News Archives | Raymond Nelson Insurance

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

Review your policy—especially the sections about wind and roof coverage
Ask about exclusions or limitations related to roof age or siding replacement
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.

- Tailgating – Following too closely is a major cause of rear-end accidents. The rule of thumb? Stay at least four seconds behind the vehicle in front of you — more if the weather is bad.

- 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

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:

Collision and comprehensive coverage
Liability protection
Coverage for personal belongings
Roadside or towing assistance
Boating or RV trip interruption coverage

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.

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!

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:

Business liability insurance
Workers’ compensation insurance
Property insurance
Malpractice insurance

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!

Why Winter is the Best Time to get Flood Insurance

When people think about flooding, they often picture spring rains or summer hurricanes. But did you know that winter is one of the most overlooked times for flood risks?

Melting snow, ice jams, and heavy seasonal storms can cause unexpected flooding, leaving homeowners unprepared. That’s why getting flood insurance during the winter months is a smart move—and Raymond Nelson Insurance is here to help you stay protected.

Winter Flood Risks:

Many homeowners assume that if they don’t live in a high-risk flood zone, they don’t need flood insurance. But according to FEMA, about 25% of all flood claims come from low-to-moderate risk areas. Here’s how winter can put your home at risk:

Snowmelt Flooding – A heavy snowfall followed by a sudden warm spell can cause rapid snowmelt. This can overwhelm drainage systems and lead to flooding.
Ice Dams and Blockages – Ice formations on rivers and streams can create natural dams. This can cause water to back up and flood nearby areas.
Winter Storm Surges – Coastal areas are particularly vulnerable to winter storms, which can bring strong winds and high tides. This can lead to flooding.
Frozen Ground Runoff – When the ground is frozen, it can’t absorb rain or melted snow. This increases the risk of surface flooding.

Don’t Wait to get Flood Insurance

Many homeowners are surprised to learn that flood insurance policies usually have a 30-day waiting period before they take effect. If you wait until spring rains start, it may be too late to get covered in time. By securing flood insurance in the winter, you ensure that your home is protected before the risk increases.

Now’s the Time to Review Your Health & Life Insurance, Too

While you’re taking steps to protect your home, don’t forget about your personal well-being. Winter is a great time to review your health and life insurance policies to make sure they meet your needs.

Health Insurance Check-Up – The colder months often bring flu, seasonal illnesses, and unexpected medical expenses. Winter is a great time to check for coverage gaps or better options.
Life Insurance Protection – Life is unpredictable, and ensuring your family’s financial security should always be a priority. Whether you need term life insurance for income protection or a whole life policy for long-term security, we can help. Reviewing your policy now can give you peace of mind for the future.

Whether it’s flood, health, or life insurance, being proactive is the best way to protect yourself, your family, and your assets. We offer personalized guidance to help you find the best coverage for your needs—before the unexpected happens.

Contact us today to discuss your flood, health, and life insurance options and ensure a safer, more secure future.

Setting Insurance Goals for the New Year

The new year is an excellent time to review and refine your insurance plans to align with your current needs and future goals. Here are practical steps to help you set insurance goals for 2025:

Assess Your Current Coverage

Review Policies: Look at your health, auto, home, life, and other insurance policies.
Check Coverage Limits: Ensure your coverage aligns with your assets and liabilities.
Identify Gaps: Evaluate if there are areas where you’re underinsured, such as disability or long-term care insurance.

Update Beneficiary Information

Life Changes: Marriage, divorce, the birth of a child, or other major events may require updates.
Correct Errors: Double-check the spelling of names and other personal details.
Consider Contingents: Ensure you’ve designated secondary (contingent) beneficiaries.

Plan for Milestones

Buying a Home: Consider homeowners or renters insurance upgrades.
New Family Members: Evaluate the need for increased life or health insurance coverage.
Retirement: Adjust coverage based on reduced income and new health needs.

Prepare for Emergencies

Review Riders: Look into optional add-ons like flood, earthquake, or umbrella insurance.
Create a Claims Plan: Know how to file a claim and have key documents easily accessible.
Build Reserves: Ensure you have savings to cover deductibles or uninsured incidents.

Understand Policy Details

Learn Terms: Familiarize yourself with deductibles, exclusions, and policy limits.
Read the Fine Print: Ensure you’re aware of renewal terms and rate increase clauses.

Tips for Goal Setting

Be Specific: Define clear goals, such as “increase life insurance coverage by 20%” or “review all policies by March.”
Set Deadlines: Assign a timeframe to complete each task.
Track Progress: Use a checklist or calendar reminders to stay on track.

Starting the new year with a solid plan for your insurance needs can bring peace of mind and financial security. Take proactive steps now to ensure you’re protected in the year ahead. For more information, contact your Raymond Nelson Insurance agent.

Safe Gift-Giving Guide

December is National Safe Toys and Gifts Month, a campaign aimed at raising awareness about choosing safe and age-appropriate toys to prevent accidents and injuries.

Safe Gift-Giving Guidelines

Follow these tips to prioritize safety when selecting toys:

Check Age Recommendations: Always adhere to the manufacturer’s recommended age range on toy packaging. Toys intended for older children may have small parts or other features that pose risks to younger ones.

Inspect for Hazards: Avoid toys with sharp edges, small detachable parts, and strings longer than 7 inches, too. These strings could pose strangulation risks.

Choose Non-Toxic Materials: First verify that the toy is made from non-toxic, lead-free materials. This is especially important for younger children who are likely to put objects in their mouths.

Look for Quality Certifications: Check for labels like “ASTM” or “CE” that indicate compliance with safety standards.

Despite best efforts, accidents can still happen. This is where liability insurance becomes crucial. If a child is injured by a defective toy or due to negligence, liability insurance can cover medical expenses, legal fees, and other costs associated with the incident, as well.

The Role of Liability Insurance in Toy-Related Accidents

For Manufacturers and Retailers:

Product liability insurance protects businesses from claims related to defective or unsafe products. This coverage ensures financial stability and while safeguarding their reputation in the event of a lawsuit.

For Parents and Gift Givers:

Personal liability coverage is often included in homeowners or renters insurance policies. It can offer protection if you’re ever held liable for an injury involving a toy you gifted.

In short, be sure to follow these safe toy-giving guidelines. We want to ensure that the holidays remain a time of joy, not accidents.

At Raymond Nelson Insurance, we always go the extra mile to find the coverage that best protects what matters most to you. 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.