Preventing Wildfires – Shield Insurance Agency Blog

Preventing Wildfires

Preventing Wildfires and Staying Safe from the Risk

According to the National Interagency Fire Center, 63,546 human-caused wildfires burned nearly 5 million acres in 2017. To put this into perspective, consider the size of New York City. At 92,781 acres, New York City could have burned 54 times over with that amount of acreage!

That’s 5 million acres that didn’t have to burn if the ‘you’ part of the wildfire equation had followed proper burning protocol.

Warm weather increases the wildfire threat to many parts of the country. That warmth and dryness entice many people to clean up their yards and burn the debris. If not properly controlled, these fires will grow to become uncontrollable. Fortunately, most human-caused fires are preventable when proper precautions are taken. Here are just a few things you can do to avoid starting a wildfire:

Staying Safe from the Risk

  • Follow the law. The community you live in may have burning regulations, like requiring permits, restrictions on the times and places for open burning, and restrictions on the items that can be burned. Check with your local officials before burning anything.
  • Watch the weather. Don’t attempt to burn on windy days or during periods of drought. Check with your local fire official to make sure the weather conditions are safe for burning.
  • Choose the right site. The burn site should be surrounded by gravel or dirt for at least ten feet in all directions and kept wet to prevent the fire from spreading.
  • Never leave a fire unattended. Sparks could blow into leaves or grass and spread quickly.
  • Keep water nearby. Keep a garden hose or bucket of water close to help control the fire in an emergency.
  • Extinguish the fire properly. Use water to extinguish the fire completely by dousing the site and stirring until everything is drowned and not emitting any heat whatsoever. Any remaining coals should also be scooped up with a shovel and dunked into cold water. When you are done, everything in the fire pit should be cold to the touch.
  • Consider alternatives to burning. Yard waste can be made into mulch or composted, while newspapers and many other items can be recycled.

Every year, many families lose their homes and possessions to wildfires caused by humans. Don’t be a part of the statistics. Show your commitment to wildfire prevention, because your safety is number one to us!

To help educate your children on preventing wildfires, check out Smokey the Bear, he’s a pretty smart fellow.

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9 Steps to Winterizing Your Collector Vehicle - Shield Insurance Agency Blog

9 Steps to Winterizing Your Collector Vehicle

Shield Insurance Agency Blog | Winterizing Your Collector Vehicle | Start A Quote Today!

Winterizing Your Collector Vehicle?

In most of the country, cold weather is here to stay, so it’s likely time to prepare your ride for hibernation. And because collector cars don’t live the same life as a vehicle that’s driven every day, it’s important to follow a winterization process thoroughly, to ensure your car survives the cold months.

9 steps to Winterizing Your Collector Vehicle

  1. Fuel stabilizer is the engine’s best friend. As fuel sits, it degrades and coats the inside of the tank and engine parts. Stabilizer in the tank prevents that. Run the engine a little to get the treatment into the carburetor or injectors.
  2. Top off the fuel. This prevents condensation build-up in the tank.
  3. Top off the oil. Make sure the oil level is full. Once spring comes around, you will want to start the car, warm the engine up to operating temperature to burn out the moisture, and then change the oil so you are ready for show season.
  4. Test and top off anti-freeze. Testing the antifreeze is extremely important to preventing freeze damage to the inside of the engine block. Antifreeze testers are available at most auto parts stores.
  5. Clean the car before storage. Cleaning and waxing the exterior before putting a breathable car cover on, will help maintain the quality of the paint, and prevent moisture, that can cause corrosion and mildew.
  6. Tires. Inflate tires properly, and treat them with a good tire gel, both inside and outside walls.  You can also put the car on jack stands to get the weight off of the tires.  This will help prevent flat spots.
  7. Reduce moisture.The interior and exterior of the car need to be protected from moisture.   A damp garage will corrode all bare metals, damage paint, and cause mildew and mold in the interior. A small fan or a shop light with a candescent light bulb under the car will help eliminate moisture. For the interior, DampRid or some sort of moisture absorbing material will keep things clean and dry.
  8. Battery. Use a battery tender that monitors the battery and charges it when needed.
  9. Insurance. Last but not least, check your car’s insurance policy or talk with your insurance agent. Even if you’re storing your ride indoors, it’s still at risk of theft, vandalism, or physical damage.

For informational purposes only and may not be applicable to all situations.

Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Policies are written by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA American Modern Insurance Company (Lic. No 2222-8).

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From Accident to Reimbursement in 3 Hours - Shield Insurance Agency Blog

From Accident to Reimbursement in 3 Hours!

Accident to Reimbursement | Shield Insurance Agency Blog | Start A Quote Today!

QUICK CARE SAVES THE DAY: Accident to Reimbursement

The morning commute is never fun, and being rear-ended by another car can quickly take you to the worst-day-ever level.

But recently, for a State Auto customer, a day that began with a fender-bender on the way to work ended with their claim being filed, processed, and paid within 3.5 hours!

How is this possible? When our customer’s car was hit, their State Auto Safety 360® telematics device notified State Auto and initiated our Quick CARE process.

Their claim was set up at 1:04 p.m. EST. We secured photos of the damage and our Auto Physical Damage team wrote a virtual estimate by 4:30 p.m. EST. The electronic payment was then issued to our customer — all in record time.

This is just one example of how we combine technology, great customer service, and urgency to handle our claims!

What You Need to Know

State Auto Safety 360 Connect customers — who have activated their telematics device — automatically receive the Quick CARE benefit.*


If your customer is in an accident — and it registers on their telematics device — it will alert our Claims and Risk Engineering (CARE) team.**​​


When we receive the accident alert into our claims system, we quickly review the crash information (i.e. severity, location, vehicle, insured, etc.) and then call the customer. If the customer is in need of a car rental or tow truck, we can help arrange those for them, if towing service is included in their auto policy.


A claim will only be filed once the customer requests to do so. If they would simply like advice on what to do or if they’re going through the other driver’s carrier, we note it and let them know to contact us if they need anything.

*State Auto Safety 360 is available for new auto policies written on our Connect platform. It is not available for legacy policyholders. Availability and discounts vary by state.

**Accident notifications won’t transmit to our CARE team unless registered by the telematics device. The inability to register an event can be caused by a low GPS signal, a minor impact, the vehicle was turned off when hit, or your vehicle was sideswiped.

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How To Winterize Your Motorcycle in 7 Simple Steps - Shield Insurance Agency Blog

How To Winterize Your Motorcycle in 7 Simple Steps

Shield Insurance Blog | Winterize Your Motorcycle | Start A Quote Today!

Ready to winterize your motorcycle?

Cold temperatures are settling in, which means motorcycle riding season is coming to an end. Unless you live in the southwest or southern states, odds are you will be putting your ride in storage for the winter months. Unfortunately, simply keeping it covered is not enough.

If this is the first time you are winterizing your motorcycle, or you simply need a refresher, we’ve put together a simple 7-step guide to help steer you in the right direction.

  1. Fuel stabilizer is the engine’s best friend. As fuel sits, it degrades and coats the inside of the tank and engine parts. Stabilizer in the tank prevents that. Run the engine a little to get the treatment into the carburetor and injectors.
  2. Top off the fuel. This prevents condensation build-up in the tank.
  3. Old oil becomes acidic. When the engine is warm, change it, and add a small amount into the cylinders to keep them protected, too.
  4. Add anti-freeze. If the bike is liquid-cooled, refresh the anti-freeze.
  5. Wash, dry and polish. The goal is to clean off corrosive material, then build up a protective coating on the metal, chrome and leather.
  6. Stay off the concrete. Park the bike on a sheet of plywood or an old carpet, or elevate the cycle on a stand. The intent is to prevent flat spots from forming and eliminate moisture build-up under the tires.
  7. Cover it. After completing the steps above, you can now put the entire bike in a storage bag. This will keep it protected from whatever the kids or wind bring into the garage over the winter.

Last but not least, check your motorcycle insurance policy or talk with your insurance agent.  Even if you’re storing your ride indoors, it’s still at risk of theft, vandalism, or physical damage.

For informational purposes only and may not be applicable to all situations.

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4 Tips To Help You Stay Ahead Of Smartphone Hackers – Shield Insurance Agency Blog

4 Tips to Help You Stay Ahead of Smartphone Hackers

Shield Insurance Blog | Smartphone Hackers | Start A Quote Today!

Did you know that Americans check their phone on average 80 times a day? Surprising, right? Unfortunately, the amount of times that our phones can be compromised is surprisingly high as well.  And because mobile phones are so valuable to hackers, more and more new exploits are being discovered.

To help you stay ahead of smartphone hackers, we’ve combined the most frequent dangers and tips on what to do to help protect yourself.

What smartphone hackers value

  • The device itself: Your data can be wiped, the device reset, resold and reactivated. Thieves have gotten better at taking phones apart and reassembling them into new phones to sell.
  • Your data: Your phone is likely linked to your email, financial accounts and other personal records. Armed with your smartphone, a hacker could access your banking  by resetting your email password or receiving a secure pin via text.

Lost or stolen phones: What to do before and after

  • Track your phone with an app. The best ones track to within feet of where the phone is located. If your phone has been stolen, report its location to the police.
  • Secure your phone with a password, swipe code or passphrase. Set the security settings to wipe the data on the phone after a certain number of password tries.
  • If you lose your phone or it is stolen, notify your carrier right away and wipe the data if you are sure you cannot retrieve the phone.

Social engineering

Hackers are using social engineering to persuade mobile carrier customer service to fraudulently transfer phone numbers without your permission. Once they transfer your number to their device, they have password resetting capability for your email, banking, and other accounts.

To help lower the chances of this happening to you:

  • Place a “do not port” alert on your account.
  • Use a pin for your account and require it for all changes.
  • If you receive a text or call from your mobile provider saying that someone is attempting to port your number, call them immediately. Do not respond directly to the message, as that may be a separate scam.

Phishing And Viruses

Texts and emails created by hackers can contain deceptive links or attachments that could infect your phone with malware. The malware can then steal your personal and financial information.

Here are some recommendations to help protect your phone:

  • Do not accept text messages from numbers you do not recognize. Block them. If you are not already on the National Do Not Call Registry, sign up – it’s free and just takes two clicks.
  • Don’t click on links in texts, especially those that look suspicious, and don’t download files from emails unless you are already expecting something from someone you trust. If it’s financial, give the person a call, just to confirm it actually came from them.
  • Just as you have virus and malware protection for your home PC or laptop, it’s time to invest in smartphone protection. There are many competitive products priced at around $50 a year.
  • Don’t plug into any unknown charging stations or devices. Bring a wall charger or power bank with you.
  • Keep your operating system up to date. Operating system updates are usually issued in response to major security exploits. Because these updates are known to have weaknesses, you should review your product’s website to determine why the update has been issued and when to install it.

Mobile phones and your data on them can be compromised in a multitude of ways. Although keeping a step ahead of hackers is tough, educating yourself is critical.

For information only. Not applicable to all situations. The original version of this article written by Monique Ferraro, Counsel Cyber Practice at Hartford Steam Boiler, can be found on their blog.

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How To Treat These 3 Cyber Tricks

Shield Insurance Blog | Cyber Tricks | Contact our office today!

It’s All A Scam! 3 Cyber Tricks

Halloween is a few short days away, and under the cover of the dark web, cybercriminals are refining their sinister methods. And they’re only getting more sneaky and destructive.

Here are three of their most common tricks and how you can avoid getting fooled.

1)  You get a dreadful call that your computer is infected

You receive a call from someone disguised as a technician who claims your computer has a virus, and for $300 they can fix your problem by accessing your machine.

You provide your payment information and login credentials, and it appears that the tech is “fixing” your computer. In fact, they are either doing absolutely nothing or downloading malware to transmit your personal and financial information. Scary, right?

How do you prevent this menacing scam?

  • Document the phone number of the caller and their name
  • Hang up
  • Block their number from calling again
  • Submit your number to the National Do Not Call Registry
  • Report the matter to the (IC3), which collects and follows up on this information

No reputable computer security company or software firm calls to inform anyone that they have a computer virus. Normally, your firewall will prompt a message prior to accessing a bad file or site, and your anti-virus software will scan and fix your files automatically.

2) You receive a shocking email

An email pops into your inbox with a subject line that says, “Your payment of $4,890 to PayPal has been approved,” or, “I am NOT paying this invoice.”

You can’t resist the urge to open it; it might seem like you’re on the hook for a lot of money or being accused of something you didn’t do.

Emails with subject lines like these are remarkably successful in luring their victims into opening them. The real danger lies in the links. Clicking on these could open the door to malicious software, with ransomware being the usual suspect.

How to prevent this sinister scam of cyber tricks?

  • Beware of signs that an email is malicious or fraudulent
  • Delete the email
  • If this happens at work, alert the appropriate person or department, so other employees can be warned and protected

3) You are tricked into transferring funds by an imposter

A Business Email Compromise (BEC) scam usually starts off with an email that makes a pressing demand. It appears to come from an executive or trusted vendor who is unavailable to confirm the demand.

The sender demands that you transfer funds immediately to facilitate a deal or to pay an invoice. The receiver may be deceived by the sender’s inside information, such as details of a pending deal or specific relationship.

How to prevent this nefarious scam?

  • Watch for emails that demand you make a funds transfer, change vendor information, or supply personal or financial information
  • Before taking action, confirm the request verbally, either by phone call to a known number or in person
  • Alert the appropriate internal contact so that preventive actions can be taken, such as blocking the scammers and raising co-workers’ awareness
  • Report the attempt to the IC3 on their website.

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10 Safety Tips To Follow During Halloween – Shield Insurance Agency Blog

10 Safety Tips To Follow During Halloween

Shield Insurance Blog | Safety Tips | Start A Quote Today!

The apples have been bobbed, the pumpkins are carved, the cobwebs are hung, and the spooky movie marathon has been viewed, leading up to one of the most anticipated nights of the year for both kids and adults: Halloween.

But some Halloween statistics can be pretty frightening. According to SafeKids.org, only 1/3 of parents talk to their little goblins about Halloween, yet 3/4 of parents report having safety concerns. American Modern® has collected a trove of tips to keep kids of all ages safe this Halloween season.

1. Before you leave the house to go haunting, check your smoke detectors. 

With all of the neighborhood jack-o-lanterns aglow, and the occasional backyard fire-pits on Halloween night, it’s a good idea to double-check that your smoke detectors are fully functioning.

2. Wear comfortable Halloween costumes that glow in the dark. 

Whether it’s a Ninja or Cinderella, fastening reflective tape onto costumes is an inexpensive and easy way to increase visibility during the night. It’s also great to put this same tape on trick-or-treat bags while you’re at it. Other handy items to carry include flashlights or glow sticks. The safest costumes are bright and reflective so you and your little ones will be more visible.

3. Make-up matters. 

Picking non-toxic make-up is important for you and your child’s safety. It’s always wise to do a small skin test in advance to ensure there is no irritation or allergic reactions. Put a small amount on the arm of the person who will be wearing it. If a rash, redness, swelling, or other signs of irritation develop where the makeup was applied, that’s a sign of a possible allergy. Additionally, you can quickly check the FDA’s list of color additives to see if the colors are FDA approved. If they aren’t approved for their intended use, don’t use them. That list can be checked here: https://www.fda.gov/forindustry/coloradditives/coloradditiveinventories/ucm115641.htm

4. Flame-fighting halloween costumes. 

You never know if you’ll end up fireside making S’mores and telling ghost stories on Halloween. So, always make sure costumes say “flame resistant” on the label. Believe it or not, some clothing products are not flame resistant and sometimes will even have a “keep away from flames” warning. If you make your costume, flame-resistant fabrics such as polyester or nylon are a safer choice.

5. Choose your “weapons” wisely. 

It’s important to make sure any props or weapons that really sell the costume are soft and flexible, such as a cardboard sword. It’s easy for children to get excited about their character. So while they are flexing their imagination, make sure their props are safe and not harmful to others. It goes without saying, but be sure to keep these props (and your children) away from any candles or open fires.

6. Commit to the costume, but scrap the decorative or colored contact lenses. 

The FDA and several eye care professional groups, including the American Academy of Ophthalmology, and the American Association for Pediatric Ophthalmology and Strabismus, are discouraging the use of decorative or colored contact lenses this year. If bought and used without a valid prescription, or without the involvement of an eye care professional, or without appropriate follow-up care, the lenses can lead to significant risks of eye injuries, including blindness.

7. Handle candy with care. 

First, you want to pick a safe bag, tote, or plastic food container to collect treats in. Up-cycling containers at home can be creative and environmentally friendly, but be sure what you are using did not previously contain any harmful toxins, household cleaning items, or any other possibly poisonous material. Also, both kids and adults should not eat candy until it has been inspected at home. No nibbling along the way! Avoid any candy that is homemade or looks like the packaging has been tampered with.

8. Street safety. 

Children should always be properly supervised outdoors by parents. It’s best for children to travel in groups with several parents and stay on the sidewalk, even if the street seems quiet in terms of traffic. Remind your child of the basics: looking both ways before crossing (at corners with crosswalks only), having a buddy to hold hands with while crossing the street, and not talking to strangers. It’s also smart to make sure your child has their phone number and address either memorized or in a safe place.

9. No lights, no treats. 

Houses that do not look like they are celebrating or participating in Halloween should be skipped.

10. In case of tricks, act fast. 

While the origins are mysterious, egging is a popular, but dreaded Halloween trick. Did you know that if a smashed egg is left too long on your house or car it could damage the paint? Quickly clean any egg residue off to avoid damage to painted surfaces. In addition, look out for others around you and notify your neighbors of any mischief-makers in order to keep your neighborhood safe.

As you and your little ones canvass the neighborhood for this year’s candy haul, crunching leaves beneath your feet, American Modern hopes these helpful tips and tricks will make this year’s Halloween safe and sweet.

*If you have any questions or someone you know has been exposed to a potentially harmful substance, you can call the American Association of Poison Control Centers immediately at (800) 222-1222. They are available to assist you 24 hours a day. In case of an emergency, call 911 immediately.
From all of us at Shield Agency, we wish you, and your family a safe and fun Halloween!


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Rental Vehicle Coverage. Do You Have It Do You Need It – Shield Insurance Agency Blog

Rental vehicle coverage. Do you have it? Do you need it?

posted by Melissa Hunt | Shield Agency Blog | Start A Quote Today! | Rental vehicle coverage

I am currently a mother of 3 little ones so I typically need more than a compact sedan to get around. Now, imagine I get t-boned in an intersection…. I have auto insurance, I make a claim, I have collision coverage BUT I didn’t include rental vehicle coverage on my auto policy. 

Now what? I have to hope and pray that one of my family members, friends, or co-workers have a vehicle I can use otherwise I pay out of pocket for a rental. The tiniest, cheapest car would still cost me around $250/ week and a van can run upwards of $550 per week!!! The average family can not afford this extra expense, especially if there is already a deductible that will be owed from the claim.

This coverage that I was missing out on, can be as little as $5 a month depending on the insurance company and the amount of coverage you select. That is pennies compared to what it would take to keep me in a rental vehicle for up to a month! 

So, if you determine that you would need this coverage, how much do you think you would need? Depending on the insurance company, you could get anywhere from $20/day to $75/day for up to 30 days. I should have had at least $40/day if not more to be able to get a decent size vehicle for my family and me. The added perk of having this coverage is that a lot of rental vehicle companies will try to work with the coverage that you have so you will have to pay very little to nothing out of pocket.

Nowadays, there are fewer and fewer repair shops willing to provide loaner cars while your vehicle is in the shop. Those that do tend to still charge you for that loaner if they determine that your car is a total loss. They won’t get any money from you or the insurance company for the repairs to your car so they charge you for using the loaner car for those 2-3 days that it took to look over your car. The safest bet is to have the coverage on your auto policy. You can always quote out what the additional coverage would be with your agent.

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Mold Prevention – Shield Insurance Agency Blog

Say goodbye to mold forever with these genius mold prevention hacks!

Shield Insurance Blog | Mold Prevention | Start A Quote Today!

What Causes Mold?

When excessive moisture accumulates in buildings or on building materials, mold growth will often occur, particularly if the moisture problem remains undiscovered or unaddressed.

Mold Prevention Hacks

  • The key to mold control is moisture control.
  • Fix leaks and seepage as soon as you notice the issue.
  • Put a plastic cover over dirt in crawl spaces to prevent moisture from coming in from the ground.
  • Use exhaust fans in bathrooms and kitchens to remove moisture to the outside.
  • Vent your clothes dryer to the outside.
  • Turn off certain appliances (such as humidifiers or kerosene heaters) if you notice moisture on windows and other surfaces.
  • Use dehumidifiers and air conditioners, especially in hot, humid climates, to reduce moisture in the air.
  • Raise the temperature of cold surfaces where moisture condenses.
  • Use insulation or storm windows.
  • Increase air circulation by using fans and by moving furniture from wall corners to promote air and heat circulation and keep doors open between rooms.
  • Carpet on concrete floors can absorb moisture and serve as a place for biological pollutants to grow – use area rugs which can be taken up and washed often.
  • Dry water-damaged areas and items within 24-48 hours to prevent mold growth.

Dealing with Mold

  • Get rid of the excess water or moisture.
  • Fix leaky plumbing or other sources of water.
  • Absorbent materials (such as ceiling tiles & carpet) that become moldy may have to be replaced.
  • Contact a mold remediation specialist.
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Preventing Frozen Pipes – Shield Insurance Agency Blog

Preventing Frozen Pipes

What Causes Frozen Pipes?

The water inside pipes can freeze when outdoor temperatures drop below freezing. As freezing water expands, it causes the pressure inside the pipes to increase, possibly leading to bursting pipes.

Preventing Frozen Pipes

  • Insulate pipes, especially those close to outside walls, attics or crawl spaces where the chance of freezing is greatest.
  • Seal air leaks surrounding or near pipes.
  • Keep garage doors closed if there are water supply lines in the garage.
  • Disconnect all outdoor hoses and turn off water to exterior faucets and sprinkler systems.
  • Open kitchen and bathroom cabinet doors to allow warmer air to circulate around the plumbing.
  • Keep heat at 55 degrees F. or higher even when you are out of town.
  • During a cold spell turn on both hot and cold faucets near outside walls to allow a small trickle of water to run during the night.
  • If you need to be away from home, leave the heat on and drain your water system before you go.
  • Identify the locations of shutoff valves so that you are prepared to stop the flow of water as soon as possible when a pipe bursts.

What to Do When Pipes Freeze or Burst

  • Open all faucets.
  • Remove insulation and wrap pipes in rags.
  • If all else fails, call your plumber.

If pipes burst:

  • Shut off the water immediately to prevent additional damage.
  • Take proper precautions to avoid an electrical shock from being in or near standing water.
  • Take an inventory of any damaged property or possessions.
  • Contact your local claims office to help you locate a vendor specializing in emergency water mitigation services that can properly dry out the damaged area.
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