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If a tree falls, who’s responsible?

Our partners at The Cincinnati Insurance Companies wrote a very informative article on avery common situation homeowners face: fallen branches and fallen tree damage. Do you know who is responsible if your tree falls on your neighbor’s property and causes property damage? You can read their take on
The Cincinnati Insurance Companies blog.

If you have any questions about fallen trees or storm damage in regards to your homeowner policy reach out to us

How to Prepare for Hurricane Season

Hurricane Damage


Precautionary measures can temper the ravages of these destructive storms


Hurricanes can shatter lives as well as damage property. Being prepared can help you, your family or your business minimize the impact of the storm. The best way time to start is before the threat is imminent. Here’s what you need to know.

Don’t wait until a hurricane watch is issued, because it may already be too late to take certain precautions. Reduce property damage and get through any hurricane emergency with less stress by preparing before the season begins.

1. Plan your evacuation route well ahead of time

If you live on the coast or in a mobile home, you may have to evacuate in the event of a major storm.

While you’ll no doubt get instructions from the local government, it’s wise to create your evacuation plan well before a disaster strikes. This way, you can know ahead of time about the nearest shelters, take your pets into account in your plan, make sure to take important papers and make a trial run.

2. Keep non-perishable emergency supplies on hand

When a hurricane warning is issued, people run for the stores. As much as possible, get ahead of the rush having the following on hand:

  • Extra batteries
  • Candles or lamps with fuel
  • Matches (keep these dry)
  • Materials and tools for emergency home repairs–such as heavy plastic sheeting, plywood, a hammer, etc.
  • Prescription drugs
  • A three-day supply of drinking water
  • Food that you don’t have to refrigerate or cook
  • First aid supplies
  • A portable NOAA weather radio
  • A wrench and other basic tools
  • A flashlight

If you need to evacuate, you’ll bring these supplies with you. As expirations dates approach (for example, food or batteries), use the items and replenish your emergency stash.

3. Take an inventory of your personal property

Creating a home inventory will help ensure that you have purchased enough insurance to replace your personal possessions. It can also speed the claims process, substantiate losses for income tax purposes and is helpful should you need to apply for disaster aid. In the event you need to evacuate, be sure your home inventory is among the important documents you take with you.

4. Review your insurance policies

This hurricane season insurance checklist can help you to understand your coverage and whether it’s adequate to repair or rebuild your home, if necessary, and to replace your belongings

Keep in mind that your homeowners insurance covers the cost of temporary repairs for hurricane damage, as well as reasonable additional living expenses (ALE) over and above your normal living expenses if you have to relocate (such as the extra expense of getting to work or to school if your temporary home is in a different community).

However, your homeowners policy doesn’t cover flood damage, so you may want to consider looking into flood insurance. If you live by the coast, you may also need a separate policy for protection against wind and wind-blown water damage.

If you have questions about what your current policy will cover or need to augment your current coverage, contact your insurance professional.

5. Take steps to protect your home

Hurricane force winds can turn landscaping materials into missiles that can break windows and doors and much of the property damage associated with hurricanes occurs after the windstorm when rain enters structures through broken windows, doors and openings in the roof.

While retrofitting your home to protect against these possibilities is undoubtedly an expense, you can do it in stages.

  • Replace gravel or rock landscaping materials with shredded bark, which is lighter and won’t cause as much harm.
  • Cut weak branches and trees that could fall on your house and keep shrubbery trimmed.
  • Install storm shutters to protect your windows from breakage. Alternately, fit plywood panels to your windows, which can be nailed to window frames when a storm approaches.
  • Make sure exterior doors are hurricane proof and have at least three hinges and a dead bolt lock that is at least one-inch long.
  • Sliding glass doors should be made of tempered glass and, during a storm, covered with shutters or plywood. These types of doors are more vulnerable to wind damage than most other doors.
  • Replace old garage doors and tracks with a door that is approved for both wind pressure and impact protection. Wind coming into your home through an opening this large poses grave problems for the rest of your home—especially your roof.
  • Seal outside wall openings such as vents, outdoor electrical outlets, garden hose bibs and locations where cables or pipes go through the wall. Use a high quality urethane-based caulk to prevent water penetration.
  • If you have a boat on a trailer, know how to anchor the trailer to the ground or house—and review your boat insurance policy.

6. Take steps to protect your business

Hurricanes take a toll on businesses, too so be prepared.

  • Keep contact information for employees, suppliers and vendors current so you can check on their wellbeing and communicate next steps for resuming normal business operations.
  • Review your business insurance policies in order to understand what’s covered.

For more preparedness tips, handy checklists (including ones you can personalize yourself) and evacuation planning advice to cover a variety of disasters, get the I.I.I.’s Know Your Plan app. It’s a great tool to help get you and your family—including pets—organized and ready to act more quickly if an emergency strikes.

State Fire Marshal: Don’t Give Fire Safety A Summer Vacation


NASHVILLE – With the arrival of summer, the Tennessee State Fire Marshal’s Office (SFMO) reminds Tennesseans to not send fire safety on vacation this year. Although summer in Tennessee has not proven to be as deadly as winter, historical fire data gathered from Tennessee fire departments reveals that summertime brings the Volunteer State its own set of fire-related dangers. For example:

  • The second week of July—which includes the Fourth of July weekend—is the most dangerous week of the summer when it comes to structure fires. While some of the risk can be attributed to an increase in fireworks-related fires, other summer-related activities like outdoor grilling, camping, and lawn care also contribute to inherent fire risk.
  • Over the last five years, Tennessee fire departments have reported an increase in certain types of equipment-related structure fires during the summer months. Air-conditioning units and outdoor grills are twice as likely to cause fires, while lawnmowers are three times as likely.
  • The third week of June is the second most dangerous week of the summer when it comes to structure fires, in part due to an increase in air conditioning related fires.

“I urge Tennesseans to take fire safety seriously this summer in order to better protect themselves, their loved ones, and their property,” said State Fire Marshal and Department of Commerce & Insurance Commissioner Julie Mix McPeak. “In addition to staying hydrated and checking on elderly neighbors during the hot summer days ahead, I also urge Tennesseans to leave fireworks to the experts and always use caution when grilling outdoors.”

To help Tennesseans stay safe this summer, the SFMO shares the following summer fire safety tips:

Around the House

  • Remove leaves and trash from carports and garages as combustible materials are dangerous if exposed to heated automobile or lawn care equipment components, especially those on the underside of the vehicle or lawn mower.
  • Never refuel a lawn mower while it’s still hot.
  • Always let lawn mowers and other gas-powered equipment cool down before storing them inside.
  • Check gasoline containers for leaks. Never bring gasoline indoors, even in small amounts. Store gas containers in an outbuilding, detached garage, or a shed outdoors.
  • Use gasoline only as motor fuel, never as a cleaner.
  • Rags that have been used to clean up spills of combustible or flammable liquids such as gasoline, paint thinner, oil-based paints, stains, and varnishes can start a fire if not handled with care. Never leave these cleaning rags in a pile. Take them outside to dry, then place the dried rags in a tightly-covered metal container filled with water and detergent solution to break down the oils.
  • Lit citronella candles and torches should be placed outside out the reach of children and well away from flammable materials such as overhangs or branches. Ensure flames are completely extinguished before leaving the area or going to bed.
  • Always observe burn bans and check with your local and state authorities on outdoor burning regulations.
  • Ensure your home is equipped with working smoke and carbon monoxide alarms in sleeping areas and on every level of the house.
  • Practice a home fire escape plan with all occupants that includes two ways out of every room and a designated outside meeting place.

Out and About

  • Choose a hotel or vacation rental that is equipped with both smoke alarms and fire sprinklers.
  • If you are going on a trip, turn off or unplug unnecessary appliances and electronics before you leave the house.
  • Never throw lit cigarettes out of a car as they have potential to ignite dry vegetation and other combustible materials.
  • Build campfires at least 15 feet away from tent walls, shrubs or other materials that burn. Never leave the camping area without putting out the campfire.
  • Ensure working smoke and carbon monoxide alarms are installed inside vacation rental homes, campers, and RVs.
  • To prevent injury, consider attending a public fireworks display instead of setting off your own. Children should not handle or ignite fireworks, including sparklers.

To avoid the dangers of electric shock drowning, make sure children and loved ones understand the importance of not swimming anywhere there could be electricity, such as marinas and boatyards. The SFMO has recently completed an inspection of Tennessee’s public marinas and docks.

Severe Weather Tips

Severe weather tips from TN Department of Commerce & Insurance

Fireworks Can Be Fun, But Watch Out

Tips for a Safe Fourth of July — From Food to Fireworks

Posted by Safeco June 15, 2015

Memorial Day might be the unofficial start of summer, but Independence Day is when the season truly kicks into high gear. July 4 is a holiday that has something for everyone, whether you like to host (or attend) backyard barbecues, get out on the water or just hang out at home and watch the “bombs” bursting in air once the sun sets.

As you celebrate America this year, however, keep safety in mind — those fireworks aren’t the only holiday staple that can be dangerous.

Along with using plenty of sunblock and staying hydrated, follow these tips to help ensure that you, your loved ones and your friends all have a great Fourth.

Food Safety

Whether you’re hosting a gathering or attending one, you’ll want to make sure the food you’re serving — and eating — is safe. The following U.S. Department of Agriculture guidelines can help:

  • Cook food thoroughly. Steaks, chops and roasts (beef, pork or lamb) should have a minimum internal temperature of 145 degrees Fahrenheit before being removed from the heat source. Ground meats need to be at 160 degrees and poultry at 165.
  • Keep hot food hot and cold food cold. You can keep cooked meats warm by placing them to the side of the grill rack, in a warm oven or in a chafing dish. Place dishes holding cold foods on ice.
  • Bringing food to the party? Use an insulated cooler with ice or ice packs to minimize the growth of bacteria.

On the Road

According to the National Highway Traffic Safety Administration, the July 4 holiday period ranks as the nation’s deadliest in terms of people killed by drunk drivers. So, if you’re heading somewhere to enjoy the fireworks or just driving to a friend’s get-together, plan ahead: Have a designated driver or don’t drink at all.

On the Water

Spending the holiday on a boat? Lucky you. Just make sure all the equipment is operating properly and that you have the right supplies on board. Here are two more recommendations from the Coast Guard:

  • If you’re driving the boat, don’t drink or use drugs. That should go without saying, but it’s still a problem — alcohol use is involved in about a third of all recreational boating deaths.
  • Everyone needs a life jacket. A boat needs a Coast Guard-approved life jacket for each person aboard. Kids need their own — adult-sized jackets will not work for them.


Thousands of people are hurt each year by fireworks. In the month around the July 4 holiday, according to the U.S. Consumer Product Safety Commission, 240 people go to the emergency room daily with a fireworks-related injury. Don’t be one of them. Check out these quick tips, along with our fireworks safety post from last year, for some general guidelines:

  • Find a safe place, and be prepared. Always have a bucket of water or a garden hose at the ready. And, never point fireworks at a person, animal, home, tree or car.
  • Make sure adults are present. Kids should never play with fireworks.
  • Don’t stand too close. The most injured body parts in fireworks accidents are the hands and fingers (36 percent), head, face and ears (22 percent) and eyes (16 percent), the commission says. All are pretty important, don’t you think?

While these tips are great, perhaps the best thing about them is this: You can follow them and still have a wonderful holiday with family and friends. Here’s to America — and to you!


**Blog Post Provided by Safeco Insurance Blog** – Check back often for blog postings by Bagley & Bagley Insurance. (

Strong Bones for Strong Futures: Success Begins on the Farm – Westfield Insurance

The sun rises on sprawling green grass and hits a familiar patch of black and white speckled fur. It is just another morning on the farm with a long day’s work ahead. Farm Picture Blog

According to the Midwest Dairy Association, this cow and its peers will be milked two or three times before the sun sets. Crops will be gathered from nearby fields and, combined with animal-based dairy products produced, will be loaded on to trucks for processing and distribution. Here, these items will be packed for purchase and delivery to grocery stores, markets and school district cafeterias across the nation.

Farm-to-table eating has become a common knowledge and preferred concept, with restaurant patrons and home cooks alike favoring fresh, local and nutritious ingredients. A call to integrate better healthy eating options into schools has also been heard by the USDA. The organization set new nutritional standards for meals with implementation by the 2014-2015 school year:

  • Increased volume and variety of fruits and vegetables.
  • Whole-grain rich food offerings.
  • Only 1-percent or fat free milk served.

Adherence to these new standards will help students put their best selves forward, with increased access to the food options they need to succeed. Below, we showcase nutritional element calcium as a critical component for bone development, the variety of food source options that bring these nutrients to growing minds and bodies, and how your farm can make small steps to provide the best produce options for consumption.

Calcium and Bone Development

Calcium, a key element for healthy bones, is not made naturally in the body. It is a nutrient our bodies receive (or do not receive) based on the food choices we make from birth.

And those choices in our earliest years are critical. Not only is 90% of our total bone density acquired by age 18 for females and 20 for males, but our bone density begins to decline after age 35.

The more you intake in your early years, the more you will have built up for your later years, preserving overall strength longer in life.

Milks, Greens, and Beans: Food Sources That Assist

Great calcium comes from a wide variety of sources, giving you and your loved ones many opportunities to reach daily requirements (700 milligrams for children aged 1-3, increasing to 1,300 milligrams by age 9):

  • Animal-based Dairy: skim milk, cheese, yogurt
  • Soy-based Alternatives: soy milk, tofu
  • Leafy Greens: kale, spinach, collards, mustard
  • Vegetables: broccoli,
  • Beans: soy, white
  • Nuts: almonds, Brazil
  • Seeds: sesame seeds
  • Fruit: oranges
  • Herbs: thyme, oregano, basil

Healthy Eating Begins with Healthy Crops

Consumption of crops would not be possible without their growth and creation. It is important for farms to not only know the role that they play in providing for the masses, but the impact that access to quality crops can have on the growth and development of populations.

What could your farm regularly commit to and make sure the best crops are produced? A few suggestions:

  • Reduce chemical components. Go organic where possible, and work to reduce overall reliance on fertilizers, pesticides, and herbicides that can cause damage to the environment and fill produce with chemical residue.
  • Develop strong water retention channels. Ensure soil is at its peak for water retention. Dig channels that hold water and invest in cover crops.

Which farm-to-table essential does your family favor to get the nutrients needed to grow strong? Share in the comment section below.

Image Source: Rochelle Hartman under Attribution 2.0 Generic

A Love for Our Downtown – Fayetteville Square

Bagley & Bagley Insurance is an agency who cares deeply about its roots. Opening in 1907 we have over 107 years of traditions that include some of our local traditions in Fayetteville and Lincoln County. We have been located on the Fayetteville Square since our origination in 1907. Both our exisiting location at 102 College Street East Fayetteville, TN and old location in the Pythian Building or locally known as the “KP” Building or the “Knights of Pythian Buildings” are featured in this video from JMcNeal Services and Fayetteville Main Street including local performers Daniel Harry and Jerry Taylor. We appreciate others who take pride in our downtown and in “preserving its past and preparing for its future”.

A Man’s Worth

Bagley & Bagley believes a man’s worth can be measured by his work, not his words, so they continue to strive to meet their customer’s needs and expectations. Part of meeting those needs is meeting the needs of their community. Lincoln County is close to their hearts and they make arrangements to be involved in community activities whenever possible. Cary has been involved in the community in many different ways including being past President of the Lincoln County Chapter of the American Cancer Society and as coordinator for over 20 Lucy Carter Williams - Local Artistyears of Lincoln County’s Fabulous Fifties Show, a musical montage and a major fund raiser for cancer victims. David serves as a board member of the First National Bank and was a former member and president of the Rotary Club. Battle Bagley was away for several years pursuing a career as a CPA, but his love for Fayetteville brought him back home over 20 years ago to Bagley & Bagley. He continually seeks educational opportunities in the insurance field to better himself for his customers. He recently completed a course giving him the title of Certified Insurance Counselor (CIC).

The Bagley family has deep roots in Lincoln County and they want you to know your insurance needs are their top priority. With four generations of service the stability of this agency speaks for itself and they expect the same from the insurance companies they represent. Bagley & Bagley Insurance is lincensed in Tennessee and Alabama.