community insurance group newsletter the chronicle

7/30/2019 Community Insurance Group Newsletter the Chronicle

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Chronicle

TAKE A LOO

INSIDEPG2

Fall/Winter Edition 2

COMMUNITY INSURANCE GROUP

PREPARING FOR WINTER

SIDNEY OFFICE

2621 West Michigan S

Sidney, OH 45365

(937) 492-0823

MINSTER OFFICE

68 West Fourth St., P.O. Box

Minster, OH 45865

(419) 628-2114

BOTKINS OFFICE

105 Roth St., P.O. Box 24

Botkins, OH 45306

(937) 693-2911

FT. LORAMIE OFFIC

408 South Main St.

Ft. Loramie, OH 45845

(937) 295-2422

www.communityinsurancegrou

PG3

PG4 ACCOUNT REVIEW FORM

COMMERCIAL CORNER

Te ort anwer: weater and ared rik.

When a wave o major storms strikes Ohio, or anywhere in the United

States or that matter, your carrier uses insurance premiums to pay claims

to help customers, like you recover. I they expect more storms, your rates

ncrease. Ohio has been rocked with several devastating storms this past

year, rom hail storms to tornadoes.

Simply stated, a greater requency and severity o storms create higher

premiums, regardless o whether or not you have had a claim.

An increase in severe weather events: The eects o La Nia,

which causes a collision o cooler and warmer air over the

United States, has agitated rougher weather this year.

The growing population: More people means

more buildings and structures lying in potential

paths o destruction.

Why ARE My hOMEOWNERs

INsURANCE PREMIUMs INCREAsING?

Community Insurance Group is proud to

announce the addition o Jamie Mescher

to their operation. Mescher has over 14

years experience in Commercial Operations

and specializes in risk management or

trucking, contracting, manuacturing,

and energy dealers. Je Sargeant,

President o Community Insurance Group

commented: Jamie has been workingin Ohio and neighboring states in these

markets with much success, helping

customers understand risk mitigation,

and coverage options that pertain to their

exact industries. We are excited about the

expertise Jamie brings our agency orce!

Along with the addition o Mescher,

Community Insurance Group has added

new carriers that specialize in these types

o industries, allowing a broader array o

options or customers. Mescher lives in

Minster with his wie Beth and their our

children Evan, Ella, Lydia and Landon.

Earlier this year, Community Insurance

Group added Doris Ward, a licensed

property and casualty insurance agent in

Sidney since 1995. Doris joins Community

Insurance Group rom many years in

working with the local oces o Nationwide

Insurance and American Family Insurance.

Sargeant states Doris is a welcome addition

to our growing amily. Her expertise in

personal home and auto is very helpul to

our existing clientele as well as our growinglist o new clients. Ward will be working in

the Personal Lines division o Community

Insurance Group handling auto, home,

umbrella, recreational vehicles, and ood

policies through many insurance carriers.

Doris and her husband Terry live in Sidney;

they have two children Amber and Je.

Community Insurance Group is an

independently operated insurance agency

based out o Sidney, Ohio since 1995

specializing in Auto, Home, Farm, andall Commercial operations. Other oce

locations include Minster, Botkins, and Fort

Loramie.

Community insuranCe GroupannounCes two new additions

- Jamie Mescher

- Doris Ward

Experts identied causes for the increase, but the two major reasons are:


2/42 FALL/ WINTER CHRONICLES

PREPARING FOR WINTER

IN YOUR CAR. It is not enough to throw a saety kit,including emergency equipment such as blankets,

candles, a shovel and traction aid into the trunk o

your car and think that you are ready or operating

your vehicle in inclement weather. The single most

important thing we can do while driving in severe

winter conditions is to slow down. A sae speed or

conditions might be well under the posted speed limit.

Triple the normal driving distance between you and

the car in ront o you. I your vehicle begins to slip,

immediately take your oot o the accelerator and steer

gently in the direction you want the car to go. I your car

gets stuck, clear the snow in ront o and behind yourtires and spread sand, kitty litter or traction mats in

the ront and back o your tires. Gently accelerate until

you eel the tires begin to spin. Put the car in reverse

and back up slowly until stopped by the snow. Rock

orward again using a low, steady speed.

AT HOME. Have your heating system inspected to make

sure it is working properly. I you have an alternative

heating source, it should be UL approved and inspected

beore using.

Good insulation will also help i power is lost. Checkor possible air leaks around doors and windows. Seal

electrical outlets ans switches on outside walls. Stock

up on easy to prepare ood, frst aid supplies, batteries,

ashlights and a battery-operated radio.

I you do get snowed in at home and the situation i

dire, just relax and preserve heat by hanging blank

over windows and doors. I you use a suppleme

heating device, make sure it is UL approved, in go

operating condition and maintaining sae dista

rom ammable items.

OUTSIDE. Make sure to remove garden hoses r

outside aucets. Hopeully, you remembered

clean your gutters o leaves, and debris. Better

install gutter guards. These can help keep snow

ice rom building up, which can orm ice damns a

damage your house. Outside heating appliances

heat pumps must be clear o snow and debris to w

eciently .

I you have to go outside, wear tight and laye

clothing and sturdy watertight shoes. Make sure

cover exposed parts o the body by wearing hats, gloand scarves. Failure to protect skin and prolon

exposure to the cold can result in rostbite. The no

cheeks, ears, fngers and toes (your extremities)

most commonly aected.

Winter time and winter weather can be tremendous

un, but cold and snow can also pose danger. Slippery

roads, downed power lines and limbs, and reezing cold

temperatures all bring an added measure o suspense to

our daily activities. There are simple steps you can take

that will take the chill o your wintertime experience.

snowpLow, Custom paint JoB:

are tHey CoVered?

Welcome to our semiannual Newsletterthe Chronicle!In this release we are proudto introduce our two newassociates, Jamie and Doris,

on the ront cover. To be ableto expand upon our personneland expertise during these

dicult economic times is a testament to our hard workingteam o insurance proessionals as well as our ever growingloyal customer base. Our challenge is to become a betterservice organization, and with this in mind we are addingon additional insurance carriers such as Acuity, EMC,and Utica that enhance our commercial lines oerings

in trucking, contracting, manuacturing, and retail. Ouragribusiness expertise allows us to handle many dierenttypes o arming operations and help manage the diversityo risks involved by ar our largest growing new customersegment. And our personal auto and home customerscontinue to beneft rom our large array o insurance

providers with options not seen in captive oces such asNationwide, State Farm, AllState, etc. Only Independent

Agencies like us can provide you, the consumer choices.

We are also reworking our website to enhance our customersexperience with our 24/7 access to payment options,vehicle ID cards, claims reporting, and other customerservice enhancements. Please check us out over the nextseveral weeks at www.communityinsurancegroup.comto monitor our progress. As always, please eel ree to

contact me directly with any service suggestions we wantto make your experience with Community Insurance Groupthe best it can be. (jef@communityinsurancegroup.

com, or 937-492-0823).

To all o our insurance customers, we thank you or allowing usto earn your business we truly appreciate the opportunity!Embracing what it means to be Community!

Sincerely,

Je Sargeant, President,

Community Insurance Group Have you recently added any permanently attached equipment

to your vehicle like a snowplow, ladder rack, or cleaning

equipment? Or did you recently get a custom paint job vehicle

wrap to advertise your business?

I you have answered yes or have any other permanently

attached equipment or vehicle enhancements, other than those

originally installed by manuacturer, it is important to contact

us. We will evaluate your insurance needs and assure that your

vehicle is insured adequately.

In addition, we recommend you maintain a record o the

permanently attached equipment or vehicle enhancements by

taking photos and saving your receip

In the event o a loss, these may help

assist settling a claim.

Keep in mind that unless we ha

adjusted the value o your vehicle

these enhancements, they will not

covered in the event o a loss.

We know that these enhancements c

be costly, so beore it is too late be sure

contact our oce. We are always happ

discuss your individual insurance need


3/4FALL/WINTER CHRONICLES 3

CommerCiaL Corner

In consideration of the upcoming Christmas holiday,Community Insurance Group would like to thank you for your loyal

patronage and the trust you have placed in us to help protect your most

valued assets. The word Community means more to us than just a

business name, it means caring for all those in need.

To recognize you, our loyal customer this Christmas season, we are

making donations to several nonprofit organizations in lieu of sending

customer appreciation gifts. Our charitable list this year includes:

Local Hospice Care, Food Pantries, and Women Crisis Centersfound in the communities in which we operate.

What better way to support our own Community, than to connect our

associates, our customers, and those charities in need, during this time

of celebration! Best wishes to all, and have a great holiday season!

Embracing what it means to be Community

VISIT OURWEBSITE

www.communityinsurancegroup.com

24/7 ACCEss TO REPORT

AND TRACK yOUR CLAIM

24/7 ACCEss TO MAKE ON-LINE

PAYMENTS, CREDIT CARD PAYMENTS,

ChANGE yOUR BILLING PLAN

PRINT VEhICLE ID CARDs

WINTER DRIVINGWinter is a dicult time or every motorist, and its especially

tough or truck driver. But theres much you can do to survive the

season without serious grie.

Winterize Your RigBe thinking about winter long beore the frst snow hits. Be sure

your truck is winterized, and so are you, by the time you make your

frst cold weather run.

Put on new tires i treads arent deep enough to give you the

traction you need on snow and ice. Start carrying tire chains.

Change your oil to 15W-40, i youre not using it all year round.

Replace wiper blades and be sure your cab heater and deroster are

in good working order.

Clean battery connections and starter cables. Install heating devices

or the batteries, uel tanks, cooling systems, and oil. Chance are

the same heater will do double duty or oil and coolant.

Cold StartingWhen cold nights come, start parking your truck on the south side

o buildings, to block the north wind. Zip up the winterront tokeep the heat inside. Check your engine heater the frst time you

use it to make sure its working.

Leave the glow plug on longer as the temperature drops. You only

need to operate it or a minute at 40 degrees Fahrenheit (4 degrees

Celsius), but it needs to be on or three minutes at 10 below.

You may want to carry a spray can o ether to assist in starting.

But go easy. Too much ether and youll race the engine and have

ames shooting out your stacks. Dont use it all i you have the

glow plug or maniold heater going. The ether could catch fre or

explode.

It is saer to install an automatic starting uid assembly. This is a

small device which injects a measured dose o ether each time you

start the engine.

Easy Does ItGo easy on snow and ice. Too much power to

the drive wheels can cause you to lose traction

and go into a side skid. On glare ice, it doesnt

take much to spin your wheels. Test careully

to see how much throttle will gain you some

traction without spinning your wheel.

Separate your tractor and trailer oten in

winter and apply light-weight chassis lube

to the fth wheel. I it gets sti, turning is

dicult and youre likely to lose control.

Winterize YourselfCarry survival supplies in case youre stranded

in a blizzard. Carry a set o heavy protectiveclothing as well as a shovel, an extra blanket,

a supply o water, some emergency rations,

and a frst-aid kit.

I youre properly equipped, you may be able

to leave a stranded truck and go or help.

But i you have no clear idea o where youre

going, youre better o staying put. Remain

calm, stay dry, and keep warm. Conserve

uel by running the engine intermittently.

Use you CB radio to stay in touch with the

outside world.

Make Sure You SurvivePrepare yoursel or winter when its still

warm. Master the techniques o proper

winter driving and youll make it through the

harshest weather with your saety record still

intact.


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2012 PERSONAL HOME & AUTO ACCOUNT REVIEW

Once again, please let us know by indicating above if you would like an appointment to review your account.

Keep in mind, no coverage is bound until speaking with an agent directly.

hank you for taking the time to complete your annual review. As always, we appreciate your continued business.

no changes are needed, simply sign this orm and return to our ofce at your convenience.

LEASE SIGN_______________________________________________________DATE___________(Signature )

2621 West Michigan St.

Sidney, OH 45365

Embracing what it means to beCommunity

PRSRT ST

U.S. POSTAG

PAID

SIDNEY, O

PERMIT NO

Would you like to schedule an appointment to review your policy(s) and recommendations we may have for you? yEs NO

lease update your address and telephone information if necessary:

ame:______________________________________ Address:_____________________________________________

hone:_____________________ Alternate #:_____________________ E-mail:_________________________________

overage for the following items may not extend from your home or auto policy if it is not endorsed.

lease check which items you may be concerned about, and we will contact you.

Towing, rental car,uninsured motorists coverage

Any additional drivers

Water backup of sewers/drains

Flood insurance

Earthquake

Personal Umbrella policy and/or increasing

liability limits for auto and home Identity Theft

Rental dwellings/Secondary homes

Vacant home

PLEASE COMPLETE THE FORM PROVIDED, DETACH AND MAIL TO YOUR COMMUNITY INSURANCE GROUP AGEN

Life Insurance, IRAs, Annuities, Health or Disability

Increasing your deductibles for possible savings

Scheduling items (jewelry, ne arts, guns,collectibles, computers)

Recreational Vehicles (mopeds, ATVs, golf carts)

Room addition/remodel

Home based business (child care, Mary Kay, Avon, etc.)

Other concerns:________________________________________________________________________

Please check if no changes

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