The Lutgert Insurance Blog

IMGThe National Flood Insurance Program (NFIP) will be adopting new flood maps for the City of Naples, as well as all of Collier County, early in the summer of 2011. What does this mean for your property? Many areas that were previously located in non flood zones or “X” zones have been remapped into zones that now require flood insurance.

President’s Corner: 10.2009

I find it interesting that most of the automobile Insurance companies that advertise on TV talk more about their “low” premiums than they do customer service, industry knowledge or their desire to do what is right for their clients. Between Geico, Progressive, State Farm, Nationwide and All State they all boast that their premiums are lower than the others.

Having been in the Insurance business for almost 35 years now (where have the years gone) I have learned that price is always important but it is not the only criteria to be concerned with. Purchasing the proper and broadest Insurance coverage available through a financially stable Insurance company at the direction of a quality Independent Insurance agency is critical for your protection. More often than not your independent agent will be able to find the right product for the best price which will bring you something we all want and that is “peace of mind”. Knowing you have purchased the right coverage from an agent and agency that honestly cares about your best interests is what defines the insurance business and what you should be looking for.

Lutgert Insurance was recently honored to receive recognition as a “Choice Awards” recipient voted on by over 6,400 readers of the Naples Daily News. This honor is indicative of the customer service and quality of care that our staff delivers to our clients every day.

I would like to once again thank you for placing your trust with Lutgert Insurance.

Top 10 OSHA citations: OSHA releases FY 2009 data
OSHA has published data on its most frequently cited standards, as well as penalty amounts, for fiscal year 2009 (October 2008 through September 2009). Two construction standards (scaffolding and fall protection) continue to rank at the top, both in terms of being cited and in highest penalties.

Top 10 most frequently cited standards:

Scaffolding, general requirements, construction (29 CFR 1926.451)
Fall protection, construction (29 CFR 1926.501)
Hazard communication standard, general industry (29 CFR 1910.1200)
Respiratory protection, general industry (29 CFR 1910.134)
Control of hazardous energy (lockout/tagout), general industry (29 CFR 1910.147)
Ladders, construction (29 CFR 1926.1053)
Powered industrial trucks, general industry (29 CFR 1910.178)
Electrical, wiring methods, components and equipment, general industry (29 CFR 1910.305)
Electrical systems design, general requirements, general industry (29 CFR 1910.303)
Machines, general requirements, general industry (29 CFR 1910.212)

Top 10 highest penalty amounts:

Fall protection, construction (29 CFR 1926.501)
Scaffolding, general requirements, construction (29 CFR 1926.451)
Control of hazardous energy (lockout/tagout), general industry (29 CFR 1910.147)
Machines, general requirements, general industry (29 CFR 1910.212)
Excavations, requirements for protective systems, construction (29 CFR 1926.652)
General duty clause (Section 5(a)(1) of the OSH Act)
Process safety management of highly hazardous chemicals (29 CFR 1910.119)
Ladders, construction (29 CFR 1926.1053)
Aerial lifts (29 CFR 1926.453)
Permit-required confined spaces (29 CFR 1910.146)

Scott Bills
Director, Loss Control Services
Lutgert Insurance
239-280-3239 (office)
239-398-8014 (cell)
239-262-5360 (fax)

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2009 brings about two important changes for personal lines customers insured with Citizens Property and Casualty Insurance Company (Citizens).

Effective January 1, 2009, any home being insured with Citizens with a value greater than $750,000 located in the “wind-borne debris region” must have opening protection (such as storm shutters or impact resistant windows and doors) that complies with the Florida Building Code. The wind-borne debris region consists of an area where the maximum wind speeds during a hurricane could exceed 120 mph. This includes most of the coastal counties like Collier, Lee, Sarasota, Monroe, Dade, Broward, Palm Beach, etc.

Those homes currently insured with Citizens have until July 1, 2009 to meet these new requirements. Wind mitigation forms will have to be obtained by the insured that show that the home is totally in compliance with these requirements.

As it stands now, if you do not get the required opening protection, Citizens will not offer you coverage. While we should be able to find you coverage in the alternative market, you should be aware that the alternative market can be more expensive and sometimes offers less coverage than you may be comfortable with.

Citizens is revising the policy forms for their personal lines customers that have a “wind only” policy. Effective February 1, 2009, any “wind only” policy written on a single family home will be non-renewed and then subsequently re-written on the new form.

You will be receiving notification from Citizens about these non-renewals and your Lutgert account manager will be contacting you approximately 45 days prior to the expiration date of your policy to begin the rewriting process. Please know that we are well informed on these changes and do not anticipate any issues with the transition.

If you have any questions, please contact your account manager who will be able to help you.