107 Airport Rd. Westerly, RI 02891 (401) 596-0146 service@thorptrainer.com

Warranty & Maintenance vs Insurance

10th Annual Shred Day September 25

By: Lucas J. Arnold

Business Development Manager

Three of the worst words to hear as a policyholder are “that’s not covered.” With that in mind, we decided to compose a quick review of what a standard homeowner’s insurance policy is intended to cover, and what you, as the property owner, are responsible for.

A standard homeowner’s policy will extend coverage to your home and your personal belongings, should they be damaged by a destructive event, such as wind and fire. The policy is intended to cover unexpected events such as windstorms, fires, lightning strikes, and weight of snow. If your kitchen goes up in flames while you’re cooking Sunday dinner, the damage that is caused will be covered. If a tree falls on your roof, the damage will be covered. Perhaps lightning strikes and damages your chimney, covered.

With coverage, there are also misconceptions. For example, if your kitchen appliances flat out quit working on you, that’s a maintenance and warranty issue. Perhaps your roof has seen its last days and begins to leak. The damage the water creates will be covered, but the “wear and tear” due to the age of the roof, will likely not be covered.

Maybe you haven’t been in your attic in a while. The next time you go up there you notice termites and insect damage or perhaps rodent damage. These are maintenance issues and not generally covered by your homeowner’s policy.

If you would like to learn more about any of the above examples or have an entirely different coverage question, please call our office, and speak to one of our licensed agents.  Contact us at 596.0146.

TUSCAN SOUP WITH WHITE BEANS

Ingredients:
    • 1 bulb fennel
    • 2 bunches Tuscan kale or other dark leafy greens (Swiss chard, spinach, mustard greens)
    • 2 15 oz cans cannellini beans
    • 2 tablespoons olive oil
    • 2 28 oz cans diced tomatoes (San Marzano, if possible)
    • 4 cups vegetable broth (or canned broth)
    • 2 cups water
    • ½ teaspoon red pepper flakes
    • 1 teaspoon dried basil
    • ½ teaspoon smoked paprika
    • 1 teaspoon kosher salt
    • Pecorino cheese to garnish (optional)
    • 1.5 pounds crumbled, sauteed hot or sweet sausage (optional)
cranberry orange scones
Instructions:
  1. Chop the fennel bulb (reserve some sprigs for a garnish). Wash and roughly chop the kale. Drain and rinse the cannellini beans.
  2. In a large pot or Dutch oven, heat the olive oil over medium high heat, then sauté the fennel for 5 minutes.
  3. Add the canned tomatoes with their juices and simmer for 8 minutes.
  4. Add the vegetable broth, water, and cannellini beans. Bring to boil.
  5. Reduce to a simmer and add the red pepper flakes, dried basil, smoked paprika, and kosher salt.
  6. Add the kale and simmer until tender, about 5 minutes. Serve garnished with grated Pecorino cheese and fennel sprigs.

Happy Labor Day!

Happy Labor Day!
All of us at Thorp & Trainer wish you and your family a very happy and safe Labor Day weekend

Our office will be closed on Monday, September 6, in observance of the holiday. Should you require assistance during this time, please call 401.596.0146 to access our emergency mailbox and someone will respond to your request.

Are You Storm-Ready?

storm ready checklist
Living in Southern New England, we experience our fair share of extreme weather conditions. From damaging hurricanes to blizzards, it is important to be prepared for whatever Mother Nature throws our way. At Thorp & Trainer, we want to make sure you are prepared in the event of a weather emergency. It is a good idea to maintain an emergency supply kit to ensure that you and your loved ones can weather the storm.

Please see below for a list of what to include in a basic emergency supply kit:

  • Water, one gallon per person per day for at least three days
  • A three-day supply of non-perishable food (canned foods, peanut butter, baby food, etc.)
  • Paper plates, plastic or paper cups, and plastic utensils
  • Manual can opener
  • Battery-operated radio, preferable a NOAA Weather Radio with tone alert and extra batteries
  • Flashlight and extra batteries
  • First aid kit complete with prescription and over the counter medicines, bandages and gauze, antiseptics, etc.
  • Whistle to signal for help
  • Bedding including sheets, blankets and pillows
  • Clothing
  • Dust masks to help filter contaminated air
  • Plastic sheeting, garbage bags and duct tape
  • Wrench or pliers to turn off utilities if warranted or requested
  • Local maps
  • Infant formula and diapers if needed
  • Pet supplies including food and water, leash or pet carrier
  • Hygiene items such as toilet paper
  • Important family documents such as copies of insurance policies, identification and bank account information and home inventory analysis in a waterproof bag or plastic container
  • Cash
  • Fire extinguisher
  • Matches in a waterproof container
  • Books, games, puzzles or other activities for children

For additional ways to make sure your family, property and business are safeguarded from loss, call your Thorp & Trainer account manager at 596.0146.

Mortgage Companies and Property Insurance

 

If you are planning on any of the below, it is IMPERATIVE that you let us know. PLEASE call our office and speak to your account manager at 401.596.0146 if any of the following apply:
  • Refinancing
  • Mortgage sold
  • Insurance premium escrowed
  • New homeowner
  • Mortgage paid off
If you refinance, your insurance policy must be amended to reflect the correct mortgage company as well as premium payor. 
If your current mortgage company changes, your insurance policy must be amended.
New homeowners frequently pay the full annual premium as required at closing and escrow insurance going forward. The premium payor on your policy must be correct.
Congrats on paying your mortgage off. Please let us know to remove the mortgage company from your insurance policy.

    If the premium payor and mortgage company are incorrect upon renewal of your policy, coverage may be disrupted due to nonpayment.

    In the event of a loss, an incorrect mortgage listed on the policy, may cause a delay in claim payments.

    Our Annual Shred Day is Back

    10th Annual Shred Day September 25

    The public is invited to bring 2 boxes of old statements, legal records and other sensitive documents to be shredded. No magazines or phone books please.

    This event helps to highlight the importance of taking appropriate steps to prevent identity theft, and that starts with properly discarding your vital documents. Besides having your privacy violated, victims of this crime have also seen their credit scores decimated and some spend years trying to repair it. 

    We hope you can join us! This event is FREE!

    Need to add a driver to your Business Auto Policy? Have them provide you a copy of their Motor Vehicle Report (MVR) first!

    Did you know that you can hop online with the DMV and obtain a copy of an MVR? That’s right! With just a few clicks, your potential employee can show you proof that they have a good driving record. 

    Here are the links below for RI and CT, the cost is approximately $20.

    RI: https://www.ri.gov/DMV/statuscheck/ 

    CT: https://portal.ct.gov/DMV/DMV-Services/Request-Driving-History 

    *This is not limited to business auto policies or employers.  Anyone can hop online with the DMV and retrieve their MVR.

    Protect Your Special Automobile with Specialized Insurance 

    While owning an older vehicle may seem like a chore to some, others find classic automobiles to be a treasure! These vehicles would not be considered your everyday mode of transportation but more of a rewarding hobby.  

    Whether it’s a 1930 Ford Model A, 1966 Chevrolet Camaro or a 1988 Porsche 911, a personal automobile insurance policy will likely not give you the types and limits of coverage that you need. These include but are not limited to:

    • Agreed Value
    • Collision Coverage
    • Comprehensive Coverage
    • Spare Parts Coverage 
    • Flexible (or $0) Deductible

    You may wonder who would write such a policy. Luckily, Thorp & Trainer has multiple companies i.e., Hagerty, JC Taylor and Condon & Skelly who specialize in providing insurance for Antique, Classic or Collector automobiles. Each company has specific guidelines, such as:   

    • Number of Miles Driven Annually
    • Where the Vehicle is Stored
    • Usage of the Vehicle
    • Age and Condition of the Vehicle

    Our Account Managers are knowledgeable and will secure the proper coverage with the best company for your unique needs. 

    Give Thorp & Trainer a call today at 401.596.0146 to obtain an in-depth, competitive quote!  

      Happy Victory Day!

      hand holding American flags

      All of us at Thorp & Trainer wish you and your family a very happy and safe Victory Day. Our office will be closed on Monday, August 9th, in observance of the holiday. Should you require assistance during this time, please call 401.596.0146 to access our emergency mailbox and someone will respond to your request.

      Join Us for Our 10th Annual Shred Day

      10th Annual Shred Day September 25
      The public is invited to bring 2 boxes of old statements, legal records and other sensitive documents to be shredded. No magazines or phone books please.
      This event helps to highlight the importance of taking appropriate steps to prevent identity theft, and that starts with properly discarding your vital documents. Besides having your privacy violated, victims of this crime have also seen their credit scores decimated and some spend years trying to repair it. 
      We hope you can join us! This event is FREE!

      Parents are the Key to Safe Teen Drivers

      Parent-Teen Driving Agreement

      Having regular conversations about safety, practicing driving together, and leading by example go a long way in ensuring your teen makes smart decisions when they get behind the wheel.
      But there’s another simple step you can take to get on the same page about your family’s rules of the road. Create a ParentTeen Driving Agreement that puts your rules in writing to clearly set expectations and limits. Work with your teen to outline hazards to avoid and consequences for breaking rules. Keep it on the fridge and update it as your teen gains experience and more driving privileges.
      Parent-Teen Driving Agreement is available through the CDC.
      DRIVER INEXPERIENCE
      • Crash risk is highest in the first year a teen has their license. Provide at least 30 to 50 hours of supervised driving practice over at least six months.Practice on a variety of roads, at different times of day, and in varied weather and traffic conditions.
      • Stress the importance of continually scanning for potential hazards including other vehicles, bicyclists, and pedestrians.
      TEEN PASSENGERS
      • Crash risk goes up when teens drive with other teens in the car.
      • Follow your state’s Graduated Driver Licensing system for passenger restrictions. If your state doesn’t have such a rule, limit the number of teen passengers your teen can have to zero or one.
      • Keep this rule for at least the first six months that your teen is driving.
      NIGHTTIME DRIVING
      • For all ages, fatal crashes are more likely to occur at night; but the risk is higher for teens.
      • Make sure your teen is off the road by 9 or 10 p.m. for at least the first six months of licensed driving.
      • Practice nighttime driving with your teen when you think they are ready.
      NOT USING SEAT BELTS
      • The simplest way to prevent car crash deaths is to buckle up.
      • Require your teen to wear a seat belt on every trip. This simple step can reduce your teen’s risk of dying or being badly injured in a crash by about half.
      teen driver

      In 2019, about 7 teens aged 13 – 19 died every day in motor vehicle crashes. But injuries and deaths are preventable. At Thorp & Trainer Insurance, we want to help you make sure your young driver is aware of the leading causes of teen crashes. Then, we advise to implement a parent-teen driving agreement to put rules in place that will help your teen stay safe