Thursday, February 19, 2015

Join us at the Beach Bash for Winterfest 2015!

Lake Ozark Daybreak Rotary presents the 19th Annual Winterfest event next Saturday, February 28! Join Insure the Lake and other local businesses and people at Tan-Tar-A Resort for a "night in the sun" to benefit local charities. The beach opens at 5:30 PM, with the festivities starting at 6 PM. Don't miss out on the incredible music, friends and fun that this wonderful event will bring!

Winterfest 2015 Beach Bash


This event will have plenty of surprises and prizes. Ticket holders will be eligible for door prizes and the person dressed in the best beach attire will also receive a prize! Tan-Tar-A chefs will provide the food and beach drinks, including the popular Lake Water, will be available. Entertainment will be provided by the i-Berry's Band. The silent and live auctions will include items from vacation destinations with airfare to getaways at fine Lake restaurants. Proceeds from both the tickets and the auctions will go to benefit more than 30 local charities. Last year, Winterfest combined with the annual Muscle Car Giveaway, allowed Lake Ozark Daybreak Rotary to award $60,000 in grants to area organizations that serve those in need.

Lake Ozark Daybreak Rotary


Proudly serving the Lake of the Ozarks areas and surrounding communities, Lake Ozark Daybreak Rotary uses the caring and involved approach defined by Rotary International.  They are comprised of business people and community leaders and they offer opportunities for hands on involvement in improving our community and the world. The club meets at First Family Church each Friday morning. A breakfast buffet catered by Hy-Vee is available at 7 AM, with the meeting starting at 7:30 AM and ending promptly at 8:30 AM.

Rotary International is the world's first service club organization, with more than 1.2 million members in 33.000 clubs worldwide. Rotary club members are volunteers who work locally, regionally and internationally to combat hunger, improve health and sanitation, provide education and job training, promote peace and eradicate polio under the motto Service Above Self.

Join your Lake of the Ozarks insurance agent, Steve Naught and the rest of the Daybreak Rotarians at the 2015 Winterfest Beach Bash! Steve Naught likes to keep involved in the community. Steve and the rest of the staff at the Naught-Naught Agency consider it a privilege to support the good work and events that take place in our communities. We appreciate the opportunity to serve the greater good alongside our customers, employees and the involved citizens of each community we serve.

Contact Insure the Lake today for all your Lake of the Ozarks car insurance needs! 



About the Author: Steve is a double back-flip insurance ninja. He was named Young Insurance Agent of the Year by the Missouri Association of Insurance Agents in 2010 and is a Certified Insurance Counselor. When he is not helping customers, he enjoys community service, Latin dancing with his beautiful wife and going on adventures with his two awesome sons.





Steve Naught, CIC

NAUGHT-NAUGHT AGENCY
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral

T: 573-348-2794
F: 573-348-0191


stnaught@naught-naught.com

Thursday, February 12, 2015

Precautions for Night Driving

Although we have been having a relatively mild Winter, with some 60 degree days this past weekend, the season still brings longer nights. The sun sets earlier and for many of us, it's already dark when we leave the office for home. This can mean increased danger on the roads.

While you may think you drive just as well at night as you do during the day, consider the following statistics: According to the National Safety Commission (NCS), even though nighttime driving accounts for just 23% of vehicle miles traveled, more than 50% of fatalities for vehicle occupants 16 and older occur between the hours of 6 PM and 6 AM. At Insure the Lake, we are advocates for safety and thought to address the issues with night driving and steps you can take to make driving at night less dangerous.

What's Dangerous About Night Driving? 


1. Decreased Visibility - Different parts of the eye work differently at night. Your peripheral vision is actually slightly improved, however it is more difficult to focus on objects directly ahead of you. Traveling between well-lit areas and darker roads also creates issues because your eyes have to re-adjust.

2. Driving Too Fast For Your Headlights - Depending on your vehicle speed and the headlight setting, many people actually "over-drive" their headlights. That means that by the time they see something on the road, it's too late to stop in time to avoid it.

3. Impaired Judgement - Whether due to drowsiness or the use of alcohol or drugs, it appears that drivers at night often don't use good judgement. According the the NSC, 66% of fatalities at night involve vehicle occupants who were not wearing seat belts.

How Can You Decrease the Danger? 

Occasionally, you'll have to drive at night; sometimes there's just no way around it. Here are some tips to help you make a safe trip. Whether you're just running across town to the store or across the country on a road trip, these tips can help you decrease the chances of getting into an accident. 

1. Make Sure Headlights Are Working - First, make sure not only your headlights, but also your taillights, turn signals, etc. are all in proper working condition. You should clean them once a week to make sure the optimal amount of light is coming through. You'll also want to make sure they are properly aimed. Misaimed headlights blind other drivers and reduce your ability to see the road. 

2. Clean Your Windows - Be sure to clean all of your windows, inside and out. Dirty windows make it harder to see out of and can create glares when oncoming headlights or street lights hit the windows. 

3. Avoid Speeding - Slow down and be sure to keep extra room between you and the cars in front of you. Allow yourself more time than you would during the day for the same trip. In addition, be sure to keep your headlights on low beam when following another vehicle so you don't blind the driver ahead of you. You can avoid glare from oncoming traffic yourself by focusing on the right edge of the road and using it as a steering guide. 

4. Be More Aware of Surroundings - While you shouldn't be using your phone, messing with the radio dial or trying to find something on the floor or backseat while your driving, these distractions are even more deadly at night. 

5. Avoid Drugs and Alcohol - Don't drink and drive or consume any medications that warn about operating a motor vehicle while taking them. You should also avoid smoking when you drive. The nicotine mixed with carbon monoxide can hinder night vision. 

6. Stay Awake - Make frequent stops for a light snack and exercise, especially if you are making a long trip. You should also keep the car temperature cooler and can even play some music to help keep you awake on long, night trips. 

Your Lake of the Ozarks insurance agent hopes you stay safe on the roads. If you do happen to get in accident, you want to make sure you have the proper insurance coverage. Contact the best insurance company at the Lake of the Ozarks at 573-348-2794 for a quote. We are independent and not tied to a single insurance provider, therefore we can give you more options without sacrificing the service!

Contact Insure the Lake today for all your Lake of the Ozarks car insurance needs! 



About the Author: Steve is a double back-flip insurance ninja. He was named Young Insurance Agent of the Year by the Missouri Association of Insurance Agents in 2010 and is a Certified Insurance Counselor. When he is not helping customers, he enjoys community service, Latin dancing with his beautiful wife and going on adventures with his two awesome sons.





Steve Naught, CIC

NAUGHT-NAUGHT AGENCY
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral

T: 573-348-2794
F: 573-348-0191


stnaught@naught-naught.com

Friday, February 6, 2015

Protect Your Home from Water Damage

Homeownership comes with plenty of challenges. Insure the Lake is here to help you decrease the number of things you need to worry about. Keeping on top of potential water problems can end up saving you buckets of money! Regular home maintenance can help you uncover these problems before they start. Take a moment to learn these easy ways to prevent small leaks from turning into major disasters from Safeco.com.

Become a Drip Detective


Don't be fooled into thinking a minor leak is a minor problem. Even the smallest leaks can lead to costly water bills and result in major damage.

1. Turn Off the main water valve and then check the water meter outside of your home. If it is still moving, water is flowing somewhere and you need to investigate it. The average household's leaks can waste 10,000 gallons of water every year.

2. Check your water bill. A bigger water bill most likely means you have a leak. The average cost of claims due to water damage or freezing is $7,039. Water damage is the second-most frequently filed homeowner insurance claim.

3. Inspect your washer, dishwasher and other water-related appliances for worn or damaged hoses at least once a year.

4. Look all around the house. Water can get in from damaged roofs, seep in through wet foundations and appear where you least expect it. Don't forget about the outdoor irrigation systems too! An irrigation system leak no larger than the thickness of a dime can waste 6,300 gallons of water each month.

5. Understand where water damage can begin. The leading cause of water damage in the home is leaks and bursts. The most common reasons for these incidents are wear and tear over time, or that the water pressure is set too high, putting stress on the household plumbing.

What to Do After a Leak or Flood 


Think about it...there's water everywhere, in your walls, under your carpets and soaking into your belongings. Whether it was a burst pipe, a broken water heater or a flood that caused the excess water in your home, there are things you can do immediately to salvage belongings and limit the damage or loss.

1. Stop the Water - If water is coming from inside your home, shut off the main water valve immediately. It is a good idea to make sure everyone in your household knows where the shutoff valve is located before an event like this occurs.

2. Turn Off the Utilites - In a serious water event, turning off the power and natural gas might be a necessity to ensure the safety of yourself and the rest of your household. In the case of a minor water leak or drip, there probably is not a need to shut off the utilites.

3. Prevent Electrocution - Do not use any electrical appliances if your capter or flooring is wet. use a wet vacuum to remove water, but check the manufacturer's instructions before attempting the process.

4. Use Fans to Circulate Air - Encourage drying by strategically placing fans to effectively circulate air. This is especially important in the first 24-48 hours after an indoor flood occurs.

5. Get Water Out Quickly - Fast and safe action can prevent further damage, help you save your belongings and minimize the time and expense of repairs. Clean up as much water as possible by mopping or blotting with towels.

6. Move Property to a Dry Place - Move wet belongings and furniture to a dry area. Put furniture on blocks or at least slide a piece of aluminum foil under furniture legs to prevent the wood stain from bleeding into carpeting.

7. Remove Area Rugs - The dyes in carpets can stain flooring, carpeting and wood floors.

8. Do Not Lift Carpet - Carpets can shrink after they've become wet and are left out to dry. If you remove the tacks from wet wall-to-wall carpet, it will probably shrink after it dries out.

9. Wash Your Clothes - Clean your clothing, linens and other washables that have been soaked as soon as possible.

10. Wipe Excess Water from Furniture - Open drawers and cabinet doors to allow for faster drying. Spread out books to speed drying and prevent further damage.

11. Watch Out for Debris and Pests - If water is flowing in your house, there may be dislodged materials such as nails. If the flooding has occured naturally from water outside your home, snakes and other vermin may see shelter in your home, so beware!

12. File a Claim ASAP - The sooner you file a claim with your Lake of the Ozarks insurance agent, the better! We can help you get your home and life back to normal faster.

13. Don't Throw Anything Out - Don't throw out damaged belongings, especially expensive ones. A claims adjuster may need to inspect them. Make a thorough list of stuff that was water damaged as soon as you can. This will help your Lake of the Ozarks insurance company process your claim faster. It also helps if you document damage with photos and video.

14. Save Receipts - Save all your receipts from any rental equipment, temporary repairs or payments for professional services in realtion to the water damage you experienced.

Are You Covered? 


Talk to your insurance agent at the Lake of the Ozarks about water damage to make sure you have the right amount of coverage. You can do everything listed above to help prevent water damage to your home, but sometimes avoiding it completely just isn't possible. There are two types of policies that cover losses due to water damage: homeowners insurance and flood insurance. Each type of insurance provides distinct types of coverage; they compliment eachother. Most homeowner policies cover damage to your home caused by a sudden, accidental water event, such as a burst pipe, wind-driven rain or melting snow that seeps into your home after a winter storm. Poor home maintenance is generally not covered; things such as overfilled gutters, lack of roof upkeep, condensation buildup due to inadequate ventilation or ignored leaks. Flood damage however, is not covered under your homeowner policy, but it could be with a separate flood insurance policy.

Contact Insure the Lake today for all your Lake of the Ozarks homeowners insurance needs! 



About the Author: Steve is a double back-flip insurance ninja. He was named Young Insurance Agent of the Year by the Missouri Association of Insurance Agents in 2010 and is a Certified Insurance Counselor. When he is not helping customers, he enjoys community service, Latin dancing with his beautiful wife and going on adventures with his two awesome sons.





Steve Naught, CIC

NAUGHT-NAUGHT AGENCY
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral

T: 573-348-2794
F: 573-348-0191


stnaught@naught-naught.com