ATDinsurance.com

With a New Year often comes promises of positive change. Efforts are made to do things in a new and positive way and to break from old habits which have a negative impact on your life. Which is why Team ATD is here to help you with one of the more important aspects of your live that many times gets overlooked, which is are you properly protected from the unforeseen?

According to several studies millions of Americans woefully under insured or have no coverage at all. Unfortunately for the average consumer they will not find out the true cost until tragedy strikes. Often times the financial consequences are far greater and longer impacting then if they would have  properly prepared themselves ahead of time.

Now we don’t want to scare you. Our goal is to help prepare you.

With every New Year is a new opportunity to review where your coverage is at. Do you have the proper coverage for your home, including personal effects and valued possessions? How about your car? Did you sign up for bare minimum coverage in the hopes of savings, for often times it cost much more in the long run without proper protection.  The same goes for health and life insurance, you don’t want to what till it is too late to learn you need more help.

Just give us a call and we would be happy to review your coverage and make sure you have what you need to protect your family and your assets. No strings attached. We will take your information and go to work on your behalf shopping for you from the 12 companies we represent. All you need to do to start the ball rolling is give a call, that is a New Year’s resolution worth keeping.

Sledding is fun activity for kids of all ages. However, safety is of paramount concern, especially when children are involved. The American Academy of Pediatrics offers the following safety tips:

• Keep sledders away from motor vehicles
• Children should be supervised while sledding
• Keep young children separated from older children
• Sledding feet first or sitting up, instead of lying down head-first, may prevent head injuries
• Consider having your child wear a helmet while sledding
• Use steerable sleds, not snow disks or inner tubes
• Sleds should be structurally sound and free of sharp edges and splinters, and the steering mechanism should be well lubricated.
• Sled slopes should be free of obstructions like trees or fences, be covered in snow not ice, not be too steep (slope of less than 30 degrees), and end with a flat runoff.
• Avoid sledding in crowded areas.

Following a few simple rules will help make lasting memories of snowy fun while keeping everyone safe! Enjoy the slopes from your friends at Team ATD!

The high cost of home heating and the current recession have led many Americans to search for alternate sources of home heating. Many of these sources of heating may be acceptable if appropriate safeguards are used. However, be aware these supplemental heating devices are responsible for thousands of home fires each year.

Wood Stoves: Wood stoves cause more than 4,000 residential fires each year. Carefully follow the manufacturer’s installation and maintenance instructions. Look for solid construction, such as plate steel or cast iron metal. Check for cracks and inspect legs, hinges and door seals for smooth joints and seams. Use only seasoned wood for fuel, not green wood, artificial logs or trash. Inspect and clean your pipes and chimneys annually and check monthly for damage or obstructions. Cleaning more often may be necessary. Be sure to keep combustible objects at least three feet away from your wood stove.

Electric Space Heaters: Buy only heaters with the Underwriter’s Laboratory (UL) safety listing. Check to make sure it has a thermostat control mechanism, and will switch off automatically if the heater falls over. Space heaters need space; keep combustibles at least three feet away from the heater. Always unplug your electric space heater when not in use.

Kerosene Heaters: Buy only UL-approved heaters and check with your local fire department on the legality of kerosene heater use in your community. Never fill your heater with gasoline or camp stove fuel; both flare up easily. Only use crystal clear K-1 kerosene. Never overfill any portable heater and never fuel the heater when it is hot. Use the kerosene heater in a well-ventilated room. Kerosene heaters pose perhaps the worst exposure, largely due to improper use and the fact they contain a highly flammable liquid – not to mention potentially dangerous fumes.

Fireplaces: Fireplaces and wood stoves regularly build up creosote in their chimneys. They need to be cleaned frequently and chimneys should be inspected for obstructions and cracks to prevent deadly chimney and roof fires. Check to make sure the damper is open before starting any fire. Never burn trash, paper of green wood in you fireplace. These materials cause heavy creosote buildup and are difficult to control. Use a screen heavy enough to stop rolling logs, and big enough to cover the entire opening of the fireplace to catch flying sparks. Do not wear loose-fitting clothes near any open flame. Make sure the fire is completely out before leaving the house or going to bed. Store cooled ashes in a tightly sealed metal container outside the home.

Finally, having a working smoke alarm dramatically increases your chances of surviving a fire. Always remember to practice a home escape plan frequently with your family.

The insurance industry has a long history of commitment to safety and dedicates millions of dollars in research every year to support this effort. The topic of distracted driving has gotten much attention recently and the industry
is working collectively with safety advocates, the Insurance Institute for Highway Safety, cell phone providers, celebrities, and policymakers to end this dangerous practice. But more must and can be done.

If you have teenage drivers we urge you to take the time to talk to them about putting down the phone while driving!

Thought we would share visually what we hope to provide for you and your family or business!

Enjoy!

One of the questions we hear often is “Why don’t you quote online?”. The reason is simple, your security!

We are very serious about protecting our customers information. We will not risk third-party applications handling private information or having it sent from server to server unsecured over the internet. We can accurately quote you right over the phone, or you can email us and arrange to have your information securely handled by one of our professional customer service representatives. We have a very powerful in house network which allows us to securely find you the best rate from one of the many companies we represent. Our network sits behind not one, but two firewalls with state of the art virus and malware detection.

We take great pains to keep your information secure and protected from all manner of threat.

That, and we still believe in doing things with a handshake. You will never have to dial through a maze of button pressing only to be greeted with an automated voice at the end. Our customer service agents pick up the phone starting with your first call! You’ll always have access to help.

That is the Team ATD difference. Contact us and find out how we can get to work for you!

Construction is still underway here at ATDinsurance.com, but don’t let that stop you from saving money!

Here at Allen Thorley DeLloyd insurance we have agents standing by to do the heavy lifting for you.

When you contact us we immediately go to work taking your information to the dozen or so insurance companies we represent to find you the best rate. Major names such as Progressive Insurance and Met Life.

The best part is, no automated machines or computer grids to cut through! Call us at either convient location in Elyria or Vermilion and you will talk a real live person. Not some outsourced under trained phone jockey in some distant state or country. But a friendly and competent agent who lives and works right here in Northern Ohio.

So don’t fall for some gimmicky cartoon or computer animated advertising. Stop in and save, that’s all there is to it.

Welcome to the all new ATDInsurance.com. Our site is currently under construction and will be finished soon, so check back often to learn how you can save and be better protected! We improving to serve you better, Thanks!