The Demsure Blog

With Helpful Hints on Auto, Home & Commercial Insurance

Now Is The Time To Protect Your Home From Ice Dams

Posted by Kate Dempsey

Feb 14, 2017 8:45:19 AM

After three winter storms in less than a week, you may be noticing some pretty large snow piles on the roof of your home. With a slight warm up in temperature coming mid-week, now is the time to remove snow in order to prevent the buildup of ice dams - and potential damage to your home.

more

Topics: Snow, Cold Weather, Ice Dams

Get ready for FREEZING temps tonight!

Posted by Kate Dempsey

Dec 15, 2016 2:45:57 PM

The coldest temperatures so far this season are expected in New England tonight and tomorrow. With the mercury dipping well below freezing, residents should take note of the increased risk for frozen pipes. While there are long term measures you can take to prevent frozen pipes in your home, like having proper insulation and sealing any cracks or gaps in your siding or foundation, there are a few small, but helpful, things you should do during extreme cold spells.

more

Topics: homeowners insurance agency norwood, home insurance agent, Snow, Winterweather, Freezing Pipes, Cold Weather

Winter Preparedness - Fire Safety

Posted by Kate Dempsey

Dec 13, 2016 10:34:02 AM


To Our Valued Customers:

We are pleased to share Mapfre Insurances' latest blog content with you; helping you prepare for the coming winter.

Our first topic is: fire safety. Below you will find tips for keeping your home and family safe during the winter months.

Over the next few weeks we will share tips on home safety, safe driving, ice dams and more. We hope you find this winter preparation campaign useful. Thank you for your continued partnership with Dempsey Insurance.

more

Topics: Insurance Norwood, home insurance agent, #prep4winter, Winterweather

Holiday Traveling Safety Tips

Posted by Kate Dempsey

Nov 22, 2016 11:38:54 AM

If you're getting ready to travel for the holidays and need to brush up on airport security, vist the TSA website. They have a veritable cornucopia of travel info, tips and linkage that will help you get to where you're going on time and safe. You'll be as good as gravy, and on Thanksgiving, gravy is about as good as it gets! From our family to yours, have a safe and happy holiday!

more

Topics: thanksgiving, travel safety

Winter Driving: Safe Driving and Vehicle Maintenance Are Key

Posted by Kate Dempsey

Jan 15, 2016 9:17:21 AM

Winter is a time when safe driving and well-maintained vehicles take on even greater importance.  “Failure to keep in proper lane or running off the road” and “driving too fast for conditions” are the two of the most frequent driver behaviors, according to the National Highway Traffic Safety Administration (NHTSA). 

more

Topics: Snow, winter driving, #prep4winter, Sleet

It's Baaaacccckkkk!!!

Posted by Kate Dempsey

Dec 29, 2015 9:36:17 AM

Snow has found us again. Get ahead of it this year by preparing your home to weather the winter. Here are some simple tips to help prevent freezing pipes, reduce ice dams, prevent roof collapse and keep your house warmer this season. For more tips and suggestions visit http://disastersafety.org/freezing_weather.

more

Topics: Snow, #prep4winter, Sleet, Winterweather

Frozen Pipes - Protect Your Pipes From Freezing

Posted by Kate Dempsey

Dec 17, 2015 9:42:00 AM

Don't worry! This winter doesn't have to be like the last. Preparation is the key to prevention! Here are some tips for you on making sure you do everything possible so your pipes stay warm and cozy this season. 

more

Topics: homeowners insurance agency norwood, Winterize your home, #prep4winter

Winter Weather - Ice Dam Guide - #prep4winter

Posted by Kate Dempsey

Dec 3, 2015 10:24:01 AM

Ice_Damn_Guide.png

What is an Ice Dam?

  • Ice dams are ridges of ice that form at the edge of a roof and prevent melting snow from draining off your roof
  • Water that backs up behind the dam can leak into your home and cause damage
  • Walls, insulation and ceilings are at the greatest risk for damage from an ice dam

How to Prevent Ice Dams?

  • Proper insulation - Attic insulation should have an R value of 30.* Insulate around areas that may allow for heat to escape easily - lights, bathroom fans, sky lights, etc.
  • Proper Ventilation - Allow heat to escape in other ways than the roof. Investigate gable vents, ridge vents and soffit venting
  • Installation of Roof Leak Barrier - A rubberized film that gets installed under roof shingles to block water from leaking into vulnerable areas
  • Keep all drains, downspouts and scuppers free of debris
  • Maintain trees and plants that grow near your roof to prevent accumulation that may clog or slow roof drainage
  • Get an energy audit done of your home to identify potential areas of concern

* R value is how well the material used to insulate can function at keeping the heat where it needs to be.                     The higher the value the better the insulating power.

What other factors contribute to ice damming?

  • Complex roof designs
  • Skylights
  • Dormers
  • Vaulted Ceilings
  • Periods of unoccupancy greater than 30 days

What to do if you have an Ice Dam?

  • Remove the first three to four feet of snow from the roofline with a roof rake or soft bristled broom

Warning - Be extremely careful while removing snow from your roof.

  • Make sure the ladder is secure
  • Beware of falling snow and ice as you clear the roof
  • Consult with a roofing professional when dealing with snow removal
  • If the home is too tall to reach the roof then hire a roofing professional to clear the snow
  • Contact Dempsey Insurance agent as soon as possible.

Source: www.disastersafety.org/ibhs-risks-freezing-weather/reduce-winter-weather-damage-to-businesses https://bct.eco.umass.edu/publications/by-title/preventing-ice-dams/ http://www.gaf.com/Roofing/Residential/Products/Leak_Barriers

more

Topics: Insurance Norwood, Ice Damn Prevention, #prep4winter

Important News About Temporary Plates

Posted by Kate Dempsey

Jul 10, 2015 12:44:16 PM


The Registry of Motor Vehicles has issued a formal statement regarding whether paper or temporary plates are permitted on vehicles purchased by Massachusetts residents from out-of-state dealers. The letter reads in part:

"Massachusetts does not issue temporary registration plates for its own residents but it does recognize temporary registration plates validly registered in other states to non-residents of Massachusetts who are temporarily operating in this state (assuming the plates are not expired or suspended.) Thus, a Connecticut resident operating a motor vehicle in Massachusetts on validly issued temporary Connecticut registration plates is OK, but a Massachusetts resident operating a newly purchased motor vehicle in Massachusetts with validly issued temporary Connecticut plates is not.

A Massachusetts resident who purchases a motor vehicle in another state must apply for and attach valid MA registration plates to the vehicle before he/she can drive the vehicle back to Massachusetts. (This can be done by using overnight services such as Fed Ex or UPS). As an alternative, the dealer may deliver the vehicle to the buyer in Massachusetts using the Dealer's out-of-state issued Dealer Plates (but the buyer cannot operate the vehicle on those Dealer Plates in Massachusetts once the vehicle has been delivered.

A Massachusetts resident who is operating a vehicle owned by him/her and registered in another state (even with "temporary plates") is probably violating Chapter 90, Section 9 and is subject to a fine of $100 for a first offense and up to $ 1,000 for a subsequent offense. The citation is issued for an "unregistered motor vehicle" according to the current CMVI Assessment Schedule of the Trial Court of the Commonwealth, District Court Department. Section 3 authorizes operation on MA public ways of vehicles that are properly registered to non-residents of other states. There is an exception in Section 3 for a MA corporation or a resident of Massachusetts who has a business in another state with commercial motor vehicles registered and garaged in that state."

To read more about Chapter 90, Section 9 or Section 3, click here.

 

Information provided by MAIA.

more

Topics: auto insurance norwood

New Hampshire Hands-Free Law Begins July 1.

Posted by Kate Dempsey

Jun 30, 2015 12:32:00 PM


If you’re northbound for the holiday, it’s important to note that New Hampshire’s newest anti-distracted driving law takes effect tomorrow, Wednesday, July 1.

Texting-while-driving-300x195

Beginning tomorrow, it’s illegal to use a handheld phone while driving in New Hampshire. So for those of you heading north, make sure your calls are made, texts are sent and GPS is turned to “loud” before getting behind the wheel – and if you need to use your phone while on the road, find a safe spot to pull over.

And just a tip: don’t try to send that quick text or look up directions while you’re stopped at a red light or stop sign, the new law forbids that, too.

From all of us at Dempsey Insurance, we wish you and your family a happy, safe and fun Fourth of July Weekend.

more

Topics: auto insurance norwood, insurance agency norwood, auto insurance agent Massachusetts