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Minnesota Weather. . .Now & Then

May 10, 2012 By Jon DeKok

Minnesota is a state of dramatic weather: in the winter of 1881, snow drifts were as tall as locomotives.

The 1881 Minnesota tornado outbreak struck southern Minnesota on July 15, 1881. At least six tornadoes touched down between 2:00 pm – 6:00 pm, killing 24 people and injuring 123.

New Ulm – 1881

The 1883 Rochester, MN tornado hit on August 21, 1883. It was one in a series of tornadoes that day, causing at least 37 deaths and over 200 injuries. It was (at least in part) the impetus for the creation of the Mayo Clinic. On July 21, two other tornadoes struck the area. An F4 (estimated by the amount of damage and eyewitness reports) tornado was one of a family of storms that killed 4 people near Dodge Center (15 miles west of Rochester), and that devastated Elgin, 10 miles northeast of Rochester.

Rochester, MN 1883

2012: Some states have already been hit hard by tornadoes. What does this mean for homeowners? Will they raise their rates?

It’s sometimes assumed insurance companies can increase prices whenever they want to – this is false.

When there is a large amount of storm damage in a state, companies may raise the prices they charge for homeowner’s insurance. Although it’s commonly assumed that insurance companies can raise their rates randomly, this is not true. All change to an insurance company’s rates must be applied for and approved by the state’s insurance commissioner. To learn more:  http://mn.gov/commerce/insurance/

If you have any questions regarding your insurance, call me at 507-226-8121.

Jon

dekokinsgroup@gmail.com

[tweetthis]MN Weather #Insurance #Tornado #blizzard[/tweetthis]

Filed Under: DeKok Insurance Group, Home Owners Insurance Tagged With: better coverage, better prices, DeKok Insurance Group, Insurance, Jon DeKok, MN auto insurance, MN business insurance, MN home insurance, MN Insurance Information, MN life insurance, MN umbrella insurance

10 Things Burglars Are Watching For

April 9, 2012 By Jon DeKok

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Many of you are planning your summer vacations, but are you also planning on protecting your home while you’re gone? Here are a few ways some homeowners alert burglars they’re gone.

Burglary Fact: In a matter of minutes, a burglar can grab jewelry, money, and a few valuables – enough to make the risk worth it. Most of them are in and out long before a concerned neighbor notices, or the police arrive.

Here are the top giveaways that you’re gone for an extended amount of time:

1. Closed drapes. If you choose to shut off the air conditioner, drapes can insulate your home from some of the heat. Go ahead and pull some of them part-way shut, but consider leaving at least those on the main level at least partly open.

2. A mail pile-Up. It doesn’t take a lot of effort to have the Post Office hold your mail for the days you’ll be gone and notify your newspaper that you want to cancel delivery for that time as well. Don’t order anything that will be delivered while you’re gone, or have it delivered to a friend’s address.

3. Long grass. Have someone mow your lawn or remove the snow from your driveway and sidewalks. If your front step is raised, have them remove the snow from there too. If you have a lawn service come in, ask them to send you a bill in the mail or pay them in advance. That way they won’t leave a bill hanging on the door – a sure sign you’re gone.

4. Timed lighting. Leaving no lights on or a few lights on all the time is like putting out the welcome mat for burglars. Investing in timed lighting saves electricity and deters break-ins.

5. You might enjoy letting your Facebook and Twitter friends know that you are about to embark on the vacation you’ve been working so hard for, but it’s better to tell them about the trip when you get home. Social media sites are constantly being watched by people you don’t know.

6. Vary the visits. If you have someone stopping by to check on the house, water your plants and lawn, and to feed the cat, ask them to come at different times of the day. If a thief is watching, they will be less likely to take the risk if the visits from your house-sitter happen at different times. Better yet – ask more than one person to stop by at different times.

7. The key. Don’t hide it – give a copy to the house sitter or sitters you have coming over.

8. No parking. If you usually park your other car in the garage, but decide to leave in the driveway while you’re gone, that’s a clue you’re not there.

9. The packed car. If you can, pack the car with the garage door closed. If you don’t have a garage, consider packing it very early on the day you’re leaving. If you get into the car without your luggage, anyone watching will assume you’re not going far.

10. Tell only the neighbors you trust that you’ll be gone. If you don’t know your neighbors well, keep your trip to yourself.

Do burglars really “case” neighborhoods? Yes. Planning ahead allows them a better chance to get in and out before a neighbor notices and the police arrive.

If you have any questions about your insurance, call me at 507-226-8121.

Jon

dekokinsgroup@gmail.com

[tweetthis]10 Things Burglars Are Watching For #InsuranceInformation [/tweetthis]

Filed Under: Home Owners Insurance, Homeowners Insurance, Insurance Information, Protect your home Tagged With: better coverage, better prices, DeKok Insurance Group, Insurance, Insurance Questions, Jon DeKok, MN auto insurance, MN business insurance, MN home insurance, MN insurance, MN Insurance Information, MN life insurance, MN umbrella insurance

Flood Insurance & WaterDamage – What’s the Difference?

March 26, 2012 By Jon DeKok

Flood Insurance:

Flood insurance is a separate policy that is sold by insurance agents, but that is from the federal government. It covers damage caused by water moving on top of the ground that enters homes.

Water-backup Coverage:

This is a separate endorsement to your homeowner’s policy and covers damage from water that rises up from backed-up sewers, washtubs, sinks, toilets, and sump pump failures.

Call 507-226-8121 today to learn more about flood insurance and to see if you have all the endorsements you need on your homeowner’s policy.

Let’s get you covered,

Jon

dekokinsgroup@gmail.com

[tweetthis]Flood Insurance & WaterDamage – What’s the Difference?[/tweetthis]

 

Specializing in home, auto business. umbrella, and life insurance for MN residents.

Filed Under: Flood Insurance, Home Owners Insurance, Water Damage Tagged With: better coverage, better prices, DeKok Insurance Group, Insurance, Insurance Questions, Jon DeKok, MN auto insurance, MN business insurance, MN home insurance, MN insurance, MN Insurance Information, MN life insurance, MN umbrella insurance

Insurance Trivia

February 13, 2012 By Jon DeKok

In 1995, MetLife introduced Snoopy as their mascot and started using the slogan, “Get Met. It Pays.” With the choice of a much loved cartoon character, MetLife radically changed insurance marketing by showing the friendly side of a business most considered serious to the point of boring.

As an assigned agent with MetLife, I’ve found that for some of my clients, MetLife Home & Auto “pays” by saving them a substantial amount of money on their insurance needs while providing them with excellent coverage.

It’s possible you’re paying too much for your insurance. To find out if I can save you money, call my office at 507-226-8121 or click HERE  to let me know you’re interested in a quote.

Jon

dekokinsgroup@gmail.com

[tweetthis]Insurance Trivia #MetLife #DeKokInsuranceGroup #Trivia #Snoopy[/tweetthis]

Filed Under: Auto Insurance, DeKok Insurance Group, Home Owners Insurance Tagged With: better coverage, better prices, DeKok Insurance Group, Insurance, Jon DeKok, MN insurance, MN Insurance Information

Ice Dams

December 15, 2011 By Jon DeKok

Ice Dams, DeKok Insurance

My wife likes the way icicles glisten in the winter sun. They can be pretty, but they are a symptom of something very unattractive.

An ice dam is the build-up of ice along the overhang of your roof.  When the roof warms up in the sun or due to warmer weather, other ice and snow higher up on the roof melts, and the water forms a pool above the build-up of ice along the edge of your roof.  At this point, the water can back up under the shingles and leak into your home.

The damage from this leakage is covered under most homeowner’s policies minus your deductible.

To prevent ice dams, remove the snow from the edges of your roof. This allows the moisture to drain and decreases the risk of damage inside your home.

Do you have insurance questions? Call my office at 507-226-8121 or email me at dekokinsgroup@gmail.com.

I look forward to hearing from you,

Jon

 

507-226-8121

dekokinsgroup@gmail.com

[tweetthis]Ice Dams #Insurance #DeKokInsuranceGroupInc #Icicles[/tweetthis]

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Filed Under: DeKok Insurance Group, Home Owners Insurance Tagged With: better policies, better prices, DeKok Insurance Group, Ice Dams, Insurance, Insurance Questions, Jon DeKok, MN home insurance, MN insurance, MN Insurance Information

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