Thursday, December 22, 2016

Get Blizzard Ready in 9 Steps

Are you ready? 


Review this nine-day blizzard preparedness guide to see if you’ve got what it takes to help survive in an extreme winter weather event.

Day 1: Understand winter storm “advisories” vs. “warnings”


Learn to decode key forecast terms to tell hype from threat. An “advisory,” according to the NOAA National Weather Service, implies the weather will be an inconvenience, but manageable with proper precautions. “When a Winter Storm Warning is issued, it’s serious,” says Sean Sublette, a meteorologist with Climate Matters, an independent climate research group. “A ‘warning’ implies a threat to life and property if no precautions are taken.”

Blizzards, by definition, are characterized by heavy or blowing snow, sustained winds in excess of 35 mph and visibility less than a quarter mile for at least three hours, according to the National Weather Service.


Day 2: Identify your regional risks


The Great Plains, Great Lakes region and Northeastern states are more prone to blizzard than other parts of the country, and areas in “Blizzard Alley” — stretching from the Dakotas and western Minnesota to Iowa, Nebraska, southeast Wyoming and eastern Colorado — are affected most, according to a study of U.S. blizzards from 1959 to 2000, according to the NO

But blizzards don’t always stay within bounds. In 2015’s Winter Storm Jonas, 25 people from New York to Kentucky died. The lesson? If you live on the border of blizzard-prone areas, storm tracking is vital when forecasts predict winter storm warnings nearby, says Jeff Schlegelmilch, deputy director of the National Center for Disaster Preparedness (NCDP). The National Weather Prediction Service Winter Weather Forecasts shows how vulnerable your area is to blizzards.

Day 3: Plan for a prolonged power outage

Living without electricity for days, or even weeks, can be fairly typical with winter storms due to driving winds and snow and ice piling up on power lines. Schlegelmilch shares these key points:

· Layer up. You may be without heat if you have an electrical heating system. Collect extra blankets and warm clothes to have on hand.
· Use caution with a generator. Keep generators outside, away from your house. “We see a lot of carbon monoxide poisonings after blizzards,” says Schlegelmilch.
· Develop a Plan B for medical appliances. For people dependent on machines like oxygen concentrators, the loss of power is potentially life-threatening. Contact your local Emergency Management Agency or the Red Cross, to make sure they can support medical appliances.

Day 4: Know the signs of and First Aid for extreme cold health emergencies

“Hypothermia and frostbite are big issues, especially if it’s very cold and windy after a blizzard,” says Schlegelmilch. Frostbite occurs when skin and body tissue freezes and turns pale or bright red and feels cold, hard or waxy, according to the Mayo Clinic, and signs of hypothermia — a dangerously low body temperature — can include:
  • Uncontrollable shivering
  • Slurred or incoherent speech
  • Slow, shallow breathing
  • Clumisness/lack of coordination
  • Low energy or drowsiness
  • Confusion or memory loss
  • Bright red, cold skin (particularly in infants)
If you can’t get to a hospital, focus on heating the victim’s core body temperature, according to the Mayo Clinic. If you’re stranded outside, shield the victim from wind, particularly the neck, head, and areas most affected by frostbite: fingers, toes, nose, ears, cheeks, and chin. Remove wet clothing immediately and replace with warm and/or dry clothing.

Day 5: Practice a water turnoff

One frozen, burst pipe running at four to eight gallons a minute can do tens of thousands of dollars in damage, says Glenn Gallas, vice president of operations at Mr. Rooter professional plumbing service. “You’re looking at an extremely expensive home disaster.”

Locate the water shut-off valve in your home and label it. This valve is typically located in the basement. Practice turning the valve off clockwise by hand, which you will need to do in an emergency if your pipes burst. In rare cases, if your water valve is located outside the home, you may need to use a hex key at the meter box.

Day 6: Stock your car with supplies

In January 2016, hundreds of motorists were stranded on the Pennsylvania Turnpike for more than 16 hours. “Depending on the temperature of the pavement and the air during a snowstorm, a driver can get trapped in less than an hour,” says Sublette.
Beyond a typical kit with flares and a First Aid kit, Schlegelmilch says your winter car worst-case-scenario kit should include:

· A small shovel
· Sand, salt or cat litter to give your wheels traction
· An invertor powered by your car battery. This should last 30 minutes to an hour. Let your engine run 10 minutes to recharge the battery.
· Extra clothing layers
If you’re stranded and snow is accumulating quickly, remember to keep snow away from your tailpipe to prevent a carbon monoxide build-up.

Day 7: Shop for a week’s meals

The general rule of thumb in disaster preparation: have at least a three-day food supply for everyone in your household, including pets. For major snowstorms, Schlegelmilch recommends stocking up for a full week. “I remember one storm where the snow was higher than the standard plows,” says Schlegelmilch. “Some roads didn’t get cleared for a week.”

Your disaster grocery list should include non-perishable nutritious items that are easy to eat such as dried fruit; proteins like canned tuna, beans and nut butters; and shelf-stable (meaning powdered or boxed) milk.

Day 8: Limit your home’s vulnerability

Survey your house for zones vulnerable to heavy, wet snow accumulation, which can cause structures to collapse. Anything with a flat roof (think: carport or porch) is at particular risk and should be cleared first when snow begins to pile up. J.B. Sassano, president of Mr. Handyman home improvement service, cautions against shoveling from a ladder or the roof itself, where you can easily slip and fall. Instead, consider using a telescoping plastic-edged snow rake with your feet firmly planted on the ground and focus on removing excess weight (versus clearing every bit of snow) or hire a professional to assist.

More home improvement recommendations from Schlegelmilch:
* Locate and label the outside vent to your heating system so you can clear away snow buildup, which can block the exhaust pipe lead to carbon monoxide poisoning.
* Have a professional trim branches near power lines

Day 9: Build a community network

Whether you live in a rural or urban environment, develop a plan with your neighbors to check in on each other. In a rural area, that might mean bringing the truly isolated members into town before a storm. In the city, identify elderly or medically fragile neighbors. “In any disaster, it really comes down to neighbor helping neighbor,” says Schlegelmilch. “At its most basic, they might have peanut butter and you may have jelly.”

By Margaret Heidenry
The information is provided for general informational and educational purposes only. It does not constitute professional or expert advice and does not signify an endorsement in any manner. No representations or warranties of any kind, express or implied, are made with respect to this information, including, but not limited to, the completeness, accuracy, timeliness, reliability, suitability, or availability with respect to this article or the information, products, or services. You are solely responsible for any reliance you place on this information, for any injuries or losses incurred, and for decisions made in connection with this information.

For more general tips and tricks of preparedness, contact Farmers Insurance - The Wertzberger Agency at 913-383-3276 or by email HERE

Wednesday, September 28, 2016

Farmers Insurance - Earthquake Coverage

Is your home covered in the event of an earthquake? If this is a concern to you, you'll want to watch this week's Tuesday Topic to learn more about Earthquake Insurance.







For more questions, reach out to Farmers Insurance - The Wertzberger Agency at 913-383-3276

Wednesday, June 22, 2016

Why you may want to think twice about work provided life insurance

As the owner of Farmers Insurance - The Wertzberger Agency, I have conversations with clients about all different types of insurance products. A very regular conversation will be around the product of life insurance. We will have conversations about who should carry it, how much should be carried, and what type should be carried. Inevitably, through that conversation, the topic of life insurance being provided by one's employer will come up and my opinion on it; Should it be purchased? How much should be purchased?

When asked whether a client should purchase life insurance through their employer, my answer is always YES! However, it does come with a cautionary caveat of not to rely solely on work provided coverage to fill one's life insurance need. It should be a part of one's life insurance package, if not just supplementary to the coverage one owns personally.

To expand, think of it this way: There are basically three ways we all leave this earth.

  1. Accident - As in car accident or some other type of unforeseeable incident.
  2. Illness - As in Cancer or some other type of disease.
  3. Age 

When contemplating work provided life insurance, what one needs to realize is that the coverage provided through one's employer normally ceases to be provided if/when one's employment were to stop. Now, think about about the three ways of passing listed above and whether or not work provided coverage would apply to be a saving grace for one's family.
  1. Accident - Will you be employed at the time of death if you were to perish due to some type of accident? - POSSIBLY! Obviously, no one ever knows if/when a tragedy would strike that would cause one to perish due to an accident. It is certainly probable that one would be employed at the time of their passing due to an accident. Their work provided coverage MAY apply.
  2. Illness - Will you be employed at the time of death if you were to perish due to some type of illness? - PROBABLY NOT! In many, if not all, cases if one were to acquire a life threatening disease it would very likely effect their ability to work. This would cause them to have to leave their place of employment and would in turn cause their life insurance to cease, just at the time it is needed most! Some may argue that in some cases work provided coverage can be converted to a personally owned policy but, if that is available, it is normally rated extremely high. Think about it: if one needs to convert work provided coverage it normally means that they can not acquire coverage directly due to a medical issue. This converted policy will VERY likely get paid out and the carrier will rate highly due to that circumstance.
  3. Age - Will you be employed at the time of death if you were to perish due to age? I WOULD HOPE NOT! Obviously we all hope to retire as far before our death as possible. Work provided life insurance would cease to apply when retirement would be reached.
In conclusion, work provided life insurance can be a good PART of one's life insurance plan. Normally, work provided life insurance is very cheap and it allows the applicant to secure the most coverage for a very inexpensive cost. 

One needs to realize that work provided life insurance is cheap for a reason; It very likely will never get used!


If you would have interest in structuring a life insurance plan that you would own/control personally, please reach out to us at Farmers Insurance - The Wertzberger Agency at 913-383-3276 or www.thewertzbergeragency.com

Monday, March 7, 2016

Roadside Assistance

Did you know that just by being a Farmers customer you get roadside assistance? 

DO THIS RIGHT NOW: Save our Roadside Assistance number 1-800-435-7764 in your phone so you are always prepared! 


Use Our Roadside Service - Call 1-800-435-7764

With more than 20,000 towing and road service facilities and 10,000 professional locksmiths, our dispatch service will send the nearest professional to you.
  • Emergency tow – covering up to $150
  • Dead battery/jump-start
  • Flat tire change
  • Lockout entry assistance – if your keys are lost, broken or locked inside your vehicle
  • Roadside winching – if your car is stuck in the mud, snow, ice, or by the side (within 10 feet) of a public paved road
  • Emergency roadside connect — Access police, fire and medical assistance

Or Select Your Own Provider

You may also contact the service provider of your choice, pay the bill and submit for reimbursement.

For any additional questions on Farmers Roadside Assistance or with inquiries about becoming a new client of Farmers Insurance, contact The Wertzberger Agency at 913-383-3276 or click HERE.

Tuesday, January 12, 2016

Top 5 Things to do in Overland Park, KS

Here it is. Your next 5 weekends are set.

Normally, this blog is used for sharing news about The Wertzberger Agency or simply helpful insurance advice. This time though, we thought we'd touch on a topic a little more fun!

In no particular order, we wanted to list the top 5 things to do in Overland Park, KS, when the weekend rolls around and you're looking to have some fun....at least in our opinion because, well, we're the ones writing the blog :) Feel free to add more ideas though!

Picture this: It's Friday night and you're ready to go out...scratch that....let's say it's Saturday night. If you're anything like me, you're a work-a-holic and by the time Friday night rolls around all you want to do is put on your comfy clothes, grab a glass of wine, and catch up on The Real Housewives.

So, it's Saturday night and your better half wants to go out. Well, problem solved! Here are the most fun things to do in Overland Park.

Number 1:
You start your night at Firebirds off 135th. Sit in the bar area with the cool kids; don't get a table. There is a nice fireplace in the bar. You'll love it.

You'll want to get a Black Diamond Pineapple Infused Martini. They are $10/each but worth it. Just get one though because, well, they're $10/each! Split your dinner so you're not lugging around leftovers all night. You're not going to eat them anyways.

After dinner, walk next door to Brewtop Pub. They will have a band playing and chances are the band will be covering 90's music. Dance away and get an Uber home.

Number 2:
You like bowling right?! Ya, no one really does, but it is fun in the right atmosphere! That right atmosphere will be at Pinstripes at Prairie Fire. When you get there, pull right up front. Free valet!

Call ahead to get a lane. When you walk in, let the front desk know it is your first time there and ask for the red bracelet. If they still do this, you'll get a red bracelet that is good for a free glass of wine EVERY time you come going forward.

You can spend your whole night at Pinstripes as they have a, wife approved, restaurant and bocci-ball courts to play too after you'd eat.

Be sure to have a couple bucks to tip the valet when you'd leave.


Number 3:
Hit up Park Place north of Town Center. Yes, Town Center is technically Leawood, KS, but..close enough. There are plenty of options here for the cool kids.

If you like your sushi in a darkly lit restaurant with loud music pumping, you'll want to go to RA. Get the Las Vegas roll.

For some upscale bar food, go to Gordon Biersch; just don't get the garlic fries. If your night goes well, those garlic fries could put a damper on things later! Save them for lunch with the guys.

If you're looking to spend a few bucks, go to 801 Chophouse but, again, sit in the bar area. Birthdays and Anniversaries are the only exception. Get the noki. It will change your life.

After dinner walk next door to AMC and catch the most recent Jennifer Lawrence movie. You liked Hunger Games, right?!

Number 4:
Top Golf. You know what it is. You know how fun it is. You know there will be a wait. Go, wait, and have fun!








Number 5:
Leave Overland Park! Kansas City is a big city with lots of things to do outside of the Johnson County bubble. Go catch a concert! You can find a list of performing artists in the area HERE.

So there you go! We'd love your feedback on the ideas we missed or totally whiffed at. Feel free to leave comments!