Angela Hargrave - State Farm Insurance

01/27/2026

The physical office will reopen Wednesday (hopefully!!) and we will be working remotely Tuesday. Stay safe!!

01/26/2026

Our physical office location is CLOSED today due to the storm.
To my friends and customers with all the snow, ice, and fallen trees, I wanted to share a few quick insurance reminders that clear up a lot of common confusion.

A big thing to understand:
🌳 Trees are considered “unowned objects” in insurance.
What matters is what the tree damages, not who owns the tree or where it came from.

A few helpful points:

• If a tree damages your home, fence, or other insured structure, that’s typically a home insurance claim.
• Insurance generally covers the reasonable amount to get the tree off the structure and provides limited coverage to cut up and remove the tree from the property. (Check your limits or call your agent)
• A tree that falls in the yard without damaging property is not covered.

📸 If you think you may file a claim, take photos early and keep any receipts.

Whose claim is it?
• Your tree falls on your neighbor’s house → their claim
• Your neighbor’s tree falls on your house → your claim
The claim follows the damage, not the property line.

If you do have damage (trees, frozen pipes, etc.), this order matters:
1. Prevent further damage if possible.
2. Call a local contractor for an inspection and estimates.
3. Repairs can often start before a claim is filed.
4. Document everything.
5. Talk with your insurance professional before filing to make sure it’s covered and exceeds your deductible.

🚗 A tree falling on a vehicle is a comprehensive auto claim.

Lastly, please be patient with insurance teams and contractors. Storm events create peak demand, and many people helping you are dealing with the same weather issues you are.

If you need guidance or just have questions, our team is here to help

📞 901-373-5859

Angela Hargrave

State Farm Agent

Stay safe out there.

01/23/2026

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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!)

10/14/2025

Got TWO wonderful surprises at the office today!! So thankful for policyholders that appreciate us and what we try to do. Blessed!!

09/05/2025

In 2024, 454 individuals who trusted a State Farm Agent or Team Member with their life insurance passed away within the first year of their policy. The average age of death was just 43.

State Farm paid out over $46 million to support these families, offering financial stability during a difficult time. This support helped families stay in their homes, grieve without added financial pressure, and begin rebuilding with dignity.

Yes, it can happen to you and me. If you don’t have 5-10x your annual income in Term Life Insurance you are underinsured. Your group life policy at work is not enough.

Give us a call and we can get you started. We have options that will fit almost any budget.

07/16/2024

07/16/2024

Come see us at Jeeps on Beale! We will be here until 7:30. So much fun!!

04/02/2024

Yesterday was 21 years as a State Farm Agent! I’m so blessed to love what I do and am thankful for everyone that took a chance on me over the years! Looking forward to the next 20 years!