http://www.heilandheil.com/blog/View Heil & Heil Insurance Agency, LLC 's Website Blogen-uspostmaster@www.heilandheil.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:bb65ff2d-5d1d-4750-b09a-41be97616931urn:uuid:e660560e-ee1a-401c-9576-ced625c2da87<img src='http://www.heilandheil.com/img/~www.heilandheil.com/3c1ddb7a-7cad-46b6-9372-aac8a896641f.jpg' align='left' />Your landlord's insurance policy will cover the building if disaster strikes, but it won't cover your belongings. That's why you need renters insurance. A policy costs around $200 a year, on average. It covers renters against losses from fire or smo...Wed, 18 Jan 2012 14:45:52 -0600<p style="background: white;">Your landlord's insurance policy will cover the building if disaster strikes, but it won't cover your belongings. That's why you need renters insurance. </p> <p style="background: white;">A policy costs around $200 a year, on average. It covers renters against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm and water damage. Policies will reimburse you the difference between your additional living expenses and normal living expenses. Plus, renters insurance helps cover legal costs if you're taken to court because someone is injured at your home. </p> <p style="background: white;">Here&rsquo;s how to determine what you need:</p> <p style="background: white;">Create a home inventory to determine the value of all of your belongings. A policy will pay to replace your possessions. If you have expensive jewelry, collectibles or art, consider scheduling them on your policy to provide more coverage. Standard policies offer only a limited amount of coverage for these items. You'll need receipts or appraisals for items to be covered.</p> <p style="background: white;">Your deductible is the amount you'll pay out of pocket before insurance pays for a loss. The higher the deductible, the lower your premium will be. So if you can afford a higher deductible, you'll save premium over the course of the year. </p> <p style="background: white;">Although losses from fires, lightning, windstorms, theft, vandalism, explosions and certain types of water damage are covered, standard policies don't cover floods or earthquakes. You can get flood insurance through the federal government's National Flood Insurance Program (NFIP). Check with your insurer about getting separate earthquake policy. Flood Insurance is valuable if you live on a ground floor or lower lever apartment, especially if you are in a designated flood zone. Your municipality can let you know what zone you are in.</p> <p style="background: white;">Liability is most important because renting sets you up for damage caused to others. Apartment dwelling increases your responsibility towards others; for example a toilet or bath tub overflows in your unit and damages another unit.&nbsp;Policies provide $100,000 and&nbsp;$300,000 worth of liability coverage&nbsp;as a minimum recommendation. If you feel you need more liability coverage, policies can go up to $500,000. After that, consider getting an umbrella policy for an additional $150 to $300 a year for $1 million worth of coverage.</p> <p style="background: white;">Many insurance companies offer a variety of discounts. For example, you could pay less if you have a security system, smoke detectors and deadbolt locks. And, you can get multi policy discounts for auto policies too.</p> <p style="background: white;">A building you rent may be properly insured, but you may be exposed. Make sure you are equally protected.<br /> <br /> <br /> </p> <p><img alt="" width="213" height="313" style="width: 103px; height: 138px;" src="/img/~www.heilandheil.com/3c1ddb7a-7cad-46b6-9372-aac8a896641f.jpg" /></p>urn:uuid:3e15f597-2822-4826-b223-6eaa43b39ebe1. Of Course I look familiar. I was here just last week cleaning your carpets, painting your shutters or delivering your new refrigerator. 2. Hey, thanks for letting me use the bathroom when I was working in your yard last week. While I was in there...Mon, 09 Jan 2012 10:55:38 -06001. Of Course I look familiar. I was here just last week cleaning your carpets, painting your shutters or delivering your new refrigerator.<br /> <br /> 2. Hey, thanks for letting me use the bathroom when I was working in your yard last week. While I was in there, I unlatched the back window to make my return a little easier.<br /> <br /> 3. I Love those flowers. That tells me you have good taste...and taste means there are nice things inside. these toys your kids leave out always make me wonder what type of gaming system they have.<br /> <br /> 4. Yes, I really do look for newspapers piled up on the driveway. And I might leave a pizza flyer in your front door to see how long it takes you to remove it.<br /> <br /> 5. If it snows while you are out of town, I like to see if there are tracks to or from your door way. Virgin drifts are a dead giveaway.<br /> <br /> 6. If decorative glass is part of your front entrance, don't let your alarm company put the key pad where I can see it. That makes it too easy.<br /> <br /> 7. Do you really think I won't look in your sock drawer? I always check the dresser drawers, bed side table and medicine cabinet.<br /> <br /> 8. I almost never go into the kids room.<br /> <br /> 9. I won't have time to break into a safe. But if it's not bolted down, it's coming with me.<br /> <br /> 10. A loud tv or radio is always a good deterrent. You can also buy a $35 device that works on a timer and simulates a flickering glow of a real television. (find it at faketv.com)<br /> <br /> ~Being aware&nbsp;from a different perspective, can secure your home and family&nbsp;in better ways.&nbsp;Staying one step ahead is the best defense!~<br /> <br /> Helpful Hints from Readers Digest 2009<br />urn:uuid:d9eb6134-bf57-48e1-8a57-3d7fa56e3dab<img src='http://www.insurancewebsitebuilder.com/img/~www.heilandheil.com/0511-1004-0916-3153_Cartoon_Family_clipart_image.jpg' align='left' />As life changes, so do your insurance needs. Sometimes your insurance company may no longer fit your needs as well and an upgrade may be in order. It's important to review your insurance as things change in your life. The best time to review is when ...Thu, 05 Jan 2012 11:11:51 -0600<h6 class="uiStreamMessage" data-ft="{&quot;type&quot;:1}"><span style="font-size: 18px;">As life changes, so do your insurance needs. Sometimes your insurance company may no longer fit your needs as well and an upgrade may be in order. It's important to review your insurance as things change in your life. The best time to review is when you buy a new home; (home insurance), have a child (life insurance), license a new driver (auto insurance), get married (wedding and scheduled jewelry insurance.) Any time that something monumental changes in your life, your insurance needs may change with it. Be sure to discuss these changes with your insurance agent. <br /> Protecting your valuable family is what life is all about.&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <img alt="" width="108" height="133" style="width: 88px; height: 89px;" src="http://www.insurancewebsitebuilder.com/img/~www.heilandheil.com/0511-1004-0916-3153_Cartoon_Family_clipart_image.jpg" /></span></h6>urn:uuid:e49b4ed5-ec33-4b6f-824b-90d372e13966Dangerous Foods The following can be toxic to pets: chocolate, raisins, grapes, macadamia nuts, garlic, onion, alcohol, caffeinated beverages, bread dough, and sugar-free candy and gum containing the artificial sweetener Xylitol. Regular Foods Des...Thu, 15 Dec 2011 12:04:02 -0600<strong><span style="text-decoration: underline;">Dangerous Foods<br /> </span><br /> The following can be toxic to pets: chocolate, raisins, grapes, macadamia nuts, garlic, onion, alcohol, caffeinated beverages, bread dough, and sugar-free candy and gum containing the artificial sweetener Xylitol.<br /> <br /> <span style="text-decoration: underline;"><strong>Regular Foods</strong><br /> </span><br /> Despite tradition, bones should never be given to pets. Even beef, ham, and other "regular" foods that are not considered toxic can cause illness in pets. If your pet is a moocher, keep a saucer of his regular treats on the table to offer when he asks. He probably won't know the difference!<br /> <br /> <span style="text-decoration: underline;"><strong>New Treats and Toys</strong><br /> <br /> </span>Even a pet-safe treat can cause stomach upset if it is new to your pet. Offer only one of these at a time (ideally, separated by a few days). If your pet becomes ill after eating a holiday treat, it will be easier to trace the source and discontinue it. Also, check new toys for sharp edges, pieces that can be chewed off, or other potential hazards.<br /> <br /> <span style="text-decoration: underline;">Plants<br /> <br /> </span>Hazardous plants include mistletoe, some evergreens (including some types of pine), and holly bushes and berries. Try to keep these plants away from pets, or at least supervise pets when dangerous plants are nearby.<br /> <br /> <span style="text-decoration: underline;"><strong>Decorations</strong><br /> </span><br /> Tinsel, tree ornaments, ribbons, string, and garlands are some items that can be dangerous if eaten by pets. Keep these items away from pets &mdash; especially when pets are unattended. Don't forget to cover any electrical cords or keep them out of reach.<br /> <br /> <br /> <span style="text-decoration: underline;"><strong>Fire and Carbon Monoxide</strong><br /> </span><br /> Monitor pets near fireplaces, wood-burning stoves, candles, and portable heaters. Also, don't forget to check smoke detectors and carbon monoxide detectors to make sure they are functioning properly. Space heaters, furnaces, and idling cars (in a garage) can increase the risk of carbon monoxide poisoning in pets and humans.<br /> <br /> <span style="text-decoration: underline;"><strong>Christmas Trees</strong><br /> </span><br /> Monitor your pets when they are around your holiday tree. Pets may eat the needles (even from artificial trees) or drink water from the base of the tree, which can be toxic (especially if there are preservatives in it). Keep electrical cords and decorative lights out of reach, too.<br /> <br /> In many cases, if your pet has eaten or drunk something toxic, warning signs will include gastrointestinal problems, such as vomiting and diarrhea. Other signs may include tiredness and lack of appetite, especially in cats that have eaten lilies. If your pet shows any of these signs, or if you think he or she has eaten something dangerous but is not showing any signs yet, please call an emercency vet right away. Treating your pet as soon as possible is essential! <br /> <br /> Holidays should be fun for everyone, including our furry friends!<br /> <br /> <br /> Information provided by Animal Medical Center of Skokie.<br /> <br /> <br /> </strong>urn:uuid:c961a646-4dad-4edd-b9f3-8770fd72b569We save all year for the holidays. We get our lists together for those special holiday gifts. We budget ourselves for some expensive spending at the end of the year. But how does our insurance fit into the holidays? When all the holiday purchases a...Mon, 05 Dec 2011 11:21:27 -0600We save all year for the holidays. We get our lists together for those special holiday gifts. We budget ourselves for some expensive spending at the end of the year. But how does our insurance fit into the holidays? <br /> <br /> When all the holiday purchases are done and all the&nbsp;gifts are unwrapped, do you think about the cost of protecting the new and perhaps expensive additions you may have acquired during the holidays? All the great new items you may have received need to be taken into consideration. They are now part of your new personal property. They may be added to your jewelry collections or perhaps you were so good, that Santa brought you a new car.&nbsp;All these beautiful new gifts can cost more to protect. That's why it's important to fit your insurance into your holiday spending.<br /> <br /> Insurance may be the most important purchase of the holidays! It may not be as fun or as glittery, but it needs to be incorporated into the holiday spending budget.<br /> <br /> When it's better to give than to receive...give yourself the peace of mind this holiday!<br /> <br /> Peace and Joy to all!&nbsp;&nbsp;urn:uuid:b67e0748-106b-4917-9364-1f46052a4a9dDuring the holidays, the process of deep frying a turkey requires a lot of preparation and precaution. The instructions provided with the cooking pot should be read carefully before attempting to deep-fry a turkey. This is critical in order to preven...Tue, 22 Nov 2011 12:33:22 -0600<p>During the holidays, the process of deep frying a turkey requires <strong>a lot of preparation and precaution.</strong> The instructions provided with the cooking pot should be read carefully before attempting to deep-fry a turkey. This is critical in order to prevent a serious fire or burn injury. Take a cautionary note from the fact that the appliance probably <strong>does not </strong>carry the seal from a testing lab such as Underwriters Laboratory.</p> <p>And no matter how hard it's raining, don't bring this cooking operation into the garage, onto the wood deck or near anything that burns! </p> <p>Here are&nbsp;more basic safety tips from the&nbsp;Fire Department and the Fire Marshal to help keep you and your family safe:<br /> <br /> <strong>1. Prepare in advance, and use proper equipment </strong></p> <ul> <li>Use a specially designed outdoor cooker/deep fryer with a perforated basket insert. The cooking pot should be 10 gallon or more capacity and stand three feet high,&nbsp;hooked up to a propane gas cylinder. The propane cylinder must be separated by a minimum of&nbsp;two feet from the fryer. Read and follow the manufacturer&rsquo;s directions and safety instructions. </li> <li>Place the fryer on a flat and level surface. </li> <li>Be aware of your clothing around the hot oil, which can spatter, and the open flame, which could ignite clothing. Roll sleeves up and tuck away loose clothing. </li> <li>Be sure you are strong enough to lower the turkey into, and lift it from, the 350-degree oil safely. </li> </ul> <p><strong>2. Keep heated items (hot oil and propane cooker) away from anything that can burn</strong></p> <ul> <li>The entire area for at least 10 feet in all directions must be fireproof. Never deep fry a turkey indoors, in a garage, on a porch, on a deck, or in any other structure attached to a building </li> <li>Keep children and pets away from the cooking area. Never leave the hot oil unattended. </li> <li>The deep-fryer unit should be positioned so wind will direct the heat away from the gas cylinder, people, and structures. </li> </ul> <p><strong>3. Watch what you heat and cook</strong></p> <ul> <li>Deep fryers must always be attended during cooking. </li> <li>Never use a frozen turkey because the ice crystals can cause it to &ldquo;explode&rdquo; when it comes in contact with hot oil. </li> <li>Oil should not be allowed to go over 350 degrees; oil can ignite at 375 degrees. Allow oil to cool completely before disposing or storing. </li> <li>Never cover the deep fryer because this could cause overheating, or boiling over of the hot oil. </li> <li>Should a fire start, clear all people from the area and call 911&nbsp; </li> </ul> <p><strong>4. Recycle that oil, check with your local township for recycling centers.</strong></p> <p><strong>5. Enjoy your turkey when you're done!<br /> <br /> &nbsp;&nbsp;&nbsp; Heil &amp; Heil Insurance&nbsp;wishes everyone a Happy Thanksgiving 2011!<br /> <br /> <h3><span style="font-size: 10px;"><em>&nbsp;&nbsp; Fire Marshal - Fire Safety At Home Official Website Vancouver, WA&nbsp;Cooking Tips for Thanksgiving Re-Print.</em></span></h3> </strong></p>urn:uuid:fdfa43c4-c592-4835-b159-33d30f88e38dLawsuits are everywhere! Personal injury claims could max out your policy limits. But if there is a death involved in an accident, the suit could well be in excess of your primary policy limits. That&rsquo;s when having an Umbrella policy can make al...Wed, 16 Nov 2011 11:02:17 -0600<div class="text_exposed_root text_exposed" id="id_4ec3ebff8d0977922370587">Lawsuits are everywhere! Personal injury claims could max out your policy limits. But if there is a death involved in an accident, the suit could well be in excess of your primary policy limits. That&rsquo;s when having an Umbrella policy can make all the difference! The question is not whether to have an Umbrella policy (Personal Excess Liability) but how much coverage to have? <br /> Questions to ask are; &ldquo;...What am I worth? What are my assets? What can be taken away if I am sued?&rdquo; Knowing what is at stake can help you determine how much extra protection you need. <br /> Households with young drivers absolutely need extra liability protection. Carrying two or five million dollars in umbrella coverage can protect the entire family in the event of an accident that results in a bodily injury or even death. Remeber, you are responsible for all memebrs of your houshold. <br /> Umbrella protection provides you the most value for the money. A $1,000,000 policy can be as little as $200 a year. Isn&rsquo;t it worth it to protect your quality of lifestyle? <br /> If you don&rsquo;t have one already, ask your agent about umbrella liability protection. <br /> If you already have an umbrella policy, perhaps it&rsquo;s time to increase your coverage. <br /> When it rains it pours! Having a great umbrella can protect you during the storm.<br /> <br /> Quality of lfestyle can be peserved by managing risk....Let us help you manage yours!</div>urn:uuid:f4e59f07-3e71-4b9f-ba5a-9ff1c515af88October is the first full month of fall and a perfect opportunity for a complete winter inspection of your home. Now is the time to check for gaps that could result in a loss over the winter months. Here are some helpful suggestions: &nbsp;Check your...Fri, 28 Oct 2011 11:04:17 -0500<p style="line-height: 15pt; background: white;">October is the first full month of fall and a perfect opportunity for a complete winter inspection of your home. Now is the time to check for gaps that could result in a loss over the winter months. Here are some helpful suggestions:</p> <p style="line-height: 15pt; background: white;">&nbsp;Check your roof:</p> <p style="line-height: 15pt; background: white;">Between the winter snow, spring rains and summer heat, shingles can buckle, crack and come loose. October is a great time to get up there and see what might need repair before the next weather patterns comes around.</p> <p style="line-height: 15pt; background: white;">&nbsp;Check Siding:</p> <p style="line-height: 15pt; background: white;">Damaging winds and hail could have left your siding damaged, warped or chipped. Most types of siding require a coating of sealant to ensure they are water repellant.</p> <p style="line-height: 15pt; background: white;">&nbsp;Reinforce your Windows:</p> <p style="line-height: 15pt; background: white;">Make sure that windows close properly. If there are storm windows available, replace the screens with them. Make sure that there is a secure fit in order to prevent loss of heat during the winter months.</p> <p style="line-height: 15pt; background: white;">&nbsp;Check Smoke Detectors:</p> <p style="line-height: 15pt; background: white;">Normally, during the change to Daylight Savings Time, we are reminded to check the batteries in our smoke detectors. Any time during the month is a good time to check.</p> <p style="line-height: 15pt; background: white;">&nbsp;Winterize your plumbing:</p> <p style="line-height: 15pt; background: white;">Make sure that pipes are properly insulated. If you plan on leaving for a warmer climate during the winter, make sure that the water is turned off to avoid frozen pipes.</p> <p style="line-height: 15pt; background: white;">&nbsp;</p> <p style="line-height: 15pt; background: white;">A good offense is your best defense!&nbsp;</p> <p style="line-height: 15pt; background: white;">&nbsp;Quality of lifestyle can be preserved by managing risk. Let us help you manage yours!</p> <p style="line-height: 15pt; background: white;">&nbsp;&nbsp;Heil &amp; Heil Insurance LLC<b></b></p>urn:uuid:191b9d1b-f341-4469-b3c3-30a33bb577aaThe barrage of recent storms in the Midwest has left all of us soaked and limp. No longer do we experience periods of rain, but we are fervently hit with downpours of historic proportions. This is not for the faint of heart. Clean up is exhausting. D...Mon, 25 Jul 2011 15:41:26 -0500<b>The barrage of recent storms in the Midwest has left all of us soaked and limp. No longer do we experience periods of rain, but we are fervently hit with downpours of historic proportions. This is not for the faint of heart. Clean up is exhausting. Downed trees and power outages may make matters worse. But to add insult to injury, waiting for assistance can be a test of will.</b><b><br /> <br /> <b>Clean up crews and restoration services are stretched to the limit, hauling in reservists from all available areas. But nevertheless, there still may not be enough manpower to go around. So patience is&nbsp;what you may need.&nbsp; </b><br /> <br /> <b>In the interim, drying out is imperative so that mold and mildew&nbsp;does not&nbsp;start to grow. Fans, dehumidifiers and air conditioning are very important. Removing anything that can be lifted off the ground and placed outdoors to dry is a good start.&nbsp; If you have sufficient damage to make a homeowner's claim, make sure to take pictures of all areas of damage prior to throwing out items. This way adjusters will have an accounting of exactly what has been damaged.</b><br /> <br /> <b>Time may seem to stand still while you are in&nbsp;the midst of all this mess, but services know you are waiting for them and will get there just as soon as they can. You are very important to them. As you are to us!!!</b><br /> <br /> <b>Mother Nature has a plan.....we just haven't figured out what it is yet!&nbsp;</b><br /> <br /> </b>urn:uuid:ab96fc04-74db-40f1-8df2-ddaa4b9b9234http://www.nytimes.com/cwire/2011/07/22/22climatewire-flood-prone-land-likely-to-increase-by-45-a-19117.htmlFri, 22 Jul 2011 11:02:56 -0500<a href="http://www.nytimes.com/cwire/2011/07/22/22climatewire-flood-prone-land-likely-to-increase-by-45-a-19117.html">http://www.nytimes.com/cwire/2011/07/22/22climatewire-flood-prone-land-likely-to-increase-by-45-a-19117.html</a>urn:uuid:551e2b9e-040d-408c-a317-0e02f194b6e3&nbsp; Few business owners like to hear this term.&nbsp; They know and trust their employees, and they have controls in place so a loss could never happen to them.&nbsp; But it can, and it does. &nbsp; While most people think of loss of money, an emp...Thu, 07 Jul 2011 11:00:09 -0500<p>&nbsp;</p> <p>Few business owners like to hear this term.&nbsp; They know and trust their employees, and they have controls in place so a loss could never happen to them.&nbsp; But it can, and it does.</p> <p>&nbsp;</p> <p>While most people think of loss of money, an employee dishonesty loss could also apply to securities and other property, including business contents and inventory.</p> <p>&nbsp;</p> <p>Did you know that this type of loss can occur over a period of time &ndash; weeks, months or even years?&nbsp; Employers find this hard to believe.&nbsp; They are sure that they would notice any loss within a very short period of time.&nbsp; However, while any one day may just be a few dollars or items, over a long period of time the loss can balloon well into the thousands and many times these acts are not discovered for months or years. </p> <p>&nbsp;</p> <p>Controls are very important in deterring this type of loss.&nbsp; These could include having both financial and inventory audits done regularly (annual, semi-annually or quarterly); having someone reconcile bank accounts who is not able to sign checks; having countersignatures required on all checks; having securities subject to joint control of two or more responsible employees; and requiring officers and employees to take annual vacations of at least five consecutive business days.</p> <p>&nbsp;</p> <p>Benefit packages to employees can also be a deterrent from fraudulent acts. &nbsp;Do you provide health &amp; dental insurance?&nbsp; Do you provide paid vacations?&nbsp; Do you provide other benefits or perks that will let your employees know they are appreciated and valued?&nbsp; All of these things can help prevent a loss.</p> <p>&nbsp;</p> <p>However, even with the best controls in place and the most trusted people employed, an employee may not be stopped from engaging in a fraudulent act.&nbsp; Are you protected?</p> <p>&nbsp;</p> <p>Employee Dishonesty coverage can be written in two ways &ndash; Blanket coverage can apply to all employees; Scheduled coverage can be written for specific named employees, or specific named positions within your company.&nbsp; </p> <p>&nbsp;</p> <p>&nbsp;</p> <p>Many times this coverage can be easily added to a Business Owner&rsquo;s or Commercial Package Policy.&nbsp; If not, a separate Fidelity Bond can be written to provide the coverage you need.&nbsp; Review your situation and practices.&nbsp; </p> <p>&nbsp;</p> <p>Do not hesitate to call on us if we can be of any assistance.</p> <p>&nbsp;</p> <p>Heil &amp; Heil Insurance Agency LLC<br /> <br /> www.heilandheil.com</p> <p style="line-height: 125%; margin: 3pt 0in; background: white;"><a href="http://www.facebook.com/heilandheil5215">www.facebook.com/heilandheil5215</a></p>urn:uuid:00e53276-f378-4dd3-9205-8775312ed18ahttp://www.healthypet.com/PetCare/PetsMatter/Default.aspx?new_key=a8bf22e3-6cb9-49f6-a33c-243ac2374997&amp;type=HPWed, 06 Jul 2011 09:10:41 -0500<a href="http://www.healthypet.com/PetCare/PetsMatter/Default.aspx?new_key=a8bf22e3-6cb9-49f6-a33c-243ac2374997&amp;type=HP" target="_blank">http://www.healthypet.com/PetCare/PetsMatter/Default.aspx?new_key=a8bf22e3-6cb9-49f6-a33c-243ac2374997&amp;type=HP</a>urn:uuid:1d10c673-7af9-45cb-b316-4d1a215cc30bWedding season is upon us! What a happy time! What a stressful time! Planning, organizing, decision making and of course the expense of it all.&nbsp; Travelers Insurance&nbsp;recognizes&nbsp;what goes into wedding planning and offer Wedding Insuranc...Thu, 30 Jun 2011 11:16:09 -0500Wedding season is upon us! What a happy time! What a stressful time! Planning, organizing, decision making and of course the expense of it all.&nbsp;<br /> <br /> Travelers Insurance&nbsp;recognizes&nbsp;what goes into wedding planning and offer Wedding Insurance to protect such a joyous event.<br /> <br /> This insurance can take some of the worry out of the "what ifs" in planning a wedding:<br /> <br /> What if the caterer doesn't show up?<br /> <br /> What if the dress gets ruined?<br /> <br /> What if something happens&nbsp;to the hall?<br /> <br /> There are many reasons why you could need Wedding Insurance. No one wants to be worried about the "what Ifs", so protect yourself.&nbsp;&nbsp;&nbsp;&nbsp; <br /> <br /> Call us for a free quotation!&nbsp; 847-866-7400<br /> <br /> <br /> <a href="/img/~www.heilandheil.com/WeddingConsumerBrochure-PL13296-0508.pdf">WeddingConsumerBrochure-PL13296-0508.pdf</a>urn:uuid:5fcdfd29-7b4c-486e-ba1b-a25e56c3c333 &nbsp; &nbsp; With the Tornadoes in the Southern States and Flooding in the Midwest&nbsp;some questions to be asking&nbsp;yourself are; &nbsp;&ldquo;How would I handle such a disaster? Do I have a plan in place?&rdquo; We should all focus on bei...Fri, 29 Apr 2011 12:57:56 -0500<p><b></b></p> <p>&nbsp;</p> <b> <div> <p>&nbsp;</p> <p>With the Tornadoes in the Southern States and Flooding in the Midwest&nbsp;some questions to be asking&nbsp;yourself are;</p> <p>&nbsp;&ldquo;How would I handle such a disaster? Do I have a plan in place?&rdquo;</p> <br /> <br /> <p>We should all focus on being prepared for losses both natural and man made.</p> <p>Here are some recommendations:</p> <ul> <li>Know where to take shelter if an immediate need occurs. Have a secure box of important documents (such as copies of your driver's license, credit card numbers,&nbsp;important phone numbers, extra checks, extra cash)&nbsp;stored closely within reach in case you need to grab and run. These items will come in handy later.&nbsp;</li> </ul> <br /> <br /> <ul> <li>Standard insurance policies do not cover <strong>Flood</strong> <em>(an overflow of a natural body of water),</em> <strong>Earthquake</strong> or <strong>Extended Mold Remediation</strong>. These items need to be purchased separately. Check with the village or municipality you live in to verify flood zones. Flood zones can change with heavy weather patterns. </li> </ul> <br /> <br /> <ul> <li>Make sure you keep detailed photos of your home and contents. These should be kept off site at another easily accessible location. In the event of a loss, it will make it easier to document your claim. </li> </ul> <br /> <br /> <ul> <li>Consider stocking up on supplies such as water, batteries, flash lights, radios, non-perishable canned goods.</li> </ul> <br /> <br /> <p>We feel it is important that you consider having a plan in place. All of life is the management of risk. Let us help you manage yours.</p> <br /> <br /> <br /> <br /> <p>Heil &amp; Heil Insurance Agency, LLC.</p> <p><strong><em>~One insurance agency for all your insurance needs</em></strong>~<strong>&nbsp;</strong></p> <p>&nbsp;</p> </div> </b>urn:uuid:c22d0d5a-1d51-4a4b-ac3a-6fc832de8732 Two Types of &ldquo;Water Damage&rdquo;A standardhome insurance policy will cover losses caused by water that accumulates in the home resulting from the accidental discharge of a system of appliance, such as a broken hose or valve. That same policy ...Tue, 01 Mar 2011 10:41:23 -0600<div class="mbl notesBlogText clearfix"> <div><strong>Two Types of &ldquo;Water Damage&rdquo;</strong>A standardhome insurance policy will cover losses caused by water that accumulates in the home resulting from the accidental discharge of a system of appliance, such as a broken hose or valve. That same policy will not cover losses caused by water that accumulates as a result of the overflow of a body of water or runoff of surface water. <p><strong>Common Causes of Flood</strong> often result from torrential rainstorms and hurricanes. Floods also commonly result from snow melt. Floods also result as a side effect of development- such as road construction or a new housing community- that alter storm water drainage patterns <strong>Who is at Risk? </strong><strong>Flood insurance</strong> is not just for people living or working on the coast. According to the National Flood Insurance Program (NFIP), 31 percent of the properties damaged by floods are located outside of a special flood hazard area as designated by FEMA. The NFIP reports that floods happen in all 50 states and that floods are the second most common cause of property damage behind fire. <br /> Property owners are often mislead into believing that <strong>flood insurance</strong> is only available for properties that are located in a special flood hazard area or &ldquo;flood zone.&rdquo; Unfortunately, this myth has caused many property owners to suffer from uninsured flood losses that could have been easily covered. The only requirement is that the property is located in a &ldquo;participating community.&rdquo; This could be a township, municipality, city or county that has agreed to participate in the NFIP. <br /> <br /> <strong>Preferred Risk Policy (PRP) </strong>The NFIP offers the PRP for homes and businesses that are not located in a special flood hazard area and do not have a history of flood claims. The PRP allows eligible buyers the opportunity to purchase <strong>flood insurance</strong> at a pre-determined rate. PRP rates are intended to remind property owners that regardless of where the property is located the aforementioned data is proof that it&rsquo;s still a good idea to purchase <strong>flood insurance</strong>.&nbsp;&nbsp;&nbsp;&nbsp; <br /> <br /> <strong>A Few Unique Features of Flood Insurance</strong>It is important to remember that a <strong>flood insurance</strong> policy is a separate policy from your home, condo, or business insurance. This means that <strong>flood insurance</strong> is subject to its own terms and conditions. &lt;/<strong>Following are a few of the unique features&nbsp; <br /> </strong><span style="text-decoration: underline;">Waiting Period&nbsp; </span>There is a 30-day waiting period from the date you first purchase <strong>flood insurance</strong> to the date that policy takes effect. This is designed to prevent the purchase of coverage for losses in progress. The 30-day waiting period also applies to changes made to an in-force flood policy. For example, if you currently carry $200,000 in coverage for your home and decide to raise that amount to $250,000, you must wait 30 days before the change will take effect.&nbsp; The waiting period <em>does not</em> apply to a renewal policy. There are two exceptions to the 30-day waiting period: the first is if the policy is required in conjunction with the closing of a loan. The second is for property owners that previously were not required to purchase <strong>flood insurance</strong> but are now being told they must as a result of a new map from FEMA indicating that property is now located in a special flood hazard area.&nbsp; <br /> <br /> <span style="text-decoration: underline;">Two Deductibles?</span>Let&rsquo;s say a flood causes $50,000 in damage to your home and $10,000 to contents. Your policy includes a $1,000 deductible. That deductible will apply once towards the recovery of your home and once towards the recovery of your contents. This means it&rsquo;s possible you will pay the deductible twice for the same loss: once for the dwelling and once again for contents.&nbsp;&nbsp; <br /> <br /> Note that lenders who require owners to purchase <strong>flood insurance</strong> typically only require insurance on the dwelling or building and do not require <strong>flood insurance</strong> on contents. Owners should carefully consider the cost to repair or replace contents before choosing to forgo insuring them.&nbsp;&nbsp;&nbsp; <br /> <span style="text-decoration: underline;"><br /> Other Structures</span>An important feature of your home insurance is the inclusion of coverage for certain types of other structures such as a detached garage or pool house. The only other structure that the <strong>flood insurance</strong> policy will extend coverage to is a detached garage. Other structures may be eligible for coverage under a separate flood policy <br /> <br /> &nbsp;<span style="text-decoration: underline;">No Additional Living Expenses</span>An important feature of your home insurance is the ability to collect money from the insurance company to pay living expenses while your home undergoes repair. These expenses may include hotel, food and other expenses. Unfortunately, the <strong>flood insurance</strong> policy offers no coverage for additional living expenses- such costs must be paid out-of-pocket <br /> <br /> &nbsp;These examples are intended to illustrate some of the important differences in <strong>flood insurance</strong> and your typical home, condo or business policy. There are several other factors that differentiate a <strong>flood insurance</strong> policy from the type of insurance you may already have. This is why a conversation with your <br /> <strong>Trusted Choice&reg; insurance&nbsp;professional</strong> is the important first step in learning how to protect your biggest asset from flood damage. Call today<br /> &nbsp;Source: National Flood Insurance Program,&nbsp;&nbsp; <a href="http://www.floodsmart.gov" onmousedown="UntrustedLink.bootstrap($(this), &quot;0330a&quot;, event);" target="_blank" rel="nofollow">www.floodsmart.gov</a></p> </div> </div>urn:uuid:1b989071-7b77-4776-9af0-e392ff62f514Millions of Americans will be without health insurance this year for a period of nine months or less.&nbsp; If you are one of these people, you know a brief interruption in health insurance can have a long-lasting impact should an accidental injury o...Wed, 09 Feb 2011 10:17:33 -0600<p>Millions of Americans will be without health insurance this year for a period of nine months or less.&nbsp;</p> <p>If you are one of these people, you know a brief interruption in health insurance can have a long-lasting impact should an accidental injury or unexpected illness strike.</p> <p><strong>IS SHORT TERM MEDICAL FOR YOU?</strong></p> <p><strong>YES&hellip;if you are in one of these situations:</strong></p> <p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Recent college graduate</p> <ul> <li>New employee waiting for employer coverage to begin</li> <li>Recently unemployed worker who finds COBRA too expensive</li> <li>Dependent no longer eligible for coverage under parents&rsquo; plan</li> <li>Temporary or seasonal employee</li> <li>Laid off employee</li> </ul> <p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</p> <p><strong>Peace of Mind</strong></p> <p><strong>&nbsp;</strong>Get peace of mind with a Short Term Medical plan from Time Insurance Company &ndash; temporary health insurance for people who are between permanent health plans.&nbsp;</p> <br /> <p>A Short Term Medical plan is affordable and provides coverage for medical expenses.&nbsp; Short Term Medical can be purchased for as few as 30 days or for as long as 365 days and provides:</p> <br /> <br /> <ul> <li>up to $2 million coverage per benefit period </li> <li>Choice of deductible:&nbsp; $250, $500, $1,000, $2,500 and $5,000 </li> <li>100%, 80/20 or 50/50 rate of payment options </li> <li>Convenient payment terms:&nbsp; VISA, MasterCard or personal check </li> <li>&nbsp;Up to one year extension of benefits for total disability </li> <li>Extension of Benefits Plus for non-total disability </li> <li>Freedom to choose doctors &amp; hospitals </li> </ul> <br /> <br /> <p><strong>Monthly Payment Plan</strong></p> <p>Short Term Medical offers a &ldquo;pay as you go&rdquo; monthly payment option.&nbsp; This option allows you to take up to 365 days of coverage.&nbsp; If you should obtain more permanent coverage in the meantime, simply stop making payments on your Short Term Medical policy.</p> <br /> <p><strong>College Graduates</strong></p> <p>College graduates can especially benefit from a Short Term Medical plan.&nbsp; In fact, Short Term Medical could be the answer if you son or daughter leaves college for any reason.&nbsp; If it looks like your child&rsquo;s job search may be a long one, you may want to consider a permanent individual medical plan.&nbsp; But if your child is healthy and job prospects look good, a Short Term Medical plan from Time Insurance Company can provide an inexpensive solution, bridging the gap until permanent insurance coverage is in place.</p> <br /> <p><strong>Premium Refunds</strong></p> <br /> <p>If you are not 100 percent satisfied with the plan, you may return the contract and identification cards within 10 days of delivery for a premium refund.&nbsp; No questions asked!&nbsp; The one time application fee is non-refundable.</p> <br /> <p><strong>Apply Online</strong></p> <br /> <p>Rates and applications are available online under &ldquo;Get A Quote&rdquo; at&nbsp; our website:&nbsp;</p> <br /> <br /> <p><a href="http://www.heilandheil.com...one/" onmousedown="UntrustedLink.bootstrap($(this), &quot;4f27d&quot;, event);" target="_blank" rel="nofollow">www.heilandheil.com...one</a> insurance agency for all your insurance needs! 847-866-7400</p>urn:uuid:31c54b14-0bf2-4981-946d-afa885dacdc4 The Midwest is being threatened by bad weather on the horizon. Being proactive now, can spare you headaches later. Be sure tire pressure is good on all vehicles. Make sure you have a full tank of gas and keep extra blankets, flash light, batteries, ...Mon, 31 Jan 2011 14:37:47 -0600<div> <p>The Midwest is being threatened by bad weather on the horizon. Being proactive now, can spare you headaches later. Be sure tire pressure is good on all vehicles. Make sure you have a full tank of gas and keep extra blankets, flash light, batteries, water bottle and non-perishable food in the trunk of your car in case you are stranded somewhere.</p> <p>Be sure your insurance cards are current and in the glove box. Keep a cell phone charger in the car and make sure someone knows where you are at all times.&nbsp;Make sure you have snow brushes and ice scrapers handy. Try to keep a bag of salt in the trunk of your car. It will assist on slippery roads and weigh down the back of the car for more traction.<br /> Most importantly, if you&nbsp;don't need to be out driving in bad weather, stay home!&nbsp;</p> <p>The best defense&nbsp;is a good offense!<br /> <br /> Stay Safe!!!</p> </div>urn:uuid:4f8c5bc1-b25d-41e9-b09a-1828b013d664 &nbsp;With the temperature dropping to sub zero levels, it's important to remember some key strategies to prevent serious damage&nbsp;to your home and auto. Always leave a little trickle of water in basement faucets, where cold metal could potentia...Thu, 20 Jan 2011 10:09:04 -0600<div class="mbl notesBlogText clearfix"> <div> <p>&nbsp;With the temperature dropping to sub zero levels, it's important to remember some key strategies to prevent serious damage&nbsp;to your home and auto. Always leave a little trickle of water in basement faucets, where cold metal could potentially freeze. The smallest amount of running water can prevent frozen pipes.Keep cabinets doors under sinks open so that some of the home's warmth can also get to the pipes.&nbsp;&nbsp;</p> <p>&nbsp;Make sure that your car's gas tank is at least three quarters full in frigid weather. That helps the gas line from freezing. Also make sure tire pressure is good. That can help with sliding.</p> <p>Stay at least a car and a half's length behind other cars in bad weather. If you suddenly need to stop, you may prevent sliding into the car in front of you.</p> <br /> <br /> <p>Some helpful tips from your local agent. Always looking out for you!</p> </div> </div>urn:uuid:66570706-0368-4fa5-a551-a587956935f4DecisionDriving.pdfTue, 11 Jan 2011 15:23:23 -0600<a href="/img/~www.heilandheil.com/DecisionDriving.pdf">DecisionDriving.pdf</a>urn:uuid:aa3aca1e-3977-4c02-9765-b5cab445e5b3Heil &amp; Heil would like to wish everyone a very Happy Holiday Season!!!!Wed, 22 Dec 2010 16:07:19 -0600<span style="font-size: 32px; font-family: garamond; background-color: #e5b9b7;">Heil &amp; Heil would like to wish everyone a very Happy Holiday Season!!!!</span>urn:uuid:d01b1bf6-6d41-4cde-835d-e957ce1c935dCooking fires are the #1 cause of home* fires and home fire injuries. Two-thirds (66%) of home cooking fire started with the ignition of food or other cooking materials. &nbsp; Facts &amp; figures Cooking equipment fires are the leading cause of...Tue, 23 Nov 2010 10:10:33 -0600<p>Cooking fires are the #1 cause of home* fires and home fire injuries. Two-thirds (66%) of home cooking fire started with the ignition of food or other cooking materials.</p> <p>&nbsp; Facts &amp; figures</p> <ul> <li>Cooking equipment fires are the leading cause of home structure fires and associated civilian injuries.&nbsp;These fires accounted for 40% of all reported home structure fires and 36% of home civilian injuries. </li> <li>Cooking equipment was involved in two of every five (41%) reported home fires. </li> <li>Unattended cooking was by far the leading contributing factor in these fires.&nbsp; </li> <li>Clothing was the item first ignited in less than 1% of these fires, but these incidents accounted 15% of the cooking fire deaths. </li> <li>Ranges accounted for the largest share (59%) of home cooking fire incidents. Ovens accounted for 16%. </li> <li>Three of every five (59%) reported non-fatal home cooking fire injuries occurred when the victims tried to fight the fire themselves. </li> <li>Frying poses the greatest risk of fire. </li> <li>Thanksgiving is the peak day for home cooking fires. </li> </ul> <p>Source:&nbsp;NFPA Fire Analysis and Research Division</p>urn:uuid:9ff60f45-448a-4914-bcc7-690502bd41e8<img src='http://www.heilandheil.com/img/~www.heilandheil.com/Food%20Drive.jpg' align='left' />Mon, 15 Nov 2010 14:16:20 -0600<img alt="" style="width: 632px; height: 601px;" src="/img/~www.heilandheil.com/Food%20Drive.jpg" />urn:uuid:63502a44-220b-458b-b65d-25e7401dbf8dReminder: Daylight saving time ends Sunday. When you change your clocks Saturday night, it's also a good time to change the batteries in your carbon monoxide and smoke detectors. According to the National Fire Protection Association, almost two-third...Fri, 05 Nov 2010 13:55:56 -0500Reminder: Daylight saving time ends Sunday. When you change your clocks Saturday night, it's also a good time to change the batteries in your carbon monoxide and smoke detectors. According to the National Fire Protection Association, almost two-thirds of reported home fire deaths resulted from fires in homes with no smoke alarms or no working smoke alarms. Home safety features save lives and could save you money.urn:uuid:f366fb6a-ef0d-4bcd-b25b-477ea863115c<img src='http://www.travelers.com/images/homeMaintGuide.jpg' align='left' />Home Maintenance Guide Seasonal tips for protecting your home when you're there and when you're not. Your home. It's one of your most important investments. By keeping it properly maintained, you can help reduce the risk of a loss and help ensure th...Tue, 05 Oct 2010 10:19:32 -0500<h2>Home Maintenance Guide</h2> <img width="225" height="85" class="img-float-left" title="Home Maintenance Guide" style="border: 0px solid;" alt="Home Maintenance Guide" src="http://www.travelers.com/images/homeMaintGuide.jpg" /> <h3>Seasonal tips for protecting your home when you're there and when you're not.</h3> <p id="intro-paragraph">Your home. It's one of your most important investments. By keeping it properly maintained, you can help reduce the risk of a loss and help ensure the safety and well-being of your friends and family.</p> <p>This guide provides seasonal tips for all areas of your home, including:</p> <table width="300" border="0"> <tbody> <tr> <td> <ul> <li>Exterior </li> <li>Interior </li> </ul> </td> <td> <ul> <li>Electrical </li> <li>Pool </li> </ul> </td> <td> <ul> <li>Patio </li> <li>Driveway </li> </ul> </td> </tr> </tbody> </table> <br /> <p sizset="51" sizcache="2">We've also included a <a href="http://www.travelers.com/personal-insurance/home-insurance/home-maintenance-guide.aspx#vacation" cmImpressionSent="1">Vacation</a> Check list and a <a href="http://www.travelers.com/personal-insurance/home-insurance/home-maintenance-guide.aspx#pool" cmImpressionSent="1">Pool Safety and Maintenance</a> Check list to help you protect your home while you relax and enjoy life. Please take a moment to review and familiarize yourself with these important inspection and safety tips.</p> <ul sizset="53" sizcache="2"> <li sizset="53" sizcache="2"><a href="http://www.travelers.com/personal-insurance/home-insurance/home-maintenance-guide.aspx#winter" cmImpressionSent="1">Winter Maintenance</a> </li> <li sizset="54" sizcache="2"><a href="http://www.travelers.com/personal-insurance/home-insurance/home-maintenance-guide.aspx#spring" cmImpressionSent="1">Spring Maintenance</a> </li> <li sizset="55" sizcache="2"><a href="http://www.travelers.com/personal-insurance/home-insurance/home-maintenance-guide.aspx#summer" cmImpressionSent="1">Summer Maintenance</a> </li> <li sizset="56" sizcache="2"><a href="http://www.travelers.com/personal-insurance/home-insurance/home-maintenance-guide.aspx#fall" cmImpressionSent="1">Fall Maintenance</a> </li> <li sizset="57" sizcache="2"><a href="http://www.travelers.com/personal-insurance/home-insurance/home-maintenance-guide.aspx#vacation" cmImpressionSent="1">Vacation Checklist</a> </li> <li sizset="58" sizcache="2"><a href="http://www.travelers.com/personal-insurance/home-insurance/home-maintenance-guide.aspx#pool" cmImpressionSent="1">Swimming Pool Safety and Maintenance</a> </li> </ul> <a id="winter" name="winter"></a> <h3>Winter Maintenance</h3> <img width="225" height="144" class="img-float-left" title="Winter Maintenance" style="border: 0px solid;" alt="Winter Maintenance" src="http://www.travelers.com/images/homeMaintGuideWinter.jpg" /> <h4>Keep the chill out and safely enjoy the season.</h4> <ul class="clear-left"> <li>Check your outlets and all electrical holiday decorations for potential fire hazards such as frayed wires or loose connections. Do not overload the outlets, extension cords or surge protectors. </li> <li>Check and clean your heating system to make sure it is in good working condition for the winter months. This is generally a job best performed by a professional. </li> <li>Keep adequate fuel reserves on hand because fuel carriers might not be able to refuel for several days during severe weather. </li> <li>Close off and lower the temperature in rooms that are not in use. Make sure there is sufficient heat to prevent the freezing of water pipes. </li> <li>Insulate pipes that pass through unheated areas. Your home's crawlspace and attic are two such areas. </li> <li>Clean or replace your furnace filter before the heating season begins. </li> <li>Clean the clothes dryer exhaust duct and space under the dryer. This prevents lint from accumulating and reduces the risk of fire. </li> <li>Service snow removal equipment, and keep ice melting compound on hand to melt ice on walkways. </li> <li>Set the heat in your home no lower than 55 degrees. </li> <li>Remove screens from windows, and install storm windows. </li> <li>Protect your roof against heavy snow and ice loads. Keep gutters clean and roof drains open. </li> <li>Inspect washing machine hoses periodically, and replace hoses that show signs of wear or leakage. </li> </ul> All Brought to you by Travelers Insurance!<br />urn:uuid:2ef49d2a-fe1d-4f92-9d5d-5106c8a1fc47Now that school is back in session and some&nbsp;young men and&nbsp;women&nbsp;are making their way on their own to colleges everywhere, it is advisable to review your insurance needs. Homeowner's policy will cover items away at school however, if yo...Tue, 31 Aug 2010 15:53:36 -0500Now that school is back in session and some&nbsp;young men and&nbsp;women&nbsp;are making their way on their own to colleges everywhere, it is advisable to review your insurance needs. Homeowner's policy will cover items away at school however, if you carry a high deductible it may not pay if there's a claim.<br /> <br /> A Renter's policy will protect not only your child's possessions such as a computer, bike, or other electronics he or she might take with them; but it can carry a much lower deductible. It also provides additional liability protection in case they are responsible for any damage to property.<br /> <br /> The cost for a separate renter's policy could be as low as $125 a year. Certainly worth piece of mind that things are protected.<br /> <br /> Contact an agent to discuss this valuable protection for your child while they are away at school. Less worry means more time to focus on learning. And what better to learn, than protecting your assets before a loss occurs.<br /> <br />urn:uuid:989d2559-6179-44d8-a7e7-95b17dcf8ca6Become a fan of Heil &amp; Heil Insurance on Facebook! Get up to the minute insurance news and information from the trusted agents at Heil and Heil posted directly to your Facebook Page. Tell your friends so they can become fans too! For the most co...Tue, 24 Aug 2010 12:03:29 -0500Become a fan of Heil &amp; Heil Insurance on Facebook! Get up to the minute insurance news and information from the trusted agents at Heil and Heil posted directly to your Facebook Page. Tell your friends so they can become fans too!<br /> <br /> For the most comrehensive view into insurance and news you can use, follow us!!!!<br /> <br /> <span style="font-size: 24px;">www.heilandheil.com<br /> </span><br />urn:uuid:1988fa6e-94f8-4423-9f27-6ee46862af32Dog bite claims cost the insurance industry $412 million in 2009, an increase of 6.4 percent from 2008. Dog bites account for more than one-third of all homeowners insurance liability claims paid out in 2009, says the Insurance Information Institute ...Wed, 18 Aug 2010 12:45:04 -0500<p>Dog bite claims cost the insurance industry $412 million in 2009, an increase of 6.4 percent from 2008.</p> <p>Dog bites account for more than one-third of all homeowners insurance liability claims paid out in 2009, says the Insurance Information Institute (I.I.I.).</p> <p>An analysis of homeowners insurance data by the I.I.I. found that the average cost of dog bite claims was $24,840 in 2009, up slightly from $24,461 in 2008.</p> <p>Over the six-year period since 2003, the cost of these claims has risen nearly 30 percent. Additionally, the number of claims increased by 4.8 percent to 16,586 in 2009 from 15,823 in 2008.</p> <p>"The rise in dog bite claims over the last seven years (2003-2009) can be attributed to increased medical costs as well as the size of settlements, judgments and jury awards given to plaintiffs, which have risen well above the rate of inflation in recent years," said Loretta Worters, vice president at the I.I.I.</p> <p>With more than 50 percent of bites occurring on the dog owner's property, the issue is a major source of concern for insurers.</p> <p>More than 4.7 million people in the United States are bitten by dogs annually, and nearly 900,000 of those, half of them children, require medical care, according to the Centers for Disease Control and Prevention (CDC). Of those injured, 386,000 require treatment in an emergency department and about 16 die.</p> <p>The rate of dog bite related injuries is highest for children aged five to nine years old; the rate decreases thereafter. Almost two-thirds of these injuries among children ages four years and younger are to the head or neck region. Injury rates in children are significantly higher for boys than for girls.</p> <p><strong>Dog Owner Liability</strong></p> <p>There are three kinds of law that impose liability on owners:</p> <p>1. Dog-bite statute: The dog owner is automatically liable for any injury or property damage the dog causes, even without provocation.</p> <p>2. "One-bite" rule: In some states, the owner is not held liable for the first bite the dog inflicts. Once an animal has demonstrated vicious behavior, such as biting or otherwise displaying a "vicious propensity," the owner can be held liable. Some states have moved away from the one-bite rule and hold owners responsible for any injury, regardless of whether the animal has previously bitten someone.</p> <p>3. Negligence laws: The dog owner is liable if the injury occurred because he or she was unreasonably careless (negligent) in controlling the dog.</p> <p>In most states, dog owners are not liable for losses incurred by trespassers who are injured by a dog. A dog owner who is legally responsible for an injury to a person or property may be responsible for reimbursing the injured person for medical bills, lost wages, pain and suffering and property damage.</p> <p>Source: I.I.I.</p> <br /> <br /> Read more: <a href="http://www.insurancejournal.com/news/national/2010/08/18/112569.htm#ixzz0wyrCvhxi" style="color: #003399;">http://www.insurancejournal.com/news/national/2010/08/18/112569.htm#ixzz0wyrCvhxi</a><br />urn:uuid:89f610ad-27cc-4442-8775-c0bd4a558157How do you view your valuables? Are they just accessories or is there a true value to them? If the answer is the latter, then you should protect your investment by itemizing them on your homeowner's insurance. Whether it's jewelry, furs, art, silver...Mon, 09 Aug 2010 15:22:36 -0500How do you view your valuables? Are they just accessories or is there a true value to them? If the answer is the latter, then you should protect your investment by itemizing them on your homeowner's insurance. <br /> Whether it's jewelry, furs, art, silver or some form of collectibles, itemizing them and giving them each a value helps you get the amount they are worth in the event of a claim. And scheduling them means that there is no deductible applied to them.<br /> This is of significant importance if you have very expensive pieces of jewelry, fine arts, antiques or the like. It is recommended to get appraisals on large expensive items, but even on the smaller ones can be helpful. Remember if something gets lost or stolen, documentation is your best asset when speaking with an adjuster.<br /> All policies provide a minimal amount of coverage for jewelry, furs and silverware. But in the event of a loss, you will only be reimbursed for the limit the policy provides, less your policy deductible. So if your deductible is $1000 and your policy limit is $5000, the most you will get for any one or multiple pieces is $4000. So if something was more valuable and it wasn't scheduled, the most you would get is the policy limit. <br /> The recommendation is to take an inventory of your valuables and talk it over with your agent. Make sure that if you can't afford to lose it, it's itemized!<br /> <br /> More helpful information from a name you can trust...Heil &amp; Heil Insurance. The best offense is a good defense! Let us help you protect YOU! <a href="http://www.heilandheil.com/" onmousedown="UntrustedLink.bootstrap($(this), &quot;08757&quot;, event);" target="_blank" rel="nofollow">www.heilandheil.com</a><br />urn:uuid:c8e6b680-03ac-43a8-b62c-dd811140fb65It is important to clarify that every homeowner's policy&nbsp;needs to&nbsp;have coverage for "Back-up of sewers and drains". Even if you don't have a basement! If your policy does not have that coverage, GET IT! Most policies do not automatically co...Thu, 29 Jul 2010 14:50:16 -0500It is important to clarify that <span style="text-decoration: underline;">every</span> homeowner's policy&nbsp;needs to&nbsp;have coverage for "Back-up of sewers and drains". Even if you don't have a basement! If your policy does not have that coverage, GET IT! Most policies do not automatically come with it and unless you ask for it or have a great agent to suggest it, you may fall short in the event of a loss.<br /> <br /> That being said, ask yourself the question of "how much coverage is enough coverage?"&nbsp;<br /> <br /> The answer is determined by how much damage could be caused to your home and personal&nbsp;belongings such as; Furnace, Washer, Dryer Furniture, Electronics, Carpeting, Walls etc.,&nbsp;if the sewers&nbsp;were to back up from too much rain or the sump-pump&nbsp;failed? You need to check your homeowner's policy to decide if what you currently have as coverage is really enough?<br /> <br /> If you currently carry $5000 in water back-up, it may be wise to increase it to $10,000. If you carry $10,000, perhaps an increase to $15,000 or $20,000 might be in order?&nbsp;Remember, your reimbursement for a claim is subject to your policy deductible too.<br /> <br /> With all the rain we have had in the Midwest alone, more coverage is never a bad decision!<br /> <br /> Always be an informed consumer! Always assess what your risk COULD be! Insurance is just that; a guarantee that if something goes wrong you are protected! <br /> <br /> Call us today and we will help you determine what's right for your needs!<br /> <br /> <br />urn:uuid:46d6a975-9708-43a9-a881-1d7c752b6ca2 Robert Landers, President and Chief Financial Officer, is pleased to announce that his Evanston based firm, Heil, Heil, Smart &amp; Golee has hired JEFF SEMLER as Business Development Manager. Heil, Heil, Smart &amp; Golee is a leader in residential...Wed, 28 Jul 2010 15:53:06 -0500<div class="note_content text_align_ltr direction_ltr clearfix"> <div>Robert Landers, President and Chief Financial Officer, is pleased to announce that his Evanston based firm, Heil, Heil, Smart &amp; Golee has hired JEFF SEMLER as Business Development Manager. Heil, Heil, Smart &amp; Golee is a leader in residential property management, commercial real estate services and receivership services providing management as well as development and leasing. For more than 100 years the company has been serving Chicago and its suburbs with professional property management and insurance services. <br /> Mr. Semler joins the company with a strong desire to help property owners manage their commercial and residential sites. With extensive experience in networking, inside and outside sales, marketing, social media, public speaking and training, Mr. Semler is a welcome addition to the Heil, Heil, Smart &amp; Golee staff. He received his Bachelor of Arts in Marketing and Economics from Carthage College, Kenosha, WI. <br /> While Heil, Heil, Smart &amp; Golee is involved in commercial and residential property management, it is also closely affiliated with Heil &amp; Heil Insurance Agency, LLC. As an independent insurance firm, Heil &amp; Heil staff members are able to provide clients with quality commercial and personal insurance programs designed after review from various insurance companies to find the program which fits their specific needs at the most competitive rates. <br /> To receive more information regarding property management and/or insurance services, please contact Jeff Semler at jsemler@hhsg.net or call the Evanston office, (847) 866-7400.</div> </div> <div class="tagged" id="reader_tags_419958722140"></div>urn:uuid:52e9fefa-5095-4f72-b96a-55e61756ef95Become a fan of Heil &amp; Heil Insurance on Facebook and get all the news and insurance related information&nbsp;to your homepage. From helpful tips you can use to prevent a claim to insurance industry news you can trust. Just another way Heil &amp...Mon, 12 Jul 2010 15:36:29 -0500<span style="font-size: 18px;">Become a fan of Heil &amp; Heil Insurance on Facebook and get all the news and insurance related information&nbsp;to your homepage. From helpful tips you can use to prevent a claim to insurance industry news you can trust.<br /> <br /> Just another way Heil &amp; Heil Insurance LLC is connected to you!</span>urn:uuid:cd6578a4-c1e9-432e-9e1c-405fe738a5afBeing aware of more cars on the road this 4th of July weekend can help you&nbsp; enjoy your time&nbsp;without incident! Drive with caution.&nbsp; Remember, Seat Belts are the law! Should something unfortunate occur, don't hesitate to call your insura...Fri, 02 Jul 2010 11:35:24 -0500Being aware of more cars on the road this 4th of July weekend can help you&nbsp; enjoy your time&nbsp;without incident!<br /> Drive with caution.&nbsp; Remember, Seat Belts are the law! Should something unfortunate occur, don't hesitate to call your insurance company immediately! Holidays don't stop insurance companies from taking care of their customers!<br /> <br /> Heil &amp; Heil Insurance wishes everyone a SAFE 4th of July&nbsp;weekend!urn:uuid:30d36935-9b62-4fe9-85d9-de9c6f1f14ebNational News FEMA: Insurance Applies if Oil from Spill Mixes with Flood Waters June 9, 2010 Management Agency has clarified that in the event of a declared flooding disaster, National Flood Insurance Program coverage will apply even if oil f...Mon, 14 Jun 2010 09:54:10 -0500<div id="zonetitle">National News </div> <h1>FEMA: Insurance Applies if Oil from Spill Mixes with Flood Waters</h1> <p class="byline">June 9, 2010 </p> <div class="articletools"> <ul> <li>Management Agency has clarified that in the event of a declared flooding disaster, National Flood Insurance Program coverage will apply even if oil from the British Petroleum deep well blowout in the Gulf of Mexico is mixed with flood waters.</li> </ul> </div> <p>The NFIP will bill BP for reimbursement for any claims it pays for covered properties affected by flood waters mixed with oil from the BP spill.</p> <p>In a memorandum issued to insurance industry Write Your Own flood program particpants, James A Sadler, director of Claims for the NFIP, said that oil in flood water is not a new development for the flood insurance program. However, in order for coverage to apply there must first be a definitional flood as described in the Standard Flood Insurance Policy (SFIP), Sadler wrote.</p> <p>Damage caused by the oil in flood waters is covered subject to the provisions of the SFIP.</p> <p>Other stipulations provided by Sadler in the memo include:</p> <ul> <li>Coverage for commercial buildings and contents must be purchased separately and the limit for damage caused by pollutants is $10,000. </li> <li>Homes and contents are covered up to the policy limits. </li> <li>NFIP only pays for direct physical loss by or from flood. </li> <li>Condominium contents are covered to the policy limits. </li> <li>Damage to ground, soil, or land caused by flood, oil, or flood water mixed with oil is not covered. </li> <li>The cost of complying with any local or state ordinance including one that requires special removal methods for oil is specifically excluded (certain floodplain management mitigation requirements are exceptions). </li> <li>There is no coverage for testing for or monitoring of pollutants unless there is a law or ordinance requiring it. </li> <li>If the policyholder makes any claim against any person who caused the loss and recovers any money, the policyholder must pay FEMA or the WYO back first before the policyholder may keep any of that money. </li> </ul> <p>Source: FEMA</p> <br /> <br /> Read more: <a href="http://www.insurancejournal.com/news/national/2010/06/09/110584.htm#ixzz0qq3geAvc" style="color: #003399;">http://www.insurancejournal.com/news/national/2010/06/09/110584.htm#ixzz0qq3geAvc</a><br />urn:uuid:a2ba29b1-991b-4ff9-b32c-c04e5dc6d178Most people are not aware of the fact that if they let their auto policy lapse for more than 30 days their next premium will be significantly higher. That's because companies look for proof of prior insurance. And that proof needs to be within 30 day...Wed, 21 Apr 2010 16:18:53 -0500Most people are not aware of the fact that if they let their auto policy lapse for more than 30 days their next premium will be significantly higher. That's because companies look for proof of prior insurance. And that proof needs to be within 30 days. Did you also know that a new car purchase is only automatically covered on your policy for a maximum of 10 days of the purchase. Additionally, If the current car on the policy only has Liability on it, the new car will only be covered for that too. You have to call your agent and get the car covered for full coverage. Don't assume that you are automatically covered. These are oversights that happen every day. A good agent will keep you informed. Heil &amp; Heil keeps you informed!<br /> <br /> WWW.HEILANDHEIL.COM <br /> one insurance agency for all your needs.<br /> urn:uuid:1707ce8d-a353-4c61-a190-85b5d7a593c0An annual insurance policy can be canceled at any time. But just make sure that your replacement policy is active prior to canceling and existing policy. You don't want to be left with a gap in coverage. Insurance premiums that have been paid past th...Tue, 06 Apr 2010 11:58:22 -0500An annual insurance policy can be canceled at any time. But just make sure that your replacement policy is active prior to canceling and existing policy. You don't want to be left with a gap in coverage. Insurance premiums that have been paid past the point of cancelation will be refunded to you. You will need to sign a cancelation form that will specify the date that you want the policy to be canceled. However, it is never recommended to just let a policy lapse in order to start a new policy, even if they are on corresponding dates. The reason for this is that in insurance when reports are run to check past insurance coverage, it can be a black strike against you if it shows you let a policy lapse.  There is never a reason given in that report as to why it lapsed and it could be misinterpreted as non-pay of premium. urn:uuid:89b750e5-9348-4bf0-a157-a8651a0197ddInsurance prices fluctuate! Rates change all the time. If your rates are going up, it might be a good time to check out the competition. Heil &amp; Heil has great companies with great prices. We can check out the rates for you and find you the best c...Wed, 17 Mar 2010 15:37:30 -0500Insurance prices fluctuate! Rates change all the time. If your rates are going up, it might be a good time to check out the competition. Heil &amp; Heil has great companies with great prices. We can check out the rates for you and find you the best coverage for your dollar. In this economy, savings are important without sacrificing coverage. urn:uuid:1ba0838a-5650-4d44-9b2a-54db9f6f8c5aBecome a fan of Heil &amp; Heil on Facebook. .... Heil and Heil Insurance LLC Fan Page has news and information for you every month. We keep you up to date on current safety tips for your home and auto, as well as informing you on prices and company ...Wed, 17 Mar 2010 15:34:14 -0500Become a fan of Heil &amp; Heil on Facebook. ....<br /> <span style="text-decoration: underline;">Heil and Heil Insurance LLC Fan Page</span> has news and information for you every month. We keep you up to date on current safety tips for your home and auto, as well as informing you on prices and company updates.