Melendez Insurance

Blog Archives

Blog Calendar

November 2017
M T W T F S S
« Jun    
 12345
6789101112
13141516171819
20212223242526
27282930  

RSS News You Can Use

  • A Hot Price for U.S. Businesses
  • Summer Grilling Fun
    Every year, what should be a fun outdoor occasion for family and friends instead turns into tragedy at nearly 9,000 homes, causing deaths, injuries and tens of millions in property damage. Your Trusted Choice® independent insurance agents can remind you that fire damage and potential liability for injury to friends will be covered by your […]
  • Home-Buying Tips for the Single Guy and Gal
  • Food Trucks: Let Your Food Keep on Trucking!
    Welcome to the world of food trucks! When you picture building your catering business, is the image more truck than tent? The mobile food industry has a long and tasty history in the U.S.
  • Staffing Your Catering Business
    Like many entrepreneurs, you may have begun your catering business as the sole cook and bottle washer. But at some point, you will discover that going it alone not only impedes growth, but is a recipe for burnout and collapse. And you’ll face the question of every successful catering business: How do I find and […]

Melendez Insurance Blog

Tag Archive

What Road Salt Does to Your Car

Tuesday, December 8th, 2015

roadsaltdoestocarThe Chicago Winter is here. And with it comes difficult driving conditions like whiteouts and black ice.

Road salt definitely helps makes the roads safer. A study conducted by Marquette University found that de-icing winter roads with salt reduces accidents by 88 percent and injuries by 85 percent. Each year, state and local agencies spend more than $2.3 billion on snow and ice control operations.

Yet there are some definite downsides to road salt when it comes to your car. Read on to learn exactly how road salt works—and what road salt does to your car.

How road salt works

Salt—a.k.a. sodium chloride in scientific terms—lowers the melting point of water. So while water normally freezes at 32 degrees Fahrenheit, water needs colder temperatures in order to freeze when it’s exposed to salt. The more salt you add, the lower the temperature needed to freeze water is.

The water that results after salt is applied to ice is known as “brine.” This water needs a temperature lower than 32 degrees Fahrenheit in order to freeze. If there’s a lot of snow and ice on a road, the brine will seep into the bottom layers, breaking the bond between the ice and the road. The remaining snow and ice will then float along the top of the brine, making it easy for any passing traffic to break it up for good.

What road salt does to your car         

While road salt is doing good things for road safety, it’s doing something very different when it comes into contact with your car.

Salt creates chemical reactions that can corrode your car. This is especially true if you have any exposed metal on your car.

Two car parts that are especially susceptible to corrosion and rust are the brake and fuel lines. That’s because they’re close to the undercarriage of the car, which takes the brunt of the road salt damage.

So what’s a motorist to do? Fortunately, there are some tried-and-true ways to help protect your car from road salt damage.

  • Take measures in the fall. Give your car a good wash and wax. For the best protection, apply a wax sealant over your wax.
  • Have any scrapes, chips or rust spots repaired before the first snow falls.
  • Refrain from driving behind trucks spreading ice or brine.
  • Get regular car washes. Spray your car down at least once a week if you live in a snowy area. Invest in a wash that cleans the undercarriage of the car at least every few weeks or after a heavy bout of snow and/or ice hits your area.
  • Give an older car some extra TLC.  The National Highway Traffic Safety Administration says that cars are especially susceptible to corrosion after being exposed to road salt for eight years or more.
  • When spring arrives, consider a thorough exterior detailing job.

One way you can protect your car in any season is with the right auto insurance. Talk to an insurance professional at Melendez Insurance to learn more about getting the right coverage at the right price.

What is the City Responsible For?

Monday, October 5th, 2015

What_your_City_Will382x189When things go wrong inside your house, you know the burden’s on you (or your homeowners insurance) to get things fixed.

Things can get a little confusing when something is kind of yours and kind of your city’s responsibility. Who pays then?

While there’s usually no clear-cut answer, the following information can give you some clarity around the issue.

Trees

Trees cause more than $1 billion of property damage in the United States every year. Who pays for that damage can be tricky. And that’s true whether your neighbor’s tree falls in your yard or a tree straddles the line between your property and your city’s property.

If a tree is located between your street and your sidewalk, it is typically owned by the city. So it would probably be your city’s responsibility to remove it if it fell or became damaged. Many cities have an arborist on staff who can let you know for sure.

Trees that fall elsewhere on your property are likely your responsibility. Your homeowners insurance often covers the cost of tree removal, so make sure to check in with your insurance agent to see what your policy covers.

Sidewalks

In years past, cities would typically pick up the tab for any sidewalk repairs. Today, nearly every major American city places at least some—or all—of the responsibility on the homeowner. Your city may have a limited amount of funds to repair sidewalks or a shared cost program in place. No matter what your city offers, it’s a good idea to get a damaged sidewalk repaired ASAP—falls are a major source of homeowners liability claims.

Car damage after hitting a pothole

Many—but not all—cities let you file a pothole claim if your car sustains damage from a pothole on a city roadway. The process varies by city, so check with your city’s roads department to see if they accept claims. Keep in mind there’s no guarantee your claim will be accepted and that payments for damages can have a cap.

Snowplow damage

Snowplows (and other city vehicles) perform essential services for communities.

Unfortunately, city workers who operate these vehicles can cause damage as they perform their duties. Some of the most common incidents include running into a fence or mailbox while snow plowing. If this happens to you, the city’s insurance company will most likely cover the damage. Just make sure to promptly report the incident—some cities only let you report a claim a specified number of days after an incident took place.

These kinds of situations highlight the importance of having the right homeowners insurance and auto insurance. Talk to an insurance professional at Melendez Insurance to learn more about the right coverage and to get a free quote.