December 2018

13
Dec

Snow Removal and Your Insurance – Is It Covered?

What New York homeowners should know about snow removal.

New York winters can be especially harsh, especially when the snow arrives. As a homeowner, ensuring that the snow does not become an expensive problem means that you have to clear up after each snowfall. Many homeowners are still unsure about their responsibility when it comes to snowfall. Here’s what you should know.

Homeowners are required by the New York law to remove snow and ice from their walkways, entryways, as well as the sidewalks and parking lots in front or attached to their properties. Under the premises liability law, property owners are responsible for taking reasonable steps to make sure the properties are free from hazards and risks that could endanger visitors.

In New York, you have a certain amount of time to clear the snow from your property.

If the snow stops falling between:

  • 7:00 a.m. and 4:49 p.m. – you must clear within four hours
  • 5:00 p.m. and 8:59 p.m. – you must clear within fourteen hours
  • 9:00 p.m. and 6:59 a.m. – you must clear by 11:00 a.m. the next day

Remember to pace yourself when cleaning snow because it can be a physically-intensive and strenuous task. In cases of heavy snowfall, you may want to consider hiring a service to clean the snow from your sidewalk and driveway.

Homeowners should bear in mind that, even without the hazard of snow, they can be sued if a person falls and sustains an injury on their property. If ice and snow on your driveway cause a visitor to fall and injure themselves, you could be found negligent and liable. This can be a costly outcome for many homeowners. Not only is it a good idea to keep your property in a safe condition, but it is worth ensuring you have enough homeowners insurance protection should you need it.

For the quality homeowners insurance you need to protect you throughout the season, contact the team at Abatelli Group, Inc., serving Whitestone and neighboring cities in New York.

6
Dec

How to Avoid the Dangers of Driving on Black Ice

Top tips for driving in bad winter weather.

Black ice is one of winter’s greatest driving hazards, and it can make New York roads a dangerous place. The thin sheet of ice can appear transparent, meaning that many drivers don’t spot it on the roads and end up skidding. Equip yourself with the knowledge to drive safe and smart so that slippery conditions won’t compromise your next journey.

  • Black ice is more likely to occur at night and in the early mornings when temperatures are low. Keep in mind that the days are usually warmer, but that doesn’t mean the roads will be clear of black ice.
  • Clear the windscreen and lights between setting off so that you can see the roads clearly.
  • When moving off, only a light acceleration is needed. Anything more, you risk skidding and losing control.
  • If you see black ice, move slowly and steadily over it. Keep a straight wheel as turning the wheel could cause you to lose control of your vehicle.
  • Leave as much space as possible between yourself and the vehicle in front. Your stopping distance will increase significantly in wet, snowy, and icy conditions.
  • If you do hit a patch of ice, steer in the same direction as the rear of your car is sliding. Never stamp your foot on the brakes as this could cause your wheels to lock up.
  • Remember that studded tires, snow chains, and a four-wheel drive won’t help. These features can be helpful in heavy snow, but they are virtually useless on black ice.
  • Ensure you have a fully-stocked winter emergency kit in case an accident does occur and you need provisions until help arrives.

Now is the time to review your auto insurance and ensure you have optimum coverage for the winter ahead. To learn more about auto insurancecontact Abatelli Group, Inc. for a quote. We can help you secure reliable Whitestone, NY car insurance coverage!