Insurance Terms Made Easy: Subrogation

Watch this video to learn about Subrogation. For more information about insurance visit our website Scott Lynch Agency

Insurance Terms Made Easy: Subrogation

Insurance Terms Made Easy Subrogation

Marion County fireworks ordinance to take effect

Marion County fireworks ordinance to take effect

Chris Bavender from Indianapolis Metropolitan Police Department · 15 Jun 16

Indianapolis – The Indianapolis Metropolitan Police Department Homeland Security Bureau reminds Marion County residents that the Marion County fireworks ordinance will be in effect starting June 28.

Hours for fireworks use on and around July 4 in Marion County are:

• 5 p.m. until two hours after sunset June 28 through July 3
• 10 a.m. to midnight on July 4
• 5 p.m. until two hours after sunset July 5 through July 9

Under Indiana law, you must be at least 18-years-old to buy fireworks and someone who is 18 or older must be present when fireworks are being set off.

If you are not lighting fireworks on your own property, make sure you have permission from the person who lives there.

Violations of the ordinance are subject to the following fines:

• A $100 fine for the first offense in any 12 month period
• A minimum of $500 for the second offense in any 12 month period
• Up to $2,500 for the third and subsequent offenses in any 12 month period

The complete Indianapolis/Marion County ordinance concerning fireworks is available at http://bit.ly/28FiFEK

The Good, the Bad and the Ugly of Direct Gas Grill Lines

by Nancy Daniel on May 23, 2017

When my husband and I first decided to go with a natural gas grill that hooked up directly to our home gas system, we were thrilled to say farewell to propane canisters and the hassle of refilling them. But a 600° overnight mistake has me wondering if it was such a great idea.

We had family visiting and,after enjoying a delicious steak dinner, my husband, the grill master, failed to turn off the grill. This was after he had turned it up to high to burn off the steak remnants left on the grill.

The next morning as we readied for a day of boating, my sister-in-law went outside to retrieve something and made the discovery. The grill was so hot the siding on our house behind it was melting.

I shudder to think what might have happened if she hadn’t gone out there and we had left the grill on all day long . We might have had a serious fire with our pet dog and cat at home to face it alone. So, what are the pros and cons of connecting a grill to your natural gas line?

Advantages of natural gas grilling

  • You’ll never run out of fuel — even during your biggest barbecue (unless you forget to pay the gas company).
  • Natural gas is less expensive than propane.
  • You no longer have to lug heavy propane tanks back and forth for filling.
  • Natural gas is classified as a greenhouse gas, so it’s environmentally friendly.

Disadvantages of natural gas grilling

  • The location of your grill is fixed, so you won’t be able to move it.
  • Professional installation is required, and the initial cost of the gas plumbing can be expensive.
  • Natural gas grills are more expensive than propane grills.

What to know before you go for it

If you decide to go with a natural gas grill connected to your home gas system, there are some things you should know before you make your grill purchase.

First, natural gas grills and propane grills are not the same thing, so be sure to shop for the right type.

Some areas require a permit. If you live in a community that has a homeowners’ association, certain types of grills may be subject to restrictions. So you’ll want to check on these things.  Hopefully your locale only requires that you install a quick connect shut-off valve at the house.

Speaking of the installation, there are a couple of different methods of hooking up your grill to the gas line. The safest is with a gas plug safety quick disconnect.  Your best bet is to hire a natural gas plumber to do this for you.

Time to (safely) fire up the grill

According to the 27th annual Weber GrillWatchTM Survey, 75 percent of Americans will fire up the grill for a Memorial Day cookout this year. Regardless of your fuel source, be sure to follow these grill safety tips from the National Fire Protection Association:

  • Only grill outdoors—don’t move the grill into the garage or on the porch when it rains.
  • Position the grill well away from the house and deck railings and out from under eaves.
  • Keep children and pets away from the grill area.
  • Keep your grill clean, removing grease buildup from the grills and the trays below.
  • Never leave a hot grill unattended.
  • Turn off the supply of gas to the grill when it’s not in use.

And one final safety tip, learned the (almost) hard way: Be sure your home’s grill master turns the grill off before presenting his or her delicious char-grilled fare!

Original Article: The Good, the Bad and the Ugly of Direct Gas Grill Lines

This story was originally published on August 24, 2016. It was updated with new information.

Seriously good insurance

For seriously good insurance for your business or personal needs, call us at (317) 420-2867 or visit our webpage Scott Lynch Agency.

 

How to Get Luxury Windows at a Fraction of the Cost | Erie Insurance

Luxury windows are typically an addition people cannot afford early on in their life as a homeowner. Replacing an entire home’s worth of windows with high-quality windows is an investment, often requiring many years of saving.

But you don’t have to wait. There are a number of ways homeowners can update their windows with a luxurious look without having to take out a loan or spend thousands of dollars to get the desired look. Here are a few easy steps to take to update your windows and save your wallet.

Insert grids

Adding grids into your windows give them a dimensional, higher quality look. But you don’t have to replace the entire window anymore if your windows didn’t come with grids. Once you decide on what style of window grid you want (and there are several options), you can purchase custom-made inserts or even make them yourself.

To DIY, measure the layout of the window and then measure out the pattern for the grids you wish to insert. Assemble the necessary tools and supplies. You can cut thin strips of PVC into grids with a simple miter saw. Once the strips are cut to length, apply double-sided adhesive and lay the grids out across the window panes. Not only will this dress up your existing windows, it will give them a classic look both inside and out.

Install shades

Adding window shades can benefit your windows twofold. First, they can help to insulate the windows and the living space from extreme shifts in temperature and help slow furniture fading from sunlight in the home. Second, they can add a smooth, clean, updated look to the window at a fraction of the cost of installing all new windows.

Window shades come in a variety of options that can add a luxurious look to your old windows: Roman shades, woven wood shades, cellular shades and roller shades all provide an element of sleek sophistication and polish off the look of your windows. Available in a multitude of opacities, colors and prints, shades can be customized to fit the look of the décor in your home.

Upgrade the trim

Updating the trim work around the window is a bit more involved, but it can increase the look and value of your windows and is cheaper than replacing the entire window. Adding new wood, painting the frames, or updating the type of beveling in the trim itself can give the look of luxury. If you aren’t comfortable with carpentry, you may want to hire a contractor to take care of this update.

Any of these techniques can change the look of your windows without having to spend thousands to upgrade them. All of these changes together can improve the value of the home itself.

And make sure your home is adequately protected. Talk to an Erie Insurance Agent about homeowners coverage or to get a quote.

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Katie Laird is the director of Social Marketing for Blinds.com and a passionate home decorator. She has a love of all things Mid-Century Modern and blue. Blinds.com carries a wide selection of window shades to help keep privacy in your home.

 

Source: How to Get Luxury Windows at a Fraction of the Cost | Erie Insurance