weather Driving Tips to Keep YOU Safe

Rain is the source of thousands of accidents yearly. Many of these accidents are preventable, but are caused by drivers who don’t realize that fair- and foul-weather driving is fundamentally different.

When the road is wet, the film of the water on the asphalt causes tires to lose traction. Less obvious is the fact that rain reduces driver perception — it’s harder to see through the rain — and also decreases visibility through its action on headlights, windshields and the road itself. While most people know to slow down in the rain, there are definitely other tips that will help keep you, and those who share the road with you, from becoming a statistic.

1)      Don’t use cruise control. If you hydroplane, there’s the chance your car could actually accelerate. Cruise control also allows drivers to be less vigilant and to take their foot away from the pedals — not a great idea when reaction time is so important.

2)      Turn on your headlights, even when there’s a light sprinkle. It helps you see the road, and more importantly, it helps other motorists see you. If your car is equipped with foglights, you may find it helpful to turn these on, as they throw a little extra light on the road while making your car easier to see.

3)      If it’s raining so hard that you can’t see the road or the car in front of you, pull over and wait it out.

4)      Brake earlier and with less force than you would normally. Not only does this increase the stopping distance between you and the car in front of you, it also lets the driver behind you know that you’re slowing down. Also, be more meticulous about using turn signals, so that other drivers know your intentions.

5)      Defog your windows. Rain will quickly cause your windshield to fog up. Switch on both front and rear defrosters and make sure the air conditioning is turned on. Most cars’ climate control systems will automatically engage the A/C when the windshield defrost function is selected.

6)      Allow for more travel time. You should plan to drive at a slower pace than normal when the roads are wet. Keep in mind that traffic is likely to be moving slower as well.

7)      If you start to hydroplane, don’t brake suddenly or turn the wheel, or you might spin into a skid. Release the gas pedal slowly and steer straight until the car regains traction. If you must brake, tap the brake pedal (unless you have antilock brakes, in which case you can put your foot down).

Taking a few extra precautions both before and during a drive in nasty weather, be it rain or snow will help prevent accidents and, therefore, save lives. So, remember to drive safely and buckle up!

If you have any questions about your protection, call the Stromsoe Insurance Agency Total Protection Team for the right answers to your questions.

Here are 4 EASY ways to reach us:

1. Call 877-994-6787 or 951-600-5751
2. Fax 951-677-6265
3. Email – insure@siaonline.com
4. Visit Exclusive New Website –  www.siaonline.com

Evaluate Your Property and Consider Flood Insurance

Don’t wait until the weather forecast calls for prolonged heavy rains before buying flood insurance. While this practical insurance can be purchased anytime, the policy does not take effect for 30 days. As the most common natural disaster in the country, flooding ruins millions of dollars of homes and property every year. Even so, flooding is not commonly covered in your typical homeowner’s insurance policy, making it necessary to purchase additional coverage for this costly, devastating disaster.

If you are in a high-risk flood zone, a federally regulated lender will require a would-be borrower to buy flood insurance in order to qualify for a mortgage loan. To satisfy the lender, flood insurance must be purchased in an amount that sufficiently covers the loan.

A homeowner should also buy flood insurance if he or she resides in a flood plain with no failsafe controls, such as a dam. Flood policies even pay off if the President does not declare the area a federal disaster area, which can prove to be invaluable. Because the nation’s Chief Executive Officer rarely issues such a declaration, protecting yourself is extremely important. Besides, you have to repay the federal aid you receive for home repairs related to a natural disaster so providing your own protection is the only way to ensure financial recovery suffered from flooding.

Not all homes qualify for flood coverage. For instance, flood insurance for beachfront or ocean-side property may not be available for the obvious reasons.

The Federal Emergency Management Association (FEMA) reports that more than 20,000 communities have agreed to tighter zoning and building measures to control floods. Residents of these communities can buy flood coverage from the National Flood Insurance Program (NFIP), which FEMA oversees. As of 2009, NFIP had 5.7 million flood policies inforce nationwide.

Premiums for flood insurance vary widely, depending primarily on individual risk. In determining price, flood insurance underwriters consider several factors including the property’s elevation, proximity to bodies of water, and whether the dwelling has a basement. Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters.

Call our office today! We’d be happy to assist you through the murky waters.  Here are 4 easy ways to reach us:

1. CALL 877-994-6787 or 951-600-5751
2. Fax 951-677-6265
3. Email – insure@siaonline.com
4. Visit Our Website – www.SIAonline.com