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Should I Prepare for El Nino

October 20, 2015 by alamarinsuranceregistrationsolutionsinc Leave a Comment

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In the past weeks weather experts have talked about the weather phenomenon, El Nino.  Television and social media do their job quite well by reminding us about the big waves and mudslides alike that washed away roads and indiscriminately submerged Malibu mansions and hillside apartment buildings. The rivers overflowed, seven inches of rain fell in a single day, and the damage cost California more than $400 million. It was California’s wettest winter on record. It was the El Niño 1997-98. It is difficult to believe that climate models hint the coming El Niño can rival or surpass the 1997-98 El Niño. If you are a homeowner this information will make you wonder, should I prepare for El Nino or is this just for Dooms Day Preppers? Well, the coming rainfall will be unpredictable, but one thing is not: a decade of drought and catastrophic wildfires have left the parched landscape as ill-prepared for torrential rain as it is in need of it. Residents living in low-lying beachfront homes such as those in Seal Beach are aware of their flood risks, but residents living in drought-stricken or fire-ravaged canyons may not be aware that these conditions are uniquely aligned for mudslides. If you live in either of these areas, or just have concerns about the community, you can identify flood risk by entering your address at the government’s Floodsmart Website. Just as an FYI most Homeowners Insurance policies do not cover flooding. Now, if you are not a prepper and getting ready for such things as Solar Storms, Zombie Apocalypses, or the gargantuan El Nino is not your style, here are some ideas you may want to consider in the event we do get heavy rainfall:

Your Home- Routine maintenance is a must for any homeowner

  • Clean and clear gutters or even consider installing mesh guards to gutters.
  • Check all weather stripping to doors and windows
  • Inspect roof for missing/misplaced tiles or shingles. Inspecting your roof twice per year can help you avoid costly problems that can escalate into tremendous cost.
  • Inside your home, check out your ceilings to make sure that you are not experiencing signs of roof or other leakage. Be on the lookout for water rings, mold or wall or ceiling discoloration. Make any necessary repairs to fix the issue and prevent it from happening again during the upcoming rainy season.
  • Make sure that dead branches have been cleared from around your house. This will reduce the risk that they will fall during the storm and damage your home 

Your Car- Ensure a safe ride for yourself and others

  • The wiper blades come first and foremost. It might seem like you just bought them or your car is fairly new, but those thin strips of rubber deteriorate easily in the summer heat. If they’re not clearing rain away, it’s time to replace them.
  • Washer fluid is important too: It cleans better than plain water. Make sure your reservoir is filled.
  • Tire tread is critical for driving on wet roads. A professional can check your tread depth, and here’s a way to do it yourself: Stick a quarter into the grooves upside down. If you can see the top of Washington’s head, it’s time for new tread.
  • It might also be time for new bulbs, so check to make sure they’re all working. Driving with your headlights on while using your wipers is the law, and don’t just rely on daytime running lights or automatic lights because they won’t always activate all the bulbs during the day. Manually switch on the full light system whenever it’s raining so you can be seen by other drivers.

Yourself-no need to explain this one

  • Get a good umbrella…haha, simple investment to make sure you’re not the employee walking in from the wet t-shirt contest outside.
  • Rain boots. If it is raining outside most offices have their heating on, let me just say wet feet and hot air do not mix.

The environment- Save water for those days without rain

  • Harvest your rainwater. Rainwater capture is often performed by simply diverting the flow of rainwater from the roof to a rainwater tank. However, in order to safely do so and minimize the risk of contaminants, it is important to allow the initial flow of rainwater to go to waste, as dust, dirt, and even animal feces can accumulate on the roof beforehand. Use this harvested water for your garden and lawns! A 55 gallon water tank

Contact Alamar Insurance & Registration Solutions Inc. with questions regarding insurance coverage and other ways to prevent a loss to your property. 

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Compliance Services

February 12, 2015 by alamarinsuranceregistrationsolutionsinc Leave a Comment

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We have been busy expanding our services in an effort to assist the Transportation Industry. The FMCSA is aggressively eliminating those operations that consistently violate regulations set forth to protect the public-at-large and drivers themselves. The Transpiration Industry is one of the most highly regulated environments and maintaining compliance is challenging. Alamar Insurance & Registration Solutions, Inc. is now offering Compliance Services that will ensure you stay compliant with State and Federal Regulations. We believe that Truckers are an important part of our economy and its continued success. Our goal is to see your business thrive and not lose sleep over a Compliance Review or Safety Audit. Whether your operation consists of one truck or fleet of trucks, Alamar is dedicated to helping you stay compliant!

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Financial Affects of a Speeding Ticket

October 20, 2014 by alamarinsuranceregistrationsolutionsinc Leave a Comment

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Ever drive on a street or highway and see a police officer with their radar gun pointed in your direction? You quickly look to see how fast you are going and then take your foot off the gas hoping  he doesn’t catch you. Then that dreaded moment comes when you see flashing lights behind you and it’s time to pull over!  A speeding ticket in California may not seem very costly in the beginning with a base fine of $35 for going 15mph over the limit. But when adding the fees and surcharges, speeding related costs can increase to $234 in California! Did you know the actual cost of a speeding ticket in California is 20.27 times the actual cost of the ticket? The big hit to your wallet comes when the conviction or point you receive is now a rating factor of your auto insurance. Drivers will pay an average of $709.59 for a $35 speeding ticket, outrageous right? Here are some important facts to know:                                          

1. Five of the 10 most expensive places to get a speeding ticket in California are in the Los Angeles metro area.

2. The average cost for car insurance in California is $1,038.71, but after a speeding ticket 15 mph over the limit, the average rate increases to $1,197.24.

3. The average percentage increase is 15.22% after a speeding ticket.

4. Contact us to find out which cities are the most expensive to get a ticket

Alamar has many options to assist you in relieving some of the financial burdens after receiving a speeding ticket or other traffic violation. We understand “things happen” and our goal is to make sure your insurance needs are fulfilled without added headaches or stress. Alamar promotes safe driving not only because it is the law, but mostly to help you save money. Contact us today if you have tickets or accidents on your driving record and would like to receive a quote. The quote is free but our service is priceless!

 

 

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Evaluate Your Auto Insurance Premiums

October 8, 2014 by alamarinsuranceregistrationsolutionsinc Leave a Comment

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Got auto insurance? If you do than like most people you probably feel like you pay too much. Yet most people avoid the job of evaluating their auto insurance policy. It does take time, there is a lot of paperwork involved, and let’s face it the words are confusing at times. But evaluating your policy can help you save money along with making sure you are covered with the correct limits. Getting ready to retire? Have a classic car? Taking a safe driving course? These are items to consider while evaluating your insurance premium. When adding up the cost of gas and the monthly payment for insurance, it can definitely become costly, so we at Alamar always find ways to assist you in putting money back in your pocket! Call or visit the office and we will be happy to discuss options for you or even answer questions regarding your current policy. Our goal is to provide the type of service that makes it easy for you to discuss your policy. Visit our social media pages to find out more on how we are educating our clients.

 

 

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Mobile App for Truckers

October 1, 2014 by alamarinsuranceregistrationsolutionsinc Leave a Comment

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DAT offers a free mobile app that could save you money by finding the cheapest nearby fuel. The Fuel Prices function on the MyDAT® Trucker mobile app uses GPS to locate the nearest truck stops and lists current prices, distance to the truck stop and a list of amenities offered. That could save you some serious cash.The most recent Highway Statistics from the Federal Highway Administration show that combination trucks (tractor-trailers) consume an average of 11,310 gallons per year. Here are some other advantages:

  • Fuel prices are updated every 6 hours.
  • Information can be stored locally on your phone, so you can access the most recent updates even if you’re out of cell phone range. 
  • Results can be sorted by lowest price, shortest distance, or the name of the fueling station. You can also specify which direction you’re traveling and the interstate highway you’re on. 
  • The app is free! 

Other useful tools

In addition to saving you money on fuel, the MyDAT Trucker mobile app helps you find:

  • Truck stops
  • Rest areas
  • Nearby loads
  • Scales
  • Hotels for truckers
  • Truck service stations
  • Walmarts
  • Truck washes
  • Pacific Pride stations

It’s available for Android-based smartphones and tablets and Apple iPhones and iPads. 

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Site Launch

January 17, 2014 by alamarinsuranceregistrationsolutionsinc Leave a Comment

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Our new website is finally up. We’ve worked hard to get a beautiful new site ready and we’re proud to show it off. Thanks for reading our blog. We have lots of great blog posts in the works. Please check back or contact us now to find out how we can help you.

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