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Texas Windstorm Insurance Association Board Approves Rate Increases!

By now, you’ve probably heard the Texas Windstorm Insurance Association (TWIA) Board recently approved a 10% rate increase plus a 4 percent cost-of-living increase for a total of 14%. This increase will take effect January 1st, 2019 for new coverage and at the renewal date for current policyholders once the Texas Department of Insurance gives final approval.

The United Corpus Christi Chamber of Commerce, other Coastal Chambers, and elected representatives will likely fight what they consider unfair and inequitable rates. The chambers will rally and lobby the Texas legislature but what can you do to avoid the potential rate increase?

How to Avoid a 14% rate increase on your Windstorm Insurance?

The chambers will rally and lobby the Texas legislature but what can you do to avoid the potential rate increase?

First and foremost, this rate increase would only apply to TWIA policyholders so if your protection is not with TWIA, you don’t need to concern yourself. If your coverage is with TWIA, now is a good time to check for alternative protection. Is your home well maintained and not located within 1,000 feet of the Texas Gulf Coast? If so, there is a great chance Ed Cantu Insurance Agency can slash the proposed rate increase up to 25% with an alternative insurance company who is financially fit!

The best way to find out how much you can save is to call us today at (361) 991-1493 and ask or click this link now!  https://www.edcantuinsurance.com/windstorminsurance.php#quote

Because We care

Ed Cantu

Windstorm Insurance Specialist

Happy 4th of July!

July 4th Safety Tips (Summer Fun Safety Tips)

The 4th of July Holiday should be filled with family, friends, food, and watching fireworks. All too often, it can also be filled with high risks if you’re not careful. The most common dangers include car, grilling, and firework accidents and since we are a beach community, water activity is also a threat.

Did you know?

More people die in motor vehicle crashes on the July 4th than any other day of the year. July is the peak month for grilling-related fires. On average, 8,800 home fires occur. July 4th, 2016 saw 11,000 firework related injuries and 69% required E.R. treatment.

Ed Cantu Insurance Agency wants you to enjoy your 4th of July celebration so please follow these helpful safety tips on your holiday and for the rest of your Summer. And remember to call us when you and your family need protection.

Driving and Highway Safety

• The obvious one: Don’t drink and drive. Please. Just Don’t.

• Stay diligent with the basics (watch your speed, seat belts, blind spots, etc.)

• Stay alert, especially at night. There might be drunk drivers out there

• Minimize distractions like loud music or a car full of friends

• Drive cautiously on rural roads

• Avoid drivers that appear agitated or distracted

Grill and Bar-B-Que Safety

• Never leave your grill unattended

• Keep intoxicated people away from your grill.

• Keep a fire extinguisher nearby and let everyone know where it is and how to operate it.

• Don’t move the grill once it is lit.

• Keep children and pets away from the grill.

• Operate your barbecue on a level surface, away from your house, garage and landscaping.

• Protect the cook with a heavy apron and gloves that reach high on the forearm. Use very long-handled utensils designed for barbecuing.

• Use only lighter fluid designed for grilling when charcoal grilling. Never use gasoline or other flammable liquids, and never add more lighter fluid once the fire has started.

• Wait until the grill is cooled before storing or covering. When you’re done cooking, remember that the grill will remain hot for a while.

• Soak charcoal briquettes with water to ensure they are cool and inactive before throwing them away.

Fireworks Safety

Leave Fireworks to the professionals but if you choose to use them yourself, please follow these tips!

• It is against the law to use fireworks within most City limits so make sure they are legal in your area.

• Be sure to read and follow instructions.

• Don’t give fireworks to small children.

• Light fireworks on the ground in a fire resistant area.

• Keep a fire extinguisher nearby and always wear eye protection.

• If a firework is a “dud”, do not attempt to relight it.

• Upon disposal, douse the shells in water and throw them away.

• Store fireworks in a dry place, away from children and animals.

• Never attempt to disassemble or make your own fireworks.

• Never throw or point fireworks at any one or anything.

 

PROTECT YOUR PETS-

Don’t forget our furry friends. Did you know that July 5th is the busiest day of the year for animal shelters? Unlike people, pets don’t associate the noise, flashes and burning smell of fireworks with celebrations and a good time. Pets are terrified of fireworks and often panic at the loud whizzes and bangs they produce. Help your Pets by doing the following:

• Keep your pets indoors and turn up the TV or radio volume to reduce the firework noise.

• Don’t take them to a Fireworks Display.

• Have your pet properly identified in case they get out.

Beach and Water Activity Safety

July is one of the hottest months of the year so many families turn to water activities to beat the heat. Have fun and remember that water activities have serious risks when you aren’t careful.

• Review safe boating practices.

• Never consume alcohol while driving a boat.

• Before boating, always check that there are enough life preservers on hand for every passenger.

• Set water safety rules for your family.

• When at the beach, lake or river, never swim alone and pay attention to posted warning signs.

• Pools should be enclosed completely with a fence to restrict access to the area. Consider installing wireless outdoor sensors that will alert you via phone or with a chime inside your home if the sensors are activated.

• Keep your first aid kit near by.

 

All of us at Ed Cantu Insurance Agency want to help protect you and your family against know and unknown perils so call us at (361) 991-1493 when you need help. Summer time is also a great time to review and update your protection.

Because we Care

Ed Cantu

P.S. Share these helpful safety tips with someone you care for… I just did!

THEY’RE BACK.. And they are bigger than ever!

THEY’RE  BACK.. and They are Bigger Than Ever!

If you’re from the Coastal Bend or if you’ve just spent one full summer here, you know what happens after a heavy downpour.  The 17 plus inches of rain last week means it’s time to prepare for those pesky pests that always follow.  The U.S. is home to more than 150 mosquito varieties and it seems like all of them live in South Texas.  With or without the fear of the Zika virus, now is the perfect time to amp-up your mosquito-fighting skills!

Here are 5 Tips to Reduce Your Risk of being bitten by those pesky bugs:

1) Use mosquito repellent that contains DEET and follow the directions.

The Centers for Disease Control and Prevention (CDC) recommends products with at least 20 percent DEET concentration for the best protection.  The EPA found DEET chemical poses no health risk as long as you carefully follow the instructions printed on bug spray containers.

2) Try using a bug spray with natural ingredients.

Some plant-based sprays may also be effective for fighting off bites. The CDC says products that include oil of lemon eucalyptus can be a more natural remedy for some.

3) Wear long-sleeved shirts and pants.

Summer means outrageous heat and humidity but wearing a lightweight, long-sleeved top and a pair of pants for a day outdoors can save you from a lot of itching later on.

4) Spray your clothing with permethrin.

Permethrin spray practically creates a forcefield between you and mosquitoes, as well as some other insects. You can purchase permethrin-treated clothing at outdoors stores, or do it yourself at home. The spray helps prevent bugs from even landing on your clothes, and the treatment can withstand several machine washes.

5) Empty containers of standing water around your home.

Standing water is the ideal nesting ground for mosquitoes. It’s especially important to empty containers of standing water such as in kiddie pools and flower pot saucers.

Bonus Tip number Six. Wear white or other light color clothing as mosquitoes are attracted to dark colored clothing… they are especially attracted to black and navy blue.

Each of us at Ed Cantu Insurance Agency want to help protect you and your family against know and unknown perils so call us at (361) 991-1493 when you need help.  Summer time is also a great time to review and update your protection.

Because we Care,

Ed Cantu

P.S. When you need professional help with your pesky pests, I recommend you call our good friend Kent Nielsen at Pest Patrol (361) 852-4002.

P.P.S. Share these helpful safety tips with someone you care for… I just did!