Author Archives: spivey

Did you know that heat causes more fatilities per year than floods, tornadoes, lightning, and hurricanes combined? Based on a 10-year average from 1994-2003, heat killed an average of 237 people each year. By contrast, floods killed 84; tornadoes, 58; lightning, 63; and hurricanes, 18. Heat waves can be extremely devastating to the area they hit. For example, the 1995 heat wave that hit the Chicago, IL area killed over 700 people and the disastrous European heat wave of 2003 claimed an estimated 50,000 lives.

But what makes heat so hazardous? When heat gain exceeds the level the body can remove, or when the body cannot compensate for fluids and salt lost through perspiration, the temperature of the body’s inner core begins to rise and heat-related illness may develop. Heat disorders can range in severity often in relation to health and age, but the one common feature is that the individual has either been overexposed or overexercised for the current thermal condition.

Continue reading to learn how you can beat the heat!

Yesterday marked the first day of what is expected to be a more active than usual hurricane season. Lasting until November 30^th, the National Oceanic and Atmospheric Administrative believes this season will see 12 to 18 named storms with six to 10 becoming hurricanes, and three to six of those major hurricanes.

According to forecasters, there are several factors that may contribute to making this hurricane season an above average one. Currently, we are still in an era of more active storm seasons; water surface temperatures in the Atlantic Ocean are higher than normal, and a weakening La Nina is make its presence felt by weakening wind shear.

 

With hurricane season expected to be especially bad, there are some steps you should take and ways to prepare in order to be ready if a hurricane hits your area.

 

 

 

With every family summer vacation and trip to the beach, it’s smart to consider your insurance needs ahead of time. Risk is everywhere when traveling, therefore it is best to plan ahead and consider your options before you depart.

But what insurance should you purchase? That depends completely on your plans. For example, if you are renting an RV or car then you’ll need an auto insurance that cover rentals, or you should purchase the temporary insurance from the rental counter. 

When vacationing and staying at a rental house on the beach or elsewhere, then you will need to make sure your homeowner’s insurance is up-to-date, or you could also consider purchasing renter’s insurance for the time you are away from home.

Also, boat insurance is a wise option to look into if you are spending time on the water in a sailboat, canoe, or some other watercraft, as a protection for your family.

These are just a few types of insurance coverage you may need for your next family vacation. To check out more, visit BankRate.com’s slideshow on Picking the Right Insurance for Summer. And to learn more about a variety of North Carolina insurance coverages, visit our website or call one of our helpful agents today at 877-318-5951!

With Memorial Day Weekend coming up, people all over the country will be traveling. Whether it be to the beach or to see family, the roads are going to be packed and people are getting ready for a family fun road trip. However, that also means it’s time to start thinking about the dangers of driving long distance and how you can get your family prepared. Don’t let your road trip become a wild ride by taking time to get yourself and your car ready. The following is a recent horror story that I experienced that I’d highly advise you’d never want to go through!

With Memorial Day right around the corner, it means summer is here and boating season is underway! For those who pine for the open sea, there’s nothing that compares to a day out on the water. However, boating can be a pricey hobby…even canoes can be costly. Also, depending on what type of boat you have there can be a lot of risks involved. This is where boat insurance comes into play!

Although most people don’t like to think about the extra cost that goes into having an insurance policy, it may be a wise decision to relieve your mind and let you fully enjoy your boating experience. Also, it may be necessary since some marinas or yacht clubs won’t let you dock without proof of insurance.

Within the insurance industry there are generally three categories of watercraft: Boats (Under 25 feet, 11 inches in length), Yachts (Generally 26 feet or longer in length), and Personal Watercraft (Jet skis, wave runners, and other personal watercraft).

There are few things in life that are riskier than launching and running your own small business. With the amount of time and money put into the business, it’s neglectful to extend the financial risk by not insuring your business. In order to preserve those long hours and help you sleep better at night, it is suggested that every small business should have three types of insurance: liability, property, and workers compensation insurance.

Workers compensation is required by state law for persons with one or more employers. However, it is wise to also at a minimum purchase both liability insurance and property insurance. For one, small businesses are more at risk financially because they have far more to lose and lack the amount of resources that larger companies have access to.

With small business insurance, the key is to insure for the worst and hope for the best…continue reading to learn more about property and liability insurance for businesses and to learn some tips to save you the most money!

 

With the Mississippi River at record levels and all of the actions taken to try to control the flooding, everyone has the dangers of a flood on the mind. In Memphis, TN the river crested at almost 48 feet, which is 16 feet above flood level and close to the record 48.7 feet from 1937. The latest action taken, the opening of the Morganza spillway a major floodgate which hasn’t been opened in four decades, has caused a mass evacuation and could affect up to a 3,000 square mile area and up to 25,000 people. While many are being affected, this option was the lesser of two evils and protects the more populated cities of Baton Rouge and New Orleans along with the many oil refineries and chemical plants along the lower reaches of the Mississippi.

While many of those being affected are warned yearly that they are in a danger zone, most never believe something like this could happen to them. However, there are several ways that people can be prepared for a flood to best minimize the damage physically, finicially, and mentally. Continue reading to learn about the many ways to be ready in case something like this were to happen to you!

With Mothers’ Day around the corner, it’s the time of year where everyone starts thinking about all of the things their mother did or still does for them. From patching up “boo boos,” to chauffering you around your whole entire childhood, a mother essentially works all kinds of jobs. But with everything they do, how much is a mother truely worth?

At Spivey Insurance Group, we’re always eager to hear from the people that matter most….our customers! We know the only way our business can serve you better is by listening to what you have to say. So let us know what’s on your mind. Did you have a good experience with one of our friendly and helpful agents? Did they save you a lot of money on one or all of your policies? Then type it up and share your experiences with everyone on the testimonials page of our website. We can’t wait to hear from you!

Continue reading to hear from some of our customers who have already shared their experiences with Spivey Insurance!

With the record amount of tornadoes that have touched down in the United States in 2011, maybe it’s time to get yourself ready in case one hits your town. So far in just the month of April, there have been more than 600 reports of tornadoes across the US. Although that number only takes into account those reported or sighted and not actually confirmed, the number is still huge for a single month (the previous high confirmed in April was 267 in 1974). More that 100 tornadoes have been reported in both Alabama and North Carolina, with the average annual in NC normally being only 19 tornadoes. On just the weekend of April 16th, over 60 tornadoes hit the state and caused widespread damage. Are you ready to learn about how to prepare you and your family in case one of these damaging whirlwinds strikes your area? Continue reading to learn some steps to be ready!

                                        *Tornado reports April 1-24, 2011 in the Central and Eastern U.S.

According to the House Rabbit Society, thousands of baby rabbits are purchased as gifts every year for Easter or used as props for the holiday. However, what most people don’t know is the amount of commitment it takes to having a rabbit as a pet. Did you know that rabbits can live anywhere from seven to ten or more years and require the same long-term care as dogs and cats? Most people don’t, and that is why many of them are left abandoned in the weeks and months that follow the holiday when children get bored with them or parents realize that they can wreck havoc on a home. Once the novelty of Easter wears off, the interest in the pet bunny fades and it is left to fend for itself in the wild or given away to an animal shelter. Still interested in purchasing a rabbit for Easter? The following are some things to consider before adding a furry friend to your family pets….