Randall Talley, Farmers Insurance Agent

10/04/2021

12 Tips for Holiday Home Safety

1. Merry and Bright: Carefully inspect holiday light strings each year and discard any with frayed cords, cracked lamp holders, or loose connections. When replacing bulbs, unplug the light string and be sure to match voltage and wattage to the original bulb.

2. Lights Out: Always turn off holiday lights when you leave the house unattended or when going to bed.

3. Fresh Is Best: Try to purchase a freshly cut tree, as they are more resistant to ignition. Keep your Christmas tree watered and away from open candles.

4. Timing Is Everything: Use an outdoor timer certified by CSA International to switch lights on and off. Lights should be turned on after 7 p.m. to avoid the electricity rush hour.

5. Check for the Certification Mark: When purchasing light strings, extension cords, spotlights, electrical decorations, gas appliances, or carbon monoxide alarms, look for the certification mark of an accredited certification organization such as CSA International, UL, or ELT to ensure that the products comply with applicable standards for safety and performance.

6. One and Done: Never connect more than one extension cord together; instead use a single cord that is long enough to reach the outlet without stretching, but not so long that it can get easily tangled.

7. The Great Outdoors: When hanging outdoor lights, keep electrical connectors off the ground and away from metal rain gutters. Use insulated tape or plastic clips instead of metal nails or tacks to hold them in place.

8. Climbing Up: Using a ladder when you put up lights? Choose the correct ladder for the job and double check for a certification mark to ensure your portable ladder complies with applicable standards.

9. Keep the Gas Behind Glass: Do not use your gas fireplace if the glass panel is removed, cracked, or broken, and only allow a qualified service person to replace fireplace parts.

10. Sound the Alarm: Test your smoke alarms monthly to make sure they work, and be sure to install smoke and carbon monoxide (CO) alarms on every level of your home -- especially near sleeping areas.

11. Filter-Friendly Furnace: To help prevent CO hazards in your home, have a qualified heating contractor perform a yearly maintenance check of your furnace and venting system, and clean or replace your furnace filter frequently during the heating seasons.

12. Clean the Clutter: Do not store combustible materials such as gasoline, propane, paper, chemicals, paint, rags, and cleaning products near your gas furnace. Gasoline or propane cylinders should be stored outside the home.

09/01/2021

Wildfires
Catastrophes (11)
CA - Dixie Wildfire - Modification 11
Posted: 9/1/2021
Binding Restriction
Areas Affected: 95915, 95923, 95934, 95942, 95947, 95956, 95971, 95983, 95984, 96020, 96040, 96061, 96063, 96071, 96088, 96103, 96109, 96114, 96121, 96122, 96127, 96130, 96137, 96129
Products Affected: Farmers Personal Lines Home and Commercial Policies
Effective Date: 08/31/2021 2:30 PM PDT
Catastrophe Declared: YESGo to CAT Awareness


CA - Caldor Wildfire - Modification 8
Posted: 8/31/2021
Binding Restriction
Areas Affected: 95223, 95255, 95613, 95619, 95623, 95629, 95636, 95644, 95646, 95656, 95666, 95667, 95675, 95684, 95689, 95709, 95720, 95721, 95726, 95735, 96120, 96142, 96150, 96151, 96152, 96154, 96155, 96156, 96157, 96158
Products Affected: Farmers Personal Lines Home and Commercial Policies
Effective Date: 08/31/2021 1:45 PM PDT
Catastrophe Declared: YESGo to CAT Awareness


CA - K**b Wildfire
Posted: 8/31/2021
Binding Restriction
Areas Affected: 95525, 95527, 95546, 95563, 95573
Products Affected: Farmers Personal Lines Home and Commercial Policies
Effective Date: 08/31/2021 9:30 AM PDT
Catastrophe Declared: NO

CA - Monument Wildfire - Modification 2
Posted: 8/30/2021
Binding Restriction
Areas Affected: 95525, 95527, 95546, 95563, 95573, 96010, 96024, 96041, 96046, 96048, 96052, 96076, 96093
Products Affected: Farmers Personal Lines Home and Commercial Policies
Effective Date: 08/30/2021 9:00 AM PDT
Catastrophe Declared: NO

CA - South Wildfire - Modification 1
Posted: 8/30/2021
Binding Restriction
Areas Affected: 91739, 92334, 92335, 92336, 92358, 92376, 92377, 92407, 92427
Products Affected: Farmers Personal Lines Home and Commercial Policies
Effective Date: 08/30/2021 11:00 AM PDT
Catastrophe Declared: NO

CA - River Complex Wildfire - Modification 2
Posted: 8/30/2021
Binding Restriction
Areas Affected: 96010, 96014, 96027, 96031, 96037, 96048, 96091
Products Affected: Farmers Personal Lines Home and Commercial Policies
Effective Date: 08/30/2021 10:00 AM PDT
Catastrophe Declared: NO

CA - Chaparral Wildfire
Posted: 8/30/2021
Binding Restriction
Areas Affected: 92028, 92055, 92088, 92530, 92531, 92562, 92590, 92675, 92693
Products Affected: Farmers Personal Lines Home and Commercial Policies
Effective Date: 08/29/2021 6:45 AM PDT
Catastrophe Declared: NO

CA - French Wildfire - Modification 1
Posted: 8/30/2021
Binding Restriction
Areas Affected: 93205, 93226, 93238, 93240, 93260, 93285, 93287, 93306, 93308, 93380, 93386, 93388, 93518
Products Affected: Farmers Personal Lines Home and Commercial Policies
Effective Date: 08/30/2021 7:45 AM PDT
Catastrophe Declared: NO

CA - Washington Wildfire
Posted: 8/27/2021
Binding Restriction
Areas Affected: 95221, 95222, 95310, 95327, 95370, 95372, 95373, 95379
Products Affected: Farmers Personal Lines Home and Commercial Policies
Effective Date: 08/27/2021 6:45 AM PDT
Catastrophe Declared: NO

CA - Airola Wildfire
Posted: 8/26/2021
Binding Restriction
Areas Affected: 95221, 95222, 95229, 95246, 95247, 95249, 95251, 95310, 95327, 95370, 95373
Products Affected: Farmers Personal Lines Home and Commercial Policies
Effective Date: 08/26/2021 5:15 AM PDT
Catastrophe Declared: NO

CA - Antelope Wildfire - Modification 1
Posted: 8/24/2021
Binding Restriction
Areas Affected: 96057, 96058, 96064
Products Affected: Farmers Personal Lines Home and Commercial Policies
Effective Date: 08/24/2021 10:30 AM PDT
Catastrophe Declared: NO

09/01/2021

Re: Forced Ordered to Evacuate
If you own a property in the South Lake Tahoe Area you may be required to evacuate.

Please read all information below and use the link and the bottom of this email for more information.

CA - Caldor Wildfire - Posted: 8/30/2021 RestrictionAreas Affected: 95255, 95613, 95619, 95623, 95629, 95636, 95644, 95646, 95656, 95666, 95667, 95675, 95684, 95689, 95709, 95720, 95721, 95726, 95735, 96120, 96142, 96150, 96151, 96152, 96154, 96155, 96156, 96157, 96158
PDTCatastrophe Declared: YES
The Caldor fire is 177,260 acres and 14% contained while Dixie Fire is 771,183 acres and 48% contained. The dates of loss for Catastrophe ND1 has been extended: 7/13/21-9/7/21. The claims counts as of this morning is 566 claims for the Caldor Fire.

If you were Forced Ordered to Evacuate, after leaving the home call your Home Insurer's Claim Center.
Farmers Claims Center is 1-888-516-5656
Request to file a claim for potential Additional Living Expense. IE: Hotel/Motel, increased cost due to a Forced Order to Evacuate. The customer will not lose their claims forgiveness or surcharged for this event.

As far as prep prior to the Ordered Evacuation, go here: https://www.readyforwildfire.org/prepare-for-wildfire/go-eva cuation-guide/evacuation-steps/
Thank you for your business and friendship!
Stay In, Stay Safe, Stay Healthy!

Give your household the best chance of surviving a wildfire by being ready to go and evacuating early. Being ready to go also means knowing when to evacuate and what to do if you become trapped.

07/19/2021

Recommended Auto Liability – Auto Related Litigation is your biggest risk !

The purpose of insurance is to protect your assets. As a California property owner, I am sure that your net worth exceeds your current Auto Bodily Injury per person limit of $250,000. Your liability protection should match or modestly exceed your net worth to protect your combined property equity and other assets from auto accident lawsuits. In the Auto Policy, the figure to look at is the per person amount of liability. If the accident causes a fatality or disability it usually results in a huge lawsuit for lost income, career income loss, pain and suffering, medical expenses and legal expenses. If the court settlement exceeds the per person liability insurance limit on your policy, the court then turns to your property and assets and wage attachments to complete payment of the loss settlement.

IE: A head of the household dies or is permanently disabled. The court finds you are responsible and awards the surviving family a court judgment for $1,000,000. Your present policy will pay $250,000 and the court requires you to pay $750,000.

Double your Auto Liability coverage? usually 10% max increase.

11/23/2020

09/25/2020

We’re pleased to inform you that Farmers® has finalized a settlement agreement with Southern California Edison (SCE) on a Subrogation claim we filed related to the Thomas Wildfires which engulfed the counties of Ventura and Santa Barbara in December 2017. While SCE denies any liability for the fire, they have agreed to a partial reimbursement for payments we made to impacted customers.

While Farmers is not required by the settlement to reimburse any portion of customer deductibles that were applied to their claim, we have made the decision to reimburse Farmers Personal Lines, Farmers Business Insurance and Foremost customers 100 percent of any deductible that was applied to these claims.

04/09/2020

Good News!

Farmers is proud to announce a 25% reduction in April Auto premiums for Farmers Personal Lines Auto customers.

To reflect the changed driving environment resulting from various stay-at-home guidelines issued across the country,

Farmers Personal Lines Auto customers will receive a 25% reduction in their April premium.

"We are committed to helping customers during this unprecedented time. Building on our Farmers ® Cares initiative to assist customers.

All Farmers Personal Lines Auto customers will receive a 25% premium reduction for the month of April," said Jeff Dailey, Chief Executive Officer of Farmers Insurance®.

"As this situation continues to evolve, we will remain agile in assessing additional ways we can help our customers, including potentially further premium reductions."

Customers with Farmers-branded Personal Lines Auto policies will not need to take any action; however, should you have questions please call 888-327-6335.

Work is already underway with the various state by state Departments of Insurance to implement the 25% premium credit program quickly.

Details on how this reduction will be applied will be provided soon. Should you have questions please call 888-327-6335.

Stay In, Stay Safe, Stay Healthy!

01/18/2019

https://youtu.be/t9Tv6SQJ4Yw

http://www.sdnn.com/sandiego/2010-01-31/sports/worlds-largest-zeppelin-floats-over-torrey-pines

01/15/2019

What is distracted driving in California?
It’s NOT just cell phones!

While most distracted driving laws in California pertain to reading and responding to text messages or holding an electronic device in one hand, many other types of distractions are just as dangerous. For instance, potential distractions pertain to any activity that diverts the attention of the driver away from the road ahead. These distracting activities may include talking, eating, drinking or grooming. Additionally, petting an animal, searching for an item on the floor of a vehicle, watching a movie, or reading a book or newspaper while operating an automobile are other types of distractions. While the CA distracted driving law does not pertain to these types of activities, law enforcement officials may cite motorists for reckless driving if a distraction is deemed potentially dangerous.

12/05/2018

Holiday Safety Tips

11/26/2018

Be safe this Holiday Season:
1. Do not drink and drive.
2. Use your Home Alarm you forget to use all year long.

Happy Holidays to you and your family!