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Helpful Information

Safe Winter Driving Tips
When traveling during the winter, it pays to be prepared for the unexpected. There are three key elements to safe winter driving. Drive according to current road and weather conditions. Keep a safe distance between you and the vehicle in front of you. Avoid situations where you may have to brake suddenly on a slippery surface.

Important Tips:

Winterizing Your Home

Winter is here and it’s very important to check for potential weather-related problems throughout your home. The earlier a problem is detected, the easier it usually is to fix. The steps you take in winterizing your home will protect your property and save you money in heating costs.



Winter Safety Tips

During the winter there are many factors that put your children at risk for injury including gatherings at the homes of friends and family, enjoying outdoor activities such as sledding and skiing, and keeping warm and dry while enjoying winter activities. Here are some tips to keep your child safe this winter:

The Lead Hazard Mitigation Law

The Lead Hazard Mitigation Law was implemented on November 1, 2005, and is designed to provide all Rhode Island residents with access to housing that is adequately maintained. The Law sets minimum standards that will help to keep properties safe and healthy for residents and is intended to improve the overall housing stock in Rhode Island.

To Comply with this new law, you must:

Lead insurance is available if you comply with the Lead Hazard Mitigation Law. Insurance will be available through your current insurer, another insurer, or through the FAIR Plan. For more information, call the Rhode Island Lead Technical Assistance Center at 1-800-570-0768 or visit www.hrc.ri.gov/mitigation.html

Preventing Frozen Pipes

When frigid arctic air hits, water freezes and it expands causing pipes to burst and possibly flooding to occur. Pipes that freeze most frequently are those that are exposed to severe cold, such as outdoor hose bibs, swimming pool supply lines, water sprinkler lines and water supply pipes in unheated interior areas such as basements, crawl spaces, attics, garages or kitchen cabinets. Pipes that run against exterior walls that have little or no insulation are also subject to freezing.

You can avoid frozen water pipes with a little planning and a few simple steps. There are several things that people can do to prepare for freezing weather, and there is one important thing everyone needs to know. Determine where the water shut-off valve is in the house and how to use it in case pipes freeze and break. You can prevent the freezing of water supply lines and pipes by following these recommendations:

Should You Consider Flood Insurance?
Flooding is the #1 natural hazard in the United States, but flood damage is excluded under traditional homeowner’s and business policies. You can protect your home and property by purchasing a flood insurance policy separately from the Doorley Agency. Flood insurance is only available where the local government has adopted adequate flood plain management regulations under the National Flood Insurance Program (NFIP).

Flood insurance is classified as a "catastrophic" insurance and was intended to assist homeowner’s and businesses in regaining their bearings instead of total recovery. It is available to protect homes, condominiums, apartments and non-residential buildings, including commercial structures. Flood insurance basically covers direct physical damage to the main house and its foundation as well as erosion damage but does not cover structures extended over water or structures other than buildings.