Share Button

Snow and ice are inevitable during the winter months, and they can wreak havoc to a car. This current season has been one of the toughest winters West Virginia has seen in a while, and Yeager Insurance wants to make sure your car is protected. It’s a good time to inspect your car for any issues that may have occurred during the last few storms, and prepare for any lingering ones that may hit as the season comes to a close.

The first thing you need to do is remove any road salt from your car. While a necessity for safe travel conditions, road salt is one of the most corrosive substances your car comes in contact with. If left on the body or undercarriage of a vehicle, road salt promotes rust, destroys the finish, and can affect the vehicles mechanics. Pick a day where the temperature is over 40 degrees and run your car through the car wash. Because winter isn’t quite over yet, make sure to open and close all the doors and trunk to prevent freezing, just in case the temperature drops overnight.

The second thing is to check your tires. The snow is starting to melt, but the potholes are getting bigger. Sometimes unavoidable, potholes play a major factor in damage to a tire. From bent rims, punctures and tread loss, to full on shock and strut damage, potholes are pretty much guaranteed to be found on post winter roads.

It’s important to check your tires for low pressure readings. Tire pressure can drop in cold temperatures, and unless your car has an automatic sensor, you may not be aware of the change. Keeping your tires inflated to the correct PSI will extend the life of your treads, maintain gas mileage, and ensure braking reliability. While down there, check your tires for any built up snow or ice that may impede performance.

It’s also a good idea to give your car an overall quick tune up. Check the fluid levels, replace the wiper blades, and check the car’s air filters. With spring approaching, transitioning your car from winter conditions is a necessary step to extend the life of your vehicle. Having a mechanic check your car for any signs of winter wear is always a great idea. This way, should any issues present, you can get a head start on correcting them.

The sunshine and nicer weather is coming. As soon as it does, you’ll want to get out and apply a coat of wax to your vehicle to provide additional protection. Also, give some love to the interior of your car, which has seen its share of muddy boots and snowy shoes.

You rely on your car every day, so giving it a little extra attention during the winter is crucial. Regular winter vehicle maintenance can ensure that your vehicle will be around to see next winter.

Share Button

We are fairly certain you’ve heard this before: Tobacco is a leading cause of death and illness around the world, killing nearly 6 million people a year—5 million of whom are direct tobacco users and more than 600,000 are those exposed to second-hand smoke. This is precisely the reason why the World Health Organization (WHO) finds the need to highlight the health risks related to tobacco use and advocate for effective policies to greatly reduce tobacco consumption worldwide. Every year, they’ve marked a date for the World No Tobacco Day movement, and it happens every 31st of May.
Yeager Insurance joins WHO in their advocacy, and wish to help educate everyone about tobacco and its harmful effects to one’s health. Did you know that tobacco use caused 100 million deaths in the 20th century, and may cause about one billion deaths in the 21st? There are a lot more information you might not have heard. Take a look:

DISEASES CAUSED BY TOBACCO USE

○ Heart disease (coronary artery disease, increased risk of heart attack and stroke)
○ Cancer (lungs, larynx, pharynx, oesophagus, liver, etc.)
○ Emphysema
○ Bronchitis
○ Chronic airway obstruction

STATISTICS (MORTALITY)

○ 5 million deaths per year, worldwide; projected to rise to an annual 8 million deaths by 2030 according to current trends

○ In the United States, smoking is held responsible for one in five deaths (resulting to about 443,000 deaths per year, 49,000 of which result from second-hand exposure)

○ On average, smokers die 13 to 14 years earlier than nonsmokers

If you are a smoker who wants to quit or know of someone who does, how do you begin? Lots of research has been done with this objective in mind, resulting in a lot of products and programs that promise to help one kick the habit, most of them readily available to the public. Reader’s Digest has published a helpful article on the subject that you might want to read and ponder. Help keep the world smoke-free! Happy World No Tobacco Day!

Yeager Insurance & Financial Services is an independent insurance and financial services agency serving West Virginia. To learn more about how we can serve your insurance and financial needs, please contact us at (304) 757-3900. You may also use this site to submit requests for insurance quotes 24 hours a day, 7 days a week.

Share Button

If your indoor pool is only frequently used by members of your family, should you still clean it regularly?

The answer is YES. Pools are open water systems that are exposed to different elements such as rain, debris, insects, fallen leaves—some of which can eventually decompose and attract bacteria. Did you know that waterborne illnesses like cholera, gastroenteritis and typhoid are most commonly spread through pool water?

We at Yeager Insurance believe that “Health is Wealth,” and we want you to protect your family’s wealth by taking initiative. In this case, take it upon yourself to maintain the safety and cleanliness of your home’s indoor pool. Let us offer you these 7 steps to make sure your family is safe the next time they take a plunge!

ONE: Remove any and all debris.
Use a skimmer to skim all floating debris from the water and dispose the waste to prevent it from getting blown back into the water. Should there be trees/vegetation nearby that shed leaves and flowers into the pool, try trimming them from time to time.

TWO: Set up the vacuum.
Reach for the nozzles of the return jets on the sides of the pool and direct them downwards. Connect the vacuum to the hose and prop up the pole so that the vacuum head is suspended over the water. Use one of the jet nozzles to fill the hose end until water pours out of the vacuum. When full, dip the vacuum head and clamp a hand over the hose until you are able to connect it at the skimmer.

THREE. Proceed with vacuuming the pool.
Move the vacuum slowly across the water (pretty much like you operate a lawn mower) in overlapping parallel lines. Brush any algae off the sides of the pool with a nylon brush on the vacuum pole. You can use a stainless steel brush for concrete surfaces.

FOUR: Adjust and correct chemicals.
Make it a point to test and correct pool chemicals every week if possible. Use muriatic acid to adjust pH if it’s above 7.6, or soda ash product it it’s under 7.4. Should the chlorine be below 1 part per million (ppm) or alkalinity be less than 90ppm, “shock” the water by dissolving chorine and alkalinity increaser like baking soda in a bucket of water and toss it in.

FIVE: Backwash the filter.
Redirect the waterflow by turning the filter valve to backwash, and wait for the filter to collect all the dirt it can manage. Remember to empty the filter every other week, and replace every few years.

SIX: Clean the filter.
Shut the system off and close the skimmer valve in front of the pump to hold the water in place—do this so that you won’t have to reprime when it starts up again. Afterward, unscrew the trap’s cover and empty the basket into a garbage bin.

SEVEN: Add chlorine to the system.
The chlorinator is a tubelike tank next to the filter and you can use it to introduce chlorine in the form of slow-dissolving sticks into the pool. Read the packaging and calculate the number of chlorine sticks you would need for your pool, based on the water volume.

Are these 7 steps too complicated for you? Of course there is always the option to have your pool regularly cleaned and maintained by professional pool cleaners. The most important thing to note is that keeping your indoor pool maintained well will help you and your family avoid harmful diseases in the long run. So keep that pool safe and clean, and get through the summer months swimmingly!

Yeager Insurance & Financial Services is an independent insurance and financial services agency serving West Virginia. To learn more about how we can serve your insurance and financial needs, please contact us at (304) 757-3900. You may also use this site to submit requests for insurance quotes 24 hours a day, 7 days a week.

http://www.101backyardideas.com/swimming-pool-maintenance/

Share Button

Is It Possible To Keep Fit At The Workplace?

The National Employee Health and Fitness Day—established in 1989 and celebrated every third Wednesday of May—is a national health observance which was created to promote the benefits and advantages of physical activity in the workplace. In this day and age, employees experience higher stress levels and the sad fact is that as stress levels increase, health levels decrease. This is the main reason why Worksite Health Promotion, or programs encouraging employees to pay attention to both their physical and mental health, has continued to become popular among companies.

Yeager Insurance is expanding into the St. Albans area soon, and we understand the importance of workplace health.  As we grow to provide insurance to Putnam County and now Kanawha County in West Virginia, we realize the people in our company need the opportunity to stay healthy and mobile.

As an employer, what do you do to help keep your employees healthy? Here are some ideas:

Facility Installation — Should your company have an ample budget for it, provide your employees with on-site facilities for physical activities (i.e., a small gym or game room).

Work Hour Flexibility — In conjunction with the first item, allow your employees to take breaks and participate in physical activities.

Promote, Promote, Promote! — Encourage your employees to engage in physical activity such as walking or riding a bicycle to work, or taking the stairs as opposed to riding the elevators. It’s also suggested you offer certain services such as bicycle storage and shower/changing facilities.

As an employee, do you find there’s not enough time in the day to be physically active because of your work schedule? Try these:

The Daily Commute — If you’re living nearby and can afford to walk or ride a bicycle to the office, then by all means do so! Burn some more calories and keep yourself limber by taking the stairs every once in a while.

Fitness Breaks — Instead of leaving your workdesk to hang out at the lounge with a snack, use your break to do a little brisk walking or some gentle stretching. Keeping fitness equipment (i.e., small hand weights or stretchy cords) nearby will allow you to utilize them between tasks.

Get Co-Workers To Join You — Get a group of co-workers you could talk into taking lunchtime walks, and hold each other accountable for exercising regularly. You can even forge new friendships this way!

Do remember that commemorating National Employee Health and Fitness Day just once a year doesn’t mean you should only mind your (and your employees’) healths for a single day. There is, after all, that saying that goes “Health is Wealth,” and you want to be wealthy for the rest of your life!

Happy National Employee Health and Fitness Day!

Yeager Insurance & Financial Services is an independent insurance and financial services agency serving West Virginia. To learn more about how we can serve your insurance and financial needs, please contact us at (304) 757-3900. You may also use this site to submit requests for insurance quotes 24 hours a day, 7 days a week.

Share Button

Yeager Insurance, like most insurance companies, uses many factors to price your insurance, including your driving record, your claims history, the type of home or vehicle you own, and your credit-based insurance score.

What is a Credit-Based Insurance Score and Why Does it Matter?

Your credit-based insurance scores is not the same as your personal credit score, nor is it a measure of your credit worthiness. The credit-based insurance scores is a number that measures your likelihood of having an insurance claim. Studies have shown that consumers with higher credit-based insurance scores have fewer and less severe losses. For this reason the credit-based insurance scores is useful as a rating factor, but it is only one of many that are used.

Because your personal credit history affects your credit-based insurance scores, it is important to regularly review it and make sure that it is accurate. The Fair Credit Reporting Act (FCRA) allows you to order one report for free from each of the major credit reporting agencies each year. You may also purchase a “3-in-1 report” to review your scores from all three major credit bureaus—Equifax, Experian, and TransUnion.

Credit Rules Vary by State
Most states have rules about how credit information can be used in insurance. Contact your state’s Department of Insurance for the latest information on your state’s rules.

Credit Report Errors
If your credit record is incomplete or has an error, ask the credit reporting bureau to make the corrections. If they do they will notify you in writing. Then you can let us know if you want your policy number updated by providing a copy of the notice with your name and policy and mailing it to: Safeco Imaging Center, PO Box 515097, Los Angeles, CA 90051-5097.



Pay Your Bill Online at Yeager Insurance

Contact Us

Address:
3786 Teays Valley Road
Hurricane, WV 25526
(Located between Sherwin-Williams and Tractor Supply)

Emergency Quote Line: (304) 545-9507
Phone
: (304) 757-3900 | Fax: (304) 760-6111
Emailglenn@yeagerinsurance.net

Request A Quote

Need a Quote? By filling out the form below, you will be contacted by a Yeager Insurance agent amazingly FAST!

*All Fields Required

First Name

Last Name

Your Email

Phone

Coverage Needs

Please enter the code in the field below:

captcha

Yeager Insurance Home