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Winter Home & Auto Safety Tips

When the temperatures start to dip, it’s not just the chill in the air that you need to prepare for — it’s what that cold can do to your home, your car, and your peace of mind. Winter weather brings beauty and excitement, but it can also cause costly damage if you’re not ready. At Raymond Nelson Insurance, we want to help you stay safe and protected this season with a few smart preventive steps.

Winter Home & Auto Tips

How to Stay Safe in the Cold

Frozen Pipes

Frozen pipes are one of the most common winter insurance claims — and one of the most avoidable. When water freezes, it expands, which can cause pipes to burst and lead to major water damage.


To prevent it:

  • Keep your thermostat set to at least 55°F, even when you’re away.
  • Open cabinet doors under sinks to let warm air circulate around pipes.
  • Disconnect garden hoses and shut off outdoor faucets.
  • Let faucets drip slightly on especially cold nights.
Drive Smart in Slick Conditions

Icy or snow-covered roads can turn even a short drive into a dangerous one. 

Winter driving safety tips:
  • Keep your gas tank at least half full to prevent fuel line freeze-up.
  • Check your tires for tread and proper inflation.
  • Keep an emergency kit in your vehicle. 
  • Avoid cruise control on slippery roads.

And remember: even the most careful drivers can experience an accident in icy conditions. Make sure your auto insurance coverage is up to date before the snow falls.

Prepare for the Unexpected

Winter storms can cause power outages, falling tree limbs, and roof damage.
 To stay protected:

  • Trim weak or overhanging branches near your home.
  • Keep gutters clear to prevent ice dams.
  • Review your homeowners’ policy to make sure it covers winter-related damage, including water and wind.

A quick insurance review can help you understand exactly what’s covered — and where you might need additional protection.

At Raymond Nelson Insurance, we’re here to help you review your coverage, make adjustments, and ensure you’re prepared for whatever winter brings.

At Raymond Nelson Insurance, we’re here to protect what matters most. From safeguarding your home to ensuring your family’s future, we’re your partner in preparation and peace of mind. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800, or contact us online for more information.

Driving After Dark: Stay Safe as the Days Get Shorter

As the days grow shorter and daylight fades earlier, more of us will find ourselves driving in the dark — whether it’s the commute home, errands after work, or evening activities. With Daylight Saving Time over, it’s important to remember that night driving can be just as risky as distracted or impaired driving. Reduced visibility, glare, and driver fatigue can all contribute to making nighttime roads more hazardous.

Here are a few simple ways to stay safe when the sun goes down.

The Eyes Have It
  • The more birthdays we have, the more important it is to get our eyes examined. Get routine checkups and schedule additional appointments if you notice changes in your vision. All in favor say, “eye”!
Clean and Check Your Headlights
  • Dirty or misaligned headlights can cut visibility in half. Give them a thorough cleaning, replace any burned-out bulbs, and ensure they’re aimed correctly so you can see clearly without blinding oncoming drivers.
Keep Your Windshield and Mirrors Clean
  • Even a thin film on the inside of your windshield can cause glare from headlights and streetlights. Use glass cleaner regularly and make sure wiper blades are in good shape.
Watch Out for Fatigue
  • Driving tired can be just as dangerous as driving under the influence. If you feel drowsy, pull over safely to rest or grab a cup of coffee before getting back on the road.
Slow Down and Stay Alert
  • Depth perception, color recognition, and peripheral vision all decrease at night. Lower your speed and give yourself extra time to react to other vehicles, pedestrians, and wildlife.
Minimize Distractions
  • Even a quick glance at your phone can be risky, especially in the dark. Keep your focus on the road, and use hands-free technology only when absolutely necessary.
Adjust for Weather Conditions
  • Fog, rain, or early frost can make night driving even trickier. Use your low beams in fog, slow down in wet conditions, and be extra cautious on cold mornings and evenings when roads may be slick.

The bottom line: With less daylight ahead, now’s the perfect time to refresh your night driving habits. A little extra caution can go a long way toward keeping you and everyone else safe on the road.

 

At Raymond Nelson Insurance, we’re here to protect what matters most. From safeguarding your home to ensuring your family’s future, we’re your partner in preparation and peace of mind. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800, or contact us online for more information.

Celebrating 60: Raymond Nelson’s Story

This year marks an incredible milestone of 60 years in the insurance industry for Mr. Raymond Nelson. What began as a young man’s first job has grown into a lifelong career built on hard work, honesty, and an unwavering commitment to helping others. Raymond’s journey is not just the story of a business, it’s the story of a man who turned determination into a legacy.

Raymond Nelson’s Story

Raymond Nelson is known throughout our community as a hardworking, determined man. At the age of 36, he took a leap of faith and began the journey that would define his career. He built the business that still bears his name today.

After graduating from Muhlenberg Central High School in 1962, Raymond left his hometown for the first time to attend Western Kentucky University. College, however, wasn’t where his path was meant to be. He completed just one class, Chapel, before deciding to return home.

Once back, his father insisted he find a job, so Raymond began working in construction before eventually discovering his calling in the insurance industry. On October 11, 1965, he joined Life and Casualty Insurance Company of Tennessee, earning just $75 a week. For ten years, he knocked on doors, selling insurance across the region from Monday through Friday. This experience that would build both his resilience and his reputation.

In August of 1975, he entered a partnership and co-founded Nelson-Hale Insurance Agency. When his partner later bought out his share in December 1980, Raymond struck out on his own. Just two months later, in February 1981, he opened Raymond Nelson Insurance on Country Club Lane. On that very first day, he had no customers, but with determination and a phone book in hand, he started calling everyone he knew. Slowly but surely, his business began to grow.

By 1984, he found his niche in trucking insurance, serving as the agency’s only salesperson for nine years. At that time, his small but mighty team included a receptionist, a bookkeeper, and one customer service representative. Growth continued steadily, and in 1993, he welcomed another producer to the team.

In April 2011, Raymond expanded again by acquiring J.G. Keown Insurance Agency, merging it with his own and returning to a full-line agency.

Today, Raymond Nelson Insurance proudly serves clients across 23 states with a team of 20 dedicated employees. Just ten years ago, those numbers were 14 states and 10 employees — a testament to his ongoing vision and hard work.

Who would have imagined that a small-town boy from Muhlenberg County, Kentucky — who once dropped out of college — would go on to build one of the region’s most successful insurance agencies? His story is proof that when you find what you love to do, success will follow.

A Legacy Still Growing

As Raymond celebrates six decades in the insurance industry, his story continues to inspire those around him. What started with one man has become a thriving agency built on integrity, service, and heart.

Here’s to 60 years of dedication and a legacy that will continue to grow for generations to come.

How to Create a Family Emergency Plan

September is National Preparedness Month—a reminder that life can change in an instant. Whether it’s a severe storm, power outage, or unexpected emergency, being prepared can make all the difference in keeping your family safe and secure. At Raymond Nelson Insurance, we believe peace of mind starts with preparation. Here’s how you can create a family emergency plan and take simple but important steps to get ready.

Create a Family Emergency Plan

Emergencies are stressful, but knowing what to do ahead of time can save precious moments. Sit down with your family and:

  • Choose a meeting place inside and outside your neighborhood.
  • Assign responsibilities (who grabs the pets, medications, or important documents).
  • Share emergency contacts with every family member.
  • Practice your plan regularly, just like a fire drill.

 

This ensures that when the unexpected happens, everyone knows where to go and what to do. Consult the Red Cross Emergency Resource Library for tips on preparing for, responding to, and recovering from specific disasters.

 

Build a Disaster Supply Kit

A well-stocked kit helps you weather an emergency until help arrives. Consider including:

  • Bottled water (at least one gallon per person, per day for three days)
  • Non-perishable food and a manual can opener
  • Flashlights and extra batteries
  • First aid supplies and medications
  • Important documents (ID, insurance policies) in a waterproof container
  • Blankets, extra clothing, and personal hygiene items
  • Cell phone chargers (including portable power banks)
  • For a more comprehensive list of Red Cross supplies, click here.

Store your kit in an easily accessible location and check it twice a year to refresh supplies.

 

Stay Informed

Sign up for local weather alerts and know how to tune into emergency broadcasts. Having a battery-powered radio can be a lifesaver when the power goes out.

 

Preparedness Brings Peace of Mind

National Preparedness Month is the perfect opportunity to take action. By creating a plan, building a supply kit, and staying informed, you’re giving your family the tools to stay safe during the unexpected.

 

At Raymond Nelson Insurance, we’re here to protect what matters most. From safeguarding your home to ensuring your family’s future, we’re your partner in preparation and peace of mind. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800, or contact us online for more information.

Does My Homeowners Insurance Cover Wind Damage to My Roof?

When strong winds roll through, the last thing you want to worry about is whether your homeowners’ insurance will cover the damage. If you’re dealing with missing shingles, dented siding, or worse after a storm, it’s important to understand what your policy actually protects.

At Raymond Nelson Insurance, we’re here to help you feel confident in your coverage. Let’s break down what homeowners’ insurance typically covers when it comes to wind damage, especially for your roof and siding.

 

Wind Damage Is Usually Covered

Most standard homeowners’ insurance policies do cover wind damage. Wind is considered a “named peril,” which means it’s one of the specific risks typically listed in your policy.

 

If a storm causes:

  • Shingles to blow off your roof
  • Pieces of your siding to detach or crack
  • Debris to damage your home’s exterior

…you’re likely covered—as long as the damage was sudden and accidental.

 

Roof Damage: What’s Covered?

Insurance will typically help pay to repair or replace your roof if:

  • Wind tears off shingles or parts of the roof
  • A fallen tree (caused by wind) damages the roof
  • Wind-driven rain enters your home because the wind compromised the roof

However, there are limits:

  • If your roof is older or already in poor condition, your claim may be reduced or denied
  • Coverage may be based on actual cash value rather than full replacement, depending on your policy and roof age

Pro Tip: Keep your roof well-maintained and document its condition with photos—this helps if you ever need to file a claim.

 

What About Siding?

Siding damage from wind—such as cracks, holes, or pieces blown off—is also typically covered. But there’s a common issue: matching siding.

Insurance will cover the damaged portion, but it may not cover:

  • Replacing all the siding if the original material is no longer available
  • Full siding replacement just to maintain a uniform look

Some policies offer matching siding coverage—be sure to ask us if yours includes this.

 

How to Make Sure You’re Covered
  1. Review your policy—especially the sections about wind and roof coverage
  2. Ask about exclusions or limitations related to roof age or siding replacement
  3. Consider endorsements or optional add-ons, such as:
    • Roof replacement cost coverage
    • Matching siding endorsement
    • Wind/hail deductible options

 

Storm Season Is Here—Be Prepared

At Raymond Nelson Insurance, we don’t just sell policies—we make sure you understand them. If you’ve recently experienced wind damage or just want peace of mind about your current coverage, we’re here to help.

Let’s review your policy together so you can face the next storm with confidence.

 

 

At Raymond Nelson Insurance, we go the extra mile to find the coverage that best protects what matters most: the business you’ve built and the people you love. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800, or contact us online for more information.

Why Making Left Turns May Be Riskier Than You Think

At Raymond Nelson Insurance, we’re always looking for ways to help our clients stay safer on the road. That’s why we’re bringing attention to a surprising statistic: over 60% of intersection crashes involve a left turn. It’s a number that’s causing some traffic experts—and even major companies like UPS—to rethink how we navigate our roads.

So why are left turns so dangerous? And could avoiding them really make that much of a difference? Let’s take a closer look.

The Hidden Risks of a Left Turn

Left turns might seem like an ordinary part of driving, but they’re actually one of the riskiest maneuvers you can make—especially at busy intersections. Here’s why:

  • Multiple points of conflict: When turning left, you often have to cross oncoming traffic, watch for pedestrians, and navigate around cyclists. That’s a lot of potential hazards in one move.
  • Limited visibility: Oncoming vehicles, parked cars, or even other turning vehicles can obstruct your view, making it hard to judge distance or speed accurately.
  • Pressure to make a decision quickly: At intersections without a dedicated left turn arrow, drivers often feel pressured to “go for it” when they see a gap in traffic, which increases the risk of a collision.
What the Experts Say

According to the National Highway Traffic Safety Administration (NHTSA), left-turn crashes are far more likely to result in serious injury than right-turn crashes. That’s one reason traffic engineers in some cities are designing road systems that reduce or eliminate left turns altogether—including more roundabouts, dedicated U-turn lanes, and restricted intersection designs.

Why Some Companies Are Skipping Left Turns

One of the best-known examples of avoiding left turns comes from UPS. Their routing system is designed to minimize or eliminate left turns on delivery routes. The results?

  • Improved safety for their drivers and the public.
  • Significant time savings by avoiding delays waiting to turn.
  • Lower fuel consumption and emissions from reduced idling.
  • This is especially true for trucking companies.

If a global delivery company can save millions by avoiding left turns, imagine the impact it could have on your daily commute.

 

Safety Is Always Worth It

At Raymond Nelson Insurance, your safety is our priority. Whether it’s helping you choose the right auto coverage or sharing tips to avoid common risks, we’re here to help you drive smarter and safer.

At Raymond Nelson Insurance, we go the extra mile to find the coverage that best protects what matters most. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800, or contact us online for more information.

Bad Driving Habits? Here’s How to Break Them.

Let’s be honest — we’ve all developed some not-so-great driving habits over time. Whether it’s rolling through stop signs, glancing at your phone at a red light, or treating speed limits more like suggestions than rules, these small lapses can add up to big risks.

The good news? Bad driving habits can be broken — and this National Safety Month is the perfect time to refocus on the road and make a few simple changes that could save lives.

Common Bad Driving Habits (and How to Break Them)

 

    • Distracted Driving – Texting, eating, adjusting the GPS — these distractions take your attention away from what matters most. Try putting your phone on “Do Not Disturb” before driving and handling adjustments before you hit the road.

 

    • Speeding – Running late doesn’t justify putting yourself or others at risk. Obeying speed limits isn’t just about avoiding tickets — it gives you more time to react and avoid accidents.

 

    • Rolling Stops – A “California roll” might save a few seconds, but it can cost you dearly in a collision. Always come to a complete stop and check for cross-traffic and pedestrians.

 

 

    • Ignoring Turn Signals – It might seem small, but failing to signal can lead to confusion and crashes. Always use your turn signal to communicate with other drivers.

 

Why It Matters — Beyond Safety

Aside from protecting your life and the lives of others, driving responsibly can have other benefits:

  • Lower Insurance Rates: Safe drivers often qualify for lower premiums.
  • Fewer Repairs: Avoiding accidents means fewer trips to the auto shop.
  • Peace of Mind: When you’re driving safely, you’re reducing stress for yourself and others.

 

Refocus. Reset. Drive Safely.

At Raymond Nelson Insurance, we believe small changes can lead to big results. As we observe National Safety Month, we encourage all drivers to take a moment to check in with their habits behind the wheel. A little extra caution can go a long way — and might even save a life.

Stay safe, drive smart, and contact Raymond Nelson Insurance for personalized coverage that keeps you protected no matter where the road takes you.

#NationalSafetyMonth #SafeDriving #RaymondNelsonInsurance

At Raymond Nelson Insurance, we go the extra mile to find the coverage that best protects what matters most: the business you’ve built and the people you love. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800, or contact us online for more information.

Getting Your Boat or RV Ready for Summer Fun?

Summer is just around the corner, and that means it’s time to dust off the boat or RV and get ready for some well-deserved fun in the sun. Whether you’re hitting the open water or heading out on a cross-country adventure, a little prep work now can save you time, money, and stress down the road. Here are some essential tips to help you get your boat or RV summer-ready—and make sure your insurance coverage is up to speed, too.

For Boat Owners:
  • Inspect the Hull and Propeller
  • Test the Battery
  • Review Safety Equipment
  • Check the Fuel System

 

For RV Owners:
  • Examine Tires and Brakes
  • Look Over the Exterior
  • Flush and Sanitize Water System.
  • Check Appliances and Power Systems
     
Don’t Forget About Insurance!

A lot can change in a few months—especially if you’ve made upgrades or added new gear. Take a moment to review your current insurance policy to ensure you have the right coverage for your needs, including:

At Raymond Nelson Insurance, we specialize in helping clients protect their recreational vehicles and watercraft, so you can focus on having fun without surprises.

Need a Coverage Review?

Before you hit the road or water, contact us to review your policy or get a custom quote. We’re here to help make sure your summer adventures are safe, secure, and fully covered.

At Raymond Nelson Insurance, we go the extra mile to find the coverage that best protects what matters most: the business you’ve built and the people you love. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800, or contact us online for more information.

Kentucky Storm Season is Here: Beware of Storm-Chasing Contractors!

April and May bring the peak of severe weather to Kentucky, with high winds, hail, and heavy rains putting homes and businesses at risk. Unfortunately, this is also the time when storm-chasing contractors appear, promising quick and cheap repairs. While some contractors are reputable, many take advantage of storm victims—doing shoddy work or disappearing after taking your money.

How to Spot a Storm Chaser

Storm-chasing contractors move from town to town, targeting storm-damaged areas. Here’s how to recognize them:

  • Unsolicited Offers – They knock on your door, claiming to notice damage you weren’t aware of.
  • High-Pressure Sales Tactics – They push you to sign a contract immediately, often claiming it’s a “limited-time offer.”
  • Lack of Local Reputation – They may have an out-of-state license plate, a temporary phone number, or no local references.
  • Upfront Payment Demands – Reputable contractors don’t ask for full payment before work begins.
  • No Written Estimates or Contracts – They avoid providing paperwork, making it difficult to hold them accountable.
How to Protect Yourself
  • Verify Licensing & Insurance – Always check for a valid Kentucky contractor’s license and proof of insurance.
  • Read Reviews & Ask for References – Look up their business on the Better Business Bureau (BBB) and read online reviews.
  • Get Multiple Quotes – Compare bids from at least three local contractors before making a decision.
  • Avoid Paying in Full Upfront – A reasonable down payment is standard, but never pay the full amount before work begins.
  • Check with Your Insurance Provider – Consult your insurance company before signing anything to ensure your claim is handled properly.
Trustworthy Storm Recovery Starts with Local Experts

When storms hit, you need a contractor you can trust. At Raymond Nelson Insurance, we help policyholders navigate the claims process and connect with reliable local professionals. If you need assistance after a storm, reach out to us first—we’re here to help!

 

At Raymond Nelson Insurance, we go the extra mile to find the coverage that best protects what matters most: the business you’ve built and the people you love. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800, or contact us online for more information.

Maximize Your Insurance Tax Savings

Tax season is here, and while it might not be the most exciting time of year, it presents a valuable opportunity to assess how your insurance policies could help lower your tax bill. Many people don’t realize that certain insurance premiums and expenses may be tax-deductible or provide financial benefits. By understanding the tax implications of your coverage, you can make informed decisions that benefit your bottom line.

Health Insurance Deductions
  • If you’re self-employed, you may be able to deduct your health insurance premiums, including those for medical, dental, and long-term care coverage. Even if you’re not self-employed, out-of-pocket medical expenses that exceed a certain percentage of your adjusted gross income (AGI) may be deductible. Be sure to keep track of your medical insurance payments and expenses to see if you qualify.
Life Insurance and Estate Planning
  • While life insurance premiums are generally not tax-deductible, there are still tax advantages associated with these policies. For example, the death benefit paid to beneficiaries is typically tax-free. Additionally, some permanent life insurance policies build cash value that grows tax-deferred, providing a potential financial planning advantage.
Long-Term Care Insurance
  • Long-term care (LTC) insurance can be a smart investment in your future while offering tax benefits. Premiums for qualified LTC policies may be partially deductible, depending on your age and tax situation. These deductions are subject to IRS limits, so check the latest guidelines to determine how much you can claim.
Business Insurance Deductions

If you own a business, various insurance policies may be deductible as business expenses. These can include:

By deducting these costs, you can reduce your taxable income and improve your business’s financial health.

Homeowners and Renters Insurance

While homeowners and renters insurance premiums are generally not tax-deductible, there are exceptions. If you use part of your home exclusively for business, you may be able to deduct a portion of your homeowners insurance as part of the home office deduction. Additionally, if you suffer a loss due to a federally declared disaster and insurance does not fully cover it, you may be able to claim a casualty loss deduction.

Maximizing Your Tax Benefits

To make the most of these potential tax advantages, keep detailed records of your insurance premiums and expenses throughout the year. Work with a tax professional to ensure you’re claiming all eligible deductions and making strategic decisions about your insurance coverage.

At Raymond Nelson Insurance, we’re here to help you navigate your insurance needs and find policies that offer the best financial protection and benefits. If you have questions about how your insurance coverage could impact your taxes, contact us today!

At Raymond Nelson Insurance, we go the extra mile to find the coverage that best protects what matters most: the business you’ve built and the people you love. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800, or contact us online for more information.