Tip to Preventing and Treating Mold

Tip to Preventing and Treating Mold

Mold is part of the natural environment. Mold that grow outdoors play a huge part in nature’s break down of dead organic matter such as fallen leaves and dead trees, however, indoor mold growth should be avoided at all causes. Here are some tips on treating and preventing mold.

How to treat and get rid of mold:
• Dry it up – Mold and mildew thrive in wet environments. Get a dehumidifier to evaporate all damp areas in your home, also, fix any leaks.
• Purify the air – Invest in an air purifier to cleanse the air after removing all the mold to avoid an allergic reaction.
• If you have very minimal mold, a simple Clorox and water solution should help remove the affected area in your home, however, if you have sufficient mold damage, it is in your best interest to contact a restoration specialist to help remove the mold and repair damages.

How to prevent mold:
• Keep living areas dry – Keep your living space as dry as possible. Air purifiers help keep the air clean and dry. Keep your bathroom dry by installing a ventilation fan.
• Equip your home with mold-resistant products and materials.
• Improve air flow in your home – Open windows, doors and move furniture away from the wall to increase air flow and circulation.

Remember, not only does mold damage your home but it can have an effect on you and your family’s health. Mold can cause all of the following:
• Headaches
• Breathing difficulties
• Persistent cough or cold symptoms
• Burning or irritation of the eyes, nose, throat or lungs
• Asthma attacks
• Skin irritation

Kick mold to the curb today! If you or someone you know is in need of a restoration for mold remediation, call C.H. Edwards, Inc. today and one of our friendly representatives will be happy to provide you with information. (516) 249-5200.

8 Things To Know About Umbrella Policies

8 Things To Know About Umbrella Policies

Many consumers are often confused or unsure whether or not to buy an umbrella insurance policy. You may be asking yourself, what is an umbrella policy and how will it cover me?

Well, look no further here are eight things that you should know about personal and commercial umbrella policies are:

1. A personal umbrella provides an additional layer of liability coverage above and beyond the liability limits in an auto and homeowner’s policy.

2. The personal umbrella policy is extremely undersold. The vast majority of people with personal exposures do not have an umbrella policy, when they really should.

3. Personal Umbrella policies are on of the most inexpensive coverage’s available.

4. An insured does not need to be a millionaire to have a $1million personal umbrella policy. You don’t need to own a home, be married or even have children. An umbrella policy is simply extra coverage to protect you.

5. Personal umbrella policies are not something most people buy; it is something they have to be told about. Most clients will not ask for an umbrella policy. The agent has to proactively educate the client and let them know what it is.

6. Personal Umbrella polices can be sold as a monoline policy, that means by itself. While Umbrellas are often tied to auto and home policies, there are companies that offer standalone umbrellas at a very reasonable price.

7. A commercial umbrella policy provides additional liability limits above and beyond the primary limits in commercial general liability and commercial auto policies.

8. One key issue with a commercial umbrella policy is whether it provides defense costs inside or outside the policy limits. In cases of large and sever claims, it is important to have defense outside the policy limits so that the policy limits are preserved to pay for the claim.

If you have any questions or would like to obtain a free quotation on a personal or commercial umbrella policy, give C.H. Edwards a call today at 516 -249-5200 or visit our website at www.chedwards.net and one of our umbrella specialist will be happy to assist you .

 

Welcome to Our New Website & Blog!

Welcome to Our New Website & Blog!

C.H. Edwards, Inc. would like to extend a warm welcome to our new website and blog! Through our newly revamped website and blog, our team will update you on the latest news within the insurance industry while also offering regular lifestyle tips.

Our blog will be your first stop for not only the latest information, but also community events in New York and surrounding areas in New York. We encourage you to browse through our new innovative website to see all that we have to offer.

We are always available to guide you through the insurance shopping process for all of your New York insurance needs. We work to serve the best interests of you, your family, and your business.

We’re Going Social!

We’re Going Social!

On top of releasing our new innovative website, we have also updated all of our social media pages including Facebook, LinkedIn, Google+ and Twitter. You can now communicate with us through whichever platform you prefer.

We would love to receive feedback and find out what topics you want to learn about, feel free to comment on our posts and tell us what interests you!

Don’t forget to like, follow, connect, gather, subscribe and share today – Let’s Get Social!

The Advantages of an Independent Insurance Agency

The Advantages of an Independent Insurance Agency

There are multiple options when it comes to buying insurance, and with all the different choices it may get a bit confusing.  However, when you use an independent insurance agency we are here to clear the confusion and help you with your needs.

As an independent insurance agency, we represent multiple carriers and are able to explore all of your insurance options in order to find you the best policy at the best price. When using a traditional insurance company, you are limited to what they themselves offer.

Over time, your individual and business insurance needs may change and as an independent insurance agency we can make that transition much easier on you.

When it comes to you, your family, and your business we want to make sure you have the coverage you need – it’s our job to help you!

At C.H. Edwards, Inc. your needs are our first priority, contact us today for all of your New York insurance needs.

Take Control of Your Auto Insurance Premium

Despite popular belief, you can take control of how much you pay for auto insurance. There are a variety of aspects affecting the price you pay each month, many of which are lifestyle factors. Take control of your auto insurance premium by making these simple adjustments:

  • The coverage you choose and your deductible affect how much you pay each month. It is important to know that when you choose a higher deductible, you pay less each month. Likewise, when you choose to pay a lower deductible, you will see the difference in your monthly bill. Speak with your insurance agent and make sure you are only paying for coverage that is absolutely necessary and beneficial based on your unique needs.
  • The car you drive has a great impact on your auto insurance premium. Before purchasing a new car, be sure to contact your insurance agent to make sure you don’t take on any additional insurance expenses on top of the monthly car payment you just opted for.
  • Reducing your commute can help you receive discounts. The more you are on the road the greater your chances of being involved in an accident are. Therefore, walking or biking whenever possible decreases your vulnerability. If you move to a location closer to your work, be sure to inform your insurance agent so they can take into account the decrease in mileage.
  • Driving safely and slowly can also help you receive discounts. Each traffic violation you receive and each accident you are involved in will increase your auto insurance premium.

At C.H. Edwards Insurance, Inc., you’re a person, not a policy number. We understand the importance of personalizing a unique insurance package based on the exclusive needs of each customer. Contact us today for all of your New York auto insurance needs.

Outdoor Safety

Outdoor Safety

campingCamping season is here and it’s time for fun for the whole family. Before you head out into the great outdoors, it is essential to know how to identify outdoor hazards as well as how to treat wounds from those hazards.

Poison Ivy:

How to Identify – Poison ivy plants have three pointed leaves that change colors with the seasons, reddish in the spring, green in the summer, and yellow, orange, or red in the fall. On most plants, the leaves have rough edges; on others, the leaves have smooth edges. poison-ivy

How to treat Poison Ivy rash – If you have an allergic reaction to poison ivy, use a cold compress or calamine lotion to relieve the itching. If the rash is near your eyes or covers a large part of your body, call a doctor immediately.

Insect Bites:

How to Identify – There are many different types of insects that bite or sting. Some bites and stings are painful and some can also spread illness. Bites from mosquitoes are itchy and uncomfortable, but are usually harmless. Identifying a bug bite by how it looks and feels will help you know whether to seek medical attention or treat the skin bump at home.

mosquitosHow to Treat an Insect bite – Try these methods for itch relief:
• Wash the area of the bite with soap and water.
• A cold compress or ice will help reduce itching and swelling.
• Calamine lotion or an over-the-counter hydrocortisone cream will help soothe itching.

How to Prevent an Insect bite – Apply bug spray or use wearable bug repellent bracelets with DEET. DEET is the active ingredient that normally provides protection that lasts longer than others.

Mosquitoes with the West Nile Virus:
Mosquito bites can be a nuisance. But mosquitoes also can carry illnesses. In the United States, mosquitoes can spread West Nile virus. For about 80% of people who are infected, this virus causes no symptoms. But in some people, the virus can cause severe illness and even death. bug spray

In mild cases, symptoms may include:
• Fever
• Body aches
• Headache
• Vomiting
• Swollen glands

If you have any of the following symptoms contact your doctor immediately:
• High fever
• Muscle weakness
• Vision loss
• Neck stiffness
• Disorientation or stupor
• Tremors, convulsions, numbness, paralysis

Symptoms usually occur three days to two weeks after a bite from an infected mosquito.

Prepare yourself, as well as your family for your outdoors trip this year. Make sure to go over all the possible dangers of the outdoors as well as other safety rules while on your getaway.

For more outdoor safety information visit http://www.fs.fed.us/recreation/safety/safety.shtml.

Written by: Amanda Haase

Mc Donald’s Makes Plans To Serve Breakfast All Day

Mc Donald’s Makes Plans To Serve Breakfast All Day

McDonalds Rise and shine because it`s about to be morning all day long. McDonald`s has been testing their breakfast menu being served all day for several months now and it looks like it`s here to stay. According to Time.com the nationwide rollout could begin as early as October of this year.

The exciting news was announced after one franchise based in Tuscon released a menu to all the McDonald`s employees to prepare them for the switch. These test menus began in San Diego, Mississippi and Nashville, TN. And now it`s expanding nation wide. This menu change is one of McDonald`s chances to raise their mc donalds breakfastdecreasing sales. Their sales have been slowing down over the past few years and serving McMuffins all hours of the day may be their last hope to defeat their low sales. Only time will tell, but with the amount of excitement this news has generated, we have to think McDonald`s might be onto something.

Written by: Sandra Costanzo

Be Thirsty

Be Thirsty

I believe in the ability to improve and overcome. In my opinion, any situation can be winnable depending upon my desire to succeed.

Even if an altercation becomes physical, even if I am smaller, or seemingly weaker; as long as my will and intent outweighs the fear in my heart and the physical ability of my opponent, I can beat anyone.

Understand something; our level of willingness is what determines our level of accomplishment.

Depending upon my hunger, or on my thirst for the better, and depending upon my determination, I can improve and succeed in any situation

As long as I refuse to quit and as long as I am prepared to continue, no matter how much time needs to be put in, my desire to win is what strengthens my ability to endure—because without endurance, there will never be any victory.

The way I see it . . .

There is no such thing as a cheap win.

In fact, no true win is ever easy.

Easy is valueless

Easy is quick and fleeting

Easy is like a teenage boy running home after his first three minutes of sex and never understanding the compliment of laying still beside the accomplishment of a first love.

Back when I was a kid, I remember a few girls that went to a photographer. They paid to have a portfolio made up.

They paid for head shots or any shots that would (at least, in their
eyes) qualify them as a model.

Next day, they walked around, bragging to their friends, and telling everyone about their huge modeling career.

They told everyone, “I’m a model now.”

But they really weren’t . . .

I remember sitting across from a man in a bookstore. He was standing in front of me, speaking about himself, and telling me about his writing.

This man proceeded to tell me why I will never be successful as a writer.

I listened to this man break my spirit and put ne down for nearly twenty minutes, though I’m not sure why.

I suppose I listened out of educational intimidation or maybe I listened because of my overwhelming bouts with insecurity.

I listened, halfway to impressed, and then I asked the man, “How many books have you had published.”

“Oh, I’ve never been published,” he told me.

Next, the man proceeded to tell me about a book deal he had. Told me how he had a publisher at his heels. Said, “The book shouldn’t cost me that much to publish.”

“A little less than two grand,” he told me.

I asked him, “So you’re going to pay to be published?”

“Yeah,” he answered. “Didn’t you do it like that?”

That’s when I told him, “No.”

That’s when I explained, “Paying to be published is not the same thing as being a published author.”

“Paying to be published is just like going to a printer . . . Anybody will print anything if you pay them to do it.”

Then I pointed to a sign that said, “Meet The Author,” and asked him to walk away from the table at my book signing.

See, I made a decision a while back. Whatever kind of writer I will be; it will be because I taught myself and pushed myself. That’s why I write everyday. Whatever success I find will be because I never quit and I never listened to people like the man from the bookstore or to the girls who paid to have their photos taken.

There will always be someone looking to brag or pose like they’re successful.

But bragging is not the same thing as winning.

At least, not to me it isn’t.

Be thirsty folks, and whatever you do

be sure to enjoy your day!

Written by Ben Kimmel, The Written Addiction www.thewrittenaddiction.com

Man-Meditating