Month: December 2019

Happy Holidays and Merry Christmas!

December 23, 2019

Good morning everyone.

On behalf of Mike and I, we would like to extend a Very Merry Christmas and Happy Holidays to you and your families. As you know, we are closing our offices tomorrow and Wednesday for Christmas and will be returning to work this Thursday the 26th.

If you are traveling this week, please be safe. As always, thank you for everything you do for D&D. As we still have quite a bit of work to do this year, please give us your best efforts so we can finish strong in 2019.

Thank you all again

Happy Holidays from the Fresno Office!

December 19, 2019

Our Fresno office loves to show some Christmas cheer, while sporting their favorite ugly holiday sweater.

We’re wishing you all a warm holiday season!

Reminder: D&D Raffle Tomorrow!

December 19, 2019

Tickets are still available for the 50/50 raffle. Please see above flyer and any Project Member (Katie B., Darlene A., Lori, Michelle K., or Richard A.) for tickets.

Winner needs to be present, thank you!

Christmas in the Mountains Bicycle Giveaway

December 10, 2019

Interested in the Christmas in the Mountains Bicycle Giveaway?

Here’s some info we’re passing along from Richard Antenucci & Nora Voice.

  • The shop owner has collected funds from the community and was still short on the amount due to cover the number of bikes needed for the donations. Therefore, he took out funds from his own personal savings to cover the difference. He is still in need of additional funds to cover the remainder of helmets that are needed. They are needing approximately 25-30 of them. The cost of a helmet is around $20.
  • This event will be covered on KSEE 24 where everyone can enjoy I believe the average cost for a helmet is $20. I am hoping that maybe we can generate enough to possibly cover the remainder of that cost for them. This event will be covered on KSEE 24 and we can enjoy watching the kids receive this gift.

Christmas Boutique Reminder: Thursday 12/12

December 10, 2019

This a reminder that the Christmas Boutique will be this Thursday.

We are still accepting donations for the event. Remember the event will start at 8:15am to give us time to set up the items and price them.

Thank you!

Policy Reminder: Rain Season

December 4, 2019

“I’m Singing in the Rain” is an old favorite musical lullaby. However, after getting soaking wet while dancing in the street can bring on the flu.

Commercial:

Please remember, The majority of Commercial Property Policies require “physical damage” to the building (i.e. roof) caused by a covered cause of loss allowing an opening for coverage to apply for interior rain damage. In other words, wind blows off the shingles to allow an opening for the rain to leak inside or a tree limb falls on the roof to cause an opening. Without the roof damage, rain leaks to the building interior is excluded.

If the roof just leaks from lack of maintenance or leaves clogged the roof drain, there is NO coverage. So please be prepared to warn your clients that the adjuster will due their due diligence by inspecting the roof.

Home:

The majority of the home policies take the opposite approach and afford coverage regardless for a sudden roof leak. They do not require storm damage to cause an opening. The Underwriters had more empathy that day, however please be cautious to imply coverage.

Warning:

Also be very cautious to recommend restoration companies to your clients without written back up that coverage is not authorized by D & D and must be approved by the Insurance Company.

On behalf of the P & C Claims Department