Marcy Clapper Insurance, Inc.

02/12/2026

My go to for those expensive watches, rings & jewels!!!!

Learn the risks of relying on homeowners or renters insurance for jewelry, including higher out-of-pocket costs, limited protection, and complicated claims.

02/02/2026

Friday, 1/30/26. Shortly after 12:30pm this afternoon, Bethlehem Township Vol. Fire Co. Fire/EMS, Nancy Run Fire Co., Hanover Township Vol. Fire Co. Fire/EMS, and PA State Police were dispatched to Rt. 22 West, milepost 329 in Bethlehem Township, for a single vehicle MVA with injuries. This MVA was the result of an ice-chunk projecting from the top of another vehicle.

This is a stern reminder. We cannot emphasize enough that it is the driver’s responsibility—and a legal requirement—to remove snow and ice from their vehicle. This incident could have been much worse, luckily the driver was transported to the hospital with only minor injuries.

Christine’s Law (Pennsylvania Act 90 of 2022) mandates that drivers in PA make "reasonable efforts" to remove ice and snow from their vehicles—including the roof, hood, and trunk—within 24 hours of a winter storm. Signed in July 2022, it enables police to pull over vehicles with hazardous, accumulated frozen debris.

Key Details of Christine’s Law:

Safety Focus: Named after Christine Lambert of Palmer Township, who died in 2005 after ice fell from a truck, the law aims to prevent injuries caused by dislodged snow/ice.

Penalties: Drivers face a $50 fine for not clearing their vehicles, even if no snow or ice falls off.

Heightened Liability: If snow or ice flies from a vehicle and causes death or serious bodily injury, the driver can face fines of up to $1,500.

Scope: The law applies to both commercial and passenger vehicles.

01/22/2026

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BEFORE THE STORM (24–48 HOURS AHEAD)
❄️1. Charge all phones, power banks, tablets, and rechargeable lanterns.
❄️2. Fill vehicle gas tanks in case stations lose power.
❄️3. Get cash in small bills in case card systems go down.
❄️4. Pick up prescriptions and essential medications early.
❄️5. Download movies, books, and maps for offline use.
❄️6. Identify one warm room in the house to “camp out” if power fails.
❄️7. Locate water shut-off valve and breaker box now, not later.
❄️8. Set fridge and freezer to colder settings to hold temperature longer.

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WATER AND PIPE PROTECTION
❄️9. Drip faucets on exterior walls when temps drop below freezing.
❄️10. Open cabinet doors under sinks to allow warm air circulation.
❄️11. Disconnect garden hoses from outdoor spigots.
❄️12. Cover outdoor faucets with insulated caps or towels.
❄️13. Know how to shut off water quickly if a pipe bursts.
❄️14. Fill jugs, buckets, or bathtub with water for flushing and washing.

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FOOD AND KITCHEN PREP
❄️15. Keep 3–5 days of no-cook food: peanut butter, tuna, bread, crackers, canned meat, fruit cups.
❄️16. Have manual can opener available.
❄️17. Buy shelf-stable milk or powdered milk if needed.
❄️18. Freeze a few water bottles to act as freezer “ice packs.”
❄️19. Keep a cooler ready to move fridge food outside if power is out and temps are below freezing.
❄️20. Avoid stocking large amounts of perishables right before the storm.

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HEAT AND HOME SAFETY
❄️21. Gather extra blankets, sleeping bags, and warm layers.
❄️22. If using a fireplace, confirm chimney is clear and have dry wood.
❄️23. Never run generators or grills inside garages or homes.
❄️24. Test smoke and carbon-monoxide detectors.
❄️25. Have at least one flashlight per person plus spare batteries.
❄️26. Use battery lanterns instead of candles when possible.

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VEHICLE AND TRAVEL
❄️27. Plan to avoid driving once freezing rain begins.
❄️28. Bridges, overpasses, and shaded roads freeze first.
❄️29. Keep in the car: blanket, water, snacks, phone charger, gloves.
❄️30. Replace old wiper blades and top off washer fluid.
❄️31. Park away from large tree limbs when possible.
❄️32. Assume flights and travel may be disrupted for days.

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POWER OUTAGE PLAN
❄️33. Unplug sensitive electronics to avoid surge damage.
❄️34. Keep one battery radio or weather app for updates.
❄️35. Use surge protectors for TVs and computers.
❄️36. Know where warming centers may be in your parish.
❄️37. Have extension cords ready if using a generator outside.
❄️38. Keep refrigerator closed to preserve cold air.

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PETS AND LIVESTOCK
❄️39. Bring pets indoors with extra food and water.
❄️40. Provide outdoor animals with unfrozen water sources.
❄️41. Add straw or blankets to outdoor shelters.
❄️42. Keep leashes and carriers accessible in case of evacuation.

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MEDICAL AND SPECIAL NEEDS
❄️43. Keep a written list of medications and dosages.
❄️44. Store a small first-aid kit with thermometer and basic meds.
❄️45. Have backup batteries for medical devices.
❄️46. Identify a place with power you could relocate to if needed.

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PROPERTY PROTECTION
❄️47. Move vehicles away from trees or power lines.
❄️48. Secure outdoor furniture and lightweight items.
❄️49. Avoid trimming trees during the storm—do it beforehand.
❄️50. Photograph property for insurance before conditions worsen.

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DURING THE STORM
❄️51. Do not drive unless absolutely necessary.
❄️52. Assume downed lines are live and dangerous.
❄️53. Use only safe indoor heating methods.
❄️54. Check on neighbors, especially elderly, by phone if possible.
❄️55. Report outages to utility companies rather than 911 unless it’s an emergency.

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AFTER THE STORM
❄️56. Walk carefully—ice may refreeze overnight.
❄️57. Check pipes for leaks as temperatures rise.
❄️58. Throw out refrigerated food if above 40°F for more than 4 hours.
❄️59. Avoid DIY electrical repairs around downed lines.
❄️60. Be patient—restoring power after ice can take several days.

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KEY REALITY FOR SOUTHERN ICE EVENTS
❄️A quarter inch of ice can bring scattered outages.
❄️Half an inch can cripple travel and power for days.
❄️Ice is more dangerous than snow for the Deep South

(I'm not sure the original author of this or I would tag/ give credit!)

11/27/2025

11/11/2025

Courtesy of the Somerset County EMA.

As we begin to enter winter weather please remember this important driving tip: The automatic headlight control in vehicles detects brightness outside the vehicle with an Illuminance sensor which activates when light picked up by the sensor drops below a certain level. This does not activate because of inclement weather such as snow ,rain or fog, so please use your headlights manually for safety while driving in these weather condition. In addition daytime running lights (DRL) on most new vehicles may activate white lights to the front but leave the taillights off which leads to many driving at night or in inclement weather feeling headlights are on without any rear lighting being present. If in doubt turn your headlights on!

10/27/2025

PENNSYLVANIA (WTAJ) — Deer will be becoming more active across the state and drivers are warned to be careful as more vehicles will be on the road when they may be crossing. The Pennsylvania Game C…

05/27/2024

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