Farmers Cares, by Paul Quinn


Sudden accidental loss vs. continuous leaks, coverage for broken water pipes

Hi Paul, I have home owners insurance. Will it cover broken water pipes under my house?

Thanks for the question. Ensuing damage from broken water pipes may be covered depending on which policy you have. The damage to the pipes is usually excluded. Again, depending on the policy, the damage the water causes may be covered as long as the loss is sudden and accidental, and, if during the winter, you have done all you can to maintain heat in the home. Continuous leaks are typically excluded under most policies. If you have experienced a loss, please turn this in to your carrier immediately.

Pipe losses, left alone, can cause significant damage.


Uninsured antique car crushed by a tree, is this covered under homeowners?

Hi Paul, I had an uninsured 1965 mustang parked in front of an outbuilding at my mothers house and a huge tree fell damaging the building and crushing the car. Will her homeowner policy cover the car?

Great question. Under most policy forms this loss is only covered if your mother was negligent. Normally tree losses are not caused by the negligence of the home owner. But if you are unsure, ask your mother to turn the claim in to her carrier for consideration. Thanks for asking.

Winter Storm Power Outage Checklist


As freezing weather continues to impact residents throughout the eastern U.S., the Insurance Institute for Business & Home Safety (IBHS) urges property owners to prepare for possible power outages with the following safety checklists.



  • Maintain at least a 36-inch clearance between the stove and combustible materials, such as furniture and clothing.

  • Prior to using the stove, place a layer of sand or firebrick in the bottom of the firebox.


  • Maintain a 36-inch clearance between the heater and combustible materials, such as bedding, furniture, wall coverings or other flammable items.

  • Do not leave a heater unattended.

  • Electric heaters should be inspected prior to use. Check the cord for fraying, cracking and look for broken wires or signs of overheating in the device itself.

  • Use only heavy-duty extension cords marked with a No. 14 gauge or larger wire.

  • If the heater plug has a grounding prong, use only a grounding (three wire) extension cord.

  • Never run the heater cord (or any cord) under rugs or carpeting.

  • Liquid Fuel-Powered Devices (kerosene or oil heat)

  • Never use gasoline or any other substitute fuel.

  • Allow the heater to cool down prior to refueling.


  • Regular cleaning will keep the fireplace free of obstructions and creosote. If you haven’t had maintenance performed recently, use caution when operating the fireplace and never leave it unattended.

  • Make sure the damper is open.

  • Before use, inspect the chimney and fireplace area for debris and animals that could have taken up residence.

  • Maintain proper clearance around the fireplace and keep it clear of combustible materials such as books, newspapers and furniture.

  • Always close the screen when in use.

  • Keep glass doors open during the fire.

  • Use a fireplace grate.

  • Never burn garbage, rolled newspapers, charcoal or plastic in the fireplace.

  • Avoid using gasoline or any liquid accelerant.

  • Clean out ashes from previous fires and store them in a noncombustible container with a tight-fitting lid. Keep the container outside and away from the house.

  • Make sure the fire is completely out before closing the damper.


  • Adjust the millivolt output.

  • Keep glowing embers and logs clean.

  • Inspect and clean air circulation passages and fan.

  • Clean glass as needed. Avoid obstructing vents.



  • Portable generators are less expensive to purchase and install than permanent (standby) generators. Without a supplemental fuel supply, they have a relatively short run time and may need to be refueled several times a day during a prolonged power outage.

  • Most portable generators are designed to work with a few appliances or pieces of electrical equipment that may be plugged directly into the generator without the use of a generator transfer switch.

  • This type of generator could be especially useful, but it isn’t recommended if you are operating sensitive equipment or have numerous large appliances or business machines.

  • When using a portable generator, you also will have to purchase an electric power cord to feed the electrical equipment.

  • This should be a heavy-duty outdoor-rated extension cord sized for the total electrical load (voltage and amps) you may need.

  • Choose a cord that exceeds the total expected load in order to prevent excessive heat buildup and degradation of the power cord.

  • Ensure that the cord has three prongs and has no splits, cuts or holes in the external insulation covering.

  • An overloaded power cord can potentially start a fire.


  • Carbon monoxide (CO) poisoning from engine exhaust is a common and serious danger that can result in death if generators are used improperly, in particular, if the fuel is not burned completely.

  • Because CO is invisible and odorless, business and/or building owners should install a CO detector to warn of rising CO levels, and test it monthly.

  • Never use generators indoors or outside near windows, vents, or air intakes that could allow CO to come indoors.

  • Maintain plenty of air flow space around the generator.

  • When using an emergency electric power generator, get fresh air immediately if you begin to feel flu like symptoms, sick, dizzy or light headed.

  • Carefully follow all instructions on properly “grounding” the generator.

  • Keep the generator dry. If needed, operate portable generators under an open canopy type structure. Short circuits may occur in wet conditions resulting in the generator catching fire.


  • Store fuel in an approved storage container or holding tank designed for such use, and only use fuel that is recommended in the owner’s manual. Never store fuel indoors.

  • Do not keep fuel near the electric generator while the electric generator is in use, as it could start a fire.

  • Never refuel while the generator is running, and always keep a fully charged fire extinguisher located nearby.

  • Keep cords out of the way to avoid injury, but in plain view to allow for visual inspections of any damage, such as fraying or cuts, that could result in a fire.


  • Do not “back feed” power into your electrical system by plugging the generator into a wall outlet. Back feeding will put you and potentially others, including utility line workers, at serious risk because the utility transformer can increase the low voltage from the generator to thousands of volts. Some states have laws that make the generator owner responsible for taking steps to make sure that the generator’s electricity cannot feed back into the power lines, and for notifying the local utility of the location of any commercial, industrial, or residential generator.

  • The exterior portions of a generator, even those operated for only a short period of time, can become hot. Avoid touching the generator without protective gear and keep debris clear to avoid a fire.

So with all the severe weather this winter, it is most important that you follow the above safety tips to prevent damage to your home or risk the safety of you and your loved ones.


Police Report Needed for Parking Lot Hit and Run?

Hi Paul, I came out of a restaurant and found that someone had hit my parked car and did not leave their information. Can I claim this on my insurance and do I need a police report?

Thanks for your question. Yes you can make a collision claim, subject to your deductible. Unless someone can ID the hit and run driver, you will not need a police report for insurance purposes. I do not know if your local community requires you to report the accident, but for this type of collision claim you will not.

Why Car Thieves Call This “Puffer” Season

I originally wrote this blog post a few years ago, but as bitter cold temperatures continue to plague the U.S. this winter, the issue of “Puffer” car thieves is becoming more prominent as featured on the Today Show earlier this week…

Colorado law enforcement agencies warn against cold weather auto theft in an article titled “Car Thieves Celebrate “Puffer Season!” Puffer refers to a car which has been left running in cold weather as indicated by the visible vapors coming out of its tailpipe. This article is a good reminder that if we leave our cars running to warm up, it allows nothing but opportunity for thieves.

The article also indicates that a recent survey of drivers conducted by the National Insurance Crime Bureau and LoJack found:

  • One-third admit they have left their car while it was running
  • 47% don’t always park in a well-lit area
  • 40% don’t hide their valuables. In fact, nearly half leave mail in their vehicle, a quarter have left a purse or wallet, and almost a third have left bank statements, all of which can put them at risk for identity theft

The article then gives these common sense tips:

  • Park in well-lit areas
  • Be aware of your surroundings
  • Report anything suspicious and avoid suspicious looking people
  • Lock your doors
  • Close your windows completely
  • Take your keys out of the car
  • Never leave your car running unattended – not even for a minute
  • Remove all items from the car or hide them from view

Now that the holidays are over and we are back to our regular routine, it is still important to be on our guard. You don’t want to start  2015 with a stolen car.

Picture credit:

Identify Flood Risks When Snow & Ice Melt


When temperatures rapidly increase, so does the rate at which snow and ice melt. This can be a serious problem for areas that have received large amounts of snow and ice throughout this severe winter season. Frozen soil also increases the risk of flood as water from melting snow and ice is not able to seep into the ground.

The above infographic from the Insurance Institute for Business & Home Safety (IBHS) gives tips on how to prevent home damage from melting snow and ice.

Also, if area flooding is imminent, you must follow the instructions of local emergency officials and especially obey all evacuation orders from local authorities.

Winter Storm Hits Northeast: Driving Emergency Tips

The northeast is being slammed by Winter Storm Juno. If you have to drive, it is important to stay safe. The following are tips for a winter survival kit for your car and what to do if your car gets stranded. These tips are provided by Foremost Insurance Company, a member of the Farmers Insurance Group.

All drivers should carry a survival kit in their car that contains:

  • Cell phone
  • Blankets/sleeping bags
  • Flashlight with extra batteries
  • Knife
  • High calorie, non-perishable food
  • A can and waterproof matches to melt snow for drinking water
  • Sand or non-clumping cat litter
  • Shovel
  • Windshield scraper
  • Tool kit
  • Tow rope
  • Jumper cables
  • Water container
  • Compass
  • Road maps
  • Extra winter clothes and boots

Also, try to keep the vehicle’s gas tank full in case the car gets stranded and to keep the fuel line from freezing. If the road is too snowy to see while driving:

  • Pull off the road and turn on the hazard lights.
  • Stay inside the vehicle. It is easy to become disoriented in the wind and snow. Do not set out on foot unless there is a building in sight where people can take shelter.
  • Run the motor about ten minutes each hour for heat.
  • Open the window a crack to avoid carbon monoxide poisoning.
  • Make sure the exhaust pipe is not blocked by snow.
  • Exercise frequently to keep blood circulating and to keep warm, but don’t overexert.
  • Huddle with other passengers and use coats or blankets to stay warm.
  • In extreme cold, use road maps, seat covers, floor mats, newspapers or extra clothing for covering — anything to provide additional insulation and warmth.
  • Be visible to rescuers by turning on the dome light at night (being careful to not wear down the battery), tying a distress flag (preferably red) to your antenna or window, and raising the hood to indicate trouble after snow stops falling.
  • If it is necessary to leave the vehicle and proceed on foot once the storm is over, follow the road if possible.
  • If it is necessary to walk across open country, use distant points as landmarks to help maintain a sense of direction.

With a little planning and know-how, it is possible to make this winter a safe and warm one for everyone.

Snow Roof Risks [Infographic]


As winter storms continue to plague various regions across the U.S. The above infographic by the Insurance Institute for Business & Home Safety (IBHS) reveals important facts about snow on your roof and the risks it presents.

For safe removal that won’t endanger you or damage your roof, use a snow rake with a long extension arm that will allow you to remove the snow while standing on the ground or hire a snow removal contractor.

I have also written a previous blog post on snow and ice and the strain it causes on your roof.


Planning for the Year Ahead: Review Your Insurance Policies

As the New Year is upon us and we are making resolutions, promise yourself to review your insurance policies so you know where you stand. Too often, we only look at our insurance policies when we first get them in the mail. For example, we forget to update our coverages when we remodel our homes, or when our children begin to drive. Not having a regular insurance checkup can lead to complications later on. So, while we are making other resolutions, let’s resolve to sit down with our agents and get an insurance check up.

At Farmers we call it a Farmers Friendly Review. A Farmers Friendly Review is our way of helping you design an insurance program to meet your ever-changing insurance needs. There may be events in your life, such as a change in marital status, the birth of a child or the purchase of a home that could affect your insurance coverage. So when you have your meeting, be sure to review:

  • The members of your family included on your auto insurance and make sure ages match.
  • The amount of your deductible/coverage in case of an accident (see previous post What Is a Deductible?)
  • Do you have rental car insurance, and for how much?
  • What perils are covered in your homeowners insurance?  Do you want to add flood or earthquake coverage, both of which are not covered under standard homeowners policies.
  • The amount of your deductible for your homeowners insurance.
  • Whether or not you need additional insurance for jewelry, guns or collections.

Also, be sure to talk to your professional insurance agent to understand the replacement cost of your home as this number often gets confused with the market value of your home. See this posting I wrote a year or so ago on the subject. Your insurance agent can help you determine your needs and assist you in making the best choices. One of my first posts was about the value of a personal agent.

So make an appointment today with your Farmers agent to talk about which options you feel are best for you.

Winter Weather Alerts: What do they mean?


With severe weather and temperatures this week in the U.S., it is a good reminder that we need to pay close attention to weather alerts.

The National Weather Service (NWS) issues winter weather watches, warnings, and advisories depending on the severity of an oncoming storm. But what exactly do these mean?

Winter Storm Watch

A winter storm watch is when severe winter weather conditions, such as heavy snow and/or ice, could affect your area, but when and where the storm will strike remains uncertain. A watch is typically issued 12 to 48 hours before the storm strikes, providing enough time for residents to begin making final adjustments.

Winter Storm Warning

A warning is an upgrade from a watch and is issued when heavy snow and/or freezing rain is imminent. A winter storm warning is issued 12 to 24 hours before the storm is expected to strike.

Winter Weather Advisories

A winter weather advisory is issued when an area is expected to be significantly impacted by winter weather. NWS notes that advisory situations should not become life-threatening if residents are cautious.

Blizzard Warning

If a blizzard warning is issued in your area, preparation is critical. This type of warning means that significant amounts of snow and strong winds will likely combine to produce blinding snow, deep drifts, and life-threatening wind chill.

To help you determine just how severe weather could be the next time a winter storm approaches, the Insurance Institute for Business & Home Safety (IBHS) urges everyone to read the information provided by NWS below. Afterwards, prepare your property for severe winter weather by using resources available at IBHS’ website.