Winterize Your Water Pipes

Winter brings the threat of freezing temperatures and harsh conditions to much of the U.S. Some places are well beyond the threat; it’s going to freeze — there’s no way around it. Such conditions pose unique hazards to all owners of commercial and residential properties. The following is some information on this common winter threat.

FREEZING/BURSTING PIPES

One of the most common causes of damage to commercial and residential buildings during the colder months is freezing and bursting pipes. As a building owner, there are measures you can take to prevent pipes from freezing; however, sometimes the worst happens anyway. If it does, the result can be thousands of dollars of damage to your building, furniture, electronics, and other business property.

Here are some things To Do to prevent hazards caused by Winter:

-Locate the turn-off valve and drain the lines.
-Protect spigots with Styrofoam attachments. These can be purchased at most home improvements stores and offer much better insulation than wrapping the spigot with a towel.
-Search for pipes that are not insulated. These pipes may pass through unheated areas, such as crawlspaces, basements or garages. Pre-molded foam rubber sleeves can be fitted to the pipe and offer essential insulation to keep them from freezing. Fiberglass insulation is also an option. You may also consider wrapping the pipe with heating tape.

The team at Duncan Financial Group has experienced hard winters and endured the same day to day winter hazards you have. That’s why we are here to help you through the winter!

Are You Ready for Thanksgiving?

Prepare Your Children For Gatherings: Eliminate unnecessary anxiety associated with family gatherings. Look through photos of relatives the day before your event. Play memory games matching names to faces. This will help your children feel more comfortable with people they may not have seen in a while. Aunt Mary won’t seem quite so scary when she bends down to greet your child.

Write Things Down: Getting the constant chatter and lists out of your head decreases stress and anxiety. Kids love making lists. Give them a clip board or dry erase board. Assign them each a list. This will help you relax and help your children feel involved. Make sure they write “take a deep breath” and “laugh” somewhere on your list.

Incorporate Affirmations/Positive Statements Into Your Thanksgiving Dinner: This is empowering and reflective. Have each person at the table can state an attribute of their own that they are thankful for. For example, “I am thankful that I am creative.” Feeling stressed? Try, “I am thankful that I am calm.” Your special needs child can prepare ahead with a drawing or sign language if they want to participate without speaking.

Experience the Duncan Financial Group difference. Contact us for all of your insurance needs!

Duncan Financial Group
311 Main Street
Irwin, PA 15642
Tel: (724) 863-3420
Toll free: (888) 383-3420

http://duncangrp.com

Does Volunteering Your Time Mean Volunteering Your Insurance?

Millions of Americans donate time—their most valuable asset—to serve as a volunteer board member on non-profits, booster clubs, churches, PTAs and civic organizations, just to name a few. The decisions these folks make can have a dramatic impact on their respective organization—and not always for the better. If a volunteer endeavor goes bad, would a volunteer board member have coverage against a lawsuit under his or her homeowner’s policy?

 

Homeowners’ Insurance
The last thing volunteers want to consider is what would happen if their favored organization file suit against them as a result of their efforts. But it happens, and not infrequently. This does happen, especially when volunteers make decisions that directly influence the finances of an organization. Often, the only insurance these volunteers have to back their efforts is a homeowner’s policy. Unfortunately, this policy may be of little assistance.

The reason homeowners’ policies do not usually cover liability stemming from actions as a volunteer is the nature of the claim. The policy is designed to cover claims of “bodily injury,” such as someone slipping on cracked pavement in your driveway; and/or “property damage,” such as accidentally setting your neighbor’s house ablaze when burning some brush on a windy day.

Claims against board members do not usually involve bodily injury or property damage. Rather, they involve bad decision making that results in financial loss to the organization, such as the decision to invest in an IT system that turns out to be a debacle, costing the organization tremendous time and money.

There is another problem. Homeowners policies do not cover “professional services.” This is important to note, because board members are often asked to serve in a capacity consistent with their profession. For example, a church member who is a CPA may be asked to serve on the church’s board as finance chairman. Even though he is not paid for his services, the “professional services” exclusion under his homeowner’s policy would still apply.

In addition to the above, homeowners policies do not cover claims of personal injury unless this coverage is specifically added. Personal injury insurance is added to the homeowner’s policy to cover claims such as libel, slander, wrongful eviction, and false advertising.

What to Do
Events causing claims are unpredictable. While the reasons shown above prove it’s unlikely, not all claims against volunteer board members are excluded by a homeowners policy. Decisions to purchase personal injury coverage and a personal umbrella policy will increase your ability to find coverage for a suit against you.

The best method for insuring the actions of board members is for the organization to purchase a Directors and Officers (D&O) liability policy. These policies are relatively inexpensive for most non-profits. Before volunteering, request information on the organization’s D&O policy. The absence of this insurance leaves you at risk of having no personal insurance to defend a suit brought against you by the organization and should influence your decision to serve.

Duncan Financial Group
311 Main Street
Irwin, PA 15642
Tel: (724) 863-3420
Toll free: (888) 383-3420

http://duncangrp.com

 

Do I Need an Estate Plan?

There is no doubt that estate planning can seem to be an unpleasant topic to discuss, and therefore most people usually do nothing about it. Unfortunately, if you ignore those issues now, you may cost your family thousands or even millions of dollars later, as well as cause considerable anguish. Proper estate planning takes far less time and effort than most people imagine, and it can give you tremendous peace of mind.

Some “Top” Things to Know

 

1. No matter your net worth, it’s important to have a basic estate plan in place. Such a plan ensures that your family and financial goals are met after you die.

2. An estate plan has several elements. They include: a will, assignment of power of attorney, and a living will or health-care proxy (medical power of attorney). For some people, a trust may also make sense. When putting together a plan, you must be mindful of both federal and state laws governing estates.

3. Taking inventory of your assets is a good place to start. Your assets include your investments, retirement savings, insurance policies, and real estate or business interests. Ask yourself three questions: Whom do you want to inherit your assets? Whom do you want handling your financial affairs if you’re ever incapacitated? Whom do you want making medical decisions for you if you become unable to make them for yourself?

Your Family Should Come First. We Can Help!

 A well-planned Life Insurance policy enables your loved ones to cover their immediate cash needs in the event of your death, but should also replace your income so that your family maintains their current standard of living.

Life Insurance provides invaluable peace of mind and can be used for the following:

 

  • Pay off your mortgage
  • Help finance dependants’ present and future education
  • Provide finance to help your family maintain their lifestyle
  • Pay off credit card or personal loan debts
  • Cover funeral costs

We offer the following Life Insurance products:

  • Term Life Insurance
  • Whole Life Insurance
  • Universal Life Insurance
  • Variable Universal Life Insurance
  • First-To-Die Insurance Policies (Joint-Life)
  • Survivorship Life Insurance

We believe in providing families with a benefit that can be invested conservatively, generating interest earnings sufficient to pay monthly expenses.

Duncan Financial is the easy way to get a Term, Whole, or Universal Life Insurance quote that’s designed for you

Duncan Financial Group
311 Main Street
Irwin, PA 15642
Tel: (724) 863-3420
Toll free: (888) 383-3420

http://duncangrp.com

Worker’s Compensation From Duncan Financial

You do everything you can to keep your employees safe on the job. Still, an accident can happen when you least expect it. Just one injury can sideline an employee for months, leading to serious financial hardship. And since fault does not matter when it comes to workplace injuries, you may be responsible for an employee injured on the job.

Workers’ compensation Insurance covers employees against job-related injuries and illnesses, as well as certain medical expenses, lost income, and rehabilitation expenses. It also pays a death benefit to heirs of an employee who dies from a job-related injury or illness.

Fortunately there is a way to protect your business from a lawsuit and your employees from loss of income.

Experience the Duncan Financial Group difference. Please fill this form and get a free quote today.

Duncan Financial Group
311 Main Street
Irwin, PA 15642
Tel: (724) 863-3420
Toll free: (888) 383-3420

http://duncangrp.com

Duncan Financial has rates every home owner can afford

Duncan Financial Group

Homeowners Insurance

Home is where the heart is.  It is also one of the most important assets you will ever acquire. It is more critical than ever to make sure your home and all that ”makes it a home” are fully protected. Homeowners insurance must be custom built to prepare you for all of life’s planned and unplanned events.

We provide the professional and personal attention necessary when choosing property insurance. Our experienced insurance advisors offer the best rates, guidance, and coverage – all under one roof. We understand that there are many different needs when it comes to protecting your home, and we work diligently with you as your needs change, grow, or at any other time when you may need us most. We cannot prevent life’s mishaps from happening, but we can help you to be prepared when they do.

Contact us today at 724-863-3420 to speak with one of our experienced insurance advisors. Duncan Financial Group located in PA, will work closely with you to choose the right  coverage for your home, condo, or rental property.

Personal & Commercial Insurance, Risk Management & Employee Group Benefits

Main: 724-863-3420
Toll Free: 888-383-3420
Fax: 724-864-3022

Duncan Financial Group offers competitive edge

Duncan Financial Group

Auto Insurance

We are dedicated to offering customers a smooth ride when it comes to choosing auto insurance. We understand how challenging it can be choosing the right insurance that protects you when life’s mishaps make a wrong turn. Our road to success starts by offering customers a personal approach to selecting the right insurance coverage. In addition we explain your coverages in terms that are easy to understand.

Our insurance professionals understand that auto insurance can be an endless road of twists and turns, and the choices can be overwhelming.  We work one-on-one with you when it’s time to transition from one stage of life to another; when it’s time to trade in that sports car for a minivan, and when it’s time to insure those young drivers who forced you to buy the minivan in the first place. Your vehicles are an important asset, but more important are those who rely on those vehicles to bring them home.

Contact us today at 724-863-3420 to learn how we can save you money, protect your assets, and let you drive off knowing we’ve got you covered. We offer complete and competitive rate plans for every type of vehicle including personal, recreational, and even commercial.

Experience the Duncan difference:

Personal & Commercial Insurance, Risk Management & Employee Group Benefits

Main: 724-863-3420
Toll Free: 888-383-3420
Fax: 724-864-3022

One Source, Infinite Solutions…

Headquartered in Irwin, Pennsylvania – We understand the skills and strategies that are necessary to help clients achieve their goals.  Our experienced professionals know how to make the right moves when faced with the challenges of choosing the most suitable insurance products and financial services.

We offer a new standard of insurance and financial guidance that is unmatched in the industry. Family-owned and operated for over 30 years, our diversified professionals get to know the needs of every client to deliver award-winning services. Built on a solid foundation, our relationships last for generations.

We offer a wide range of insurance products and financial services for individuals and businesses including: auto, home, health and life insurance; investment management, risk management, retirement planning as well as tax and accounting services… all delivered with an elite combination of precision and accuracy to fit your needs. Our clients have comfort in knowing that we can manage all of their insurance and financial needs… under one roof.

Duncan Financial Group
311 Main Street
Irwin, PA 15642
724-863-3420 Main
888-383-3420 Toll Free
724-864-3022 Fax

www.duncangrp.com