Six locations to serve you better... Martinsburg, Ranson, Inwood, Parsons, Terra Alta WV & Oakland MD|ronnie@fargoins.com
Blog2018-08-21T17:14:29+00:00

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Well, It’s that time of year: Swimming Safety

SWIMMING RULES

  • Always swim with a buddy.
  • Swim only in the areas that have a lifeguard.
  • Stay out of the water when you are  very tired, very cold or over heated.
  • Follow all swimming rules posted at the swimming area.
  • Obey the lifeguard’s instruction.
  • If you can’t see the bottom of the pool in the deep end or the water is cloudy, don’t swim there.
  • Avoid swimming at night in unlighted areas
  • Don’t chew gum or eat while swimming, you could choke.
  • don’t push shove or run near the water, horseplay can be dangerous.
  • Get out of the water immediately if you see lightening or hear thunder. Lightening can strike from 10 miles away.
  • Swim a safe distance away from diving boards and slides. Never swim under them.
  • Never swim near a dam or boat ramp
  • Avoid swimming in river currents
  • Always be aware of riptides and ocean currents.
  • Always assess the situation before entering any body of water.
  • Always wear or be knowledgable of  the locations of life-vests and life saving equipment.

RULES FOR POOL SLIDES

  • Slides should be at the deep end of pools so that the entry is into at least 8 feet of water and away from diving areas.
  • Go down feet first or in a sitting position. Going down head first is dangerous – you could injure your head, neck or back.

RULES FOR THE BEACH         

  • Always know where the nearest lifeguard stand is.
  • Be sure you know the surf conditions before you get in the water. (riptides and currents)
  • Check for warning flags.
  • Observe danger signs.
  • Swim well away from piers, pilings and diving platforms.
  • Be on the lookout for dangerous marine life.
  • Do not swim with or amongst any marine life. They and you could be mistaken for food to larger predators.
  • If you swim out from shore, remember you have to swim back (possibly against a strong current)
  • If you are caught in a current, don’t try to fight it or swim against it. You can make it back to shore by swimming away from it by swimming perpendicular to the current. (don’t panic)
  • Don’t let anyone pressure you into a dangerous situation or stunt.

RULES FOR WATERPARK  SLIDES, FLUMES AND WAVE POOLS

  • Be sure all areas have a lifeguard.
  • Position yourself carefully before you go down any slide.
  • Don’t be pressured into a stunt
  • In a wave pool be sure you know how deep the water will be when the wave is activated and running.
By |March 21st, 2019|Categories: Uncategorized|Tags: , |0 Comments

We need your input

Here at The Fig, we are taking strides to increase our on-line and social media presence and we need your help.

What is it that makes you follow someone or some business? What would you like to see? What gives you value? We want our posts to be fun and/or entertaining. Let us know what makes you click, read and follow? Let’s face it. Insurance content is pretty boring. You can find a million websites and social media accounts that explain insurance. We want you to be excited to wake up and tackle your day and inspire you to be active with our blogs and posts. Please let us know what your thoughts are.

You can respond by clicking below on any social media platform and sending us a direct message or email me directly at eric@fargoins.com

facebook:

Twitter:

Instagram: @fargoinsurance

With Instagram you must use your phone. You can not link from a computer or laptop. Direct message us.

 

By |March 19th, 2019|Categories: Uncategorized|0 Comments

Employee Profile: Ronnie Fitzpatrick

You could possibly find Ronnie in our Inwood office or you might find him on the basketball court coaching. Either place, you will find him working hard and deeply involved in his community. Wether it be coaching girls basketball or helping a client with insurance needs, Ronnie is an extremely hard worker and we appreciate him and his dedication to whatever he decides to tackle.

Ronnie has been with The Fig for 2 years and has brought with him a corporate management style. He’s extremely dedicated to our insureds and their needs within our community and beyond. A graduate of Shepherd University, Ronnie is proud of his local roots, and his accomplishments on and off the court. We are extremely excited to have Ronnie on board and anxiously await the future and growth of our agency.

There comes a time in ones life when we all need positive reinforcement and Ronnie is the person for the job. Always looking on the brighter side of things and forever upbeat in a time our society is in such desperate need of people always looking on the brighter side of things. His energy and enthusiasm in life is infectious. and we could all benefit from a person, friend or co-worker like Ronnie. This seems rare in today’s society and we welcome his attitude, dedication and determination to make this world and our community a better place to be, live, love and prosper. If you see Ronnie around, make sure to say hi and strike up a conversation or stop by our Inwood office if you like, you’ll be glad you did and you will probably come away from that conversation feeling a little better about yourself and life.

Thank you for being you Ronnie. We wouldn’t have it any other way! Good luck and keep up the great work you’re doing.

Ronnie & Family

 

 

By |March 14th, 2019|Categories: Uncategorized|0 Comments

Making a claim!

 

What to do if you need to report a claim. Wether it be your home/property, your car/boat/motorcycle, your pet or a loved ones life. Here at the FIG, we are committed to our clients and their safety. The first thing one should do is get yourself and loved ones to a safe place away from danger of the elements and surroundings. Remember, if you don’t save and or help yourself first, you can’t help a loved one or anyone else.

Second — Take a breath, assess the situation and call 911 if necessary. Safety is always first. Please don’t worry about the insurance claim at this particular time. We will be there for you through the process.

Third — Make the claim by either contacting someone here at The FIG (304) 276-4915 0r the claims phone number for the particular company that insures your property, pet or person.  You can also make a claim online for the particular company that insures you. Here at The Fig, we represent many different Insurance companies and they all have their own claims process and or contact information. Again, don’t worry we are here to help, that’s what we do. We are here for you through this tumultuous time, that is the business we’re in and we’ve been doing it since 1974.

What information will I likely need to provide?

  • Your name and address
  • Names or addresses of any witnesses or injured people
  • General loss information (what happened)
  • Your policy number if available

What happens after I report a claim?

A claims professional will review the details of your loss and start the claims process. If you have any questions after filing your claim, you must talk and deal with the claims representative working the claim. We can be a go between for you and the claims representative, but the claims rep from that particular company is the key person. We are here to help the process be as seamless as possible.

What should I do if I suffer property loss?

  1. If necessary, protect your property from further damage by making reasonable temporary repairs. Keep a record of repair costs and be sure to keep your receipts.
  2. Notify us
  3. If damage was caused by theft or vandalism, notify the police. Police reports are very important in the process
  4. If your loss is related to a bank electronic fund transfer or credit card, notify your financial institution.

What should I do after an auto accident?

  1. Notify the police.
  2. Collect the descriptions and specific damages to all vehicles, as well as the names and addresses of all people and witnesses involved.
  3. Notify us or the company that provides your insurance with details of the accident, so we can begin the claims investigation.
  4. Promptly send us copies of any letters, notices or legal papers you receive about the accident. You may be asked to submit documentation of your loss. If you were treated for injuries, you may be asked to submit that information as well.

How do I make a glass claim on my auto?

  • If you’re on the road and the damage obscures your vision, pull to a safe location and put on your emergency lights
  • Start your auto glass claim by giving us a call (304) 267-4915 or calling the Insurance company directly or making an online glass claim with that particular company.
  • Pick the date, time and place where you’d like the repair or replacement service performed
  • Make a note of your referral number

Some companies we write auto insurance through have mobil glass repair at your place of convenience, (home or work).

You’re free to have repairs done at a repair shop of your choosing, but please call us at (304) 267-4915 before agreeing to any work.

How do I report claims fraud?

  • Please give us a call (304)267-4915 or contact us online (The FIG) to start this process.

Pet insurance claim

Please contact us by phone (304) 267-4915 or online (The FIG) to help you with this claim. If you have pet insurance be sure to keep any invoices you have paid and we can help you with the claim after your pet has been treated by a veterinarian.

 

Life insurance claims

Dealing with the death of a loved one is never easy. At The FIG, we understand that it can be a stressful time. We’ll do everything we can to make the claims process less stressful for you. We’ve been helping beneficiaries with life insurance and annuity claims since 1974. We care about you and your family and we make extra strides to be compassionate in these difficult times. Remember we are there for YOU!

What documents do I need for a death benefit claim.

In addition to a completed claim, we also may request other documents, such as a copy of the death certificate. The death certificate is the standard form of documentation for a life insurance or annuity claim. A death certificate is issued by an authorized government agency, such as a county health department or local vital statistics office. The funeral home director may be able to acquire or help you acquire a copy.

 

 

 

By |March 12th, 2019|Categories: Uncategorized|0 Comments

Employee Profile: Rodger Cummings

Rodger Cummings

 

You might find Rodger at the county fair or out getting ready for hunting season (Deer) in the fall. You can definitely find Rodger at our Oakland, MD/ Terra Alta office’s. Working on ways to help insure your families. Rodger is actively involved in his community through the local High School FFA’s, county fairs and many other activities throughout the year.

 

Rodger is well versed in the insurance needs of the area. He was with the Jay Shillito and Dave Hansford Agencies respectively, 12 years prior. Someone told me he was pretty good at making wood clocks also. When you see Rodger around town, say hey and tell him thanks for his dedication to the community. We hear at The Fargo Insurance Group (FIG) sure appreciate his community involvement and we’re glad to have him on the team. Keep up the good work Rodger!

 

By |March 7th, 2019|Categories: Uncategorized|0 Comments

9 ways to get ready for spring cleaning

 

Spring is right around the corner — so it’s time to make a few preparations to get your house organized and sparkling clean! With a few housekeeping tips now, you’ll be ready to throw open the windows and enjoy the fresh air. Soon. PROMISE!

PREPARING FOR THE SPRING CLEAN

Get in the mood!

In order for your spring cleaning endeavors to be effective and at least a tiny bit fun, you need to prepare yourself mentally. Focus on how wonderful it will feel to transition into spring with a fresh, clean, welcoming home and set a date that you can keep with your cleaning. Mark it on the calendar, and commit to keeping that date.

Make a list of all the things you want to tackle 

As you ponder how to prepare your home for spring cleaning, the priorities will dictate what gets moved where, what supplies you need purchase, and what you take on first.

Purchase necessary supplies 

Fresh rubber gloves, plenty of cleaners, trash bags, and other supplies that you may need. Stock up on lightbulbs, drain clog remover, door hinge grease, and other small things you may find require fixing along the way

Declutter

In the days leading up to the Big Clean, make little steps toward decluttering. Take out all of the recycling, put away all of your clothes, get rid of old food from the refrigerator, and so on – one of the simplest ways to get your home ready for spring.

Save vacuuming and mopping for last 

Start with dusting all of those hard-to-reach places. Clean ceiling fans, the top of your refrigerator, the top of the TV stand, and light fixtures – whatever places you don’t typically clean on your average house cleaning day. Since you haven’t vacuumed yet you don’t have to worry about getting dust on the floor.

Clean out furniture

Similarly, clean out cabinets and the refrigerator early on. Don’t forget to clean underneath and around the coils, where dust and grime can have an impact on your appliance’s efficiency.

wipe down your walls

A winter of being closed in will likely mean your walls have accumulated more grime and dust than you think they would, being vertical surfaces. As long as your paint can handle a washing, you can use a sponge mop to do the dirtiest work and dry your walls with a soft, clean cloth. If you aren’t sure whether your paint can withstand washing, spot test it somewhere out of sight.

Wash carpets and upholstery 

Especially if you have pets! Fabrics may not show the grime yet, but over time it will set in and stain. Use a carpet cleaner and you will be amazed at just how dirty the water becomes. Similarly, a small upholstery cleaner can be rented for a decent price and will do wonders for your sofa seat. You won’t regret it – just be sure you arrange your schedule to leave enough time for it to dry.

Vacuum and mop 

Lastly, vacuum, mop, and vigorously sweep your entry stairway and walkway. Voila!

HAVE A WONDERFUL SPRING! 

                                                        

 

By |March 5th, 2019|Categories: Uncategorized|0 Comments