Kelly Lee Insurance News

When it rains, many times, it pours.  When it pours, all that water can lead to flooded homes.  Did you know homes can flood when there hasn’t been a drop of rain for weeks?  A common cause of household flooding comes from appliances that leak or malfunction. 

Drip, drip, drip.  It’s just a small leak, you barely even notice, but is it causing destruction?  Uh-oh, the washer failed to drain after the cleaning cycle and as the rinse cycle runs more water it overflows rushing from the laundry room into the kitchen and running down the hallways to the bedrooms.  Water from an emergency situation, or a gradual build-up, both can cause costly damage to your home.

Dishwashers, Washing Machines, and Refrigerators with Automatic Ice Machines are the three most common household appliances that cause homes to flood and endure water damage.  Here are some maintenance and inspections tips to follow to lessen the likelihood of falling victim to an appliance caused household flood.

Dishwashers have supply and discharge lines that pump water in and out during the wash and rinse cycles.  If one of those lines springs a leak and ultimately explodes, gallons of water can flood the kitchen causing damage.

Soapy water can also backup in the dishwasher spilling out onto the floor.  This backup of water is usually caused from a malfunction like a faulty float, food and debris clogging the drain gate or the discharge house, or using the wrong detergent.
 
To aid in the prevention of a dishwasher caused household flood, it is recommended that the drain gate be checked frequently clearing debris and food particles.  Hoses and connections should be routinely inspected for leaks.  Also, purchase and use dishwashing detergent recommended for the make and model of your appliance.

A hole as small as a pin prick can cause a constant small drip to lead to big household floods if ignored.  Many times, water can build up and cause hidden damage.  If a washing machine supply line bursts, it can cause great damage. 

Again, prevention is key.  Check your hoses and connections closely at least twice a year.  Are there cracks, holes, any moisture or water spots from the hoses are where connection are made?  Does your hose have plenty of room and lie smooth or are there kinks in the hose?  

If it is time to replace your hoses, think about using stainless steel hoses instead of rubber. Maintain a minimum of four inches between the washing machine and wall.  That way hoses aren’t crowded and cramped.  Installation of an automatic shutoff valve, that can sense water pooling on the floor and shutdown the water supply by closing the valve, might be a good tool to prevent household flooding.

Ice that comes from an automatic maker in the refrigerator/freezer is genius.  We love the convenience but again a leaking line to spell household flood disaster.  

Make sure it is installed properly and the copper hose won’t come loose, or worse, disconnect totally.  Routine inspection of the water line is the best way to detect a small leak before it becomes a big problem.  The four inches away rule applies to this appliance as well.  Leave that gap to prevent crimping.

Routine inspection and immediate repair are the best ways to prevent household appliance flooding.  You should also inspect your homeowner insurance policy to understand what your coverage would be in an event of an appliance caused flood.  

Call Kelly Lee Insurance today for a no-obligation quote for all your insurance needs.

Ah, Spring!  Summer is a few months away.  Is your vehicle ready for the weekend road trip or summer vacation travel?  Here are a few car maintenance items to check out and do before you hit the road.

Schedule any routine maintenance before your trip so you won’t have to stop for it during your trip.  Oil change still a few hundred miles out? Get it done before you hit the road and to avoid any performance issues.  Have all fluids topped off and make sure your tires are rotated.  Maintaining these things gives you a better ride and lessens the chance of routine maintenance needing to be done when you are away from your trusted car care facility.

Have your tire air pressure checked (including the spare) and have tires inspected for wear.  Many vehicles have only a donut as a spare.  Consider having your spare replaced with a full size tire that way you can continue a trip at normal speeds and distances without a trip to the tire shop.

Replace windshield wiper blades if need be and make certain you have plenty of fluid in the windshield well.  It is recommended to replace them every 6 to 12 months.  

Have all your lights checked just like you would for a vehicle inspection. Turn signals, headlights, and tail lights should all be in working condition.  Don’t hit the road without making sure all are operational.  If you will be pulling a trailer or camper, make certain those lights are all in working order.  It is also a good idea to carry a spare fuse.

If a indicator light is on, have it checked by a qualified mechanic.  It is better to know why the light came on than take a chance while on the open road. 

Have a mechanic check your radiator, hoses, and belts for wear.  Your car will run better and you can prevent being temporarily stranded if these are close to replacement time.  Prevention is the best cure when it comes to hoses and belts.

Have your brake system inspected. Making sure your vehicle can stop on a dime prevents many accidents.  Brake pads wear thin and sometimes unevenly.  You may not notice they are about to go out until it is too late.  Have a qualified professional take a look.

Check the suspension of your vehicle.  Being in a vehicle with worn struts and/or shocks can be likened to flying in an airplane plagued by turbulence.  Bouncing up and down after every little bump in the road does not make for a pleasant trip.  Have worn springs, struts, and shocks replaced.

Have the air conditioning system serviced and checked.  It gets hot quickly in a car and adding to the misery of a hot, humid day is a vehicle without cool air.

Clean your vehicle from top to bottom, inside and out, before your trip.  Maintain the cleanliness inside with trash bags instead of using the floor boards for waste.  At each pit stop, throw your trash away and clean the windshield.

One last thing to check is your car, truck, SUV, or motorcycle insurance coverage.  Knowledge is power, and when traveling knowing you are covered in the event of an accident can greatly increase your chances of relaxing.  Kelly Lee Insurance agents can give you a fast, no-obligation quote by telephone or online.  Make certain you have the insurance coverage you need at prices you can afford, for even the youngest drivers in your family, and take a vacation free from worry.  

Car insurance is required by law to drive, but why do you really need it? Most people figure it's something they have to do but care little about the benefits of car insurance and its meaning in their lives.

Every day, there are over 17,000 car accidents in the United States, and over forty thousand people die from car crash injuries each year.

Many of those who survive often face significant physical and emotional trauma. Hospital bills and repair costs can cost thousands upon thousands of dollars. Are you able to cover theses cost if it happens to you?

The truth is that no one wants to pay for car insurance, and understanding all of the reasons why you should have it won't make you any more eager to fork over a hundred or more dollars each month. But auto insurance in Lake Charles isn't just something people with enough money should have. Every licensed driver should have car insurance in Lake Charles. This article will take a look at some of the more significant reasons why auto insurance matters.

Everyone is Protected When There's Insurance

After a car accident, drive and passenger safety and recovery are the top priorities. No one wants to stress about a court date and think about how they'll manage to pay their expenses. Car insurance is protection, plain and simple. Every state has required minimum coverage limits that ensure drivers can cover moderate damages in the event of an accident.

The most common minimum car insurance requirements are:

• Bodily Injury Liability
• Property Damage Liability
• Personal Injury Protection (PIP) or No-Fault Insurance Coverage
• Uninsured/Underinsured Motorist Protection

You may not want to pay for each of these different types of coverage, but they all serve a unique purpose that offer a blanket of protection if you're in an accident. Bodily injury liability pays for the other car's injured passengers medical expenses. If only one driver has insurance, uninsured or underinsured motorist coverage kicks in.

Underinsured/uninsured coverage protects drivers and covers expenses for an accident when the at fault driver doesn't have insurance, or their insurance coverage is low, and is insufficient to cover the claim.

PIP coverage is there to provide some financial support regardless of who is at-fault in an accident. This provides a peace of mind and sense of security if you're ever in an accident and require emergency medical care.

Property damage, as the name implies, covers the cost of the other driver's repairs in an accident.

As you can see, most of the car insurance requirements don't pay for you, but the other driver. What does that mean? In the event of an accident, you're relying on the other driver to have insurance that can pay for your expenses if you were not at fault.

If drivers choose not to carry auto insurance in Lake Charles, or they simply can't afford it, they put others' lives and finances at risk every time they get behind the wheel.

Insurance Covers More Than Accidents

Car insurance in Lake Charles can be customized to cover a variety of life events. Many types of supplemental coverage pay for damages and repairs that aren't caused by another driver. Some of the most damaging things that can happen to your car don't even occur on the road!

Take theft and vandalism coverage. If your car is broken into and someone steals your laptop, who pays for it? Most people would just file a police report and figure they're out of luck, but if you have theft protection added onto your car insurance, you'll be able to replace stolen property.

Car insurance policies can also cover weather damage, accidents involving animals, towing and rental vehicles while your car is in the shop after an accident.

Being sure about your business needs is crucial to staying afloat, especially in a competitive world where not everyone can be trusted.  Imagine conducting business with someone who promises to perform a service for you. On the day they are to perform said service, they fail to show up. 

Imagine hiring a contractor for an expansion that is desperately needed for your business to grow to the next level.  Your highly recommended contractor is doing a fabulous job.  Everything is on schedule and your Grand Opening of the new wing of your business is planned for the end of the following month. You order food, entertainment, print invitations, and media to cover the opening and 3 weeks before completion, your trusted, high-producing contractor suffers some personnel issues and is unable to maintain the work pace because he no longer has qualified employees.  The job, that you already paid for, is shut down.  You cannot find a replacement contractor. You cancel your Grand Opening Celebration.  How much money would you lose?  It could mean a significant loss unless you had protection against losses from obligations not being met.  Surety Bonds are an insurance product that covers contractors.  

Surety (or Commercial) Bonds are used to protect the obligee (client)  in the case of nonperformance.  Basically, a Surety Bond, or Commercial Bond insures the hired party will perform or funds will be returned and losses covered.

To put it in bond, Surety Bond, language, a surety protects the obligee against losses if the principal does not meet their obligations.  Further definitions to help you understand the language are:  the obligee is the hiring party, the principal is the hired person or party, and the surety is the insurance company who guarantees that the obliging contractor can fulfill the obligation.

Let’s put it in first person:  The obligee or hiring party is you.  The principal or hired person is your contractor.  The surety is the insurer. 
 
Kelly Lee Insurance has access to over 50 independent underwriting sources, this means you can find the best value Surety Bonds for your business.  Rates on Surety or Commercial Bonds are dependent on several factors including risk, type of business, and the cost of the project or work to be performed.

The business world can be complicated, the business world can be uncertain, however, with the issuance of a Surety Bond your project can find concrete footing in the case of an unforeseen impediment.   

Surety Bonds are not applicable to every type of business.  Surety Bonds may not be necessary or even obtainable for every situation that involves hiring a contractor to provide a service.  

If you would like more information on Surety Bonds or Commercial Bonds in Lake Charles LA, call your local insurance agent Kelly Lee Insurance.  They are than willing to have a no-obligation discussion about the protection this type of insurance affords your clients.  

If Kelly Lee Insurance is your agent for auto, life, business, and/or home, then you know about the top-notch service their local staff provides on a daily basis.  They are ready and willing to help make your business decisions and operations are sure as possible.

On Monday, March 4, 2019, major drugmaker Eli Lilly announced that they would begin selling an authorized generic version of their top-selling insulin, Humalog 100, for half the cost. A vial of Humalog 100 costs $275, while a vial of the generic version, Insulin Lispro, will cost $137.35 per vial. 

The company said their new product—which will be offered in both vial and pen options—will be sold through their subsidiary ImClone Systems in pharmacies as soon as possible, according to the company’s statement. Eli Lilly will continue to offer its name-brand insulin to insurers and employers while making its generic version available to patients who pay for the medicine out-of-pocket.

What’s the difference between the two drugs?
A misconception that is common among consumers is that a generic medication is inferior to a brand name medication. In actuality, a generic drug is identical to a name-brand drug in safety, form, dosaage, strength, route of administration, quality, performance characteristics and intended use. In addition, any generic medication approved by the Food and Drug Administration (FDA) must pass the same stringent standards as brand name drugs.

This action is one of the latest by a major drugmaker to offer lower-priced versions of popular drugs. However, Eli Lilly’s announcement is considered by the many Americans to be a step in the right direction when it comes to pricing of medications needed to manage chronic conditions. 
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What’s next?
Eli Lilly’s generic insulin offering announcement comes almost one week after top drugmaker CEOs were called before the Senate to undergo questioning about the rising costs of drug prices. While there is a long way to go to fix skyrocketing drug prices, this most recent announcement demonstrates a step in the right direction.

Lake Charles remains a close-knit community despite its surging growth. Part of being in community for many involves attending local church services. On a recent Sunday morning, as announcements were made to the congregation of a medium-sized local church, three deaths were mentioned so the faith community could pay respects and offer prayers of comfort.

A 69-year-old gentleman had passed after a brief battle with cancer. A 32-year-old man had succumbed to injuries from an accident and a 92-year-old woman left her earthly life due to natural causes.  All very different in stages of life, age, and family status. Yet death came; as it will for all of us.
 
Death is not something we like to talk about.  It reminds us of our humanness and that all of us will face the loss of loved ones and our own mortality someday.  Grief is a part of life and experienced by those who suffer the loss of beloved friends and family members.
 
The widely recognized stages of grief include denial, anger, bargaining, depression, and acceptance.  Individuals go through the stages at different paces and degrees of emotion.  One of the best things you can do for those you leave behind is purchasing a life insurance policy.
 
At the very least, a life insurance policy that will cover burial expenses can ease some of the stages of grief that your loved ones will experience.  Having life insurance for yourself is a wonderful gift you can leave your loved ones.  It is a way to make certain you receive the burial you desired to celebrate your earthly life.  Another way you can aid yourself through the grief that you will experience when you lose a loved one is to have the peace of mind in knowing they are properly insured. 
 
Parents of adult children might consider keeping policies on them in the event that they have not planned appropriately.  Making certain that your elderly parents have the amount of insurance needed at this stage in their lives is also important to aid the transition that you will experience when they die.
 
There are many ways to protect the ones you love from financial hardship associated with the loss of your life.  Sit down for a frank and informative conversation with a local Lake Charles Kelly Lee insurance agent. 
 
These professionals are long-standing community members who care about their neighbors.  They will explain the difference between term-life insurance and permanent life insurance.
 
Having the patience and understanding to answer your questions about life insurance regardless of what they may be is a customer service feature that not all insurance companies can offer.  A no-obligation meeting can be made so you can have insurance explained to you.

Whether you already have life insurance policies in place or this is the first time you will explore what you and your family needs are when it comes to facing the expenses associated with your death, Kelly Lee Insurance agents are confidential, friendly, and willing to guide you through this topic.  Make certain your loved ones are provided for when your time comes and lessen their grief, call Kelly Lee today.

Life insurance is for those you love.  Life insurance is for those you leave behind. When we think about love, death usually doesn’t enter the picture. Those we love make our life worth living. But, don’t the people you love deserve financial stability should something happen to you?

Life insurance is not the easiest topic to deal with due to two primary reasons:  people fear death and people fear things they do not understand.  Fear many times causes us to freeze and do nothing.  

Whether you fear it or not, death is inevitable.  Everyone’s life comes to an end and depending on the age and stage of life you are in, your life insurance needs change.

If you fear information overload, being overly or under insured, and having to read through complicated policies with terms you don’t understand, you can put that fear to rest.

The Lake Charles office of Kelly Lee Insurance has home-town neighbors and peers that understand your fears.  They are in business to serve individuals in both Lake Area communities and can write policies throughout the State of Louisiana. They are committed to making things easy to understand when explaining life insurance, or any other type of insurance.

Finding life insurance coverage you need at a price you can afford is another specialty of this independent agency. Being able to utilize at least 50 independent insurance carriers enables Kelly Lee Insurance the ability to find the best fit for your needs and budget.

In the event of your death, you want the one you love, the ones you leave behind, to know they have financial stability during and after one of the most difficult periods of their lives. 

If you protect those you love from the addition of financial hardship associated with their loss, their grief can be lessened by this act of love.  Finding out the best way to provide for your family in the event of your death is a way to show your loved ones how much you care.

Imagine taking just a few minutes to get a quote on life insurance over the internet by using Kelly Lee’s quick quote option.  Designed for those who are in a bit of a hurry and know what they need by way of policy and product.  If you are willing to spend a little more time, make a no-hassle, no-pressure appointment where you can have a frank conversation about your life, family, needs, and expectations.
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At this no obligation meeting, you will learn the difference between Term Life Insurance and Permanent Life Insurance.  You may find out that being overly insured in some areas is costing you money and how being under insured could harm your loved ones when your time comes.
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This month, show your love with gifts of flowers, candy, romantic dinners, and possibly, the most meaningful gift of all, life insurance that will provide for those you love when you leave them.

Another year begins and when you run a business or organization that means you are looking at expenses from last year.  Accounting for your expenditures last year and getting your tax information together for the year end shows you where your money went and will go in the future. As a business owner or leader, you are constantly planning and strategizing wise spending to keep your business or organization productive and fluid. 
 
Did something happen in your organization or to your business last year that took you a while to recover from?  If something were to happen to your building that houses the equipment, inventory, and capital investments, could you replace or repair with the current commercial property insurance policy you hold?  Do you have business insurance and a worker’s compensation plan for your Lake Charles business?  If something were to happen to your business that is covered by commercial business insurance, do you now you could get back to business as soon as possible because of the coverage you selected?
 
Regardless of the answers to the above questions, you need to shop the best rate for your commercial business or organization coverage.  You want to speak to and get information from a local insurance firm that can cover businesses throughout the state of Louisiana.
 
Whether a small, medium, or large business owner, you want to be treated with respect and given adequate time and options that allow you to explore the questions about the way your policy for commercial property insurance is written especially if this is the first time you our looking at commercial lines of insurance.  If this isn’t your first rodeo and you believe you can get a better rate for adequate coverage to repair and replace your building and contents for a covered loss event, you want the convenience of an electronic quote so you can maintain the rapid pace at which you have to move to keep your business running.
 
Any business needs commercial property insurance and whether you run a farm, build new structures as a contractor, or have a local mom and pop shop that sells art, shoes, or food, you want to look at commercial business coverage to keep you going in the event of a covered loss. Separate policies for worker’s compensation insurance and commercial property insurance can be obtained as well as business owner policies that combine coverage to allow you to get the best rate.
 
Locally Kelly Lee Insurance would welcome the opportunity to sit down with you and find out about the business you run or own and shop the best rate for commercial coverage for your business or organization.  In a hurry and need a quick quote?  Kelly Lee Insurance Firm offers a quick, no-hassle on-line quote.
 
Able to write insurance policies for all of Louisiana means that your multi-location operation need look no further than the Lake Charles insurance firm Kelly Lee.  Commercial Lines of insurance written include Business Auto & Commercial Truck coverage, General Liability Policies, Business Owner Policies, and Worker’s Compensation Coverage.  Find the best rate to protect your investment and inventory with a proven, engaged, and service-oriented insurance firm, call Kelly Lee today for a free quote.