tag:blogger.com,1999:blog-66987041953930636902012-02-28T13:27:05.217-08:00Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.comBlogger391100tag:blogger.com,1999:blog-6698704195393063690.post-43667908620833593822012-01-20T04:26:00.001-08:002012-01-20T04:26:02.095-08:00<p><a href="https://s3.amazonaws.com/files.sendible.com/907149/original.jpg"><img height="465" width="321" src="https://s3.amazonaws.com/files.sendible.com/907149/original.jpg" /></a> If your business suffers a major disaster that interrupts normal business operations, what effect will it have on your operations over the long term? Will you be able to retain customers? Will you lose valuable employees? Alternatively, does your business allow you the flexibility to operate from a different location with equipment that is easily acquired? The answers to these questions allow a business owner to determine whether business income coverage, extra expense insurance or a combination of both, is needed. <br />Businesses, especially those offering a service that can easily be replaced by another business, may face permanent loss of customers if business is interrupted for an extended period of time. Businesses whose operations depend more on employees than on location may not have a serious threat of income loss, since they can continue operating from a temporary location preserving income flow. However, operating from a temporary location and expediting delivery of replacement supplies and equipment can add up to considerable extra expense. Additional advertising may also be necessary to let people know you aren’t out of business. In many cases, a business may need both business income coverage and extra expense coverage. <br />The promise of extra expense coverage is to pay the actual and necessary extra expenses needed to continue operations, which would not have been incurred if there had not been a direct physical loss to the business. The period of restoration begins on the date of loss and ends when the property should be repaired, if reasonable speed is applied while returning the property to its pre-loss condition. Interference by building ordinance, zoning law or environmental protection law does not extend the period of time when extra expenses are payable. The period of restoration is based on the period of time during which repairs should be completed. The expiration of the policy has no bearing on this period of time.<br/><br/><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://reichleyins.blogspot.com" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a> <a href="http://www.twitter/com/ReichleyIns " title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a><br /></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&q=reichley+insurance&hl=en&cd=3&ei=sotlTLXROJWEzASQsvDsBA&sig2=nwpv-cQte5eJ-kz8_AK2kw&dtab=0&sll=39.700425,-83.932481&sspn=0.071946,0.184444&ie=UTF8&ll=39.792182,-84.101028&spn=0,0&z=12&iwloc=C " title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span><br/><br/><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com" title="View our blog"></a></p><br/><br/> </p><img width="0" style="display:none;border:0;" src="http://tracker.sendible.com/messages/23cdc2b3-9486-453f-9db1-c5e680a45617?service=Blogspot&f=1693079&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-4366790862083359382?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-33300276245619017192012-01-10T04:32:00.001-08:002012-01-10T04:32:12.564-08:00<p><a href="https://s3.amazonaws.com/files.sendible.com/906937/original.jpg"><img height="308" width="288" src="https://s3.amazonaws.com/files.sendible.com/906937/original.jpg" /></a> Wintertime and <a href="http://www.ready.gov/winter" title="Winter Weather">winter weather</a> can be tremendous fun, but cold and snow can also pose danger. Slippery roads, downed power lines and limbs, and freezing cold temperatures all bring an added measure of suspense to our daily activities. There are simple steps you can take that will take the chill off your wintertime experience. <br /><strong>In your car.</strong> It is not enough to throw a safety kit, including emergency equipment such as blankets, candles, a shovel and traction aids into the trunk of your car and think that you are ready for operating your vehicle in inclement weather. The single most important thing we can do while driving in severe winter conditions is to slow down. A safe speed for conditions might be well under the posted speed limit. Triple the normal driving distance between you and the car in front of you. If your vehicle begins to slip, immediately take your foot off the accelerator and steer gently in the direction you want the car to go. <br />If your car gets stuck, clear the snow in front of and behind your tires and spread sand, kitty litter or traction mats in the front and back of your tires. Gently accelerate until you feel the tires begin to spin. Put the car in reverse and back up slowly until stopped by the snow. Rock forward again using a low, steady speed. <br /><strong><a href="http://www.reichleyins.com/personal-insurance/home-insurance" title="Homeowners">At home.</a></strong> Have your heating system inspected to make sure it is working properly. If you have an alternative heating source, it should be UL approved and inspected before using. <br />Good insulation will also help if power is lost. Check for possible air leaks around doors and windows. Seal electrical outlets and switches on outside walls. Stock up on easy to prepare food, first aid supplies, batteries, flashlights and a battery-operated radio. <br />If you do get snowed in at home and the situation isn’t dire, just relax and preserve heat by hanging blankets over windows and doors. If you use a supplemental heating device, make sure it is UL approved, in good operating condition and maintaining safe distance from flammable items. <br /><strong>Outside.</strong> Make sure to remove garden hoses from outside faucets. Hopefully, you remembered to clean your gutters of leaves and debris. Better yet, install gutter guards. These can help keep snow and ice from building up, which can form ice damns and damage your house. Outside heating appliances like heat pumps must be clear of snow and debris to work efficiently. <br />If you have to go outside, wear tight and layered clothing and sturdy watertight shoes. Make sure to cover exposed parts of the body by wearing hats, gloves and scarves. Failure to protect skin and prolonged exposure to the cold can result in frostbite. The nose, cheeks, ears, fingers and toes (your extremities) are most commonly affected.<br/><br/><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://reichleyins.blogspot.com" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a> <a href="http://www.twitter/com/ReichleyIns " title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a><br /></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&q=reichley+insurance&hl=en&cd=3&ei=sotlTLXROJWEzASQsvDsBA&sig2=nwpv-cQte5eJ-kz8_AK2kw&dtab=0&sll=39.700425,-83.932481&sspn=0.071946,0.184444&ie=UTF8&ll=39.792182,-84.101028&spn=0,0&z=12&iwloc=C " title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span><br/><br/><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com" title="View our blog"></a></p><br/><br/> </p><img width="0" style="display:none;border:0;" src="http://tracker.sendible.com/messages/942cc8e1-47d1-49ce-88ee-84a1016970ca?service=Blogspot&f=1693079&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-3330027624561901719?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-73013604504571868162012-01-06T12:45:00.001-08:002012-01-06T12:45:03.555-08:00<p><a href="https://s3.amazonaws.com/files.sendible.com/906871/original.jpg"><img height="189" width="264" src="https://s3.amazonaws.com/files.sendible.com/906871/original.jpg" /></a> Water damage is one of the most common reasons people make claims on their home insurance. Ruptured pipes, faulty appliances and backed-up drains often lead policyholders to inspect their homeowner policy wording carefully. <br />Water damage coverage in the <a href="http://www.reichleyins.com/personal-insurance/home-insurance/" title="Homeowner Insurance">homeowner insurance</a> policy is a confusing subject. Usually, the damage caused by water will be covered, but the item causing the loss, such as a leaky pipe or broken appliance hose, will not be covered. While your insurance company will pay for the damaged flooring from a ruptured appliance hose, it will be the policyholder’s responsibility to replace the bad hose. Parts and appliances wear out and it is not the intent of an insurance policy to cover wear and tear. However, if a sudden unforeseen covered cause of loss, such as a frozen pipe, leads to water damage, the pipe repair and the resulting water damage will be covered. <br />Flood, which occurs when a nearby tributary or body of water breaches its banks and flows into your home, is not covered under homeowner insurance. You must purchase <a href="http://www.reichleyins.com/personal-insurance/flood-insurance/" title="Flood Insurance">flood insurance</a> for that. You can purchase flood insurance as long as your community participates in the <a href="http://www.floodsmart.gov" title="NFIP">National Flood Insurance Program</a>.<br/><br/><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://reichleyins.blogspot.com" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a> <a href="http://www.twitter/com/ReichleyIns " title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a><br /></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&q=reichley+insurance&hl=en&cd=3&ei=sotlTLXROJWEzASQsvDsBA&sig2=nwpv-cQte5eJ-kz8_AK2kw&dtab=0&sll=39.700425,-83.932481&sspn=0.071946,0.184444&ie=UTF8&ll=39.792182,-84.101028&spn=0,0&z=12&iwloc=C " title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span><br/><br/><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com" title="View our blog"></a></p><br/><br/> </p><img width="0" style="display:none;border:0;" src="http://tracker.sendible.com/messages/515554a9-463a-4bdd-8c90-3bcfcf02c874?service=Blogspot&f=1693079&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-7301360450457186816?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com1tag:blogger.com,1999:blog-6698704195393063690.post-40441701147182737472011-10-21T09:13:00.001-07:002011-10-21T09:13:02.052-07:00<p><a href="https://s3.amazonaws.com/files.sendible.com/670067/original.jpg"><img height="204" width="172" src="https://s3.amazonaws.com/files.sendible.com/670067/original.jpg" /></a> In a recent survey by <a href="http://www.chubb.com" title="Chubb">Chubb Insurance Group</a>, nearly 40 percent of respondents reported that they had experienced some form of water damage to their home.<br/><br/>The survey reported that few <a href="http://www.reichleyins.com/personal-insurance/home-insurance/" title="Homeowner Insurance">homeowners</a> are doing all the things they should in order to avoid water damage to their homes:</p><ul><li>31 percent never inspect washing machine hoses </li><li>36 percent do not inspect toilets </li><li>61 percent do not inspect water heaters </li><li>97 percent do not have a moisture or water detection system </li></ul><p>Most water damage claims result from accidents that occur within the home, not from weather-related events. In 2010, the average cost of these claims was a little more than $4,000. The Chubb survey noted that more than 50 percent of respondents did not have enough coverage to deal with potential water damage.<br/><br/>Water restoration experts recommend property owners do the following immediately after water damage occurs:</p><ul><li>Remove as much water as possible by mopping and blotting the saturated area </li><li>Wipe furniture to remove excess water </li><li>Place aluminum foil between furniture legs and wet carpet </li><li>Prop up wet furniture cushions for even drying </li><li>Lift drapes off flooring, loop through a coat hanger and hang on curtain rod </li><li>Remove wet area rugs </li><li>Turn on air conditioner if damage occurs in summer </li><li>Move valuable paintings, art objects and photos to a safe and dry place </li><li>Open closet doors, furniture drawers and luggage to aid in drying </li><li>Remove any wet fabrics and dry immediately </li><li>Hang furs and leather goods to dry separately at room temperature </li></ul><p>If you would like to review your coverage as it relates to water damage peril, give us a call.<br/><br/><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://www.twitter/com/ReichleyIns " title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a><br /></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&q=reichley+insurance&hl=en&cd=3&ei=sotlTLXROJWEzASQsvDsBA&sig2=nwpv-cQte5eJ-kz8_AK2kw&dtab=0&sll=39.700425,-83.932481&sspn=0.071946,0.184444&ie=UTF8&ll=39.792182,-84.101028&spn=0,0&z=12&iwloc=C " title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span><br/><br/><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com" title="View our blog"></a></p><br/><br/> </p><img width="0" style="display:none;border:0;" src="http://tracker.sendible.com/messages/849c1c71-c199-4282-97eb-06a0d7dfb5a6?service=Blogspot&f=1693079&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-4044170114718273747?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com3tag:blogger.com,1999:blog-6698704195393063690.post-73142057505235786782011-09-16T08:46:00.001-07:002011-09-16T08:46:33.603-07:00<p><a href="https://s3.amazonaws.com/files.sendible.com/579411/original.jpg"><img src="https://s3.amazonaws.com/files.sendible.com/579411/original.jpg" /></a> A home and its contents frequently represent a major portion of a person’s net worth. Failure to keep coverage current could result in a claim not being covered. Whose responsibility is it to maintain adequate insurance coverage? When all is said and done, it is the policyholder’s responsibility to review the policy regularly and inform his/her agent of any needed changes.<br/><br/>Your agent can search through the maze of complex coverages, advise you how to insure your property and help you with claim settlements, but you are the one best prepared to determine what you have that needs covered.<br/><br/>For instance, did you tell us about the remodeling project you did on your home or the jewelry you recently bought or inherited? Did you remember to tell us that you are now operating a business from your home? You need to notify your agent when changes like these occur.<br/><br/>Carefully consider the type and amount of liability coverage you need. Under the standard liability coverage, if a guest slips and falls on your wet patio, you would be covered for the individual’s medical expenses, your defense costs and a specified limit for actual damages. If the amount awarded exceeds your policy’s limits, however, your personal assets could be threatened. A personal umbrella could help you in this case. The umbrella liability policy typically affords $1 million liability coverage and blankets over your auto and home policy. This provides extra coverage if your auto and home policy limits are exhausted.<br/><br/>Don’t be complacent and just file your renewal away. Review your policy and make notes of needed changes or questions. Call us for an appointment so we can make sure you have the coverage that you expect.<br/><br/><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://reichleyins.blogspot.com" title="View our blog"></a> <a href="http://www.twitter/com/ReichleyIns " title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a><br /></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&q=reichley+insurance&hl=en&cd=3&ei=sotlTLXROJWEzASQsvDsBA&sig2=nwpv-cQte5eJ-kz8_AK2kw&dtab=0&sll=39.700425,-83.932481&sspn=0.071946,0.184444&ie=UTF8&ll=39.792182,-84.101028&spn=0,0&z=12&iwloc=C " title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span><br/><br/><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com" title="View our blog"></a></p><br/><br/> </p><img width="0" style="display:none;border:0;" src="http://tracker.sendible.com/messages/e555867e-a860-4988-bb2d-638c7d200c6f?service=Blogspot&f=1693079&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-7314205750523578678?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com1tag:blogger.com,1999:blog-6698704195393063690.post-16987742736963600362011-08-18T09:03:00.003-07:002011-08-18T09:03:28.828-07:00<p>Earlier this month the Ohio Department of Insurance (<a href="http://www.insurance.ohio.gov" title="ODI">ODI</a>) announced 2010 average auto and homeowners insurance rates were among the most competitive in the United States. <br/><br/>Ohio has the 11th lowest <a href="http://www.reichleyins.com/personal-insurance/auto-insurance">auto insurance </a>and 9th lowest <a href="http://www.reichleyins.com/personal-insurance/home-insurance">homeowners insurance </a>average premiums in the country, according to the National Association of Insurance Commissioners (<a href="http://www.naic.org" title="NAIC">NAIC</a>). <br/><br/>Read more in <a href="http://www.insurance.ohio.gov/Newsroom/Pages/08102011AutoHomeRates.aspx" title="2010 Auto Home Rates">this article </a>from the ODI.<br/><br/><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://www.twitter/com/ReichleyIns " title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a><br /></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&q=reichley+insurance&hl=en&cd=3&ei=sotlTLXROJWEzASQsvDsBA&sig2=nwpv-cQte5eJ-kz8_AK2kw&dtab=0&sll=39.700425,-83.932481&sspn=0.071946,0.184444&ie=UTF8&ll=39.792182,-84.101028&spn=0,0&z=12&iwloc=C " title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span><br/><br/><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com" title="View our blog"></a></p><br/><br/> </p><img width="0" style="display:none;border:0;" src="http://tracker.sendible.com/messages/16a06889-7cb6-444e-81e1-a8d8d860776f?service=Blogspot&f=1693079&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-1698774273696360036?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-81976328288256074822011-07-11T07:18:00.001-07:002011-07-11T07:25:34.867-07:00<a href="https://s3.amazonaws.com/files.sendible.com/397961/original.jpg"><img src="https://s3.amazonaws.com/files.sendible.com/397961/original.jpg" /></a>&nbsp;One very large advantage to insuring unique and unusual items on a personal property floater is that this policy provides broader coverage than provided by the contents coverage in your homeowners policy. This adds special emphasis to insuring items that, while there is no specific limit in the policy, may be subject to loss from perils that the personal property section of your policy does not provide.<br />An example might be fine arts, such as a <a href="https://www.shophummel.com/" title="Hummel web site">Hummel</a> collection. These fine arts items are especially susceptible to breakage, yet the named perils coverage found in the homeowners policy provides no coverage for simply dropping and breaking your piece of fine statuary.<br />Some other items with special limitations in the homeowners policy you might seek a higher limit under the personal property floater includes jewelry, precious and semi-precious stones, furs, guns, and silverware, to name a few. While this is an incomplete list, it demonstrates why certain items are limited separately in the policy because of their uniqueness. The modern homeowners insurance policy is written in easy-to-read language the average person can review.<br />If you are unsure about your coverage after personal review of your policy, contact our office so we can work on this together.<br /><i><a href="http://www.reichleyins.com/" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i><br /><div style="text-align: center;"><br /></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.reichleyins.com/" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Our dedication makes the difference...</span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" src="https://s3.amazonaws.com/sendible/15374/original.png" width="30" /></a>&nbsp; <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a>&nbsp;<a href="http://www.twitter/com/ReichleyIns" title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&amp;q=reichley+insurance&amp;hl=en&amp;cd=3&amp;ei=sotlTLXROJWEzASQsvDsBA&amp;sig2=nwpv-cQte5eJ-kz8_AK2kw&amp;dtab=0&amp;sll=39.700425,-83.932481&amp;sspn=0.071946,0.184444&amp;ie=UTF8&amp;ll=39.792182,-84.101028&amp;spn=0,0&amp;z=12&amp;iwloc=C" title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman, times;">&nbsp;</span></span></i></div><div style="text-align: center;"><br /></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="http://www.blogger.com/mail%20to:%20info@reichleyins.com"></a></span></span></i></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span><br /><br /><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com/" title="View our blog"></a></div><br /><br /><br /><img src="http://tracker.sendible.com/messages/9f3ed63d-98e8-4621-9268-d68e1a2882bb?service=Blogspot&amp;f=1693079&amp;view=true" style="border-bottom: 0px; border-left: 0px; border-right: 0px; border-top: 0px; display: none;" width="0" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-8197632828825607482?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-22179239646428666472011-07-08T11:35:00.001-07:002011-07-08T11:35:47.327-07:00<p> <a href="https://s3.amazonaws.com/files.sendible.com/392899/original.jpg"><img height="221" width="330" src="https://s3.amazonaws.com/files.sendible.com/392899/original.jpg" /></a> Your homeowners insurance policy places limits on certain types of property. In you policy there is a section titled, "Special Limits on Certain Property." This section will list various items and place a dollar limit on each type of property - such as jewelry, fine arts or money.<br/><br/>Why do insurance policies contain such provisions? The homeowners insurance policy is written to provide coverage for the average policyholder. Most of us do not own collections or keep large amounts of cash at our homes. While the policy provides some limited coverage for special types of property, it in no way serves the needs of the unique collector.<br/><br/>There is, however, a solution for the collector or owner of unusual property items. It is possible to amend your homeowners policy, by endorsement, to provide special coverage for unique collection items such as coins or stamps. By asking your agent to include a scheduled property floater in your coverage, you can specifically insure items of special interest. The personal property floater also expands coverage for perils not included in the homeowners policy.<br/><br/><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://www.twitter/com/ReichleyIns " title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a><br /></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&q=reichley+insurance&hl=en&cd=3&ei=sotlTLXROJWEzASQsvDsBA&sig2=nwpv-cQte5eJ-kz8_AK2kw&dtab=0&sll=39.700425,-83.932481&sspn=0.071946,0.184444&ie=UTF8&ll=39.792182,-84.101028&spn=0,0&z=12&iwloc=C " title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span><br/><br/><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com" title="View our blog"></a></p><br/><br/> </p><img width="0" style="display:none;border:0;" src="http://tracker.sendible.com/messages/8fe253d4-f4b8-49fb-b859-83060fba651e?service=Blogspot&f=1693079&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-2217923964642866647?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-43470090688529904302011-06-24T14:17:00.000-07:002011-06-24T14:26:44.301-07:00The recent storms in our area have caused hail and/or wind damage to a large number of motor vehicles. Many people have been informed by their insurance company adjusters that the damage to the vehicle exceeds that vehicle’s worth and therefore is deemed to be a “total loss.” In order for the full auto claim to be paid, a salvage title must be issued.<br /><br />Below is information gathered from the <a href="http://bmv.ohio.gov/">Ohio Bureau of Motor Vehicles</a> regarding salvage titles, fees and how to apply:<br /><ol><li>Apply for a salvage title in your name, changing the status of your vehicle from “regular” to “salvage.” To do this you will need your driver’s license or state issued identification and the original title. You may wish to call your local auto title agency to verify the documents you may need.<br />Xenia, Ohio Auto Title: 601 Ledbetter Road #B, Xenia OH 45385, 937-562-5055<br />Note: The vehilce cannot be operated on the road while evidenced on a salvage title.</li><li>Upon completion of the repairs, contact the closest Highway Patrol Inspection Station and make an appointment to have a salvage inspection done (there is an inspection fee). Take any receipts for repairs and new parts with you to the inspection station.</li><li>Once the vehicle has successfully completed inspection, take the Form HP106 (which will be given to you at the station) along with your salvage title to any Auto Title Agency and apply for a “rebuilt salvage” title. After all of these steps have been completed, the vehicle is now operable for use on any road.</li></ol>The local fee for a salvage title is $4.00, plus an affadavit fee of $1.00 if the salvage application has not been completed and notarized.<br /><br />Salvage inspection receipts can be purchased at any License Bureau for $53.50. You will need this receipt BEFORE you call to make an appointment at the Highway Patrol Inspection Station. <br /><div><br />Due to the massive volume of auto-related storm claims, we understand that there is currently a 6 to 8 week wait for inspections. The State Patrol understands that most of the damage from the storm is strictly cosmetic; however, once a title is branded “salvage,” it must be inspected before it can legally be driven on roadways.</div><br />You can take the form HP106 and your salvage title to any title office to apply for a rebuilt salvage title. The fee for this title is $15.00, plus $1.00 if the application has not been completed and notarized. The branding, “rebuilt salvage” will follow the vehicle through all subsiquent transactions.<br /><br />Should you have any questions regarding the inspection, please contact one of the following Ohio State Patrol Inspection Stations:<br /><br />Miami County:&nbsp; 937-335-6412, 1275 Experiment Farm Rd., Troy OH 45373<br />Hamilton County: &nbsp;513-777-5547 9971 Cin-Day Rd., Westchester OH 45069<br />Hancock County:&nbsp; 419-423-2957 8210 Suite #D, C.R. 140, Findlay OH 45840<br />Franklin County:&nbsp; 614-644-1667 1583 Alum Creek Dr., Columbus OH 43209<br /><br /><a href="http://bmv.ohio.gov/salvage_inspection.stm">Click here</a> for more information.<br /><br /><div class="MsoNormal" style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 0in 0in 0pt;"><i style="mso-bidi-font-style: normal;"><span style="color: #2d2d2d; font-family: &quot;Calibri&quot;, &quot;sans-serif&quot;; mso-bidi-font-family: Arial;"><a href="http://reichleyins.com/"><span style="mso-ansi-font-size: 12.0pt;"><span style="color: #003366;">Reichley Insurance Agency</span></span></a></span></i><i style="mso-bidi-font-style: normal;"><span style="color: blue; font-family: &quot;Calibri&quot;, &quot;sans-serif&quot;; mso-bidi-font-family: Arial;"> </span></i><i style="mso-bidi-font-style: normal;"><span style="color: #2d2d2d; font-family: &quot;Calibri&quot;, &quot;sans-serif&quot;; mso-bidi-font-family: Arial;">is committed to excellence.&nbsp; We pride ourselves on offering our clients reliable coverage and great service.&nbsp; As an independent <state w:st="on"><place w:st="on">Ohio</place></state> insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country.&nbsp; Our team of trusted agents will work with you to find a policy that meets your needs - and falls within your budget.</span></i></div><div class="separator" style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; clear: both; text-align: center;"><a href="http://www.reichleyins.com/"><img border="0" height="80" i$="true" src="http://4.bp.blogspot.com/-FImbpS_pU8A/TgT84p0hjlI/AAAAAAAAADY/4kjECWk_P_8/s200/Reichley_Ins_logo_spot.jpg" width="200" /></a></div><div class="separator" style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; clear: both; text-align: center;"><em><span style="font-family: &quot;Trebuchet MS&quot;, sans-serif;">Our dedication makes the difference...</span></em></div><div class="separator" style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; clear: both; text-align: center;"><br /></div><div class="separator" style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; clear: both; text-align: center;"><span id="goog_1803386232"></span><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618"><img border="0" i$="true" src="http://2.bp.blogspot.com/-cq4TezaLgJg/TgT8-qResOI/AAAAAAAAADc/B0wLQwi84Jc/s1600/40px-Facebook_favicon_eps.png" /></a>&nbsp; <span id="goog_1803386233"></span><a href="http://www.reichleyins.blogspot.com/"><img border="0" i$="true" src="http://1.bp.blogspot.com/-0v3agthHUN0/TgT9Bo0LJMI/AAAAAAAAADg/xbWNBb2D0R4/s1600/blogger_logo+sm.jpg" /></a>&nbsp;<a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a"><img border="0" i$="true" src="http://4.bp.blogspot.com/-dpciFTLrYeY/TgT9FvO7mHI/AAAAAAAAADk/WPqjE5UAVNk/s1600/linkedin2.png" /></a>&nbsp;<a href="http://www.twitter/com/ReichleyIns"><img border="0" i$="true" src="http://2.bp.blogspot.com/-zQwAWWI4Mys/TgT9kDM5GtI/AAAAAAAAADw/WEGaX2ua6Dc/s1600/Twitter+4878469810_63dd0e0050_o.png" /></a></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><br /></div> <br /><div class="separator" style="clear: both; text-align: center;"><a href="http://www.reichleyins.com/contact-us/feedback/"><img border="0" i$="true" src="http://4.bp.blogspot.com/-5I1EowU0SfM/TgT9MSE0OQI/AAAAAAAAADs/k9I3AB6H-SE/s1600/feedback-btn+pnt.jpg" /></a></div> <br /><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><br /></div><div align="center" class="MsoNormal" style="margin: 0in 0in 0pt;"><br /></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-4347009068852990430?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com2tag:blogger.com,1999:blog-6698704195393063690.post-68496064486227475212011-05-20T06:26:00.001-07:002011-05-20T08:40:19.743-07:00<a href="https://s3.amazonaws.com/files.sendible.com/294729/original.jpg"><img src="https://s3.amazonaws.com/files.sendible.com/294729/original.jpg" /></a>&nbsp;The <a href="http://www.iihs.org/" title="IIHS">Institute for Highway Safety</a> has provided a method to take much of the guesswork out of selecting the proper booster seat for your child. Seat belts are designed with adults in mind - so a child booster seat is an absolute necessity, and extra care needs to be taken when securing young children.<br /><br />Children usually resist wearing a seatbelt because it is uncomfortable. Boosters elevate children so that the safety belts installed in vehicles by manufacturers will fit the child better. The booster seat allows the lap belt to fit properly over the child’s thighs and not their abdomen. The shoulder belt should fit across the middle of the child’s shoulder. Not only will the belt be more comfortable, it will provide maximum protection in a crash.<br /><br />The institute’s researchers used a specially designed test dummy configured as a 6-year-old child. The researchers determined the effectiveness of how a 3-point lap and shoulder belt fit the dummy under a range of configurations representing many different automobile models. Based on a range of scores, a booster seat rating was assigned to each seat.&nbsp; <a href="http://www.iihs.org/research/topics/boosters/default.html" title="IIHS Booster Seat Research">Click here</a> to read more.<br /><br /><i><a href="http://www.reichleyins.com/" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i><br /><div style="text-align: center;"><br /></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.reichleyins.com/" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Our dedication makes the difference...</span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" src="https://s3.amazonaws.com/sendible/15374/original.png" width="30" /></a>&nbsp; <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a>&nbsp;<a href="http://reichleyins.blogspot.com/" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a>&nbsp;<a href="http://www.twitter/com/ReichleyIns" title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&amp;q=reichley+insurance&amp;hl=en&amp;cd=3&amp;ei=sotlTLXROJWEzASQsvDsBA&amp;sig2=nwpv-cQte5eJ-kz8_AK2kw&amp;dtab=0&amp;sll=39.700425,-83.932481&amp;sspn=0.071946,0.184444&amp;ie=UTF8&amp;ll=39.792182,-84.101028&amp;spn=0,0&amp;z=12&amp;iwloc=C" title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman, times;">&nbsp;</span></span></i></div><div style="text-align: center;"><br /></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="http://www.blogger.com/mail%20to:%20info@reichleyins.com"></a></span></span></i></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span><br /><br /><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com/" title="View our blog"></a></div><br /><br /><br /><img src="http://tracker.sendible.com/messages/67362001-c4c6-4e5d-907c-bbd232fd702a?service=Blogspot&amp;f=784780&amp;view=true" style="border-bottom: 0px; border-left: 0px; border-right: 0px; border-top: 0px; display: none;" width="0" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-6849606448622747521?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-7945823418920444532011-04-12T08:26:00.001-07:002011-04-12T08:26:40.045-07:00<p> <a href="https://s3.amazonaws.com/files.sendible.com/235227/original.jpg"><img src="https://s3.amazonaws.com/files.sendible.com/235227/original.jpg" /></a> Upon buying a home for which the inspection showed signs of roof deterioration, the new homeowner immediately had the roof replaced. Several months later, after a heavy rain, water damage was noticed on the ceiling and wall. Further inspection revealed additional damage to silk drapery and a side chair that also had a silk covering.<br/>The homeowner contacted his agent who requested the company have an adjuster meet with the policyholder and inspect the damage. After inspection by the adjuster, a contractor and the homeowner, it was determined that the damage was the result of the roofer improperly installing the flashing around the brick chimney. There was no damage found from any other source.<br/>Determining what is and isn’t covered requires some review. The house was insured on an HO-3 special perils coverage form, a commonly used policy. Under this policy, the structure itself is insured for all perils subject to policy exclusions, but the contents are covered for the named perils listed in the policy.<br/>It is not the purpose of the homeowner policy to respond to damage that should rightly be the responsibility of the craftsman. In this case, the homeowner had to contact the roofer to seek restitution. When the homeowner and roofer entered into a contract to install the new roof, there was an implied, and perhaps written, warranty that the work would be done in a skillful and professional manner.<br/>Subject to underwriting review you may be able to add a special perils contents endorsement to your policy, which in this case would have covered the damaged contents. Give us a call if you have any questions.<br/>Knowing the cause of the loss, the agent searched for coverage and found the following:</p><ol><li>Damage to the interior ceiling and wallpaper were covered since these items were part of the structure, which was insured for all perils subject to exclusions.</li><li>The contents damage was not covered because contents coverage is subject to the named perils listed in the policy, and none applied. For coverage to apply for rain damage to contents, there must first be damage to the structure’s exterior.</li><li>The roof flashing repair was not covered because faulty workmanship and repair are both excluded causes of loss.</li></ol><p><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://reichleyins.blogspot.com" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a> <a href="http://www.twitter/com/ReichleyIns " title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a><br /></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&q=reichley+insurance&hl=en&cd=3&ei=sotlTLXROJWEzASQsvDsBA&sig2=nwpv-cQte5eJ-kz8_AK2kw&dtab=0&sll=39.700425,-83.932481&sspn=0.071946,0.184444&ie=UTF8&ll=39.792182,-84.101028&spn=0,0&z=12&iwloc=C " title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span><br/><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com" title="View our blog"></a></p><br/> </p><img width="0" style="display:none;border:0;" src="http://tracker.sendible.com/messages/2c838e37-2f46-4c45-b49b-24c17b36a166?service=Blogspot&f=784780&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-794582341892044453?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-8872043579271860442011-03-24T12:17:00.001-07:002011-03-24T12:17:55.717-07:00<p><img src="https://s3.amazonaws.com/files.sendible.com/189371/original.jpg" /> <span style="font-size: 12px; font-family: helvetica;">Upon experiencing a covered loss to your home that renders it uninhabitable, your homeowner policy provides for the temporary increase in living expenses.   </span><br/><br/><span style="font-size: 12px; font-family: helvetica;">ALE pays for reasonable costs for temporary living facilities, moving, furniture, appliance rentals, and meals out as needed. It pays almost any living expense that is truly additional. ALE pays for any expense that you would not have if your home hadn’t been damaged.   </span><br/><br/><span style="font-size: 12px; font-family: helvetica;">Any amounts paid under this coverage are offset against living expenses that are lower, such as heating and cooling in your vacant house which is substantially cheaper during the period of absence.</span><br/><br/><span style="font-family: helvetica;"><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></span></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img src="https://s3.amazonaws.com/sendible/15374/original.png" height="30" width="30" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://reichleyins.blogspot.com" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a> <a href="http://www.twitter/com/ReichleyIns " title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a><br /></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&q=reichley+insurance&hl=en&cd=3&ei=sotlTLXROJWEzASQsvDsBA&sig2=nwpv-cQte5eJ-kz8_AK2kw&dtab=0&sll=39.700425,-83.932481&sspn=0.071946,0.184444&ie=UTF8&ll=39.792182,-84.101028&spn=0,0&z=12&iwloc=C " title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i></p><p style="text-align: center;"><span style="font-family: helvetica;"><i><span style="font-size: small;">Toll Free: 87-REICHLEY (877-342-4539)</span></i></span></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><span style="font-family: helvetica;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a></span> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span><br/><br/><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com" title="View our blog"></a></p><img width="0" style="display:none;border:0;" src="http://tracker.sendible.com/messages/a74ede21-80a2-4709-b440-12ae10e332f3?service=Blogspot&f=784780&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-887204357927186044?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-81531876526783528332011-03-07T07:31:00.001-08:002011-03-07T14:01:19.183-08:00<a href="https://s3.amazonaws.com/files.sendible.com/167831/original.jpg"></a><a href="https://s3.amazonaws.com/files.sendible.com/167841/original.jpg"><img src="https://s3.amazonaws.com/files.sendible.com/167841/original.jpg" /></a>&nbsp;Warm weather is just around the corner, and for many of us, so is our summer vacation. Some of you will use your own vehicle and drive to your destination, while others will choose a rental vehicle for the trip, or take some other form of transportation to the destination and rent a vehicle for use while there. Whatever your situation, you need to be aware of how coverage might extend to that rental car from your personal auto policy.<br /><br />Car rental companies used to provide their own physical damage coverage with very large deductibles of $2,500 up to $5,000. They would make the renter responsible for that large deductible. If the renter had physical damage coverage on at least one of his own cars, and was involved in an accident in the rental car, the renter would limit his responsibility to his own deductible, probably less than $500. The personal auto policy would pay the amount up to the rental car company’s deductible, and then the rental car company’s own insurance would pay the balance.<br /><br />To save money, most rental car companies stopped buying physical damage coverage on their large fleets. The rental contracts changed to make the renter responsible for the total value of the auto, including other indirect costs, such as their administrative fees and loss of rental use of the auto. This amount could easily move into the tens of thousands of dollars.<br /><br />Rental car companies like for you to take out their collision damage waiver insurance. You should be aware that most rental car companies’ contracts for collision damage waiver will not pay if the renter violates any restrictions regarding the use of the rental car. Some of these restrictions might include use by an underage driver, failure to buckle up or engaging in risky behavior with the vehicle, such as racing or driving under the influence.<br /><br />You don't have to navigate this issue on your own.&nbsp; We're here to help.&nbsp; Contact us to find out more about how your personal auto policy may or may not extend coverage to rental vehicles.<br /><br /><i><a href="http://www.reichleyins.com/" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i><br /><div style="text-align: center;"><br /></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.reichleyins.com/" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Our dedication makes the difference...</span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" src="https://s3.amazonaws.com/sendible/15374/original.png" width="30" /></a>&nbsp; <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a>&nbsp;<a href="http://reichleyins.blogspot.com/" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a>&nbsp;<a href="http://www.twitter/com/ReichleyIns" title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&amp;q=reichley+insurance&amp;hl=en&amp;cd=3&amp;ei=sotlTLXROJWEzASQsvDsBA&amp;sig2=nwpv-cQte5eJ-kz8_AK2kw&amp;dtab=0&amp;sll=39.700425,-83.932481&amp;sspn=0.071946,0.184444&amp;ie=UTF8&amp;ll=39.792182,-84.101028&amp;spn=0,0&amp;z=12&amp;iwloc=C" title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman, times;">&nbsp;</span></span></i></div><div style="text-align: center;"><br /></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="http://www.blogger.com/mail%20to:%20info@reichleyins.com"></a></span></span></i></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span><br /><br /><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com/" title="View our blog"></a></div><br /><br /><br /><img src="http://tracker.sendible.com/messages/56128cf1-f13a-41fa-8e13-9e68cb49ab98?service=Blogspot&amp;f=784780&amp;view=true" style="border-bottom: 0px; border-left: 0px; border-right: 0px; border-top: 0px; display: none;" width="0" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-8153187652678352833?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-77864884098508756362011-02-17T00:08:00.001-08:002011-02-17T00:08:12.856-08:00<p><em>Looking over the driver's shoulder to keep them safe...</em> <br/><br/><a href="https://s3.amazonaws.com/files.sendible.com/143821/original.jpg"><img src="https://s3.amazonaws.com/files.sendible.com/143821/original.jpg" /></a> When you are driving, do you keep your eyes on the road at all times? You may be tempted to answer yes, but we all take our eyes off the road due to distractions. We have talked in the past about the dangers of cell phone use, and the fact that many states have already restricted cell phone use while driving. All the attention on cell phones has distracted our attention away from an equally threatening culprit – radios and CD players.<br/><br/>According to the <a href="http://www.chp.ca.gov" title="CHP">California Highway Patrol</a>, changing CDs or fiddling with your radio is the number one cause of distracted driving, even ahead of cell phones. Some observers point out that the numbers may be a bit skewed as some drivers use the excuse of radio or CD player use so they won’t have to admit doing something illegal, such as using their cell phone. However, some law enforcement officials request to examine cell phones to determine if they were in use at the time of the accident.<br/><br/>Experts say that taking our eyes off the road while traveling at freeway speed to search radio stations or dial a phone number is equivalent to traveling the length of a football field without ever seeing what is around you. There are many culprits waiting to distract us while driving. Dealing with unruly kids and eating while driving are both in the top five causes of inattentive driver crashes. The <a href="http://www.nhtsa.gov" title="NHTSA">National Highway Traffic Safety Administration</a> has produced a <a href="http://www.nhtsa.gov/staticfiles/nti/distracted_driving/pdf/811299.pdf" title="Distracted Driver pdf">Driver Distraction Program</a> to raise awareness.<br/><br/>The federal government has expanded their fight against driving distractions by pressuring automakers to rethink gadgetry they install in automobiles. Automakers advise they are trying to develop ways to provide useful amenities, but in a safe way. For example, automakers are working on systems that would mute ringers on in-car cell phones if the brake pedal is pressed or the headlights or windshield wipers are activated.<br/><br/>The fascination of all our modern gadgets, the use of which has become almost addictive, must be controlled to avoid needless accidents and injury. Many jurisdictions are making this kind of distracted driving a valid legal issue that, if proven, can result in a driver’s absolute liability in an accident.<br/><br/><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://reichleyins.blogspot.com" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a> <a href="http://www.twitter/com/ReichleyIns " title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a><br /></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&q=reichley+insurance&hl=en&cd=3&ei=sotlTLXROJWEzASQsvDsBA&sig2=nwpv-cQte5eJ-kz8_AK2kw&dtab=0&sll=39.700425,-83.932481&sspn=0.071946,0.184444&ie=UTF8&ll=39.792182,-84.101028&spn=0,0&z=12&iwloc=C " title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span><br/><br/><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com" title="View our blog"></a></p><br/><br/> </p><img width="0" style="display:none;border:0;" src="http://tracker.sendible.com/messages/7a459099-4156-41ae-834f-0ed2e972196f?service=Blogspot&f=784780&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-7786488409850875636?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com1tag:blogger.com,1999:blog-6698704195393063690.post-24575249766508437102011-02-11T12:50:00.001-08:002011-02-11T12:50:41.036-08:00<p> <a href="https://s3.amazonaws.com/files.sendible.com/143765/original.jpg"><img src="https://s3.amazonaws.com/files.sendible.com/143765/original.jpg" /></a> Aside from the most avid winter lovers, we are all eagerly anticipating spring. Unfortunately, we still have a few months of the ravages of winter storms and temperatures. Typically, February is one of our worst winter months with cold temperatures and snowfall extending well into March.<br/><br/>There are things that we need to do to protect against winter losses, regardless of the severity of the season.<br /><strong>Suggestions:</strong><br/><br/><strong>Vehicle tune-up</strong> - monitor antifreeze and wiper fluid levels, and make sure the battery is fully charged.<br/><br/><strong>Tires</strong> - worn tires won’t help you much on snowy roads. They also present the possibility of a blowout; you do not want to be changing a tire in the snow and ice.<br/><br/><strong>Emergency Gear</strong> - You should create a winter weather kit with sand, a flashlight, jumper cables, ice scraper, snow shovel, and extra warm clothes. Keep warning devices available, such as flares and a piece of cloth to tie to your car antenna to signal your need for help. Keep some non-perishable food and spare batteries on hand.<br/><br/>When heading out in bad weather let someone know where you are going and when to expect your return. Drive slowly and keep an eye open for changing weather conditions. By simply slowing down your driving you will have more time to react. Drive carefully and use common sense.<br/><br/><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://reichleyins.blogspot.com" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a> <a href="http://www.twitter/com/ReichleyIns " title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a><br /></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&q=reichley+insurance&hl=en&cd=3&ei=sotlTLXROJWEzASQsvDsBA&sig2=nwpv-cQte5eJ-kz8_AK2kw&dtab=0&sll=39.700425,-83.932481&sspn=0.071946,0.184444&ie=UTF8&ll=39.792182,-84.101028&spn=0,0&z=12&iwloc=C " title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span><br/><br/><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com" title="View our blog"></a></p><br/><br/> </p><img width="0" style="display:none;border:0;" src="http://tracker.sendible.com/messages/a2e2c4e5-fd04-45c7-8087-f1c2a19fcd83?service=Blogspot&f=784780&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-2457524976650843710?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-84681009677856569912011-02-04T13:28:00.001-08:002011-02-04T13:28:36.035-08:00<p><a href="https://s3.amazonaws.com/files.sendible.com/137541/original.jpg"></a><a href="https://s3.amazonaws.com/files.sendible.com/137555/original.jpg"><img src="https://s3.amazonaws.com/files.sendible.com/137555/original.jpg" /></a>  Subrogation is a method by which your insurance company can seek reimbursement against a third party who is at fault in a claim that has resulted in a loss to you. Sometimes your insurer will pay a claim to you for property that was damaged by someone else. When your insurer acts on your behalf in this way, they ask you to transfer to them your rights to collect against the wrongdoer. Using rights of subrogation, your insurer then goes after reimbursement from the other party.<br/><br/>This can be very useful to you if the wrongdoer’s insurer is taking too long to settle a claim.<br/><br/><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://reichleyins.blogspot.com" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a> <a href="http://www.twitter/com/ReichleyIns " title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a><br /></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&q=reichley+insurance&hl=en&cd=3&ei=sotlTLXROJWEzASQsvDsBA&sig2=nwpv-cQte5eJ-kz8_AK2kw&dtab=0&sll=39.700425,-83.932481&sspn=0.071946,0.184444&ie=UTF8&ll=39.792182,-84.101028&spn=0,0&z=12&iwloc=C " title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span><br/><br/><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com" title="View our blog"></a></p><br/><br/> </p><img width="0" style="display:none;border:0;" src="http://tracker.sendible.com/messages/857bcfaf-f2ed-4b1c-9ff2-255abe6c158c?service=Blogspot&f=784780&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-8468100967785656991?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-25677031323741843012011-01-24T06:53:00.001-08:002011-01-24T06:53:21.364-08:00<p> <a href="https://s3.amazonaws.com/files.sendible.com/126245/original.jpg"><img src="https://s3.amazonaws.com/files.sendible.com/126245/original.jpg" /></a> Most people would say never, and they would be right, with one little exception.  For obvious reasons, the homeowner policy was never meant to insure vehicles.  It would seem that this concept is pretty simple, but there are times when you are dealing with parts or pieces of the vehicles.  When the snow tires are removed from the vehicle, do they still fall into the definition of vehicle?<br/><br/>Upon reviewing the homeowner policy, we see that while there is clearly no intention on the insurer’s part to cover your vehicle for property or liability coverage, insurers have thought of everything.  They recognize that not all things fit into a tidy little package.  What if you are restoring a classic car?  This labor of love has already taken you two years with no end in sight.  The interior is lying in one corner of your garage and you just installed fancy new wheels and tires.  You haven’t considered insurance on this vehicle because of its state of deconstruction, and you felt that since you didn’t drive this vehicle, and it was simply stored in your garage, that you should have coverage.<br/><br/>After you have a fire in your garage, you are surprised when your adjuster tells you that the car’s interior stored in the garage is covered, but those new wheels and tires you just installed and the vehicle itself are not covered.  The homeowner policy excludes vehicles, including their equipment or their parts, while in or upon the vehicle or conveyance.  Since the car’s interior was not in or on the vehicle, there was coverage for those parts of the car. <br/><br/>Every insurance policy is unique.  If you have questions about your insurance coverage, contact us today.  Our experts will help you understand exactly what is and isn't covered by your policy. <br/><br/><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://reichleyins.blogspot.com" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a> <a href="http://www.twitter/com/ReichleyIns " title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a><br /></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&q=reichley+insurance&hl=en&cd=3&ei=sotlTLXROJWEzASQsvDsBA&sig2=nwpv-cQte5eJ-kz8_AK2kw&dtab=0&sll=39.700425,-83.932481&sspn=0.071946,0.184444&ie=UTF8&ll=39.792182,-84.101028&spn=0,0&z=12&iwloc=C " title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span><br/><br/><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com" title="View our blog"></a></p><br/><br/> </p><img width="0" style="display:none;border:0;" src="http://tracker.sendible.com/messages/208041f8-3e0e-4abb-882f-87c860ec8e52?service=Blogspot&f=784780&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-2567703132374184301?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-74722577862775754522011-01-07T13:04:00.001-08:002011-01-07T13:04:12.244-08:00<p><a href="https://s3.amazonaws.com/files.sendible.com/115369/original.png"><img height="200" width="200" src="https://s3.amazonaws.com/files.sendible.com/115369/original.png" /></a> The high cost of home heating and the current recession have led many Americans to search for alternate sources of home heating. Many of these sources of heating may be acceptable if appropriate safeguards are used. However, be aware these supplemental heating devices are responsible for thousands of home fires each year.<br/><br/><strong>Wood Stoves</strong><br/><br/>Wood stoves cause more than 4,000 residential fires each year. Carefully follow the manufacturer’s installation and maintenance instructions. Look for solid construction, such as plate steel or cast iron metal. Check for cracks and inspect legs, hinges and door seals for smooth joints and seams. Use only seasoned wood for fuel, not green wood, artificial logs or trash. Inspect and clean your pipes and chimneys annually and check monthly for damage or obstructions. Cleaning more often may be necessary. Be sure to keep combustible objects at least three feet away from your wood stove.<br/><br/><strong>Electric Space Heaters</strong><br/><br/>Buy only heaters with the Underwriter’s Laboratory (UL) safety listing. Check to make sure it has a thermostat control mechanism, and will switch off automatically if the heater falls over. Space heaters need space; keep combustibles at least three feet away from the heater. Always unplug your electric space heater when not in use.<br/><br/><strong>Kerosene Heaters</strong><br/><br/>Buy only UL-approved heaters and check with your local fire department on the legality of kerosene heater use in your community. Never fill your heater with gasoline or camp stove fuel; both flare up easily. Only use crystal clear K-1 kerosene. Never overfill any portable heater and never fuel the heater when it is hot. Use the kerosene heater in a well-ventilated room. Kerosene heaters pose perhaps the worst exposure, largely due to improper use and the fact they contain a highly flammable liquid - not to mention potentially dangerous fumes.<br/><br/><strong>Fireplaces</strong><br/><br/>Fireplaces and wood stoves regularly build up creosote in their chimneys. They need to be cleaned frequently and chimneys should be inspected for obstructions and cracks to prevent deadly chimney and roof fires. Check to make sure the damper is open before starting any fire. Never burn trash, paper or green wood in your fireplace. These materials cause heavy creosote buildup and are difficult to control. Use a screen heavy enough to stop rolling logs, and big enough to cover the entire opening of the fireplace to catch flying sparks. Do not wear loose-fitting clothes near any open flame. Make sure the fire is completely out before leaving the house or going to bed. Store cooled ashes in a tightly sealed metal container outside the home.<br/><br/>Finally, having a working smoke alarm dramatically increases your chances of surviving a fire. Always remember to practice a home escape plan frequently with your family.  For more fire safety information, visit <a href="http://www.FireSafety.gov">www.FireSafety.gov</a> today.<br/><br/><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://reichleyins.blogspot.com" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a> <a href="http://www.twitter/com/ReichleyIns " title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a><br /></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&q=reichley+insurance&hl=en&cd=3&ei=sotlTLXROJWEzASQsvDsBA&sig2=nwpv-cQte5eJ-kz8_AK2kw&dtab=0&sll=39.700425,-83.932481&sspn=0.071946,0.184444&ie=UTF8&ll=39.792182,-84.101028&spn=0,0&z=12&iwloc=C " title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"><strong>Auto | Homeowner | Life | Health | Church | Annuities | Business | Farm | Specialty Insurance Products</strong></span></span></span></p></p><img width="0" style="display:none;border:0;" src="http://tracker.sendible.com/messages/1e3cfaf6-f961-4f13-8952-7c5f2d4a1d84?service=Blogspot&f=784780&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-7472257786277575452?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-45717317601097862232010-12-27T09:01:00.001-08:002010-12-27T13:56:34.424-08:00<div style="text-align: center;">&nbsp;<a href="https://s3.amazonaws.com/files.sendible.com/106335/original.jpg"><img src="https://s3.amazonaws.com/files.sendible.com/106335/original.jpg" /></a>&nbsp;&nbsp;&nbsp;&nbsp; <a href="https://s3.amazonaws.com/files.sendible.com/106337/original.jpg"><img src="https://s3.amazonaws.com/files.sendible.com/106337/original.jpg" /></a>&nbsp; &nbsp; &nbsp;<a href="https://s3.amazonaws.com/files.sendible.com/106339/original.jpg"><img src="https://s3.amazonaws.com/files.sendible.com/106339/original.jpg" /></a></div><div style="text-align: left;">The mission of <a href="http://www.seniorcitizenscenter.org/" title="YSSC web site">Yellow Springs Senior Center</a> is to enhance the dignity, independence and quality of life for seniors in Yellow Springs and Miami Township, and to foster interaction among them and with the whole community.&nbsp; Executive Director, David Scott, aspires to lead the Center "to help build community-wide interrelations, to assist in lifelong learning, and to be an engine for improvement of community viability."&nbsp; In support of this mission, it was our pleasure to donate some office furniture to the Center this past Fall.<br /><br />We encourage you to visit the Center at 227 Xenia Avenue, or online at <a href="http://www.seniorcitizenscenter.org/">http://www.seniorcitizenscenter.org/</a> where you can access the latest edition of "<a href="http://www.seniorcitizenscenter.org/documents/Notes%202010.11.pdf" title="Senior Notes Nov 2010">Senior Notes</a>," check out the <a href="http://www.seniorcitizenscenter.org/YSSC_Schedule.htm" title="YSSC Schedule">Dates of Interest page</a>, read the latest updates on <a href="http://www.ysscannex.blogspot.com/" title="YSSC blog">YSSC blog</a>, and much more!</div><div style="text-align: left;"><br /><i><a href="http://www.reichleyins.com/" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></div><div style="text-align: center;"><br /></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.reichleyins.com/" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Our dedication makes the difference...</span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" src="https://s3.amazonaws.com/sendible/15374/original.png" width="30" /></a>&nbsp; <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a>&nbsp;<a href="http://reichleyins.blogspot.com/" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a>&nbsp;<a href="http://www.twitter/com/ReichleyIns" title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&amp;q=reichley+insurance&amp;hl=en&amp;cd=3&amp;ei=sotlTLXROJWEzASQsvDsBA&amp;sig2=nwpv-cQte5eJ-kz8_AK2kw&amp;dtab=0&amp;sll=39.700425,-83.932481&amp;sspn=0.071946,0.184444&amp;ie=UTF8&amp;ll=39.792182,-84.101028&amp;spn=0,0&amp;z=12&amp;iwloc=C" title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman, times;">&nbsp;</span></span></i></div><div style="text-align: center;"><br /></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="http://www.blogger.com/mail%20to:%20info@reichleyins.com"></a></span></span></i></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-4571731760109786223?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-44346157180854696942010-12-20T12:32:00.001-08:002010-12-20T12:38:32.154-08:00<span style="font-family: georgia, palatino;"><strong><em><span style="font-size: x-small;"><span style="color: maroon;">Thanks to our friends at Greene County Council on Aging (<a href="http://www.gccoa.org/">GCCOA</a>) for providing a list of scams to be aware of this season. Stay alert and have a wonderful, scam-free holiday season!</span> </span></em></strong></span><br /><br /><strong><span style="color: purple; font-size: small;">Internet Scams </span></strong><br /><strong>The main scam:</strong> By far the fastest-growing online holiday scam is the setting up of bogus websites offering just about everything you could want for Christmas, especially those hard to find gifts, at fantastic bargain prices. <br />You do a search for a gift you're planning to buy and suddenly you find it way cheaper than you had imagined. The website sales page looks professional, often bristling with testimonials from supposedly satisfied customers and logos suggesting top-line security. <br />These sites are easy to set up and the number has mushroomed in the past year, hosted all over the world. <br />As we previously warned, scammers will not only take your money for something they won't send you, they could also use your credit card details to buy other stuff for themselves and use your personal details for identity theft. <br /><strong>How to avoid it:</strong> Don't trust a site or name you don't know -- check them out. Don't fall for prices that are too good to be true -- they usually are. Use a one-time card number available from some credit card companies to protect your financial details. Always make sure the web site has an ‘https;//’ address, which signifies that the site’s transaction is encrypted. <br /><strong>Also watch out for:</strong> Phony ads on auction sites; eGreetings card links that take you to a bogus site or download malware onto your computer; overpriced items or flashy illustrations that lead you to think they're higher quality or better products than they really are; counterfeit designer label products. <br />Bogus free iPad offers started popping up immediately after Apple's tablet went on sale, and they've since been banned from Facebook. Still, you might see similar offers around the Web, prompting you to buy other products as a condition of getting the free iPad. By now, you should realize it's too good to be true. <br />That free $1,000 gift card offer you saw on Facebook? Bogus, of course. Security experts say that cybercrooks lure people into giving away their personal information or taking quizzes in exchange for these cards, which you then never receive. The information is then sold to marketers or used for identity theft. Gift cards sold on auction sites are quite often frauds — either they are stolen, used, or counterfeit or they aren’t worth the amount of money they’re advertised at. It’s safer to buy gift cards directly from the merchant. <strong><span style="text-decoration: underline;">Never give anyone your social security number, date of birth, or other personal information</span></strong> when buying a gift card. A legit seller would not ask for it. <br />Public Wi-Fi networks will get a workout this holiday season as people travel. This is especially true with Google offering free Wi-Fi on domestic flights from three major airlines. Number one tip: <strong><span style="text-decoration: underline;">NEVER</span></strong> shop or pay bills over a public network. Spam solicitations: Never buy anything from an unsolicited e-mail. No matter how good a deal you think you are getting, it is not worth the risk of losing your money or giving any of your information to a possible scam artist. By responding to these e-mails, you are begging to receive so much spam as to make your inbox unusable, because this lets the spammers know that you have a working e-mail address. You are also proclaiming yourself easily fooled and a great target for any number of Internet scams -- such as identity theft. It is unfortunate that spam scams have become so prevalent that they are virtually indistinguishable from legitimate advertisers -- and there are legitimate advertisers out there. But as this is the current reality, don't take the risk. <br /><br /><span style="font-size: small;"><span style="color: purple;"><strong>Charity-related Scams</strong> </span></span><br /><strong>The main scam:</strong> Holidays are just the best time for scammers to tug on our heartstrings. And the most likely place you'll encounter them is when they rattle a collection box in front of you either as you do your shopping or at your front door. <br />They may use all kinds of props to fool you, wearing seasonal costumes, dressed in familiar uniforms, wearing badges or carrying some other kind of bogus authorization. Often, scammers use kids to convince you they're genuine. <br /><strong>How to avoid it:</strong> If you don't have time to check out how genuine the collector is, simply don't give. If you want to help them, find the charity name and donate directly. Look for Salvation Army and other collectors actually inside stores -- they're a safer bet.<br /><strong>Also watch out for: </strong>Telephone solicitations (how can you possibly know the caller is who they say they are, and why on earth would you give them your credit card number?) and sellers at your doorstep who show you a charity catalog, take your money, and never come back. According to the Federal Trade Commission, many of the calls you get this year will be from scam artists. The FTC has a <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt114.shtm" title="FTC Charity Checklist">checklist </a>of warning signs to help you steer clear of charity scams. Your best bet is to not make any quick decisions, ask for information in writing and research the charity before cutting any checks. <br /><br /><span style="font-size: small;"><span style="color: purple;"><strong>Holiday Scams in the Mall</strong> </span></span><br /><strong>The main scam:</strong> Crowds mean rich rewards for pickpockets. If they steal your wallet, they'll have not only your money but also your credit cards and personal information that could lead to identify theft.<br />With a quick bump or, more often these days, a distraction from an accomplice, they can remove your wallet from your pocket or purse in seconds.<br />But why stop there? They'll take any accessible gift from your shopping bags too.<br /><strong>How to avoid it:</strong> Keep your wallet inside a closed purse or in a pocket with your hand on it. Leave non-essential identifying information and spare credit cards at home. Return frequently with gifts to your car and lock them out of sight in the trunk. If someone calls for your attention, protect your possessions first, before you react to the person calling you.<br /><strong>Also watch out for:</strong> Charity collectors as mentioned above; people hovering around you as you pay; temporary stores or booths whose operators may disappear after Christmas, leaving you unable to return goods; offers of "cheap" items from someone who approaches you in the parking lot.<br /><strong><span style="font-size: small;"></span></strong><br /><br /><strong><span style="font-size: small;"><span style="color: purple;">Holiday Scams in Your Home</span> </span></strong><br /><strong>The main scam:</strong> As mentioned above, bogus charity collectors may come knocking at your door this festive season. But one of the newer scams seen this year that's likely to take advantage of Christmas activities is the "parcel-waiting" trick. <br />You get a card through your door saying an unsuccessful attempt was made to deliver a package to your home and that you should call a particular number for more details. <br />You might reasonably be expecting a parcel at this time of year, so you call the number and get a recorded message or music that keeps you on the line for a while. In fact, you've connected to a premium line or overseas service, which will be charged at exorbitant rates on your next phone bill. <br />Or you may be asked to provide personal information that could be used for identity theft, or to give information that would let a thief know when you're going to be out. <br /><strong>How to avoid it:</strong> Check the name of the company that left the delivery notice on the Internet. Also check online lists of overseas phone codes. If the number is not a 1-800 or local call, it may well be a scam. Don't give out personal details over the phone to someone you don't know, and don't tell them when you're going to be away from your home. <br /><strong>Also watch out for:</strong> Unexpected checks that arrive just in time for your shopping (they're bogus and will be accompanied by a request for you to forward part of the cash in a Moneygram); products arrive that you didn't order (you'll be contacted later by someone who asks you to forward it -- it's probably stolen and you're the middle-person). <br /><br /><span style="color: purple;"><strong><span style="font-size: small;">Holiday Scams Out and About </span></strong></span><strong>The main scam:</strong> The holiday season is just about the most popular time for special events -- shows, sports, concerts and other events -- so it's a great opportunity for ticket forgers or bogus ticket sales. <br />These often show up online (auction and classified type ads), in newspapers and, in the case of forged tickets, outside the venue itself. <br /><strong>How to avoid it:</strong> Ideally, buy only from venues or recognized agencies. If you do buy from an individual, get their phone number and home address and check them out. If you can, find out where they work. Check online and with the venue if there have been any reports of forged or bogus sales. <br /><strong>Also watch out for:</strong> Perhaps the most annoying scam is the legal one: the high-pressure sale. It can happen anywhere -- the mall, the car lot, over the phone and even in the salon. You've been through it before: "No, really, you have to have this mousse so your hair will sit correctly. I'll just add it onto your bill," or "We have only two of these carrot juicers left. After these are gone, I won't have any more," and "This is a special price just for you, so take it or leave it because I am just about to close up shop." Rest assured, there are lots of carrot juicers in the world, and if one person is willing to give you a "good deal" on it, someone else will too. Go home, research the product and prices online, and save yourself from paying too much. <br /><br /><span style="color: purple;"><strong><span style="font-size: small;">Other Holiday-Related Scams </span></strong></span><strong>The main scam:</strong> What better gift could you give someone than the symbol of the first Christmas -- a star? Various companies claim you can name a star for between $20 and $150. These companies will send you a certificate with the name and location of "your star" and promise that your star's name will be in a star registry. <br />Here's the problem: Stars are named by the <a href="http://www.iau.org/" title="IAU">International Astronomical Union</a> -- and they aren't selling. Names for stars (and most are given numbers) are assigned according to the internationally accepted rules of the IAU. Anyone else who claims to be able to name stars has no more legal standing than your neighbor's Rottweiler. When they say your star is going into a "registry," they mean whatever registry they made up -- not the official catalog that is kept by the IAU and used by all astronomers. <br />According to the <a href="http://www.iau.org/public/buying_star_names/" title="IAU on buying star names">IAU's Web site</a>, "such 'names' have no formal or official validity whatever. Like true love and many of the other best things in human life, the beauty of the night sky is not for sale, but is free for all to enjoy." <br /><strong>How to avoid it:</strong> If you want to give someone a star, save yourself some money: Go to the closest planetarium, pick a star you think is pretty and ask the astronomer for the coordinates. Then go home and make your own certificate on your own computer.<br /><br /><i><a href="http://www.reichleyins.com/" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i><br /><i>&nbsp;</i><br /><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.reichleyins.com/" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Our dedication makes the difference...</span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" src="https://s3.amazonaws.com/sendible/15374/original.png" width="30" /></a>&nbsp; <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a>&nbsp;<a href="http://reichleyins.blogspot.com/" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a>&nbsp;<a href="http://www.twitter/com/ReichleyIns" title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&amp;q=reichley+insurance&amp;hl=en&amp;cd=3&amp;ei=sotlTLXROJWEzASQsvDsBA&amp;sig2=nwpv-cQte5eJ-kz8_AK2kw&amp;dtab=0&amp;sll=39.700425,-83.932481&amp;sspn=0.071946,0.184444&amp;ie=UTF8&amp;ll=39.792182,-84.101028&amp;spn=0,0&amp;z=12&amp;iwloc=C" title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman, times;">&nbsp;</span></span></i> </div><div style="text-align: center;"><br /></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="http://www.blogger.com/mail%20to:%20info@reichleyins.com"></a></span></span></i></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span></div><img src="http://tracker.sendible.com/messages/b7cfa32e-9ada-4763-be9f-d2b43bf0d16d?service=Blogspot&amp;f=784780&amp;view=true" style="border-bottom: 0px; border-left: 0px; border-right: 0px; border-top: 0px; display: none;" width="0" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-4434615718085469694?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-7991844519853518662010-12-13T13:58:00.001-08:002010-12-13T13:58:27.285-08:00<p><a href="https://s3.amazonaws.com/sendible/95606/original.png"><img height="162" width="226" src="https://s3.amazonaws.com/sendible/95606/original.png" /></a><br/><br/> Looking for a book of Christmas carols?  Check out the <a href="http://www.christianbluepages.com/christmas-blue-pages/songbooks/" title="Christmas Blue Pages">Christmas Blue Pages </a>– a FREE publication from <a href="http://www.christianbluepages.com" title="Christian Blue Pages">Christian Blue Pages</a> which includes Christ-centered carols, a read-aloud Christmas story, a Christmas Events Calendar and much more!  You can find copies of the Christmas Blue Pages at local churches, businesses and Christian bookstores.  In fact, we have several copies available at <a href="http://www.reichleyins.com" title="Reichleyins.com">Reichley Insurance Agency</a>.  Stop in today to get your FREE copy!  You can also download a copy by clicking <a href="http://www.christianbluepages.com/fileadmin/pdfs/christmas/CCS_DAY10_LR.pdf" title="Christmas Blue Pages PDF">here</a>.<br/><br/><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://reichleyins.blogspot.com" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a> <a href="http://www.twitter/com/ReichleyIns " title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a><br /></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&q=reichley+insurance&hl=en&cd=3&ei=sotlTLXROJWEzASQsvDsBA&sig2=nwpv-cQte5eJ-kz8_AK2kw&dtab=0&sll=39.700425,-83.932481&sspn=0.071946,0.184444&ie=UTF8&ll=39.792182,-84.101028&spn=0,0&z=12&iwloc=C " title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p></p><img width="0" style="display:none;border:0;" src="http://tracker.sendible.com/messages/4943ecb8-5479-40ad-bad5-09bbf6b9f44d?service=Blogspot&f=784780&view=true" /><br/><a href="http://bit.ly/eA3oJ2"><img src="http://bit.ly/eA3oJ2" alt="https://s3.amazonaws.com/sendible/95606/original.png" /></a><br/><a href="http://bit.ly/gDVnfb"><img src="http://bit.ly/gDVnfb" alt="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a><br/><a href="http://bit.ly/fvWD7n"><img src="http://bit.ly/fvWD7n" alt="https://s3.amazonaws.com/sendible/15374/original.png" /></a><br/><a href="http://bit.ly/gMTRhv"><img src="http://bit.ly/gMTRhv" alt="https://s3.amazonaws.com/sendible/11029/original.png" /></a><br/><a href="http://bit.ly/eKbnQu"><img src="http://bit.ly/eKbnQu" alt="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a><br/><a href="http://bit.ly/gEgZab"><img src="http://bit.ly/gEgZab" alt="https://s3.amazonaws.com/sendible/68308/original.png" /></a><br/><a href="http://bit.ly/fr5xcx"><img src="http://bit.ly/fr5xcx" alt="https://s3.amazonaws.com/sendible/68304/original.png" /></a><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-799184451985351866?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-63542732528010943782010-12-03T12:41:00.001-08:002010-12-03T12:43:47.835-08:00<a href="https://s3.amazonaws.com/sendible/88392/original.jpg"><img src="https://s3.amazonaws.com/sendible/88392/original.jpg" /></a>&nbsp;While holidays are meant to be happy, joyous occasions, too often when violence has touched a family, the holidays are a time of stress and tension.&nbsp; The <a href="http://www.violencefreefutures.org/" title="FVPC">Family Violence Prevention Center</a> has been working for over 30 years to reduce the impact of domestic violence on the individuals and families in Greene County.&nbsp; The <a href="http://violencefreefutures.org/get-involved/adopt-a-family.html">Adopt-a-Family Program</a> was created to assist families with their Holiday celebration. <br /><br />Every holiday season our community helps FVPC to provide Merry Christmas mornings to over 50 families who have been affected by family violence.&nbsp; Annually, around 40 individuals, businesses, churches and organizations take time out of their busy schedules to show that it is better to give than to receive. <br /><br />Join us in adopting a family affected by domestic violence, and give the gift of hope this year. For more information, click on the following links: &nbsp; <br /><br /><a href="http://www.violencefreefutures.org/" title="FVPC">FVPC web site</a> <br /><a href="http://violencefreefutures.org/resources/fvpc-brochure.pdf" title="FVPC brochure">FVPC brochure</a> <br /><a href="http://violencefreefutures.org/get-involved/adopt-a-family.html" title="Adopt-a-Family">Adopt-a-Family Program</a> <br /><a href="http://violencefreefutures.org/assets/images/AAF%20General%20Form%202010.pdf" title="Adopt-a-Family Donor App">Adopt-a-Family Donor Application</a><br /><a href="http://www.facebook.com/pages/Family-Violence-Prevention-Center/152545990050" title="FVPC on Facebook">FVPC on Facebook</a><br /><br /><i><a href="http://www.reichleyins.com/" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i><br /><div style="text-align: center;"><br /></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.reichleyins.com/" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Our dedication makes the difference...</span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" src="https://s3.amazonaws.com/sendible/15374/original.png" width="30" /></a>&nbsp; <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a>&nbsp;<a href="http://reichleyins.blogspot.com/" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a>&nbsp;<a href="http://www.twitter/com/ReichleyIns" title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&amp;q=reichley+insurance&amp;hl=en&amp;cd=3&amp;ei=sotlTLXROJWEzASQsvDsBA&amp;sig2=nwpv-cQte5eJ-kz8_AK2kw&amp;dtab=0&amp;sll=39.700425,-83.932481&amp;sspn=0.071946,0.184444&amp;ie=UTF8&amp;ll=39.792182,-84.101028&amp;spn=0,0&amp;z=12&amp;iwloc=C" title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman, times;">&nbsp;</span></span></i> </div><div style="text-align: center;"><br /></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="http://www.blogger.com/mail%20to:%20info@reichleyins.com"></a></span></span></i></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span><img src="http://tracker.sendible.com/messages/4ff8fd72-2e15-4583-9661-5922d922c938?service=Blogspot&amp;f=784780&amp;view=true" style="border-bottom: 0px; border-left: 0px; border-right: 0px; border-top: 0px; display: none;" width="0" /></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-6354273252801094378?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-21579373872782878472010-11-24T11:49:00.001-08:002010-11-24T11:56:06.641-08:00<a href="https://s3.amazonaws.com/sendible/81178/original.jpg"><img height="368" src="https://s3.amazonaws.com/sendible/81178/original.jpg" width="294" /></a>&nbsp;<span style="font-family: Verdana, sans-serif;">Cold weather brings with it many fire safety hazards, including fireplaces, space heaters, and decorative holiday candles, just to name a few.&nbsp; Keep your home and loved ones warm, but also safe, with this checklist from the </span><a href="http://www.homesafetycouncil.org/" title="Home Safety Council"><span style="font-family: Verdana, sans-serif;">Home Safety Council</span></a><span style="font-family: Verdana, sans-serif;">:<br /><strong><em>Smoke Alarms</em></strong></span><br /><ul><li><span style="font-family: Verdana, sans-serif;">Have you installed smoke alarms on every level of your home and near every sleeping area? </span></li><li style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><span style="font-family: Verdana, sans-serif;">Do you test your smoke alarms once a month to make sure they are working, and replace the batteries every year? </span></li><li style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><span style="font-family: Verdana, sans-serif;">Do you replace smoke alarms that are 10 years or older?&nbsp;</span></li></ul><strong><em><span style="font-family: Verdana, sans-serif;">Fire Escape Plans</span></em></strong><br /><ul><li><span style="font-family: Verdana, sans-serif;">Have you identified two exits for every room? </span></li><li style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><span style="font-family: Verdana, sans-serif;">Does your family have a designated meeting place outside? </span></li><li style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><span style="font-family: Verdana, sans-serif;">Does your family practice a fire escape plan twice a year? </span></li><li><span style="font-family: Verdana, sans-serif;">Is every family member familiar with your fire escape plan?</span></li></ul><strong><em><span style="font-family: Verdana, sans-serif;">Fire Prevention</span></em></strong><br /><ul><li style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><span style="font-family: Verdana, sans-serif;">Do you keep things that burn away from your fireplace? </span></li><li><span style="font-family: Verdana, sans-serif;">Do you have a glass or metal screen in front of your fireplace? </span></li><li><span style="font-family: Verdana, sans-serif;">Do you have space heaters, chimneys, fireplaces, wood and coal stoves, and furnaces inspected once a year and cleaned regularly? </span></li><li style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><span style="font-family: Verdana, sans-serif;">Do you keep space heaters at least three feet from combustibles, such as curtains or newspapers? </span></li><li><span style="font-family: Verdana, sans-serif;">Do you stay in the kitchen when food is cooking on the stove? </span></li><li><span style="font-family: Verdana, sans-serif;">Do you keep an eye on burning candles? </span></li><li><span style="font-family: Verdana, sans-serif;">Do you keep candles out of the reach of children and pets? </span></li><li><span style="font-family: Verdana, sans-serif;">Are you careful not to overload outlets, extension cords, and power strips?</span></li></ul><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><em><span style="font-family: Verdana, sans-serif;">Source: </span></em><a href="http://www.wrg-ins.com/" title="WRG"><em><span style="font-family: Verdana, sans-serif;">Western Reserve Group </span></em></a><span style="font-family: Verdana, sans-serif;"><em>Newsletter, November 2010</em><br /><br />Here's another informative article from Western Reserve Group: </span><a href="http://www.wrg-ins.com/news/10-10-12/Fire_Safety_for_Supplemental_Heat.aspx" title="Fire Safety Supplemental Heat"><span style="font-family: Verdana, sans-serif;">Fire Safety for Supplemental Heat</span></a><br /><br /><i><a href="http://www.reichleyins.com/" title="Visit Our Virtual Insurance Office"><span style="font-family: Verdana, sans-serif;">Reichley Insurance Agency</span></a><span style="font-family: Verdana, sans-serif;"> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</span></i><br /><br />&nbsp;</div><div style="text-align: center;"></div><i><span style="font-size: small;"><span style="font-family: times new roman, times;"></span></span></i><br /><div class="separator" style="clear: both; text-align: center;"><a href="http://www.reichleyins.com/" style="margin-left: 1em; margin-right: 1em;" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Our dedication makes the difference...</span></span></i>&nbsp;&nbsp;</div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" src="https://s3.amazonaws.com/sendible/15374/original.png" width="30" /></a>&nbsp; <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a>&nbsp;<a href="http://reichleyins.blogspot.com/" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a>&nbsp;<a href="http://www.twitter/com/ReichleyIns" title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a></span></span></i></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&amp;q=reichley+insurance&amp;hl=en&amp;cd=3&amp;ei=sotlTLXROJWEzASQsvDsBA&amp;sig2=nwpv-cQte5eJ-kz8_AK2kw&amp;dtab=0&amp;sll=39.700425,-83.932481&amp;sspn=0.071946,0.184444&amp;ie=UTF8&amp;ll=39.792182,-84.101028&amp;spn=0,0&amp;z=12&amp;iwloc=C" title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman, times;">&nbsp;</span></span></i>&nbsp;&nbsp;</div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: center;"><span style="font-size: medium;"><i><span style="font-family: times new roman, times;">Toll Free: 87-REICHLEY (877-342-4539)</span></i>&nbsp;&nbsp;</span></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><span style="font-size: medium;">Email: </span><a href="mailto:info@reichleyins.com"><span style="font-size: medium;">info@reichleyins.com</span></a><span style="font-size: medium;">&nbsp;</span><a href="http://www.blogger.com/mail%20to:%20info@reichleyins.com"></a></span></span></i>&nbsp;</div><div style="text-align: center;"></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span></div><img src="http://tracker.sendible.com/messages/64912029-0324-41c1-8338-9e200ecbf9d5?service=Blogspot&amp;f=784780&amp;view=true" style="border-bottom: 0px; border-left: 0px; border-right: 0px; border-top: 0px; display: none;" width="0" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-2157937387278287847?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-55045584614645015472010-11-16T09:00:00.001-08:002010-11-16T09:00:12.556-08:00<p> <a href="https://s3.amazonaws.com/sendible/76564/original.png"><img height="347" width="363" src="https://s3.amazonaws.com/sendible/76564/original.png" /></a>  <span style="font-size: small;">Water can enter your home in ways other than actual flooding. The most common water-related loss occurs when water backs up through sewers, drains or sump pumps. The damage can be devastating, easily amounting to tens of thousands of dollars in damage. You can lessen your chance of flooding by not living near a body of water, and you can reduce your risk of basement water with proper drainage, including landscaping and gutters. </span><br/><br/><span style="font-size: small;">If your attempt to avoid or lessen the impact of water damage falls short of what you think is prudent, you can purchase flood insurance. This federal program provides insurance only for the peril of flooding. Your property policy does not provide this coverage. For damage caused by water which enters through a sump pump or drain, you can buy sewer and drain backup coverage by adding an endorsement to your homeowner policy. These endorsements do vary substantially from company to company, and are rarely automatic. </span><br/><br/><span style="font-size: small;">The sewer and drain backup coverage endorsement covers water damage and cleanup. The coverage is activated by water that backs up through your sump pump, or backup from a sewer.  Contact us for more information.</span><br/><br/><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://reichleyins.blogspot.com" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a> <a href="http://www.twitter/com/ReichleyIns " title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a><br /></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&q=reichley+insurance&hl=en&cd=3&ei=sotlTLXROJWEzASQsvDsBA&sig2=nwpv-cQte5eJ-kz8_AK2kw&dtab=0&sll=39.700425,-83.932481&sspn=0.071946,0.184444&ie=UTF8&ll=39.792182,-84.101028&spn=0,0&z=12&iwloc=C " title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"> </span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span><br/><br/><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com" title="View our blog"></a></p><br/><br/> </p><img width="0" style="display:none;border:0;" src="http://tracker.sendible.com/messages/d955c1e0-cf36-41e7-bc67-365f0af8f198?service=Blogspot&f=784780&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-5504558461464501547?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-88702115243162178642010-11-08T13:54:00.001-08:002010-11-08T13:59:35.242-08:00&nbsp;<a href="https://s3.amazonaws.com/sendible/72830/original.png"><img height="133" src="https://s3.amazonaws.com/sendible/72830/original.png" width="201" /></a>&nbsp;With the recent increase in equipment theft, National Equipment Register (<a href="http://www.ner.net/" title="NER">NER</a>) has shared the following tips on using a “multi-layered” approach to equipment security:<br /><div style="padding-left: 30px;"><span style="font-family: webdings;">Ï</span>&nbsp; <strong>Record All PINs/Serial Numbers</strong> – The most basic and effective layer of protection is maintaining an accurate list of equipment and tools in your fleet. The list should include information on the year, make, model and full PIN/serial number of the equipment.&nbsp;</div><div style="padding-left: 30px;"><span style="font-family: webdings;">Ï&nbsp;</span> <strong>Apply Individual Markings &amp; Register Equipment</strong> - All machines should be individually marked with an inventory control number or equipment number, which should then be registered on a national database, such as through NER’s <a href="http://www.ner.net/helptech.html" title="HELPtech">HELPtech</a> service.</div><div style="padding-left: 30px;"><span style="font-family: webdings;">Ï</span>&nbsp; <strong>Paint Equipment in Unique Color</strong> - A unique paint color is another layer of protection that can make your machines substantially less vulnerable, as thieves typically avoid stealing equipment that stands out and can be easily identified from a distance.</div><div style="padding-left: 30px;"><span style="font-family: webdings;">Ï</span>&nbsp; <strong>Use Locks and Immobilizers</strong> - Immobilizing devices make equipment much harder to steal.</div><div style="padding-left: 30px;"><span style="font-family: webdings;">Ï</span> &nbsp;<strong>Install RF or GPS Tracking Devices</strong> - Consider electronic tracking devices for your most valuable or vulnerable machines. Many of these devices can be used not just for theft protection, but also for performance and maintenance monitoring.<br /><br />The above measures – coupled with well planned site security—can make the difference between a fleet that’s an easy target and one that’s far less prone to theft.<br /><br />Source: <a href="http://www.ner.net/elqNow/elqRedir.htm?ref=http://www.ner.net/newsletter/NER_Newsletter-Q3_2010.pdf" title="NER Newsletter">NER’s Newsletter</a><br /><br /><i><a href="http://www.reichleyins.com/" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></div><div style="text-align: center;"><br /></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.reichleyins.com/" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Our dedication makes the difference...</span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" src="https://s3.amazonaws.com/sendible/15374/original.png" width="30" /></a>&nbsp; <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a>&nbsp;<a href="http://reichleyins.blogspot.com/" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a>&nbsp;<a href="http://www.twitter/com/ReichleyIns" title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&amp;q=reichley+insurance&amp;hl=en&amp;cd=3&amp;ei=sotlTLXROJWEzASQsvDsBA&amp;sig2=nwpv-cQte5eJ-kz8_AK2kw&amp;dtab=0&amp;sll=39.700425,-83.932481&amp;sspn=0.071946,0.184444&amp;ie=UTF8&amp;ll=39.792182,-84.101028&amp;spn=0,0&amp;z=12&amp;iwloc=C" title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman, times;">&nbsp;</span></span></i></div><div style="text-align: center;"><br /></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="http://www.blogger.com/mail%20to:%20info@reichleyins.com"></a></span></span></i></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span></div><img src="http://tracker.sendible.com/messages/19970919-eb76-473c-bcb4-ba67ff2fe7ff?service=Blogspot&amp;f=784780&amp;view=true" style="border-bottom: 0px; border-left: 0px; border-right: 0px; border-top: 0px; display: none;" width="0" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-8870211524316217864?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-28772419811981407172010-10-29T08:52:00.001-07:002010-10-29T08:52:03.030-07:00<p> <a href="https://s3.amazonaws.com/sendible/68306/original.png"><img height="173" width="260" src="https://s3.amazonaws.com/sendible/68306/original.png" /></a> Security companies and IT people constantly tell us we should use complex and difficult passwords. However, some research has shown that simple passwords can be used more effectively. If the password is something easy to remember but multiple words, it can be more successful. The work involved in hacking passwords is pretty simple. There are five typical ways used.</p><ol><li><strong>Asking:</strong> Amazingly the most common way to gain access to someone’s password is to simply ask for it, usually in connection with something else. </li><li><strong>Guessing:</strong> Most people choose a password that is easy to remember and typically relates to them as a person. Passwords like last name, spouse and children’s names and dates of birth, which are easily developed, are common mistakes. </li><li><strong>Brute-Force Attack:</strong> A hacker simply attempts to sign in using different passwords. He will use a program that runs a series of letters until the system eventually breaks your password. </li><li><strong>Common-Word Attack:</strong> This is a simple form of brute-force attack. The hacker will attempt to sign in using a list of common words. </li><li><strong>Dictionary Attack:</strong> This is the same concept as the common word attack using a full dictionary program of nearly 500,000 words.</li></ol><p>Automated programs can handle around 100 sign-in requests per second. This means a simple word like sun could be hacked using the brute-force or common-word attack in less than three minutes. However, if your password includes two common words, hacking time increases to two months. <strong><em>Add a third word and the time increases exponentially to more than 2,000 years.</em></strong><br />Some websites require a combination of upper case and lower case letters, while others want you to also add a number. These are effective, but sometimes difficult to remember, and experts don’t advise that you allow your browser to always remember your passwords.<br/><br/><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://reichleyins.blogspot.com" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a> <a href="http://www.twitter/com/ReichleyIns " title="Follow Us!"><img src="https://s3.amazonaws.com/sendible/68308/original.png" /></a><br /></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&q=reichley insurance&hl=en&cd=3&ei=sotlTLXROJWEzASQsvDsBA&sig2=nwpv-cQte5eJ-kz8_AK2kw&dtab=0&sll=39.700425,-83.932481&sspn=0.071946,0.184444&ie=UTF8&ll=39.792182,-84.101028&spn=0,0&z=12&iwloc=C " title="Review this business"></a><a href="http://www.reichleyins.com/contact-us/feedback/" title="Leave Feedback"><img src="https://s3.amazonaws.com/sendible/68304/original.png" /></a></span></span></i><i><span style="font-size: small;"><span style="font-family: times new roman,times;"></span></span></i><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"></span></span></i> </p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span><br/><br/><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com" title="View our blog"></a></p></p> <img width="0" style="display:none;border:0;" src="http://tracker.sendible.com/messages/9e73533c-cadc-40b8-a888-471e16adc210?service=Blogspot&f=784780&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-2877241981198140717?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-2963067419082389852010-10-19T08:30:00.001-07:002010-10-19T08:53:01.159-07:00<a href="https://s3.amazonaws.com/sendible/63776/original.jpg"><img height="234" src="https://s3.amazonaws.com/sendible/63776/original.jpg" width="341" /></a>&nbsp;Retail sales of candles have grown at least 700% in the last 10 years, according to the <a href="http://www.candles.org/" title="Nat'l Candle Assoc.">National Candle Association</a>. While candles can create atmosphere and spread soothing aromas, candle fires are responsible for an estimated 23,600 residential fires each year, causing over 1,500 injuries and 165 fatalities.<br /><br />Candle fires tend to include an element of seasonality. Thirty-five percent of candle sales occur during the winter season and twenty-four percent of all candle fires occur in December and January.<br /><br />The National Fire Incident Reporting System (<a href="http://www.nfirs.fema.gov/" title="NFIRS">NFIRS</a>) reports that the majority of candle fires occur as a result of error or negligence. Over half of such fires result from placing the candle too close to combustibles, while twenty-one percent of residential candle fires involve an unattended or unsupervised individual. Twelve percent of candle fires occur when the candle user falls asleep. Most candle fires occur in the bedroom, followed by living or family rooms.<br /><br />The Massachusetts State Fire Marshal developed a program called “<a href="http://www.mass.gov/Eeops/docs/dfs/osfm/pubed/flyers/candle_fire_safety_07.pdf" title="PDF">Candle Circle of Safety</a>.”<br /><br />They recommend:<br /><ol><li>Burn candles inside a 1-foot circle of safety, free of anything that can ignite. </li><li>Extinguish candles after use. </li><li>Keep candles out of the reach of children and pets. </li><li>Use a sturdy metal, glass or ceramic candle holder.</li><li>Never leave a burning candle unattended.</li></ol>&nbsp;Common sense and caution must be used when burning candles. Following simple safety tips can make the use of candles enjoyable, while preventing a devastating home fire.<br /><br /><i><a href="http://www.reichleyins.com/" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i><br /><div style="text-align: center;"><br /></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.reichleyins.com/" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Our dedication makes the difference...</span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" src="https://s3.amazonaws.com/sendible/15374/original.png" width="30" /></a>&nbsp; <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a>&nbsp;<a href="http://reichleyins.blogspot.com/" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&amp;q=reichley insurance&amp;hl=en&amp;cd=3&amp;ei=sotlTLXROJWEzASQsvDsBA&amp;sig2=nwpv-cQte5eJ-kz8_AK2kw&amp;dtab=0&amp;sll=39.700425,-83.932481&amp;sspn=0.071946,0.184444&amp;ie=UTF8&amp;ll=39.792182,-84.101028&amp;spn=0,0&amp;z=12&amp;iwloc=C" title="Review this business"><img src="https://s3.amazonaws.com/sendible/39750/original.jpg" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Email: <a href="mailto:info@reichleyins.com">info@Reichleyins.com</a> <a href="http://www.blogger.com/mail%20to:%20info@reichleyins.com"></a></span></span></i></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span></div><br /><br /><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com/" title="View our blog"></a><br /><img src="http://tracker.sendible.com/messages/143a5818-4eb3-43dc-a6d8-29dbdbe67d94?service=Blogspot&amp;f=784780&amp;view=true" style="border-bottom: 0px; border-left: 0px; border-right: 0px; border-top: 0px; display: none;" width="0" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-296306741908238985?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-40286916561322742372010-10-05T09:22:00.001-07:002010-10-05T09:22:44.462-07:00<p><a href="https://s3.amazonaws.com/sendible/58124/original.png"></a><br/><br/><a href="https://s3.amazonaws.com/sendible/58126/original.png"><img src="https://s3.amazonaws.com/sendible/58126/original.png" /></a> <span style="font-size: small;">B<span style="font-size: x-small;"><span style="font-size: small;">u</span><span style="font-size: small;"><span style="font-size: small;">sinesses with </span>inventories that fluctuate significantly over the course of a year present an interesting challenge. In many cases a business will experience large peaks in inventory at specific intervals during the year. Some small package policies, such as the Businessowner Policy, or BOP, automatically provide peak inventory coverage, but with some caveats. This unique coverage feature, sometimes found in these smaller package policies, applies only when the chosen business personal property limit is equal to at least 100% of the actual average monthly business personal property values, determined at the time of loss. Also, even if the chosen property limit carried is equal to 100% of the actual average personal property amount, the automatic increase, usually 25% of the chosen business personal property limit, may not be adequate to cover the increase in inventory. There is no extra charge for this coverage and generally the inventories are fairly level for the types of businesses that qualify for these small package policies. </span></span></span><br/><br/><span style="font-size: small;">For businesses with inventories that fluctuate significantly, there is an endorsement that will provide an increase in the property limit during the specific intervals chosen. This allows the business to take advantage of paying lower premiums for most of the year, yet having the assurance during those peak intervals that the business will have enough coverage. This approach is a practical solution for the business with predictable inventory increases at specific times. The policyholder determines the amount of limit increase and the interval for which it applies. This can include multiple peak intervals and different peak inventory levels. It can be difficult in some cases to determine when these peak intervals occur, so the policyholder should be certain to include an adequate number of days both before and after the peak interval.  Contact us with any questions or concerns - we're here for you.<br /></span><br/><br/><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://reichleyins.blogspot.com" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&q=reichley insurance&hl=en&cd=3&ei=sotlTLXROJWEzASQsvDsBA&sig2=nwpv-cQte5eJ-kz8_AK2kw&dtab=0&sll=39.700425,-83.932481&sspn=0.071946,0.184444&ie=UTF8&ll=39.792182,-84.101028&spn=0,0&z=12&iwloc=C " title="Review this business"><img src="https://s3.amazonaws.com/sendible/39750/original.jpg" /></a><br /></span></span></i><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span></p><br/><br/><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com" title="View our blog"></a></p><img width="0" style="display:none;border:0;" src="http://tracker.sendible.com/messages/92a891c5-f313-4f45-891a-4e011efbe044?service=Blogspot&f=784780&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-4028691656132274237?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-30718210115364982232010-10-01T14:01:00.001-07:002010-10-01T14:21:55.521-07:00<a href="https://s3.amazonaws.com/sendible/56856/original.png"></a><br /><div style="text-align: center;"><img src="https://s3.amazonaws.com/sendible/56856/original.png" /></div><div style="text-align: center;"><span style="font-size: medium;"><strong><em><span style="color: #993300;">Reichley Insurance Agency Is Ready for Fall!</span></em></strong></span><br /><br /><a href="https://s3.amazonaws.com/sendible/56840/original.png"><img height="155" src="https://s3.amazonaws.com/sendible/56840/original.png" width="200" /></a>&nbsp;<a href="https://s3.amazonaws.com/sendible/56842/original.png"><img height="155" src="https://s3.amazonaws.com/sendible/56842/original.png" width="200" /></a>&nbsp;<a href="https://s3.amazonaws.com/sendible/56846/original.png"><img height="155" src="https://s3.amazonaws.com/sendible/56846/original.png" width="200" /></a><br /><br />A <strong>HUGE</strong> Thank-You to Girl Scout Troop 30933 from Main Elementary in Beavercreek, Ohio.&nbsp;&nbsp; Our normally plain side windows are now properly decorated for the season! <br /><br />The girls from Troop 30933 spent an afternoon creating a delightful Autumn/Halloween scene.&nbsp; Stop by and see the artwork of Elizabeth, Brenna, Cami, Maddie, Allison, Mackenzie and Olivia, along with that of their co-leaders, Kelly Zelinskas and Katrina Frye.<br /><br />This yearly tradition of giving back to the Beavercreek community by brightening up local businesses is much appreciated – not to mention a lot of fun!&nbsp;&nbsp; <strong><em>Thanks, Troop 30933!</em></strong><br /><br /><a href="https://s3.amazonaws.com/sendible/56848/original.png"><img height="152" src="https://s3.amazonaws.com/sendible/56848/original.png" width="200" /></a>&nbsp;<a href="https://s3.amazonaws.com/sendible/56850/original.png"><img height="152" src="https://s3.amazonaws.com/sendible/56850/original.png" width="200" /></a>&nbsp;<a href="https://s3.amazonaws.com/sendible/56852/original.png"><img height="151" src="https://s3.amazonaws.com/sendible/56852/original.png" width="200" /></a><br /><br /><i><a href="http://www.reichleyins.com/" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></div><div style="text-align: center;"><br /></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.reichleyins.com/" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Our dedication makes the difference...</span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" src="https://s3.amazonaws.com/sendible/15374/original.png" width="30" /></a>&nbsp; <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a>&nbsp;<a href="http://reichleyins.blogspot.com/" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.reichleyins.com/contact-us/feedback" title="Review this business"><img src="https://s3.amazonaws.com/sendible/39750/original.jpg" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="http://www.blogger.com/mail%20to:%20info@reichleyins.com"></a></span></span></i></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span></div><br /><br /><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com/" title="View our blog"></a><br /><div style="text-align: left;"><img src="http://tracker.sendible.com/messages/7a147943-cdbc-4eaa-b082-b099736bcce0?service=Blogspot&amp;f=784780&amp;view=true" style="border-bottom: 0px; border-left: 0px; border-right: 0px; border-top: 0px; display: none;" width="0" /></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-3071821011536498223?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-39109833943290244872010-09-24T13:48:00.001-07:002010-09-24T13:48:47.470-07:00<p><a href="https://s3.amazonaws.com/sendible/53680/original.jpg"><br /><img height="230" width="288" src="https://s3.amazonaws.com/sendible/53680/original.jpg" /></a> Here's a recent photo of the Bank Building located in Crooksville, OH where Grandpa Reichley started his insurance career in 1946.  In 1951, he moved the business (and the family) to Xenia, OH, and we've been serving the Miami Valley ever since.  In May of this year, we consolidated our offices to the Beavercreek location, which is pictured below.</p><p> </p><p><a href="https://s3.amazonaws.com/sendible/53682/original.jpg"><img height="220" width="290" src="https://s3.amazonaws.com/sendible/53682/original.jpg" /></a> </p><p>We would like to take this opportunity to thank our customers for allowing us to serve you over the past 60 years.  Our clients are the reason we say, "Insurance is not a product; it's a promise and a trusted relationship."</p><p> </p><p><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://reichleyins.blogspot.com" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com/contact-us/feedback" title="Review this business"><img src="https://s3.amazonaws.com/sendible/39750/original.jpg" /></a><br /></span></span></i><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span></p></p><p><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com" title="View our blog"></a></p><img width="0" style="display:none;border:0;" src="http://tracker.sendible.com/messages/14fdd9d8-da11-4902-b0da-d8673427055d?service=Blogspot&f=784780&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-3910983394329024487?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-64314268094652923452010-09-13T13:51:00.001-07:002010-09-13T13:53:35.283-07:00<a href="https://s3.amazonaws.com/sendible/48976/original.jpg"><img src="https://s3.amazonaws.com/sendible/48976/original.jpg" /></a>&nbsp;As of July 1, 2010, a new Ohio law now allows unmarried children or stepchildren up to age 28 to remain or be added to their parents’ health insurance coverage.<br /><br />While the federal health care reform law passed earlier this year increases the dependent age to 26, health insurers and plans subject to Ohio law must provide coverage or offer parents the opportunity to purchase coverage for children from age 26 to 28.<br /><br />The Ohio Department of Insurance has created a Web site, <a href="http://www.healthcarereform.ohio.gov/" title="Ohio Health Care Reform">http://www.healthcarereform.ohio.gov/</a>, which includes a breakdown of the state and federal health care reforms being implemented in Ohio.&nbsp; More information about the dependent age coverage expansion, such as effective dates and&nbsp;enrollment details&nbsp;can be found <a href="http://www.insurance.ohio.gov/Consumer/Pages/DependentAgeCoverageExpansion.aspx" title="Dependent Age Coverage Expansion">here</a>. <br /><br />Other helpful resources:<br /><br /><a href="http://www.insurance.ohio.gov/Consumer/Documents/Dependent%20Age%20FAQs.pdf" title="FAQs">Dependent Age Coverage Expansion FAQs</a> - a very helpful document explaining both the state and federal laws and how they will coexist.<br /><br /><a href="http://www.insurance.ohio.gov/Consumer/Documents/Dependent%20Age%20Rule%203901-8-13.pdf" title="Dependent Age Notice">Dependent Age Extension Notice</a><br /><br /><a href="http://www.hhs.gov/ociio/regulations/adult_child_fact_sheet.html" title="Fact Sheet - Federal">Federal Fact Sheet</a><br /><br /><a href="http://www.insurance.ohio.gov/Newsroom/Pages/06212010HealthInsurance.aspx" title="News Release">News Release: Health Insurance Dependent Age to Increase July 1</a><br /><br />As always, we are here to help.&nbsp; Contact us with any questions.<br /><br /><i><a href="http://www.reichleyins.com/" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i><br /><div style="text-align: center;"><br /></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.reichleyins.com/" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Our dedication makes the difference...</span></span></i><br /></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" src="https://s3.amazonaws.com/sendible/15374/original.png" width="30" /></a>&nbsp; <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a>&nbsp;<a href="http://reichleyins.blogspot.com/" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a></span></span></i><br /></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&amp;q=reichley insurance&amp;hl=en&amp;cd=3&amp;ei=sotlTLXROJWEzASQsvDsBA&amp;sig2=nwpv-cQte5eJ-kz8_AK2kw&amp;dtab=0&amp;sll=39.700425,-83.932481&amp;sspn=0.071946,0.184444&amp;ie=UTF8&amp;ll=39.792182,-84.101028&amp;spn=0,0&amp;z=12&amp;iwloc=C" title="Review this business"><img src="https://s3.amazonaws.com/sendible/39750/original.jpg" /></a></span></span></i><br /></div><div style="text-align: center;"><i><span style="font-family: times new roman, times; font-size: large;">Toll Free: 87-REICHLEY (877-342-4539)</span></i><br /></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><span style="font-size: large;">Email: </span><a href="mailto:info@reichleyins.com"><span style="font-size: large;">info@reichleyins.com</span></a> <a href="http://www.blogger.com/mail%20to:%20info@reichleyins.com"></a></span></span></i></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span></div><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com/" title="View our blog"></a><br /><img src="http://tracker.sendible.com/messages/f5809e7b-4676-4180-a556-cf5b8219400b?service=Blogspot&amp;f=784780&amp;view=true" style="border-bottom: 0px; border-left: 0px; border-right: 0px; border-top: 0px; display: none;" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-6431426809465292345?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-2971320628254678392010-09-09T08:18:00.001-07:002010-09-09T08:18:41.816-07:00<p><a href="https://s3.amazonaws.com/sendible/47200/original.jpg"></a><a href="https://s3.amazonaws.com/sendible/47202/original.jpg"><img src="https://s3.amazonaws.com/sendible/47202/original.jpg" /></a> The nest is getting emptier, and so is your bank account, as your child heads off to the next big adventure in their lives: college. As part of this journey they will be taking much of their personal furnishings, including televisions, stereos, computers, books and supplies to their new temporary home.</p><p>We often get questions about coverage for a child’s possessions. While we would prefer to know the specifics of your child’s living situation, in general your child, if a resident relative of your home and a full time student, is considered an “insured” under most homeowner policies. Therefore, a parent’s homeowner policy could extend coverage for property and liability to your child while temporarily residing at college. <em><strong>There are exceptions and qualifications to this explanation that may result in the need for special coverage.</strong></em> Call us with any questions.<br /> </p><p><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://reichleyins.blogspot.com" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&q=reichley insurance&hl=en&cd=3&ei=sotlTLXROJWEzASQsvDsBA&sig2=nwpv-cQte5eJ-kz8_AK2kw&dtab=0&sll=39.700425,-83.932481&sspn=0.071946,0.184444&ie=UTF8&ll=39.792182,-84.101028&spn=0,0&z=12&iwloc=C " title="Review this business"><img src="https://s3.amazonaws.com/sendible/39750/original.jpg" /></a><br /></span></span></i><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span></p></p><p><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com" title="View our blog"></a></p><img style="display:none;border:0;" src="http://tracker.sendible.com/messages/93991abd-fc48-4b74-9e56-c1b362a1954a?service=Blogspot&f=784780&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-297132062825467839?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-77015761076219053142010-09-04T04:49:00.001-07:002010-09-04T04:49:05.946-07:00<p><a href="https://s3.amazonaws.com/sendible/45350/original.gif"><img src="https://s3.amazonaws.com/sendible/45350/original.gif" /></a> At Reichley Insurance, we are proud to support the communities we serve.  Here is one such example:<span style="font-size: x-small;"> </span></p><p><span style="font-size: small;"><a href="http://www.4pawsforability.org/">4 Paws for Ability</a> is an organization that enriches the lives of people with disabilities by the training and placement of service dogs to provide individuals with companionship and promote independent living.  One of the great things about 4 Paws is that they assist with animal rescue.  Whenever possible, they obtain their animals from shelters and rescue groups.   </span></p><p><span style="font-size: small;">The 4 Paws web site lists the following Competitive Advantages: </span></p><ol><li><span style="font-size: small;"> <b>Faster turnaround time for training and receipt of a service dog.</b> The process typically takes 12 - 18 months from start to finish with 9 - 12 months of this being after the funds are raised. These months (9 - 12) are the months the dog is in training. The waiting period for most service dog organizations is 2 - 3 years, with some waits as long as 5 years. </span></li><li><span style="font-size: small;"><b>Challenges are welcomed.</b> 4 Paws is willing to reach out and tackle the more difficult placements. </span></li><li><span style="font-size: small;"><b>Enviable success rate.</b> We have a 98% success rate in placements using donated and rescue animals: we have a 90% success rate with the first dog placed in the home and an overall success rate of 98%. </span></li><li><span style="font-size: small;"><b>Flexible training.</b> Training that can provide unique and highly customized kinds of placements. </span></li><li><span style="font-size: small;"><b>Nationwide.</b> National outreach rather than primarily regional. </span></li><li><span style="font-size: small;"><b>Open to more individuals.</b> No restrictions placed on age at placement. 4 Paws has no minimal age requirement and does not discriminate based on severity of disability within the programs it provides. </span></li><li><span style="font-size: small;"><b>Pet</b> <b>Friendly.</b> 4 Paws does not require that recipients give up their pets to receive a service dog as many agencies do. </span></li></ol><p><span style="font-size: small;">Another great thing about 4 Paws is that they are located in Xenia, OH.  It is great to see a local organization having a national impact to better the lives of those living with disabilities.</span></p><p><span style="font-size: small;">Want to learn more?  Visit the <a href="http://www.4pawsforability.org">4 Paws for Ability</a> web site today!</span></p><p><span style="font-size: small;">Here's another way to support 4 Paws:</span></p><p><span style="font-size: small;"> <a href="http://bit.ly/9pN9bv">http://bit.ly/9pN9bv</a> Check out the <a href="http://bit.ly/9pN9bv">4 Paws 5K</a> at the <a href="http://www.elecakeco.com/beta/index.php#/news-and-events/?id=42">Buttercream Fest </a>on Sunday, Sept. 12, 2010 at Elé Cake Co., 810 E Dixie Dr. in West Carrollton, OH.</span></p><p><span style="font-size: small;"> </span><span style="font-size: small;"><a href="http://www.keysports.net/4 Paws 5K 2010.pdf">Click here for the online registration form</a>.  For more information visit <a href="http://www.keysports.net/">www.keysports.net</a> or email <a href="mailto:Becky@elecakeco.com">Becky@elecakeco.com</a></span></p><p> </p><p><i><a title="Visit Our Virtual Insurance Office" href="http://www.reichleyins.com">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><span style="font-size: x-small;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></p><p style="text-align: center;"><span style="font-size: x-small;"><i>Our dedication makes the difference...</i></span></p><p style="text-align: center;"><span style="font-size: x-small;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Find us on Facebook!"><img src="https://s3.amazonaws.com/sendible/45380/original.png" /></a> <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us"><img src="https://s3.amazonaws.com/sendible/45382/original.png" /></a> <a href="http://www.reichleyins.blogspot.com" title="View our blog"><img src="https://s3.amazonaws.com/sendible/45384/original.jpg" /></a></span></p><p style="text-align: center;"><span style="font-size: x-small;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&q=reichley insurance&hl=en&cd=3&ei=sotlTLXROJWEzASQsvDsBA&sig2=nwpv-cQte5eJ-kz8_AK2kw&dtab=0&sll=39.700425,-83.932481&sspn=0.071946,0.184444&ie=UTF8&ll=39.792182,-84.101028&spn=0,0&z=12&iwloc=C " title="Review this business"><img src="https://s3.amazonaws.com/sendible/45386/original.jpg" /></a></span></p><p style="text-align: center;"><a href="http://www.keysports.net/4 Paws 5K 2010.pdf"><span style="font-size: x-small;"></span></a><br /><span style="font-size: x-small;"><span style="font-size: large;"><i><b>Toll-Free: 87-REICHLEY</b></i></span></span></p><p style="text-align: center;"><span style="font-size: x-small;"><span style="font-size: large;">Email: </span><a href="mailto:info@ReichleyIns.com"><span style="font-size: large;">info@ReichleyIns.com</span></a></span></p><p><span style="font-size: x-small;"> </span></p><p><span style="font-size: x-small;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Contact our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></p><img style="display:none;border:0;" src="http://tracker.sendible.com/messages/4b685a63-392a-47b2-840b-600e84fab13d?service=Blogspot&f=784780&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-7701576107621905314?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-84278864662127787022010-08-27T08:30:00.001-07:002010-08-27T12:47:03.595-07:00<a href="https://s3.amazonaws.com/sendible/42198/original.jpg"><img height="215" src="https://s3.amazonaws.com/sendible/42198/original.jpg" width="360" /></a>&nbsp;Earlier this year, we informed you that a registration exemption for all-purpose vehicles (APVs) being used on private property was removed from Ohio law. As a result, APVs used on private property or on land to which there is a contractual right are now required to be registered with the Ohio Bureau of Motor Vehicles (BMV). <strong>Please note:</strong> There was no change to the farm exemption. <br /><br />In addition to this change, a new license plate requirement took effect July 1, 2010. Operators of APVs are required to display a license plate and registration sticker rather than a registration number after this date. After an owner obtains a license plate, the BMV will issue a new registration sticker to display on the license plate for each three-year registration period. <br /><br />These changes were buried in the transportation budget bill passed last year at the request of farm owners who want to be able to identify operators of these vehicles when they are trespassing. Unfortunately, the registration change creates a negative impact on how these vehicles are covered under ISO homeowners’ insurance policies. It appears that because these vehicles are now required to be registered, they are excluded from the liability portion of a standard homeowners’ policy. Since the units are subject to registration, there is no automatic coverage afforded under the homeowners’ insurance policy.&nbsp; Please contact us to discuss this issue and how we can provide adequate coverage for your APV. <br /><br />In a <a href="http://www.publicsafety.ohio.gov/links/MR2010/06_04_10_APVs.pdf" title="Ohio BMV media release">June media release</a>, the <a href="http://www.bmv.ohio.gov/" title="Ohio BMV">Ohio BMV</a> stated that “current decals remain valid until their expiration, when they must be replaced with an APV license plate.”&nbsp; The Ohio BMV also reminds us that “APV License Plates do not entitle the rider to operate the APV on public roadways. Laws regarding operation of APVs have not changed.” <br /><br />If you own an APV or are considering the purchase of one, please contact us for details on the best way to insure the unit for your specific needs. <br /><br /><i><a href="http://www.reichleyins.com/" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i>&nbsp;<a href="http://www.reichleyins.com/" title="Visit Our Virtual Insurance Office"><i>&nbsp;</i></a> <br /><div style="text-align: center;"><br /><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.reichleyins.com/" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i>&nbsp;</div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Our dedication makes the difference...</span></span></i> </div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" src="https://s3.amazonaws.com/sendible/15374/original.png" width="30" /></a>&nbsp; <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a>&nbsp;<a href="http://reichleyins.blogspot.com/" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a></span></span></i> </div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&amp;q=reichley insurance&amp;hl=en&amp;cd=3&amp;ei=sotlTLXROJWEzASQsvDsBA&amp;sig2=nwpv-cQte5eJ-kz8_AK2kw&amp;dtab=0&amp;sll=39.700425,-83.932481&amp;sspn=0.071946,0.184444&amp;ie=UTF8&amp;ll=39.792182,-84.101028&amp;spn=0,0&amp;z=12&amp;iwloc=C" title="Review this business"><img src="https://s3.amazonaws.com/sendible/39750/original.jpg" /></a></span></span></i></div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i> </div><div style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman, times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> </span></span></i></div><div style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span> <span style="font-size: xx-small;">FKR5U7X67FVA</span></div><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-8427886466212778702?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-39063406576864394412010-08-20T08:03:00.001-07:002010-08-20T08:03:50.948-07:00<p><img src="https://s3.amazonaws.com/sendible/39738/original.jpg" />  In your commercial property policy you will find a section titled “Policy Conditions.” This section of the policy spells out requirements of the policyholder and the insurance company. It covers information about each party’s right to cancel the policy, the insurer’s right to inspect the property, and conditions about abandonment of the property. There are many more conditions though, and it is a good idea that you make yourself aware of these provisions.</p><p>One of the conditions is the insurance company’s right to audit your books and records as they relate to your policy. Depending on your type of operation, you may already be experienced with the audit process. It is mostly painless and the information can usually be found in your accounting and employment records. The examination may take place during the policy period or any time within three years after the policy period ends, however, an audit usually takes place within a few months of your policy renewal.</p><p>The insurer will <strong>not</strong> just randomly go through your records. You will be given a list of requested information to facilitate the process. This process is usually pretty painless as long as you have current and accurate records.  Contact us with any questions.</p><p><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://reichleyins.blogspot.com" title="View our blog"><img src="https://s3.amazonaws.com/sendible/39748/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://maps.google.com/maps/place?cid=9317530525641800313&q=reichley insurance&hl=en&cd=3&ei=sotlTLXROJWEzASQsvDsBA&sig2=nwpv-cQte5eJ-kz8_AK2kw&dtab=0&sll=39.700425,-83.932481&sspn=0.071946,0.184444&ie=UTF8&ll=39.792182,-84.101028&spn=0,0&z=12&iwloc=C " title="Review this business"><img src="https://s3.amazonaws.com/sendible/39750/original.jpg" /></a><br /></span></span></i><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;"> </span></span></span></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span></p></p><p><a href="https://s3.amazonaws.com/sendible/39744/original.jpg"></a><a href="http://reichleyins.blogspot.com" title="View our blog"></a></p><img style="display:none;border:0;" src="http://tracker.sendible.com/messages/1a46cfc3-4970-4b1a-a02f-b891acf17702?service=Blogspot&f=784780&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-3906340657686439441?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-62607809396759014482010-08-12T07:11:00.001-07:002010-08-12T07:11:02.489-07:00<p><img src="https://s3.amazonaws.com/sendible/36610/original.jpg" /> This endorsement provides coverage if the enforcement of any building, zoning or land use law results in added costs that are not covered as a direct loss.</p><p>The endorsement is separated into three distinct parts; sections A, B and C, which typically allows the policyholder to purchase one or all of these valuable coverages.</p><p><strong>Section A</strong> applies to loss to the undamaged portion of the building. This endorsement covers the loss of value of the undamaged portion of a building caused by enforcement of ordinances or laws.</p><p>If a government agency requires the demolition of your entire building because the damage exceeds a certain percentage as detailed in their ordinances, this coverage would apply.</p><p>Without this endorsement, you would have no coverage for that part of the building that was not damaged because that part of the building had not suffered “direct damage.”</p><p><strong>Section B</strong> of this endorsement covers the cost of demolition of the undamaged portion of the building. Without this coverage, you could be on the hook for tens of thousands of dollars in demolition and disposal costs.</p><p><strong>Section C</strong> provides payment for the increased cost of construction if the code enforcement requires improvements to construction that were not in the original building. This coverage will pay these increased costs whether construction is at the same location or another location, with some restrictions.</p><p>The building ordinance endorsement requires that you purchase coverage equal to 80 percent of the property’s replacement cost value. This is an optional coverage. Call us with any questions.</p><p><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">                                <a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://reichleyins.blogspot.com" title="View our blog"><img src="https://s3.amazonaws.com/sendible/36616/original.gif" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span></p><img style="display:none;border:0;" src="http://sendible.com/messages/875133ec-78e8-4d4f-9cb6-796e89e60b96?service=Blogspot&f=784780&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-6260780939675901448?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-41843790314211962402010-08-05T07:15:00.001-07:002010-08-05T07:15:38.690-07:00<p><img src="https://s3.amazonaws.com/sendible/34334/original.jpg" /> Coverage under the commercial property (CP) policy is for property only. A separate policy form provides liability. The CP policy covers buildings, the insured’s personal property, and under certain circumstances, personal property of others. For coverage to apply, there must be a limit shown in the declarations for that type of property.</p><p>Insurance contract interpretation relies on meanings disclosed in common usage dictionaries, unless the term is specifically defined in the policy. Building means the building or structure described in the declarations. Further definition is unnecessary since the only question that would arise in the event of a claim is if the building or structure is described in the declarations.</p><p>Coverage under building coverage applies to five other classes of property:</p><ol><li>Completed additions to any building or structure described in the declarations. </li><li>Fixtures, including outdoor fixtures. </li><li>Permanently installed machinery or equipment. </li><li>Personal property used to maintain the building, structures or premises. </li><li>Additions under construction or alteration and repairs to the building or structure. </li></ol><p>While completed additions to an insured building or structure are automatically covered, it is important to pay attention to the coinsurance requirement in the policy. To make sure that you maintain the proper coinsurance amount, it is important for you to contact us immediately when you start construction.</p><p>Fixture means something that is fixed or attached as a permanent attachment or as a structural part. An outdoor light attached to the building would be covered as a fixture. Outdoor furniture would not automatically be covered as a fixture.</p><p>Many businesses utilize equipment that is installed permanently. That does not mean that it has to become an integral part of the structure, but that it is installed without the ability to simply move it around without a significant effort to uninstall the piece of equipment. Examples would be a printing press or milling machine.</p><p>Personal property used to maintain the premises might include mowers and snow blowers, fire extinguishing equipment, floor coverings, or appliances for refrigeration or cooking. Items of personal property for the maintenance of the premises could be considered part of the building, but again, maintaining coinsurance is important.</p><p>Additions under construction or alteration and repairs to the building or structure are covered. Materials, equipment, supplies and temporary structures within 100 feet of the described premises would be covered unless there is other insurance applying. For these items to have coverage, the policyholder must have an insurable interest.</p><p>There is nothing simple about making these judgments, so it is important that you have someone who has a good understanding of commercial insurance to help guide you through this maze. We stand ready to help you with any of your insurance needs.</p><p><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://www.reichleyins.wordpress.com" title="View our blog"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15373/original.jpg" alt="View our blog" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span></p><img style="display:none;border:0;" src="http://sendible.com/messages/52f5b520-c6d7-479e-91c0-1c8b9b8336e1?service=Blogspot&f=784780&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-4184379031421196240?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com1tag:blogger.com,1999:blog-6698704195393063690.post-42998513122505756962010-08-03T06:31:00.001-07:002010-08-03T06:31:15.986-07:00<p><a href="https://s3.amazonaws.com/sendible/29696/original.jpg"><img src="https://s3.amazonaws.com/sendible/29696/original.jpg" /></a> A common situation many of us find ourselves in today is the personal use of a company vehicle. When you are furnished a company vehicle, you are generally provided coverage to use that vehicle through your employer’s auto insurance policy. But your employer’s policy usually does not cover you if you then borrow or rent a vehicle to be used personally.</p><p>If you also own a personal automobile, and have that auto covered by a personal automobile policy, you probably already have this coverage. But, if you do not own a personal vehicle, you definitely have a gap in coverage. Some employers will endorse their business auto policy to provide you with this coverage; however, it may be at your expense. The coverage is badly needed if you either rent autos, or borrow automobiles.</p><p>A second very important exposure you face is injury to a co-worker. The majority of business auto policies exclude coverage for you if you injure a co-worker riding with you in your company vehicle. In most cases, the worker would be covered by workers’ compensation, but some states allow an injured employee to sue the negligent party in addition to filing a claim.</p><p>In some cases, you can add extended non-owned auto coverage to your personal auto policy. Also available, in some instances, is coverage that can be picked up through the personal umbrella policy. The trend in umbrella coverage is away from extending this coverage, but some will fill the gap for liability from injuries and property damage you cause while operating a non-owned vehicle.</p><p><i><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office">Reichley Insurance Agency</a> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.</i></p><p style="text-align: center;"><a href="http://www.reichleyins.com" title="Visit Our Virtual Insurance Office"><i> </i></a></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.reichleyins.com" title="Visit our virtual insurance office"><img src="https://s3.amazonaws.com/sendible/25768/original.jpg" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Our dedication makes the difference...</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618" title="Become a fan"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15374/original.png" /></a>  <a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a" title="Get linked with us!"><img src="https://s3.amazonaws.com/sendible/11029/original.png" /></a> <a href="http://www.reichleyins.wordpress.com" title="View our blog"><img height="30" width="30" src="https://s3.amazonaws.com/sendible/15373/original.jpg" alt="View our blog" /></a></span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Toll Free: 87-REICHLEY (877-342-4539)</span></span></i></p><p style="text-align: center;"><i><span style="font-size: small;"><span style="font-family: times new roman,times;">Email: <a href="mailto:info@reichleyins.com">info@reichleyins.com</a> <a href="mail to: info@reichleyins.com"></a><br /></span></span></i></p><p style="text-align: left;"><span style="font-size: small;"><span style="font-family: helvetica;"><span style="font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span></span></span></p><img style="display:none;border:0;" src="http://sendible.com/messages/10a34fab-ce6b-49f3-9745-7025480885ff?service=Blogspot&f=784780&view=true" /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-4299851312250575696?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0tag:blogger.com,1999:blog-6698704195393063690.post-68212568066246390382010-07-30T13:55:00.000-07:002010-07-30T14:01:18.465-07:00<div class="separator" style="clear: both; text-align: center;"><a href="http://2.bp.blogspot.com/_Cm8mmfv7p8Q/TFM5jxpJzZI/AAAAAAAAAAc/_2u0ikD8ZuA/s1600/Flood+Road+Closed.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" bx="true" src="http://2.bp.blogspot.com/_Cm8mmfv7p8Q/TFM5jxpJzZI/AAAAAAAAAAc/_2u0ikD8ZuA/s320/Flood+Road+Closed.jpg" /></a></div>According to the National Flood Insurance Program (NFIP), a flood is a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area, or of two or more properties (at least one of which is your property) from: <br /><ul><li>Overflow of inland or tidal waters</li><li>Unusual and rapid accumulation or runoff of surface waters from any source</li><li>Mudflow in the form of a river of liquid and flowing mud </li><li>Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above. </li></ul>The National Flood Insurance policy form for one to four family residential buildings provides coverage for buildings up to $250,000, and if purchased separately, coverage for personal property up to $100,000. Flood insurance coverage is limited for damage in areas below the lowest elevated floor (including crawl spaces) depending on the flood zone and date of construction, and in basements regardless of zone, or date of construction. Also limited are enclosed areas under an elevated building. <br /><br /><div></div>Physical damage to your building and personal property, which is directly caused by a flood, is covered by flood insurance. Some things that are not covered by either building or property coverage are: <br /><ul><li>Damage caused by moisture, mildew or mold that could have been avoided by the property owner. </li><li>Currency, precious metals and valuable papers such as stock certificates. </li><li>Property and belongings outside of a building such as trees, plants, wells, septic systems, walks, decks and patios, fences, seawalls, hot tubs and swimming pools. </li><li>Temporary living expenses. </li><li>Business interruption losses. </li><li>Most self-propelled vehicles. </li></ul>You might be tempted to take a big chance and go without this valuable coverage. When you consider that the cost of this coverage can be less than $200 annually, you will be doubly disappointed if you have an uninsured loss. If you are interested in adding this coverage to your package, contact our office. We will work with you to provide this valuable coverage.<br /><br /><br /><div><em>&nbsp;</em><a href="http://www.reichleyins.com/"><em>Reichley Insurance Agency</em></a><em> is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs - and falls within your budget.</em></div><div align="center"></div><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody><tr><td style="text-align: center;"><img border="0" bx="true" height="80" src="http://4.bp.blogspot.com/_Cm8mmfv7p8Q/TFM6gHWihBI/AAAAAAAAAAk/Md4bSnX4gww/s200/Reichley_Ins_logo_spot.jpg" style="margin-left: auto; margin-right: auto;" width="200" /></td></tr><tr><td class="tr-caption" style="text-align: center;"><em><span style="font-size: x-small;"><a href="http://www.reichleyins.com/">Our dedication makes the difference...</a></span></em></td></tr></tbody></table><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody><tr><td style="text-align: center;"><a href="http://3.bp.blogspot.com/_Cm8mmfv7p8Q/TFM6kJv5cLI/AAAAAAAAAAs/aH1ypdwYEHM/s1600/40px-Facebook_favicon_eps.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" bx="true" src="http://3.bp.blogspot.com/_Cm8mmfv7p8Q/TFM6kJv5cLI/AAAAAAAAAAs/aH1ypdwYEHM/s320/40px-Facebook_favicon_eps.png" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;"><a href="http://www.facebook.com/pages/Beavercreek-OH/Reichley-Insurance-Agency/105858273618">Find us on Facebook</a></td></tr></tbody></table><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody><tr><td style="text-align: center;"><a href="http://1.bp.blogspot.com/_Cm8mmfv7p8Q/TFM6mriV_4I/AAAAAAAAAA0/X-0o8uKPwK0/s1600/linkedin2.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" bx="true" src="http://1.bp.blogspot.com/_Cm8mmfv7p8Q/TFM6mriV_4I/AAAAAAAAAA0/X-0o8uKPwK0/s320/linkedin2.png" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;"><a href="http://www.linkedin.com/pub/perk-reichley/0/647/66a">Get Linked with Us</a></td></tr></tbody></table><span style="font-family: Arial, Helvetica, sans-serif; font-size: xx-small;">The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Contact our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.</span><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/6698704195393063690-6821256806624639038?l=reichleyins.blogspot.com' alt='' /></div>Reichley Insurancehttp://www.blogger.com/profile/12660623750592322810noreply@blogger.com0