With all the rain we’ve been having lately, you may be concerned
about potential water damage to your home. However, you may not be
aware that water damage that’s caused when ordinary household
appliances fail can be just as destructive as an torrential rain
According to the Insurance Industry Institute, water damage accounts
for billions of dollars in losses to homeowners and renters each
year. In fact, water is ten times more likely to damage your
home than fire.Fortunately, there are steps that you can take to help
prevent water damage from appliances, and protect your home. It is
helpful to understand some of the common causes of water damage,
which include leaky air conditioning condensation drains, and failed
water heaters, washing machine hoses and plumbing.These household
appliances don’t always offer warning signs until the damage has
already occurred. That’s why it’s important to check them regularly.
The simple steps below can help you protect your home from the most
common causes of water damage:
where the main water supply is located in case of emergency.
If you’ll be
away from home for an extended period, shut off the water supply
and drain the pipes.
having your air conditioning system inspected regularly by a
professional. Check the drain lines annually and clean them if
heaters, showers, tubs, toilets, sinks and dishwashers annually,
and have them repaired if there are any signs of leaks or
corrosion. When possible, install water heaters in areas with
floor drains to minimize damage if leaks should occur.
around showers, bathtubs, sinks and toilet bases, and make
repairs as needed.
refrigerator has an ice machine or water dispenser, the hose
between the wall and the refrigerator should be made of braided
copper, which has greater cracking and corrosion resistance.
for cracks and leaks. Have pipe damage fixed immediately to
prevent more costly repairs in the future.
appliance hoses and plumbing fittings for breakage, crimping or
addition to taking these precautions, you should always review your
insurance policies to be sure that you’re properly protected in case
of water damage or other claims. Call Apollo Insurance Services at 800.426.1088,option 2or click
here or a complimentary insurance review.
your Garden with Spring Blooms!
We all love the first flowers of Spring! The bright pinks, deep
lavenders, and joyful yellows are all true signs of Springtime. Of
course, sustaining visual interest in the garden is a goal for all
garden enthusiasts at this time of year. Boasting flowers of spring
and a manicured lawn is entirely possible to achieve (not just in
those home and garden magazines!). Here are your tips to get your
garden looking its best for Springtime:
quality bulbs – Look for those which are plump and firm.
Avoid those which are soft, mushy, and on the small side.
the right spot – Even healthy bulbs will fail if they’re
planted in the wrong spot. Most bulbs do best when exposed
to the sun and are settled in well-drained soil.
the timing right– Spring-blooming bulbs, such as tulips and
daffodils should be planted in September or October. For
Summer-blooming beauties, such as dahlia and gladiolus, plant in
them deep enough– Generally, they should be planted in a hole
two to three times deeper than the bulb is tall.
them pointy side up – The pointed end should be sticking up.
them good quality soil– Well-drained soil rich in organic matter
helps encourage good blooming.
are plants too – They will always appreciate a good drink
after you plant them.
it easy! – Planning an overhaul of your garden? Let
professionals take the reins for a beautiful outcome.
you many beautiful blooms this Spring!
4 Things to Know about Taxes and Identity Theft
In 2014, almost 18 million people in the U.S. were victims of
identity theft. Two-thirds of them said they suffered a direct
financial loss because of it, according to the Bureau of Justice
During tax season, your personal information is particularly
vulnerable. After all, your Social Security number (SSN) is on W-2
forms, your tax return and other financial documents being sent
through the mail, transported to accountants and otherwise used to
complete your annual IRS ritual. So it’s a good time of the year to
be especially vigilant.
To help, here are four things you should know about identity theft
— from what thieves can do to how you can help protect yourself
— from the Internal Revenue Service (IRS) and Federal Trade
won’t just open new accounts — they can (and will) file
“your” taxes. Someone with access to your data could file a
fraudulent tax return and claim a refund under your name. You
may not know until you go to file your own return and it comes
back rejected. If it happens, call the IRS Identity Protection
Specialized Unit at 1-800-908-4490.
will try to reel you in. Ever get a call or email from someone asking
you to verify your account information or SSN? Legitimate
organizations, especially the IRS, won’t do that. If
there’s a problem with your tax return, the IRS will contact you
can help. If you send tax forms or other sensitive
documents via email, password-protect them. Furthermore,
security software can help keep your data safe, and password
generators will help ensure your various login credentials
aren’t easy for a thief to figure out. As for documents, such as
tax records, store them in a locked desk or filing cabinet and
don’t send them through the mail unless it’s certified.
the crime is a must. Ninety percent
of identity-theft victims don’t alert the police. But
you should. A police report can help prove to financial
institutions and businesses that someone stole your identity. It
also allows you to place an extended fraud alert on your credit
report, get inaccurate information removed, stop debt collectors
from reporting fraudulent accounts and more. This is extremely
important because once criminals have your information; they may
use it to perpetuate many types of fraud.
your identity is, of course, something to be mindful of all year
round – not just during tax season. For more tips, visit
March is National Nutritional Month
Nationally recognized as National Nutrition Month, March is a month
when the Academy of Nutrition and Dietetics focuses on the important
role of healthy eating and including physical activity in daily
routines to control weight and prevent chronic disease.
Your health is significantly impacted by what you eat. If you load up
on nutritious meals, your health will reap the benefits.As it is with
everything, the effects don’t happen overnight. Plan to build up your
better eating habits and physical activity during National
Nutritional Month. Follow these tips for a better chance of health
Never rely on self-control: Increase your
intake of fruits and vegetables while reducing your consumption of
meat, carbs, and sugar. Pretty standard, right? You can stick
to this by stocking up on fruits and veggies and avoid keeping bad
foods in the house. You’ll be less inclined to give into chocolate if
you don’t have it available. Load up early, go light later: Americans
tend to eat a light breakfast or skip it entirely. Then they grab
lunch and eat the bulk of their calories from dinner
Instead, stabilize hunger hormones and avoid evening cravings by
eating a fuller breakfast. This way you will shrink dinner portions
and limit nighttime snacking. Prep snacks: It
can be hard to hunt down healthful snacks on the go – so bring your
own! Pack nuts, trail mix, fruit, whole-grain crackers, and peanut
butter for a healthy snack on the run. Earn your calories: Add
physical activity into your hectic life in different ways,
depending on the season. Go for a walk or run, go to the gym on your
own, or play team sports to burn sufficient calories and maintain a
We at Apollo hope that you enjoy adopting better lifestyle habits in
National Nutrition Month.