Category: Prevention

Do You Need Earthquake Insurance?

Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active.  In fact, there were two very recent earthquakes in the Rochester, NY region alone! Experienced last week on Tuesday and Friday, these small earthquakes were centered several miles below Lake Ontario, less than 100 miles away. 

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How To Prevent Distracted Driving Claims

Cell phones, tablets, and other electronic devices are a necessity in our personal and professional lives, but when operating a vehicle, their use takes your attention off of the road and can have serious consequences. Approximately 660,000 people are on electronic devices while driving a vehicle during daylight hours. This is a preventable way in

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4 Tips for Homeowner’s Insurance Inventory

When fire, burglary, or other disaster strikes your home, you want to begin the recovery process as soon as possible.  However, before you can file your homeowner’s insurance claim, you must fully document all of your damaged belongings. If you are like most people, you haven’t prepared a current inventory list, or videotaped your belongings. So

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What You Should Know About Flood Insurance

You’ve probably heard this horror story before — someone loses a home due to a flood and learns after the fact that standard homeowners insurance doesn’t cover flood damage. At Walsh Duffield, we want you to be educated about all of the risks you may face – before a loss occurs – so you can

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Critical Cyber Exploits Affect Nearly All Computers

The latest in Cyber Security Trends and News  Cyber security researchers recently announced the discovery of two major security flaws that could allow hackers to bypass regular security measures and obtain normally inaccessible data. The flaws, referred to as Meltdown and Spectre, are both caused by design flaws found in nearly all modern processors. These

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How Wellness Programs Can Prevent Workers Comp Claims

One of the principal cost drivers of workers’ compensation claims are medical expenses for the treatment of job-related injuries and illnesses. Important indicators of how some claims become high dollar expenses are claims with a comorbidity diagnosis (multiple medical conditions or ailments) which, studies show, are likely to generate twice the cost of other claims.

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Winter Water Damage

With the outside temperatures fluctuating and the snow melt we’re expecting later this week you should be concerned about excess water in your basement or the lower level of your home.  Did you know that homeowners policies don’t cover water that overflows from your sump pump or backs up through your sewer lines? You need to add this coverage via an endorsement in order

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Preventing Frozen Pipes This Winter

Don’t Let the Cold Get to Your Pipes This Winter It’s hard to think of a worse start to a winter day in Western New York than turning on the faucet and … nothing. Maybe there’s a trickle of water, but it’s clear you have a frozen pipe. So, what now? Here are some smart

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