Clarke & Sampson Blog

Scott Jefferson

Recent Posts

Home Inventory: Time to take stock of your belongings

Posted by Scott Jefferson

Feb 21, 2014 10:38:00 AM

Experiencing a major loss from flood, theft, or fire is devastating enough. Now imagine trying to recall each one of your personal belongings that was damaged or destroyed. It is a daunting task, which is why taking a home inventory prior to a loss is essential. Fortunately, taking a home inventory is simple if you follow our lead.

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Topics: Personal Insurance

Securing Your Home Before Hitting The Road

Posted by Scott Jefferson

Feb 14, 2014 2:52:00 PM

With the upcoming holiday weekend, we thought this would be a great opportunity to emphasize the importance of securing your home before leaving for a trip. Burglar activity tends to spike around holidays. Fortunately there are a number of simple steps you can take to protect yourself.      Alarm_blog

- Lock doors and windows. It may seem so obvious it isn't worth mentioning, but according to a nationwide survey, 25% of homeowners acknowledged leaving the house regularly without locking doors or windows.

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Topics: Home Security, Alexandria VA, Homeowners Insurance

Six Things You Should Know About Debit and Credit Cards

Posted by Scott Jefferson

Feb 7, 2014 11:02:00 AM

Debit and credit cards are often used interchangeably. While these card types may seem similar, there are key differences between debit and credit cards in terms of how they work and consumer protection features. Here is a list of things you should know before using a debit or credit card:

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Topics: Personal Insurance, Personal Liability, Alexandria VA

Protecting Your Assets With An Umbrella Policy

Posted by Scott Jefferson

Jan 29, 2014 2:29:00 PM

Your home and auto policies are designed to protect you from liability losses up to a certain dollar limit, but what if that limit is exhausted? Consider this scenario: you caused a major auto accident that resulted in $750,000 worth of bodily injury and property damage. Your auto insurance only covers $500,000. Who is responsible for paying the remaining $250,000? You are - unless you have an umbrella policy.  

An umbrella policy is designed to protect you above and beyond your home and auto policies. With umbrella liability insurance, you are safe, your family is safe, and so is your lifestyle.

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Topics: Personal Insurance, Personal Liability, Alexandria VA, Personal Umbrella, Umbrella policy, Umbrella Liability

HO3 vs. HO5 Homeowners Insurance

Posted by Scott Jefferson

Jan 22, 2014 10:12:00 AM

Many homeowners operate under the assumption that all homeowners insurance is created equal. A common notion is that as long as the coverage limits match, a policy or quote comparison is "apples to apples." The reality is that that homeowners policies differ substantially even though they may appear to be identical. One major difference between homeowners policies is whether coverage is provided on a HO3 or HO5 form.

 

 

 

 

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Topics: Personal Insurance, Historic Home, Alexandria VA, Homeowners Insurance, HO3 vs. HO5

Six Reasons Every Political Campaign Should Have Insurance

Posted by Scott Jefferson

Jan 21, 2014 11:07:00 AM

The structure and environment of political campaigns expose these organizations to an array of unique risks. Many campaigns mistakenly operate under the assumption that they are protected by government immunity or that even if they wanted to pursue liability coverage, no carrier would be willing to provide it. Coverage is not only available, its also affordable, and here's why every political campaign should have it:

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Topics: Political Campaign Insurance, Political Organization Insurance, Insurance For Political Campaigns, Liability Insurance

Flood Warning System - New Alexandria, Belle View, Huntington

Posted by Scott Jefferson

Jan 9, 2014 11:35:00 AM

Do you live in a low-lying area of Fairfax County? Perhaps you have family that does? We have good news to share that can help keep you and your loved ones safe. Fairfax County has launched a new emergency alert system to warn residents of flood threats.

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Topics: Flood Insurance, Flood Facts, Alexandria Flood, Hurricane Preparedness, Home Security, Alexandria VA

Insuring Your Wine Collection

Posted by Scott Jefferson

Dec 31, 2013 10:27:06 AM

Wine is a delicate investment. A simple a slip and fall could turn one of your most precious bottles into a puddle on the floor. When you consider some of the other threats to your collection (theft, fire, power outage, flooding, earthquake, etc.), it's apparent that there is a lot at stake.

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Topics: Personal Insurance, Alexandria VA, Wine Insurance

Ten Principles of Historic Property Preservation

Posted by Scott Jefferson

Dec 16, 2013 3:16:00 PM

In the 1989 issue of Historic Preservation, Susan Morse described what she called, "The Do's and Don'ts" for those who have invested their time and resources into restoring historic properties. The list that she compiled is still widely circulated and regularly cited by the National Trust for Historic Preservation. While the list was intended for owners of historic properties, it is also relevant to our work as insurers of historic properties. We'd like to share the ten principles with you, and add some helpful guidance from an insurance and risk management perspective.

 

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Topics: Personal Insurance, Home Security, Historic Home

How To Protect Your Home From Water Damage

Posted by Scott Jefferson

Dec 12, 2013 11:58:00 AM

Whether it’s a dripping refrigerator hose or a backed up sump pump, water is a homeowners worst nightmare. It leaks, drips, seeps, and floods its way to the top of the list as the most damaging cause of loss to homes. Fortunately a little hard work and planning can help you reduce the likelihood of major water damage. Here are some helpful pointers for homeowners:

- Install an automatic leak detection system. These systems can detect leaks, and automatically cut the water supply.

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Topics: Flood Insurance, Personal Insurance