clj 2016aug pp1-4 · clj risk management chelsey jones, lutcf, agency owner o˚ce: 832-777-0381...

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Did You Know?In 2015, Texas ranked #7 on the top 10 states hit hardest by wild�res. Over 184,000 acres burned, destroying thousands of homes, and causing billions of dollars in damage.

CLJ Risk Management Chelsey Jones, LUTCF, Agency OwnerO�ce: 832-777-0381 Cell: 832-454-9907 [email protected] www.cljriskmanagement.com


• Receive a $10 GIFT CARD for EVERY person referred for a quote

• Each referral enters you into a monthly drawing for COOL PRIZES

• GRAND PRIZE drawing held at the end of the year for a 42” Flat-Screen TV!

ANNOUNCING THEReferral Rewards Program!!

The prize for the month of August:

8-PIECE GRILLING SET!+ to qualify for the gift card and drawing, the referral must receive a quote+ no obligation to purchase

AUGUST 2016VOLUME 2

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INSIDE...

Stay Safe in the Texas Heat

Is Your Coverage Out of Tune?I have always loved music! As a little girl, I remember listening to my godfather play guitar and always wanting to learn. I’ve made my attempts over the years but had never committed to taking lessons or buying an instrument. About two years ago I decided that it was time to put my love of music to the test and learn to play. A couple of my friends played just about every weekend, and I wanted to “be in the band!”. Thanks to YouTube, chord charts and playing with friends, I have learned to play the ukulele and guitar. By no means am I a pro, but I love to play and am constantly learning and improving.

As any musician will tell you, tuning your instrument is the �rst thing you do before you start to play. When you hear a singer or musician out of tune, the whole thing just sounds

1 International Childfree Day2 Ice Cream Sandwich Day3 Watermelon Day4 Assistance Dog Day5 International Beer Day6 Fresh Breath Day7 Sisters’ Day8 International Cat Day9 Book Lovers Day10 Duran Duran Appreciation Day11 Play In The Sand Day12 Vinyl Record Day13 Garage Sale Day14 Creamsicle Day15 Best Friends Day16 Airborne Day17 Black Cat Appreciation Day18 Bad Poetry Day19 World Humanitarian Day20 Chocolate Pecan Pie Day21 Poet’s Day22 Take Your Cat to the Vet Day23 Ride the Wind Day24 Knife Day25 Whiskey Sour Day26 Dog Day27 “The Duchess” Who Wasn’t Day28 Pony Express Day29 More Herbs, Less Salt Day30 Frankenstein Day31 Love Litigating Lawyers Day

AUGHere are a few �rst aid tips if you or someone around you experiences any of the symptoms:

· Move to a cooler environment, lie down and loosen clothing· Reduce body temperature by applying cool, wet cloths or bath· O�er sips of water (if the person complains of nausea, stop giving water)· Heat stroke is a severe medical condition. Call 911 or go to a hospital immediately.

More tips can be found on the National Weather Service website: http://www.nws.noaa.gov-/os/heat/heat-illness.shtml.

For the Sauce:2 1/2 tbsp mayonnaise2 tbsp scallions, chopped �ne1 1/2 tbsp Thai Sweet Chili Sauce1/2 tsp Sriracha (or to taste)

For the Shrimp: 40 large (12.8 oz) raw shrimp, shelled and deveinedfresh cracked pepperoil spray

Directions:Combine the mayo, scallions, sweet chili sauce and sriracha sauce in a small bowl. Set aside. Soak wooden skewers in water at least 20 minutes (or use metal ones toavoid this step). Season shrimp lightlywith pepper. Place 5 shrimp on 8 skewers.

Heat a clean, lightly oiled grill to medium, being careful not to burn the skewers. Grill on both sides for about 6 - 8 minutes total cooking time or until the shrimp is opaque and cooked through. Set shrimp aside on a platter and quickly brush sauce onto the shrimp; serve immediately.

Bangin’ Grilled Shrimp Skewers

Texas summers bring extremely high temperatures. There are hundreds of fatalities every year, and even more heat-related illnesses – heat cramps, heat exhaustion or heat strokes. It is important to stay hydrated and know the symptoms of excessive heat exposure and the appropriate respons-es. Symptoms include:

· painful muscle cramps or spasms · heavy sweating · weakness or dizziness · nausea or vomiting · altered mental state· high body temperature · rapid pulse · fainting

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CLJ Risk Management along with Key Realtors, Fairway Mortgage, and Accurate Home Services, hosted a Homebuyers’ Seminar to educate individuals who are in the market to purchase a home. They learned the buying process from the initial o�er and loan application, inspection and appraisal, to obtaining insurance and closing. If you know someone who will be purchasing a home in the future, we’d greatly appreciate the referral!



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woofington postMaggie wants to remind you to practice heat safety wherever you are! While on job sites, stay hydrated and take breaks in the shade whenever possible. Check on the elderly, sick, and those who do not have AC. Never leave kids or pets unattended in a vehicle – look before you lock the car! Limit strenuous outdoor activities, �nd shade and stay hydrated.

by Maggie Lou

“Life doesn’t require that we be the best, only that we try our best.” – H. Jackson Brown, Jr.

Out of Tune, (continued from front)

“o�” and can ruin the experience. Music is supposed to bring a pleasant sound to your ear but when out of tune, it takes away from its entire purpose.

This thought came to me…… an insurance policy without the right coverage is like a guitar out of tune. It may get you by but it is not reaching the full potential of what it is designed to do. No one wants to listen to music that is out of tune, and you shouldn’t pay premiums for something that doesn’t provide adequate coverage. The purpose of insurance is to provide �nancial protection and peace of mind in the event of an unforeseen accident or natural disaster. Wouldn’t you have peace of mind knowing your policy will cover you in the time of need?

Here are a few tips to make sure your coverage is “in tune”:

There are many di�erent types of policies in the market which de�ne

the coverage available. It is important to understand what types of losses are covered, what is excluded, and what endorsements are available.

Summertime means warm weather, pool parties, and vacations – but it’s also the perfect time to tackle all those house projects you’ve put o� all year! Here are just a few ideas that will help keep your home safe and organized.

Cleaning and re-organizing your home can freshen up the look and

layout of your home! You may even stumble upon belongings you had forgotten about! This is a perfect time to make a home inventory list. Having an inventory of your personal belong-ings such as furniture, electronics, appliances, clothing and jewelry, etc. can be a huge stress relief in the event of a major disaster or theft. This will help provide a smoother claims process and for your insurance to replace the items with like-kind and quality. Email me at [email protected] for a free home inventory checklist!

DIY repairs can be fun and empowering! Simple things such

as touch up paint and repairing cracks in driveway or sidewalks can make a huge di�erence with little money and e�ort. Do a good walk around your

Does your policy cover Replace-ment Cost or Actual Cash Value

(ACV)? Replacement Cost provides the necessary coverage to replace with like kind and quality, not to exceed your policy limits. ACV means depreciation is deducted when claims are made. ACV policies have lower premiums, but you would not be covered for the full amount to replace or repair the home or personal property.

Choose a deductible amount that is right for you. Would you be able

to pay the deductible in the event of a claim?

There is no one perfect policy for everyone. Talk to your agent about your speci�c needs and have a policy designed that is right for you.

Stay “tuned” for the next newsletter!

home and check the siding, facia and so�ts on the roof for rotting or chipped paint. Check patios, driveway and sidewalk for minor cracks that can be �lled with a bag of concrete purchased from your local home improvement store.

Trim back any tree limbs or bushes that are hanging over the roof or

too close to the house. This will help

prevent falling trees or limbs, as well as from �res spreading to the home.

We all know that in Texas it is raining one minute, and hot and

dry the next. Extremely dry spells can lead to a cracked foundation, so keeping it watered can help prevent cracking which would not be covered on a standard home insurance policy.

Summertime DIY Home Projects

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clj 2016aug pp1-4 · clj risk management chelsey jones, lutcf, agency owner o˚ce: 832-777-0381...

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