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What Aerating Your Lawn is & Why You Should Do It

10/20/2022

 
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Last July we shared some tips with you on reconstructing your lawn after a natural disaster. After the hurricanes of 2020, as well as the ice storm and flooding of 2021 we thought the information provided would be beneficial to our readers.

​Today we'd like to expound on one of the topics mentioned in that blog post.

​Aerating is the process of putting tiny holes the soil of your lawn. This process allows water, air and fertilizer to penetrate the ground, encouraging better absorption of the things necessary for a beautiful lawn.


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3rd Quarter Check-Up

9/20/2022

 
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The 3rd Quarter of 2022 is almost over, so we thought we'd do a quick check up to review with you some things you might want to be aware of....

Our children have been back to school for several weeks now, but it's always wise to drive with care and pay attention out there.

We're still smack in the middle of hurricane season and although we've been blessed so far to not have anything come close to us, we're not out of the woods yet. Brush up on your preparation tips as well as binding restrictions for home, auto and recreational vehicle insurance.

You might also want to review our posts on understanding your home or mobile home insurance and policy deductibles as well as the need for flood insurance.

Football and Festivals are in full swing. We've got information that will help you be safe and have fun while you're out and about.

Medicare AEP is right around the corner (Oct 15 - Dec 7) so now is a good time to review your Medicare policy. New to Medicare? Check out our FAQ and Understanding Medicare posts. If you don't already have a local agent, give us a call. We'd be happy to be yours! Have Medicare and Medicaid or a Veteran with Medicare? We can help you too!

If travelling is in your plans for the holidays this year, check out our tips for travelling smart and other articles that can benefit you during the most wonderful time of the year.

As we round out 2022, we here at Curtis Insurance sincerely hope we've provided blog posts that are educational and informative and pray you'll drop by monthly to see what we're sharing.

Until next time take care and remember.... In a world where you can be anything, be kind.
​Tommy Curtis and Staff

Disclaimers:
ALL 
material on this blog is available for informational purposes only and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own personal advisors before making these types of decisions.

Life and Medicare Products marketed through Curtis & Associates Financial Services, Inc.
​{A Life and Health Agency}

Medicare has neither endorsed nor reviewed this information.
Not connected or affiliated with any United States Government or State agency.
Calling this number will direct you to a licensed Agent/Broker.

*By contacting us and providing information, you agree that an authorized representative or licensed insurance agent may contact you by phone, e-mail or mail to answer your questions and provide additional information about Medicare Advantage, Part D or Medicare Supplement Insurance plans.

To File or not to File, That is the Question… by Pamela S Thibodeaux

7/20/2022

 
Picture Image by WikiImages from Pixabay
As a newly licensed agent years ago, I learned the definition of Insurance is “shared risk.” This was never more demonstrated than when Hurricane Rita hit in 2005. I remember that time like it happened yesterday. The stress of evacuating with a husband only weeks out of the hospital from having a defibrillator installed to keep his impaired heart working. Coming home to damages to my house, loss of food and electricity, no one to fully assess our loss (remember my husband couldn’t climb a ladder or anything). Thankfully when I called our insurance company at the time, and explained our situation, they sent someone out right away and we were treated very well. Then there was the delight of returning to work and having to hop from one desk to another because the office was inundated with claims agents. They worked long hours in the office and in the field, checkbook in hand, anxious to help our valued clients get through one of the biggest and meanest hurricanes to hit the Lake Area in nearly fifty years.


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For Goodness Sakes, Get the Bullseye OFF Louisiana!

6/16/2021

 
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Last month The Weather Channel called Lake Charles "The most weather-battered city in America" and they weren't kidding!

2 major hurricanes last year, an ice storm/freeze and flooding this year and now there's a disturbance in the Gulf that has everyone on edge. From what we can gather, we here in SW LA, will undoubtedly get a bunch of rain and hopefully not more than that.

Although, a repeat of May's torrential deluge would certainly be no picnic for us but please, don't panic people.

In our last post, we discussed some things to help you relax and stay calm during the upcoming Hurricane Season. This is one of many posts here on our blog that offers tips, tricks and advice on many things Weather and Insurance related. 

So grab a snack, follow the links in each post and read on so that you'll be as prepared as possible to handle whatever Mother Nature throws at us.

Until next time, take care and remember.... Organization is key to any plan, especially in case of evacuation.

Tommy Curtis and Staff

Longer Hurricane Season?

5/17/2021

 
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The National Hurricane Center is considering changing Hurricane Season from June 1 to May 15th.

You’ve got to be kidding me – Right!?!

Let’s face it, many of us haven’t fully recovered from 2020 hurricanes and now, as if we don’t have enough to fret about, the powers that be in the Weather Center want to add 2 more weeks of hurricane worry upon us.

RELAX.

​Regardless of when the National Hurricane Center states hurricane season starts or ends, there is no need to panic or fear. Being prepared and having a plan, however, is imperative.


We may not be able to control Mother Nature, but here are some things you can do…

Have an Evacuation Plan. No matter if the storm hits east or west of us, having an evacuation plan in place helps alleviates the stress of leaving.

Review Your Home or Renters and Flood Insurance Policy ahead of time. Understanding your policy coverage, deductibles and limitations makes you a responsible homeowner/renter.

Take pictures or a video of your home, contents, sheds or outbuildings, and yard helps you be more organized if you have to file a claim. Include pictures of closets and drawers, dishes, pots, silverware – everything! Many folks lose out on valuable reimbursement without proper documentation of what you own – especially those who have total or near-total losses. Have items in storage? Have pictures and an inventory list of those too as a percentage of your contents coverage extends to these things.

It is especially important to record any existing damage on your home! If you happen to get caught with a new claim, this will help you and your insurance company from butting heads over details between claims.

Keep a travel kit ready. A single suitcase or tote or briefcase with policies (including life, health and auto), Vet Records, Kid’s immunization records, Medications and/or a list of medications (include dosage!), Allergies, legal documents that may be important if you or a family member becomes ill or dies during evacuation, etc. saves you from having to think about these things when preparing to evacuate.

Find more ideas on what to bring with you or have on hand if you decide not to evacuate in this post.

Other important things we learned during 2020 hurricanes can be found HERE and more tips for travelling smart are listed in THIS blog post.

Hopefully we’ve provided you enough information in this and other posts to help ease the stress of travelling or evacuating.

Until next time, take care and remember…. Preparation is the key to success.

Tommy Curtis and Staff

Time Marches On….

8/19/2020

 
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Well, August is half over and it’s hot, hot, hot! To say it’s been quite a year, is an understatement, yet, here we are…
​
Summer is drawing to an end and kids are returning to school so, please be careful of those young drivers out there! There’s still plenty of fun in the sun to be had though, so check out our safety tips. 

Hurricane season is nearly half over but we’re not out of the woods yet. If you haven’t reviewed your Home Insurance policy, now would be a good time to do so. Now is also a good time to get that Flood policy in place. There is a standard 30 day wait on flood insurance, so don’t put it off any longer – give us a call today!


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Pre-Existing Conditions

7/22/2020

 
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​We’re in our second month of Hurricane season and I am forever amazed at some of the phone calls we receive for home insurance. Although we have discussed understanding home insurance in detail, binding restrictions, riders and endorsements, have FAQ’s and have covered policy discounts, many people aren’t aware of the guidelines and regulations regarding a home insurance policy.
​
Here are a few things to consider before calling us, or anyone, for a home insurance quote….


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Extra Precautions to Protect Your House While Staying at Home

6/23/2020

 
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Due to the stay-home orders which have been in place for months now, insurance companies are receiving several claims from not unusual, but uncommon, damages. This led to some important information you need to know to help keep your home safe.

Although Fire Safety was covered in our Jan. 2018 blog post, we need to reiterate some of that information here, mainly, keeping the batteries changed in your smoke detectors. One of the biggest sources of fires outside of winter months are candles. Therefore, it is imperative you do not leave candles burning unattended! Also, keep candles away from drapes, towels, rugs, and other flammable items. Another cause of fire claims lately – Dryer Vents. Dust and Lint are fire hazards so keeping your dryer vent clean and clog-free will help alleviate heat build-up which could result in a fire.


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    Lake Charles, LA 70601

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