David Jolly Insurance with South Carolina Insurance Brokers

David Jolly Insurance with South Carolina Insurance Brokers I am an Insurance Agent with South Carolina Insurance Brokers. I’m here for all of your Personal and Business Insurance Needs.

I want to be your Trusted Insurance Advisor

05/03/2026

Higgins and Halloran Insurance Group is now South Carolina Insurance Brokers.
- More carrier appointments!
- Improved Service Procedures!
- All Personal and Commercial Insurance Products

Call to start you quote
864-520-5018

05/07/2025

ITS THAT TIME OF YEAR AGAIN
HURRICANE SEASON
Hurricane Facts and Myths

When preparing for a hurricane, it is easy to find yourself turning to popular myths to protect your loved ones and your property. For example, you may have heard that taping a big “X” on your windows will prevent them from breaking and keep you safe in a hurricane. Actually, that “X” will do little to protect your windows from being shattered by the wind or flying debris. Instead, you should install permanent storm shutters or board up your windows with marine plywood that has been cut to fit them.1
The “X” tape myth is just one of the many misconceptions about adequate hurricane preparation. Take a look at a few other popular hurricane myths:

Myth #1 – You only need to protect the windows facing the water

Hurricane-force winds can turn landscaping materials and other outdoor items into projectiles that can break windows on any side of your home.2 All windows and glass doors should be secured to guard against high winds and flying objects.

Myth #2 – If you lean against a window or door, you can keep it from blowing inward

You are putting yourself in danger if you remain in front of windows and doors. Instead, you should:
Stay away from windows and glass doors.
Close all interior doors and brace external doors before the storm.
Take refuge in a small interior room, closet or hallway on the lowest level.3

Myth #3 – Open windows to alleviate pressure

This myth is based on the misconception that pressure can build up in your home during a storm to the point of causing complete structural failure. According to the National Oceanic & Atmospheric Administration, no house is built airtight and an over-pressurization to this degree is not possible. Opening windows presents the danger of flying objects entering your home.4 Therefore, all windows should be closed and shuttered during a hurricane.

Myth #4 – The biggest myth is that “It will not happen here”

Each year, heavy rains, strong winds, floods and coastal storm surges from tropical storms and hurricanes affect much of the United States, including both coastal and inland areas.5 Although we all hope we will not be affected by a hurricane, it is always safer for you, your family and business to be prepared.

Sources
1 Fema, http://m.fema.gov/before-hurricane
2 Insurance Information Institute, http://www.iii.org/article/hurricane-awareness-0
3 Ready.gov, http://www.ready.gov/hurricanes
4 National Oceanic & Atmospheric Administration, http://www.aoml.noaa.gov/hrd/tcfaq/C6.html
5 America's PrepareAthon!, http://community.fema.gov/hazard/hurricane/be-smart

01/07/2025

More Tips to Help Prevent Water Damage from Frozen Pipes

An arctic blast of cold temperatures is expected to affect a large part of the country this coming week and could drop temperatures below freezing for several days. Here is some information that can help prevent water damage from frozen pipes and keep your customers safe.

Tips to Help Prevent Frozen Pipes

Disconnect any hoses from exterior faucets. Even frost proof faucets/sillcocks require that the hose to be disconnected in freezing weather to allow residual water to drain.

If provided, close inside valves supplying water to outdoor faucets and hookups. Open outdoor faucets to allow residual water to drain. Be sure to keep them open during the cold weather months, while the water supply is turned off.

Keep garage doors closed to help protect water pipes located in the garage.

Open the doors on cabinets where plumbing is located. This can help allow warmer air to circulate around the pipes.

For pipes that are at risk of freezing (both hot and cold water pipes), let water drip from faucets.

Keep the heat in your home set at a minimum of 55 degrees Fahrenheit.

Identify areas that have experienced freeze issues in past winter storms and consult with a plumber or mechanical contractor to address and help protect those vulnerable areas ahead of the cold weather.

What to Do if You Have a Frozen Pipe

Locate and close the main water shutoff valve as soon as possible and before temperatures rise above freezing.

Inspect pipes for damage, including those in attics and crawl spaces, where it is safe to do so.

As temperatures increase above freezing, watch and listen for signs of water leaks.

If a pipe is leaking, do not turn on the water. Open all faucets including those outside to drain remaining water from pipes and call a licensed plumber for repairs.

If no leaks are detected, turn water back on slowly. Continue to check for leaks before turning water on completely.

Never use torches or heat guns to facilitate thawing as these can create fire hazards.

01/03/2025

Prepare for Other Cold Weather Risks

Extreme cold can also exacerbate other winter hazards like snow and ice.
Preparing your home or business for winter can help mitigate these risks.

Freezing temperatures can also cause power outages for hours or even a day (or more). Follow these guidelines if you lose power to help you stay more comfortable and safe during an outage.

Proactive risk management and advance preparations can help you prevent property damage from freezing temperatures.

HOW TO HELP PROTECT YOUR PROPERTY FROM EXTREME COLD

A cold snap or arctic freeze can knock out power stations, slow business and travel to a crawl, and freeze pipes. If you expect extremely cold weather —such as from a polar vortex— to impact your area, take immediate precautions to help prepare your home or business for the risk of frozen pipes.

Follow guidelines from local authorities if you receive a severe cold weather warning.

Tips to Help Prevent Burst Pipes Due to Water Freezing

Tips to Help Prevent Frozen Pipes at Home

- Set your thermostat to at least 60°F at all times

- Open cabinet doors where piping is present, such as in the bathroom and kitchen

- Keep your attic door/hatch open if water filled pipes are present in the attic

- Let water drip from all faucets during extreme cold

- Ensure all water filled pipes are well insulated to reduce the risk of freezing

How to Reduce Your Businesses Risk from Frozen Pipes

- Keep your heat set to at least 60°F in areas where pipes with water are present.

- Monitor building power and have a plan to maintain temperatures in case of power failure.

- Have a trained professional regularly inspect, maintain, and test plumbing and fire sprinkler systems, and consider installing water detection sensors for added protection.

- If you have a central station monitored water flow alarm, confirm it is working for your fire sprinkler system. Check that dry pipe fire protection sprinkler systems have not taken on water.

- Designate and educate staff to safely shut down your building’s water supply when necessary. Be sure designated staff have access to the required valves.

- Check your building’s heat and water periodically if your business is closed or unoccupied, especially during weekends and extended holidays.

If pipes in your home or business freeze, don’t panic.

Turn off the water supply, and follow these guidelines to thaw frozen pipes.

Call a professional for help if you cannot find or reach the frozen areas.

How to Thaw Frozen Pipes
The easiest way to deal with frozen pipes is to avoid them in the first place. But when the temperature plummets, pipes can freeze – and a homeowner, property owner or business owner then has an urgent need to thaw the pipes to get water flowing again.

In many cases, a frozen pipe may be nothing more than a minor inconvenience. But if not properly taken care of, a frozen pipe could lead to serious property damage. Note that it is normally during the thawing process that real issues become evident.

What Not to Do
Possibly more important than knowing how to unfreeze your pipes is knowing what not to do when they freeze. You shouldn't use any device with an open flame, such as a torch, kerosene or propane heater, or charcoal stove, to thaw your pipes. These devices can present a serious fire hazard.

You should also avoid using a heat gun on the piping in your home or business. Common heat guns can reach a temperature of 1,100 degrees Fahrenheit (593 degrees Celsius). This is more than sufficient to accidentally start a fire with surrounding building materials. It also far exceeds the melting point of any PVC piping in homes or commercial buildings.

What to Do
The first step you should take if you suspect you have frozen pipes is to turn off the water supply to that section of plumbing or to your building. That will relieve water pressure from your home/commercial building’s water supply lines.

You can always call a professional plumber. Plumbers are trained, experienced and have the proper equipment to solve a frozen pipe issue in your home and business. They can also perform a needed repair and help prevent the freeze from reoccurring.

Opening a faucet will help to relieve water pressure on the lines. And it will allow you to know when you have water flowing again. The majority of water damage resulting from frozen pipes is caused by pipes bursting from the rise in water pressure that occurs as ice advances up the pipe. This is the actual reason for leaving a faucet open in cold weather. Flowing water can still freeze, but an open faucet will allow pressure to escape.

In most cases, you will find frozen pipes along exterior walls or where piping is exposed to cold air infiltrating through cracks or openings. Look for areas where pipes appear swollen or there is frost evident. If a pipe is behind a wall or otherwise cannot be seen, you might need to turn up the heat in the building and wait for the pipe to thaw. You might need to cut out (or have a professional cut out) a section of a wall or ceiling to get access to a frozen pipe.

One way to thaw frozen pipes is to heat the ambient air in the area and wait. Space heaters, such as the infrared type, are effective for this. But be cautious - electrical appliances should not be left unattended if there is the possibility of fire or coming in contact with water.

Using a hairdryer will supply enough heat to thaw a frozen pipe. Don’t leave a hairdryer unattended, instead, hold it in your hand and direct the warm air toward the frozen pipe. A heating pad can be used if the area is accessible and small. If there is no electrical outlet available, then the pipes can be wrapped in cloth and hot water applied. Regardless of the method you choose, have a mop handy in case any leaks develop.

If you are unable to find where your pipes have frozen or if there is visible damage to them, it is time to call in a plumbing professional.

11/19/2024

How to Help Prevent Frozen Pipes

Frozen pipes can present an invisible threat – one that you might not recognize until the weather starts to warm. By then, the water damage can be significant and costly. Fortunately, keeping your home warmer, at a consistent temperature and better insulated can help protect your pipes from freezing this winter.

What do you do if you have a frozen pipe?
If you suspect pipes in your home have been exposed to freezing temperatures, or water is not flowing through a faucet normally, follow these steps to help reduce the potential for water damage:
Locate and close the main water shutoff valve as soon as possible and before temperatures rise above freezing.
Open all faucets, including those outside, to drain remaining water from pipes.
Have buckets, towels and fans available to contain, clean up and dry water leaks.
Slowly turn water back on and inspect for leaks. If there are leaks, be prepared to turn the water off immediately.
Also inspect pipes for damage in areas like attics and crawl spaces, where it is safe to do so.
Never use torches or heat guns to facilitate thawing, as these can create fire hazards.
As temperatures increase above freezing, watch and listen for signs of water leaks.
If there is pipe damage, call a licensed plumber for repairs.

Why is a frozen pipe a concern?
When water begins to freeze, it expands. This can cause both plastic and metal pipes to burst, possibly leading to significant water damage to your home.
Since water expands when it freezes, it puts unwanted pressure on pipes.
As water freezes, the force exerted from the expansion can cause a pipe to burst, regardless of the strength of the material.
You may not know you have a burst pipe as the water has turned to ice. Once the temperature starts to warm and thawing begins, leaking and flooding can occur.

Which pipes are most at risk?
Pipes that are most exposed to the elements, including those outdoors and along the exterior walls of your home, may need extra protection during winter months. These include the following:
Outdoor hose hookups and faucets.
Swimming pool supply lines.
Lawn sprinkler lines.
Water pipes in unheated, interior locations such as basements, crawl spaces, attics, garages, and kitchen and bathroom cabinets.
Pipes running against exterior walls with little or no insulation.

How to help prevent frozen pipes

Before winter:
Check your home for areas where water pipes are located in unheated or poorly insulated areas. Be sure to check your basement, attic, crawl space and garage and within cabinets containing plumbing. Hot and cold water pipes should both be insulated.
Products such as pipe sleeves or UL-listed heat tape or heat cable can help insulate or heat exposed water pipes.

During winter:
Close inside valves supplying water to outdoor faucets and hookups.
Open outdoor faucets to allow residual water to drain; be sure to keep them open during the cold weather months, while the water supply is turned off.
Keep garage doors closed to help protect water pipes located in the garage.
Open the doors on cabinets where plumbing is located. This can help allow warmer air to circulate around the pipes.
For pipes that are at risk of freezing (both hot and cold water pipes), let water drip from faucets.
Keep the heat in your home set at a minimum of 55 degrees.

10/18/2024
With the wind and rain on in the forecast make sure that your Boat, RV, Outdoor Furniture and other items are covered pr...
09/13/2024

With the wind and rain on in the forecast make sure that your Boat, RV, Outdoor Furniture and other items are covered properly and secured.

When you think about insurance, think of me David Jolly. Call, text or email

03/20/2024

THE 2024 HURRICANE SEASON

HURRICANES in South Carolina are a Matter of WHEN, Not IF!

The 2024 Hurricane Season begins in June, so now is the perfect time to think about the importance of Hurricane and Flood coverage.

Hurricane Activity is Increasing
To help understand the value of Named Storm Coverage and a Flood Policy:

- Rising ocean water temperatures lead to stronger storms with more precipitation, making low-risk flood zones more susceptible to flooding.

- The 2023 hurricane season was exceptionally active, with 19 named storms, 7 hurricanes, 12 tropical storms, and 21 tropical depressions.

Hurricane Preparation Week begins May 1st, and since flood policies need 30 days to take effect, waiting until a hurricane is approaching may be too late.

03/08/2024

Things to keep in mind as we enter Spring Storm Season:
10 TIPS TO HELP REDUCE WIND DAMAGE TO YOUR HOME OR BUSINESS

Inspect your roof regularly.

Consider hiring a licensed roofing professional to evaluate the integrity of your roof and perform necessary repairs.

Maintain roof flashing and siding.

Wind can tear away loose shingles or worsen cracks in a building’s siding, making it possible for rain to seep in and cause water damage.

Secure rooftop equipment.

Strong winds can damage satellite dishes, lights, solar panels, and other items attached to your roof. Use anchored straps and cables to hold them in place.

Clear debris from gutters and downspouts.

Rain often accompanies strong winds and can lead to water damage if your home or business’s drainage system is blocked.

Inspect trees on or near your property.

Heavy winds can uproot dead or dying trees, which can fall on your house or car. If you are worried about a large tree close to your home or business, call an arborist for pruning or removal (get permission from local authorities if required).

Remove debris around your property.

Strong winds can hurl loose objects like tools, boards, and toys at your property, breaking windows and damaging walls.

Bring outdoor furniture indoors (if possible).

Have a secure place to store these items when you get a storm warning, or consider using anchor straps or cables to tether them to a sturdy fence or building so they can't blow away.

Secure your home or business.

Close and lock the windows, and interior, loading dock, and garage doors to help prevent potential wind uplift.

Prepare your vehicle(s).

Park your car, truck, or other vehicle under cover, ideally in a garage, and away from trees.

Create an emergency plan.

Consider enabling emergency alerts on your cellphone to get the latest updates. Decide where you and your family or employees will go if ordered to evacuate. Create a disaster kit with food, water, and first aid supplies to last a few days.

01/18/2024

TIPS TO HELP PREVENT BURST PIPES DUE TO WATER FREEZING

Tips to Help Prevent Frozen Pipes at Home
- Set your thermostat to at least 60°F at all times
- Open cabinet doors where piping is present, such as in the bathroom and kitchen
- Keep your attic door/hatch open if water filled pipes are present in the attic
- Let water drip from all faucets during extreme cold
- Ensure all water filled pipes are well insulated to reduce the risk of freezing

How to Reduce Your Businesses Risk from Frozen Pipes
- Keep your heat set to at least 60°F in areas where pipes with water are present.
- Monitor building power and have a plan to maintain temperatures in case of power failure.
- Have a trained professional regularly inspect, maintain, and test plumbing and fire sprinkler systems, and consider installing water detection sensors for added protection.
- If you have a central station monitored water flow alarm, confirm it is working for your fire sprinkler system. Check that dry pipe fire protection sprinkler systems have not taken on water.
- Designate and educate staff to safely shut down your building’s water supply when necessary. Be sure designated staff have access to the required valves.
- Check your building’s heat and water periodically if your business is closed or unoccupied, especially during weekends and extended holidays.

If pipes in your home or business freeze, don’t panic. Turn off the water supply, and follow these guidelines to thaw frozen pipes. Call a professional for help if you cannot find or reach the frozen areas.

PREPARE FOR OTHER COLD WEATHER RISKS
Extreme cold can also exacerbate other winter hazards like snow and ice. Preparing your home or business for winter can help mitigate these risks. Freezing temperatures can also cause power outages for hours or even a day (or more). Follow these guidelines if you lose power to help you stay more comfortable and safe during an outage.

Proactive risk management and advance preparations can help you prevent property damage from freezing temperatures.

Address

Main Street
Lexington, SC
29072

Alerts

Be the first to know and let us send you an email when David Jolly Insurance with South Carolina Insurance Brokers posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to David Jolly Insurance with South Carolina Insurance Brokers:

Share