You know that homeowners insurance policies protecting your property include deductibles. This is the amount insured’s pay after a loss before the policy kicks in to pay for the rest of the damage. The question is how large a loss should you pay for before your homeowners insurance takes over? Back when our principals Gary […]
December 9, 2014
A not-for-profit’s board of directors is the community’s connection to the institution and its operations. The board is the source of governance and, in many cases, the fundraising. The non-profit’s success hinges on the selection of a competent, reliable paid director who works within the parameters set by the board. It’s the paid director’s job […]
December 2, 2014
At Scalzo, Zogby & Wittig, we have found that after a major home fire at home, one of the toughest losses is to a family’s personal treasures. We are certainly there for them with insurance on their building and contents, but there are items in every home that are more valuable for the wonderful memories […]
November 25, 2014
You might be like a lot of people here in New Hartford, Whitesboro, and Clinton where you have accumulated jewelry over the years. You have your own collection but have also added to it with gifts or bequeaths from your parents or other relatives. The thing is, all of those little pieces often get stored […]
November 19, 2014
Your employees get together to eat in for lunch and there’s a special at the restaurant in the next town. They order over the phone and one of the group volunteers to pick up the food in their personal car. She’s in a bit of a hurry and on the way rear-ends another vehicle causing […]
November 12, 2014
A friend of ours just made an appointment with his chimney sweep to clean out the creosote and dirt from his fireplace. He told us that his local sweep, located in Marcy, NY, is a Chimney Safety Institute of America (CSIA) Certified Chimney Sweep. That prompted us to take a look at the CSIA website. […]
November 5, 2014
Snowmobiling the Adirondacks…riders come from all over the Northeast to the trails out of Old Forge and Inlet. But for us here in the New Hartford area, it’s only an hour away! Then there’s the Tug Hill with record breaking snowfalls each year and down home trails all over Oneida, Madison, and Herkimer Counties. We […]
October 29, 2014
You’re driving to work minding your own business when you get rear ended by a guy texting his girlfriend. He never even slowed down and he hit you pretty badly. The airbags burst open and you slam into them, spraining your neck and breaking your arm. This is bad for anyone, but it’s big trouble […]
October 21, 2014
Your homeowners insurance policy is there for you to rebuild at today’s construction costs if you experience a serious fire, wind damage, or other covered loss. Actually, here at Scalzo, Zogby & Wittig, we’ve had more catastrophic wind claims in the last year or so than ever before. Our extreme weather here in Oneida, Herkimer, […]
October 15, 2014
We bet you didn’t know it but in 1992 the U.S. Congress proclaimed Customer Service Week to be celebrated every October. This year it’s October 6-10, 2014 and the theme is “Say YES! to excellence” At Scalzo, Zogby & Wittig we’re glad it is because it gives us the chance to tell you about some […]
October 8, 2014
