Print RSS

A. R. Davis Blog

Halloween Safety

Erika Harvey - Friday, October 24, 2014

Halloween Safety

Halloween can be a frightening time of year. Whether it is the costume you are wearing or letting a child go out unsupervised. Here are some tips on how to stay safe during a fun night of trick-or-treating.

  1. Decorate the child’s costume with reflective tape or wear light colors.
  2. Make sure they have a flashlight for when it gets dark out and is hard to see.
  3. Children under the age of 12 should be accompanied by an adult. If the child is over the age then just remind them that they should be aware of their surroundings and stay with people they know.
  4. Never go to an unlit house and do not accept rides from strangers.
  5. Examine all treats for choking hazards and tampering before eating them.



There are plenty of things to do such as:

-Haunted houses                             -Pumpkin carving

-Corn mazes                                     - Hay rides

-Watch scary movies                      - Trick-or-Treating


Have fun and enjoy the holiday and just remember some of our tips to stay safe on Halloween.




Bad Weather and Property Damage

Erika Harvey - Wednesday, October 22, 2014

Bad weather and Property Damage

When a storm strikes it is important to know what steps to take if your home has been damaged.


Before calling your agent to discuss the recent damages please have your policy number and any other relevant information about your policy ready and in front of you so that you are prepared. Once you have called fully cooperate with the insurance company and ask what steps need to be taken next to make this process as simple and easy for you and for your insurance company as possible.

Second take photographs/video of the damage.

Third you want to get rid of any standing water. The longer the water sits the more damage it will do to your home. When you call your insurance company you can ask if they recommend how to go about how could call to get rid of the water.

After the water has been cleared out of the house clean up any debris and allow your appliances to air dry. Open the windows and doors if the humidity level outside is lower than inside. Fans and humidifiers are very helpful to circulate air. Have your cabinets, closets and any doors open so the air can circulate in their also. Washing down the walls with a disinfectant such as Clorox bleach can help get rid of the mildew and mold. 

Do not have any repairs made until you have discussed with your insurance agent to find out what is covered and what is not covered under your insurance. Your insurance company might send someone out to inspect the property damage.

Lastly and most importantly save all receipts, including those from the temporary repairs covered by your insurance policy.


For future reference here are some ways to help prevent it from happening again:

  1. Replace the materials in your home with water-resistant materials
  2. Check for leaks and cracks. Make sure you check around every door and window to ensure that the seals are watertight.
  3. Fix faulty plumbing. Any leaking pipes, clogged drains should be fixed or replaced.
  4. Make sure that drainage pipes and gutters drain water away from the house and that everything is properly sealed.

Cold Season Is Around the Corner

Erika Harvey - Friday, October 10, 2014

Cold Season Is Around the Corner

It has come to that time of the year when spring has ended and fall is here. The weather starts getting colder, leaves are falling off of trees, and people begin to get sick. To avoid getting stuck with a week or two of feeling unwell and down, which may include everything from a runny nose, itchy sore throat to a cough, congestion, and mild fever here are some preventative steps to help your immune system stay bacteria and virus infection free.


  • Ø Make sure you’re always washing your hands. Use warm water, soap and scrub for at least 20 seconds. If you’re not by a sink then try to carry hand sanitizer with you.
  • Ø Disinfect your home regularly. Spray off surfaces in your kitchen and  bathroom
  • Ø Eat a well-balanced diet. Eating foods that provide the sources of energy and nutrition your body needs will help build a healthy immune system. If cannot eat the foods you need you can also try taking a multivitamin.
  • Ø Get plenty of rest. On average humans require 7-8 hours of sleep every night. Lack of sleep can lower the immune system’s ability to react when needed.
  • Ø Gather supplies. While you’re feeling healthy stock up on a few essentials in case you do get a cold. (Example tissues, cough drops, soup, tea….)
  • Ø Try to avoid sharing. Cold germs can spread very easily by sharing utensils and drinking glasses.
  • Ø Switch to paper goods. By switching to paper towels and paper cups in the bathroom you can toss after one use and be less likely to get sick.


Checklist for winter driving

Erika Harvey - Friday, September 12, 2014

Preparation Checklist for Winter Driving

Driving on ice and in snow can be very dangerous. Always make sure before this weather arrives that you prepare a checklist of everything that needs to be done to ensure a safe winter ahead. Here are some ideas that you can add to your own checklist.

  1. Before winter comes prepare your vehicle for use on ice and snow.
  2. Avoid driving while fatigued
  3. Always wear your seatbelt
  4. Never leave your vehicle unattended with the engine running
  5. Make sure your tires are properly inflated
  6. Keep your gas-tank half full to avoid freezing
  7. Always be cautious of other drivers
  8. Make sure your phone is fully charged before leaving the house encase you need to call anyone of an emergency.
  9. Have back up snow scrapper, gloves, hats, coats, and blankets just in case you get stuck anywhere.


Trusted Choice

Erika Harvey - Thursday, October 24, 2013

Trusted Choice



The A.R. Davis Insurance Agency has joined with Trusted Choice.


Trusted Choice agencies are insurance and financial services firms whose access to multiple companies and commitment to quality service enables us to offer our clients competitive pricing, a broad choice of products and unparalleled advocacy. So having a broad choice of products means that if you are thinking you need anything insured, give us a call. Chances are very good we will be able to write you a policy!



The A.R. Davis Insurance Agency has taken on Trusted Choice’s Pledge of Performance





As a Trusted Choice agency, we are dedicated to you and are committed to treating you as a person, not a policy. This commitment means we shall:


  1. To work with you, your business, or your family to identify the insurance and financial services that are right for you.


2. Guide you through the claims process for a prompt and fair resolution of your claim.


3. Help you solve problems related to your coverage or account.


4. Explain the coverage and options that are available to you.


5. Respond to your requests in a timely manner.


6. Provide 24/7 services for our customers, offering any or all of the following: emergency phone numbers, internet account access, email and call center services.


7. Use our experience and multiple company relationships to customize your coverage as needed.


8. Commit our staff to continuing education so they may be more knowledgeable in serving you.


9. Conduct our business in an ethical manner.


7. Treat you with respect and courtesy


“We pledge this to you, our clients, and ask that you let us know if we fail to meet our commitment, so that we may take corrective action.”


Erika Harvey - Wednesday, September 11, 2013


Today is a day to take a moment.

Take a moment with your loved ones.

Take a moment to count your blessings.

Take a moment to say thank you.


“Time passes, things change, but memories remain.”

 “We are not only stronger, we are closer.”

 Today each individual takes a moment in remembrance of a tragedy that happened 12 years ago today.


Today we acknowledge the hero’s around the world: the mom, the dad, the brother, the sister, the aunt, the uncle, the niece, the nephew, the grandparents, the neighbor, a best friend, a role model, a loved one.

 September 11, 2001 will never be forgotten and we move forward stronger and closer than ever before.


The Freedom Tower

"We will build it to show the world that freedom will always triumph over terror and that we will face the 21st century and beyond with tremendous confidence."



Erika Harvey - Friday, July 26, 2013



Recently there have been weather conditions that have caused extensive flooding. In result to these conditions thousands of homeowners have been affected.


Companies in the Lake Country area like PuroClean (The Paramedics of Property Damage) have a 24/7 EMERGENCY RESPONSE SERVICE. Even with such great service and availability when extensive flooding occurs companies become backlogged with too many claims to handle in a timely manner.  Ohio’s recent flooding has been one such example of the problems that can occur when there are not enough flood experts to go around. In these extreme cases there are several ways to minimize the damage done by the storms, while you wait for professional help.


So what do you do?

Here are some recommendations if you are been affected and are waiting for service!

                                If a restoration company is not available for more then 3 or 4 days…


1. Remove wet Carpeting from the basement. First cut up the carpet into strips roll it up and bag it. The removal of the carpet makes it easier to work around large furniture.



2. If the water is unsanitary, the carpet, upholstered furniture, and drywall should all be removed and discarded.  At minimum gloves, eye protection, and a mask should be worn when handling sewage contaminated materials (stuffed animals, blankets, pillows, etc.)


3. Another important tip is to keep the lights on in the flooded areas and if possible run a dehumidifier or fans to reduce the humidity. This keeps the air moving and will discourage the growth of mold and other unwanted micro-organisms.


4. When cleaning hard surfaces soap and water are recommended over using bleach solutions. Soap will destroy bacteria and move the mold and it’s also less toxic to people and pets.


5. For HVAC equipment, water heaters, or appliances CALL a plumber, HVAC contractor, or appliance repair company to inspect these items before use, because restoration companies typically are not qualified to inspect appliances.


                If at any time you have doubt about what to do wait for a professional to do an assessment. Due to the high call volume we encourage you to be PLEASE BE PATIENT. It’s better to wait for a professional then to take on a project when you are unsure what to do.


Erika Harvey - Monday, May 13, 2013



4.1 million

Did you know this is the number of women between the ages of 15 and 50 who gave birth in the past 12 months?

5 million

                    Did you know this is the number of stay-at-home moms in 2012?

10.3 million

Did you know this is the number of single mothers living with children younger than 18 in 2012?  (Increased from 3.4 million in 1970.)




  • The earliest celebration of mother's in recorded history comes from ancient Greece, when there was a spring festival dedicated to Rhea, the mother of the gods.



                                                        Anna Jarvis

  • The modern version of mother's day was first observed in 1907. Anna Jarvis started a letter writing campaign to recognize mother's day, something she wanted to do to honor her deceased mother.
  • Finally, the US Congress officially recognized Mother's day as a holiday in 1914.




                      In 2009, there are an estimated 85.4 million moms in the United States.


Noun: A women in relation to a child or children to whom she has given birth.

Verb: Bring up (a child) with care and affection: "the art of mothering".

Synonyms: mama - mamma - parent - mom - ma - mum – mummy



                        GIVE HER THE GIFT SHE WILL LOVE THIS YEAR!



A survey conducted by Argos revealed that:

32% of those buying gifts are buying for someone other than their own mother.

46% of gifts will be bought for wives on behalf of their children.

42% will be for mothers in law.

77% of mothers valued a handwritten card more than anything else.

  I have done a lot of research on what the “perfect” gift is for mother’s day.The truth is there is not a perfect gift that will be spelled out for you.Everyone’s mother is different they cherish different moments, different gifts.Give your mother something that will brighten her day, make her smile, and that will tell her you are thankful for everything she does and that you do love her. Make the gift come from the heart not from your wallet.

“Being a mother is perhaps the hardest, most rewarding job a woman will ever experience.”



Erika Harvey - Tuesday, April 30, 2013


Did you know that drinking and driving is the leading cause of fatality in young adults between the ages 15-20?


Did you know every 22 minutes someone dies in an alcohol related car accident?


One of the most amazing memories in high school is prom night.  It’s a night to remember forever, dancing, friends, and pictures. It might be the only time you wear a dress/tux outside of your parents dressing you up and making you go to a wedding, a nice fancy dinner is expected, the attempt of trying to attach a boutonniere is a given. Prom night can be a little pricey, but at the end of the night you know all the great memories are worth it. At the end of the night there is one thing that no amount of money can replace meaning it’s priceless, and that’s a life.

One of the reasons Alcohol Awareness Month is held in April is because it is the beginning of the prom and graduation season, a time when celebrations could turn dangerous.

In 2005, the statistics show that the number of students who died in an alcohol-related accident during the prom and graduation months were 676 students. (This is according to the National Highway Traffic Safety Administration.)




Over the years communities, schools, law enforcement, and even students have taken action to prevent such tragedy.


Most high schools host an event called AFTER PROM! The after prom tradition started in 1993, each year the staff and parents of the student undertake the responsibility of the after prom. The main goal is to allow the students to have a safe memorable night. The student’s do not have to attend after prom to go to the actual prom. The after prom is filled with prizes, food, games, and many other special little surprises.


Most recently, many high schools have tried to come together, to be stronger.

During the upcoming prom season many high schools are introducing “The Prom Promise.”

The Prom Promise is where the students make a promise to themselves. Many schools take a different approach, the most common approach and promise is “I Promise not to drive and drive.”  The students all come together and make their prom a night to remember!


The A.R. Davis Insurance Company recently made a donation to Newbury’s After Prom!

The donation’s go towards allowing the school to provide a safe and memorable After prom.

The after prom is a safe, structured, and supervised by the After Prom committee of the Newbury Booster.


The A.R. Davis Insurance Company would like to wish you a wonderful and safe prom night!




Erika Harvey - Monday, April 22, 2013



Moving is a huge step to take, when you move it can cause a lot of stress and may even bring up a lot of questions.

So why not get those questions answered and your stress level down with RENTERS INSURANCE.

Did you know that when you rent an apartment, condo, or house that the landlord carries insurance? Did anyone also tell you that the insurance your landlord covers does not protect you or your personal belongings? You can even be held liable for injuries sustained by others in your apartment.



If you rent your home, having insurance protection for yourself and your possessions is important. Similar to home insurance, renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances your landlord's policy doesn't cover.



Renters insurance typically provides coverage, up to the limits you select, for specified items and situations.

  • Personal property (furniture, electronics, clothing, etc.)
  • Personal liability if someone is hurt
  • Damage to your apartment or home caused by a covered loss

Renters Insurance is a very affordable way to cover yourself for a variety of unexpected events.

  1. Fire
  2. Smoke damage
  3. Theft
  4. Collapse of the building due to weather
  5. Water leakage or overflow
  6. Freezing of plumbing, air conditioning and more



did you know that YOU’RE renters insurance coverage does not stop when you leave your home!! your personAl property is coverEd in your car, if you go on vacation or just down the street, even when YOU’RE moving. Most Importantly it also protects you!


to learn more about renters insurance contact us at the a.r. davis insurance company!!