Harris, Reed & Seiferth
|
HealthiestYou is a standard price and includes the whole family -- just $20 per month, making it an affordable option that simplifies care by eliminate the copays and time spent in waiting rooms that come with standard doctors office visits. The HealthiestYou network has doctors licensed in nearly every state, so it's great if travel often inside the country. Included with membership is access to doctors ready to diagnose, treat, and prescribe medication for many of the most common ailments, right over the phone!
HealthiestYou can handle more than 70% of primary care doctor office visits offering:
NEW! Dermatology Services – You can share photos of your skin condition or infection with a board-certified dermatologist and receive a diagnosis and treatment plan within two business days (typically within 8 hours). Free follow-up is included for a week after the session.
HealthiestYou can be a great add-on to insurance products you currently have! Click the button below to get started.
0 Comments
According to the National Flood Insurance Program (NFIP), everyone lives in a flood zone. Even those who don't live near water are at risk, because anywhere it rains, it can flood. Heavy rains, clogged or insufficient drainage systems, nearby construction projects, broken water mains and inadequate levees and dams can cause flooding that put your home and belongings at risk.
Your home is one of your greatest investments. It's important to prepare ahead should disaster occur. Here are three simple steps to help make sure you're ready in the event of a flood.
It's important to know that most home policies don't cover flooding and just a few inches of water damage can cost thousands. To find out if you live in an area that is at risk for flooding, type in your address in the FEMA Flood Map Service Center and use this interactive tool to learn more. Renting out your home or a room in your home on Airbnb can be a good way to generate income, but you need to understand what is and isn’t covered by your homeowner’s insurance.
Homeowners Insurance and Home Sharing Homeowners insurance combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. With home sharing, the rules are much less black and white. While some insurance companies will allow you to extend your homeowners coverage to a STR (short-term rental) if it’s a one-time event and you notify the insurer ahead of time, others contrarily may require you to purchase a specific endorsement, which is added on to your existing policy to cover the temporary rental. When Home Sharing Is a Business Regularly renting out your home or parts of it for income will generally be viewed as business activity by an insurance company. Instead, you’d need to purchase business insurance. If you’re planning to rent the entire home for an extended period of time, you'll need landlord insurance, as well. Landlord insurance covers the home itself as well as any structures that are on the property, such as a garage or shed. These policies typically cover you for losses such as fire or wind damage, but they won't reimburse you for damage caused by normal wear and tear or for the loss of your tenant’s personal property (tenant should acquire renters insurance). Home Sharing as a Renter You’ll also need to cover your insurance bases if you’re a renter and subletting to someone else. First things first: You have to be sure that your landlord allows you to sublet. From there, you need to check with your renter’s insurance company to see if your coverage would apply to someone who’s subletting. If you’re not planning to live in the rental while you’re subletting, the sublessee would need his or her own renter’s insurance. Keep in mind that if the sublessee damages any of your personal belongings while you’re away, your renter’s policy may not cover it. Which Companies Offer Home-Sharing Coverage? In response to the growth of the home-sharing industry, a handful of insurance companies are moving toward expanding coverage for homeowners who rent out their homes through Airbnb and similar sites. Luckily we're representing a few and writing policies! Next step? Run a quote for home share coverage! Talking to your insurance company or agent about what is and isn’t included in your policy can help you determine what’s needed to fill the gaps. The wind in your hair, the sun on your face, and the open water in front of you. Sound appealing? Then you might want to join the ranks of boat owners all over the country. But before you cut through that clear blue, there are some things to keep in mind. Whether you're buying a fishing boat, cabin cruiser, pontoon or speed boat, different components like cost, horsepower, weight capacity or onboard storage may prove to be more important to you than others.
Answer these questions before going boat shopping:
And a few other components to consider...
Source: https://blog.foremost.com/what-to-consider-when-purchasing-a-boat.asp
sane as preparations are made to start the next chapter of life. If you're also planning on a move, don't you fret! Follow along beginning to end as we create a tolerable moving experience for ourselves. This four-part series will prepare you for the move, teach you effective and time-saving hacks for packing, help you organize the moving-out process, and get you ready to move into your new home. Let's start off by checking these items off our list.
Source: https://blog.foremost.com/preparing-to-move.asp
Snowmobiling is easily one of the most exhilarating winter pastimes. Whipping around in the snow and feeling the cold breeze on your face brings such a rush of adrenaline that can't be easily matched. Not to mention, they are a great way of getting around when the snow piles up! If you're considering buying one of your own snowmobiles, you're probably asking a lot of questions about what to consider when making the purchase, especially because these sleds can be quite an expensive investment. We want to make sure you are prepared to invest your money on the best snowmobile you can find which is why we're also here to help you with snowmobile insurance — here are some tips that will get you out on the trail with the best sled around! Be realistic about what you need Your budget, ability, and location are all important factors when considering the purchase. How much money do you want to spend? Is newness important to you? Are you an experienced snowmobiler? These are all valid questions to ask yourself before you begin your search. Consider buying a used snowmobile These babies can still be some of the most reliable sleds around. Buying a used snowmobile will give you all the fun with a lower price tag, which is always appreciated! Research different brands Every brand out there has some great snowmobiles, but asking friends and family who own snowmobiles of their own will help you make a more educated assessment on what brand to continue with. A personal story gives you a trusted source to base your decision on. Look under the hood If you are buying a used snowmobile, check the hood! If the engine and clutches are dirty and covered in oil, it might not be the best idea to make the purchase. A clean sled is a healthy sled! Start the snowmobile up and let it run for 5 to 10 minutes. It should rev consistently and will give you some time to check out the different lights and other electric functions of the sled. Ask questions Whether you are buying new or used, asking questions is the best way to make sure you are making the most educated investment possible. Good salespeople/previous owners will know the sled and will be able to answer any question you may have. Consider added costs Your initial purchase will be the most expensive, but supplying fuel, maintaining insurance, keeping up with maintenance costs, and remembering registration charges go hand in hand with the original investment. No matter what you decide, we hope you will have an exciting and safe winter sporting season. source: https://blog.foremost.com/Things-to-Consider-When-Buying-a-Snowmobile.asp
Experiencing a loss can be stressful, frustrating and disheartening, but having insurance coverage will help alleviate the financial burden a loss can cause. The first step in restoring your property and moving forward is to determine if your policy provides coverage for the loss. To do this you need to file a claim with the insurer. While the claims process isn't something many eagerly look forward to, there are definitely ways you can make it a less stressful experience. To help you successfully navigate the process, here are several tips for effectively and efficiently filing claims. Keep an inventory of all your insured possessions. Be proactive! If you keep a written document of your possessions, it can help make the claims process much easier if you experience a loss. Go from room to room and record each item and its value to prepare an inventory. An easy way to do this is to take photos or videos of each room and all of the contents in the rooms. Consider keeping receipts with the purchase date and original cost for your records too, in case of total loss. Your inventory list should be consistently updated, which can be done easily if you record new items shortly after purchasing them. Pro Tip: Your inventory should be easily accessible. It is a good idea to keep a couple copies of your inventory at different locations, with one location being off-premises in case of a total loss, like a fire. Reach out to your agent first. In the event of a potential claim, it's best to contact your agent directly instead of the broader insurance provider. Your agent will be able to explain your options and advise on whether filing a claim is in your best interest. In some cases, your agent may even file the claim for you. Report your loss promptly. Always file your claim as soon as you possibly can. Of course, theft losses should be reported to the police first, and in other situations of danger and urgency, safety takes priority. But once it's safe and reasonable to do so, you should contact your insurance agent. This is important because your policy might require you to make the notification within a certain amount of time. Not filing a claim within the time required in your policy may lead to a denial of the claim or may result in the claims process taking longer. Be prepared with the right information. When you file your claim or make follow-up calls regarding the process, be sure to have the right information so your conversation is easier and more effective. Have your inventory list and the details of your loss, and keep the following information handy for your claims representative:
Provide complete, correct information. Explain the situation accurately without downplaying or exaggerating your loss. Incorrect or incomplete information may cause complications and delays in processing the claim. Additionally, materially misrepresenting the facts of your loss may result in a loss of coverage. Record important details from all correspondence. While going through the claims process, be sure to write down important information from your phone conversations and in-person meetings with claims representatives and other contacts. This should include the time and date, as well as the name and title of the person you spoke with. This will help you stay organized and create records that may come in handy later. Make appropriate emergency repairs. If you're dealing with property damage it may be necessary to make immediate emergency repairs to prevent additional damages, such as calling a plumber to repair a broken pipe. Your policy might cover the costs of these emergency repairs, so be sure to inquire about them when filing the claim. It is also important to take photos or even videos before making the repairs, and save the receipts from all of the work that is done. Ask questions. Don't be afraid to ask your claims representative for more information or clarification. The process will go much more smoothly if you are both on the same page and fully understand each other. For example, if there is a disagreement about the coverage of the claim, ask for the specific language in the policy that is in question to find out if it is a matter of differing interpretations. Overall, it's important to have patience because every insurance claim is different! Some may be completed quickly, while others may take a few weeks or even months to be resolved. You never know when problems will arise, but these tips can help you to effectively address the situations and smoothly navigate the claims process. Source: https://blog.foremost.com/tips-for-effectively-filing-claims.asp
The best place to be on a sunny summer day is on the water; fisherman would certainly agree. Though, whether you favor the power boat for fishing, the refreshing quality of sailing, or even zippy momentum of jet ski freedom, there's serenity in water-based leisure that propels its infinite popularity. All of the daily worries seem to float away with the waves - until something goes awry and you’re left wondering what to do next.
You have Auto Insurance for your car or truck in the event of accidents. As a boat owner, your boat is vulnerable to risk, just like your car or truck, so it should always be insured and there are two different options that will work for you:
Harris, Reed & Seiferth Insurance Group is an Independent Agency that shops to find you the best value for your insurance dollar. No compromise in coverage or quality, and at renewal we shop again to insure our clients are still receiving the best value for their insurance dollar. If you have more questions, give us a call today to learn more and get a quote. Harris Reed & Seiferth Insurance Group Office: 561-768-8176 www.harrisreedandseiferthinsurancegroup.com Although many cavities need immediate attention to avoid serious complications, there are situations, when a cavity is small or just beginning, that treatment with a filling or drilling can wait or may even be prevented. It is up to your employees’ dentist to decide whether to treat a cavity now or later, but here’s some information to help inform the decision.
How Cavities Develop Tooth decay doesn’t happen overnight. In fact, as the National Institute of Dental and Craniofacial Research notes, it is a disease process that happens over time. Thankfully, sometimes it can be stopped, reversed or entirely prevented. Bacteria in the mouth continually form a sticky plaque film on the teeth, and then use the sugars from foods (and drinks) to create acidic toxins that can eventually dissolve tooth enamel or other parts of the tooth. The more often that teeth are exposed to these harmful acids, the greater the chance of experiencing tooth decay. After eating, the teeth are bathed in acids for approximately 20 minutes, according to the Wisconsin Dental Association. So the teeth of employees who graze on sugary snacks all day are under constant attack. This attack involves the acids dissolving minerals from the teeth, causing the teeth to decalcify and eventually decay, as the decalcified areas get larger and/or deeper into the teeth. Tooth decay can also start in oher areas of the teeth, like on the root surfaces that may be exposed due to gum recession as we age, or recession caused by gum disease. These root surfaces are not covered with enamel and can decay much more easily and quickly than the areas of the teeth that are covered by enamel. Can Cavity Treatment Wait? Soft white spots on a tooth, sometimes called incipient lesions, are the first visible signs that tooth enamel has lost some of its minerals and is beginning to decalcify, according to the American Association of Dental Consultants. At this point, the demineralization process can be stopped by reducing the frequency of sugary things that are consumed, along with emphasizing good oral hygiene practices. Over time, lesions can repair themselves with the minerals found in saliva and fluoride from toothpaste, among other sources. As noted by the Academy of General Dentistry (AGD), gum with xylitol can help remineralize tooth enamel after meals. The calcium in cheese and other dairy products can also help keep teeth healthy, the University of Rochester reports. When a dentist sees signs of early decay during an examination, he or she may tell the patient that while these areas may not need treatment involving a filling now, the dentist will keep an eye on those areas at each appointment—so that if a tooth needs a filling, it will be more likely to be a small one. When to Seek Treatment If early tooth decay is left untreated, it can break down more enamel and, in time, reach the softer dentin portion of the tooth. Not only will pain or tooth sensitivity become a real possibility as the cavity gets bigger, but the tooth won’t be able to repair itself—the decay will need to be removed and the tooth restored with a filling. If too much tooth enamel is destroyed, the dentist may have to place a crown to fix the tooth. Since tooth decay moves quickly through the dentin layer of the tooth, it may reach the inner pulp portion of the tooth (which is made up of blood vessels and nerves) if treatment is delayed. When decay infects the pulp, an abscess may form and spread an infection to the surrounding bone, explains the AGD. Not only can this situation be very painful, there are only two treatment choices. The dentist can either perform a root canal to remove all of the diseased pulp tissue or extract the entire tooth. Preventing Tooth Decay Prevention is always the best medicine, and when it comes to tooth decay, this adage is definitely appropriate. If your employees and their families adhere to the following basics recommended by the American Dental Association, they may never have to worry about the unpleasant consequences of tooth decay:
Hit the gym and work up a sweat for a free Fitbit or discounted Apple Watch from John Hancock!
The Boston-based insurance company's Vitality Rewards program, Wellness Benefits built into Life Insurance, offers policyholders an Apple Watch Series 3 for a $25 activation fee in exchange for regularly exercising, eating better and not smoking. Customers also can earn discounts on premiums and other perks, too. Beginning Nov. 6, customers can get the Apple Watch for $25 plus tax, but they must earn monthly points over two years by walking, running, biking or doing any exercise to pay nothing more for the device. Customers in the program who don't meet monthly the exercise requirement will be responsible for paying for the device, the company said. Or, they can opt for the free Fitbit activity tracker. Both devices are worn on the wrist and help users keep track of movements, calories and sleep. The more you move you move, the more you earn with the new Vitality program. Customers achieve Bronze, Silver, Gold or Platinum status based on an array of healthy activities. The higher the status, the better the rewards and perks. Points also can be earned for visiting the doctor, too. Customers in the program also may earn up to 15 percent off annual premiums, $600 in savings on healthy food purchases and discounts from Amazon, Hyatt hotels, iTunes, Royal Caribbean cruises and more, the company said. "At John Hancock, we’re taking a whole new approach to life insurance. With it, you can save on your premiums and earn valuable rewards and discounts by simply living a healthy life. In fact, the healthier your lifestyle, the more you’ll save and the greater your rewards," according the program's announcement on its website. The Vitality program is also perfect for diabetic customers. John Hancock offers life insurance, mutual funds, long-term care insurance and retirement and college savings plans. Drop us a line or give us a call for more information. Connect with us! "Like" Harris, Reed & Seiferth Insurance Group's Page on Facebook and follow us on Twitter. |
Categories
All
Archives
October 2023
|
Social MediaContact UsNavigation |
|
Website by InsuranceSplash
© 2024 by HARRIS, REED & SEIFERTH INSURANCE GROUP, INC. All rights reserved. | Privacy Policy