Beacon Insurance Group Receives Award from Boys and Girls Clubs of the Lowcountry

On July 16th, 2015 Beacon Insurance Group received a “Pulling for Kids” Community Support award from the Boys and Girls Clubs of the Lowcountry. Recipients were recognized for their significant contributions and support of the Lowcountry Clubs. Ken and Brian attended the annual Boys and Girls Clubs of the Lowcountry meeting and award luncheon to accept the award. Here they are pictured with Russ Whiteford, Chairman of the Board for the Boys and Girls Clubs of the Lowcountry.

Pulling for Kids award ken and brian

We are very honored to have received this special award. We are proud of the outstanding Boys and Girls Clubs in the Lowcountry and all they do for our community!

Water Damage – A Claim Nightmare

Did you know that one of the most damaging claims you can have on a homeowners policy, is also preventable?

Water damages to the interior of your home is likely the homeowner insurance claim you will experience. Statistics show that there is almost a 70% chance you will experience some type of water damage claim, large or small. One statistic, which is extraordinary, is that the EPA estimates that over 25% of homeowners have a water leak to which they are unaware. Scary isn’t it?

Water damage claims can make you home unlivable and in the long run can also bring on hidden mold damage. Mold damage is usually not covered under a homeowner’s insurance policy. There are steps you can take to prevent and minimize the chances for a water damage claim coming from leaking or burst pipes. Many water damage claims occur when your home is unoccupied for a period of time.

Here are some tips for both cold weather and warm weather areas:

  • Insulate your pipes which are most exposed to cold temps
  • Turn off water supply to your washing machine, icemaker, toilets and other bathroom fixtures
  • Install a leak detection system – there are many in the market today. These devices will automatically turn off the water supply should a leak be recognized, perfect for secondary or vacation homes
  • If you have a sump pump test it throughout the year
  • Turn off water to the house and drain pipes if you will be gone for an extend period of time such as months
  • Check you hose fittings to your washer – metal fittings are preferred
  • Shut off supply line to any water softener
  • Replace the water heater per mfg recommendations – may leaks occur due to faulty water heaters

Yes, water damage claims from pipes or internal fixtures are covered by homeowner’s insurance, but put up with the inconvenience and the indirect costs associated with a water damage claim. Any ounce of prevention is always preferred.

Decision Making and Buying Insurance

Did you know that if a person knew the date of their death, it drives up the possibility that they would buy life insurance by over 60%? If people knew there was a disaster coming of some sort, they all want to run out and buy insurance.  Why is that? Maybe not as simple as so they can cash in on the event.

Most individuals who don’t buy insurance or put it off, just do not believe an unfortunate event is going to happen to them. The problem with unfortunate events, we never know when they are going to occur. Most people are terrible planners when it comes to events which have a low probability of causing a loss. They just don’t think it will happen to them.

There have been studies that show insurance buyers will most likely look to insure against common perils or risks which usually cause small losses, instead of large catastrophic risks which have a very low chance of occurring. In essence, people buy based on the chance they can cash in on the insurance, rather than the principle of protecting against catastrophic loss.

If a consumer considers buying insurance, the same way they consider gambling, there is a good chance they will not purchase the insurance. These individuals are looking to invest a small amount of money with the hopes of a large payout.  We have all heard the buyer state “I paid in thousands of dollars over so many years and never collected a dime because I had no claims.” In retrospect that is a good thing, since you did not suffer the direct and indirect losses a claim can cause.

Home Buying Tip: Keeping Insurance Affordable with Wind Mitigation

Home buying is less than overwhelming – but we are here to help, at least when it has to do with South Carolina home insurance. If you are searching for a home and looking to keep your insurance premium affordable we have a suggestion: before purchasing a home, determine if the home has any construction enhancements which make your home eligible for wind mitigation credits.

If you are coming from an area that does not have coastal exposure, you probably have not heard of wind mitigation, so here is a quick run down:

What is wind mitigation? Basically, wind mitigation means the steps that are taken to make the home more resistant to hurricane and high-wind damage. A strong home has the necessary items to protect for this kind of damage. Fewer damages result in lower or fewer insurance claims and will ultimately reduce the insurance premium.

How do I know if a home has wind mitigation? You can ask your real estate agent if the home has any wind mitigation features or if there has been a wind mitigation inspection completed by the previous homeowner. If you are really interested in the home, you could contact a licensed contractor and ask them to perform a wind mitigation inspection for a fee.

What should you look for in terms of wind mitigation?

  • Exterior wall opening protection: hurricane-rated window shutters and impact resistant windows
  • Exterior doors: hurricane-rated garage door rather than a standard garage door
  • Strength of your roof deck attachment: type of nails and/or longer nails that will help prevent shingle and roof plywood from being blown off in a hurricane
  • Roof Cover: Having thicker and stronger hurricane-resistant roof shingles, attached with properly sized and properly applied roofing nails to reduce the chance of your roof shingles blowing off in a hurricane. A newer roof is also helpful!
  • Braced gable-ends in the roof framing: Usually done inside the attic to decrease chances that your roof will collapse under hurricane wind
  • Reinforcement of roof-to-wall connection: metal tie-down straps that attach roof rafters to wall studs to decrease chances that all or a portion of your roof will lift off of your house during a hurricane

Not only do these steps help you gain a lower insurance premium, but they also help in other areas. South Carolina Department of Insurance states that the Homeowners who select to replace their windows with impact resistance systems and hurricane shutters have reported savings up to 29% in their energy costs.

Ken’s Interview with SouthCarolinaHomes: What Influences Your Home Insurance Policy?

South Carolina Homes reached out to us requesting an interview to discuss what concepts influence your South Carolina home insurance policy. Check out Ken’s quick interview here:

Check out my interview, What Influences Your Home Insurance Policy on South Carolina Homes For Sale, one of the top sites for South Carolina real estate, including Johns Island, SC homes for sale. South Carolina Homes For Sale also services North Carolina real estate and Georgia real estate.

Top 10 Events to Attend in June

Summer has officially arrived! While heading to the beach and bike trails is an obvious activity for this time of year, here is a list of some fun events to attend this June all around the Lowcountry!

1. Tuesday, June 3-August 2: Jukebox the Musical, Savannah
Take a short road trip to Savannah to see the #1 downtown entertainment show of the year! Beginning at 8:00pm, music from the 1940’s-1980’s are presented in this fast moving production filled with awesome costumes and comedic skits. Don’t miss it! For more information, visit here.

2. Friday, June 6: The Swingin’ Medallions in Concert, Ridgeland
This energetic group will be performing for the 6th year at the Jasper County Farmer’s Market at 8pm. Food and beverages will be available for purchase. For more information about the event, please visit here.

3. Friday, June 6-Saturday, June 7: 3rd Annual High On The Hog BBQ Festival, Beaufort
Brought to you by Habitat for Humanity, the festivities will begin Friday at 6pm-10pm and continue Saturday from 12noon-4pm. Deez Guys will perform on Saturday and there will be unlimited samples of competitive cooking. There will be plenty to do for the whole family. Please visit here for more information.

4. Friday, June 13: Relay for Life, Hilton Head
Beginning at 7pm at Honey Horn, this family event gives recognition to those who are battling cancer, have beat cancer, and those who have succumbed. To participate with a team, become a sponsor or make a donation, please contact Heather Lanning at the American Cancer Society at 757-7450.

5. Friday, June 13: Bluffton Sunset Party Blues & Brews on the Bluff, Bluffton
This is a kid and pet friendly event. Two local bands will be performing, there will be a craft beer garden and up to 8 local restaurants present. A portion of proceeds will benefit Palmetto Animal League. The event will take place at the Oyster Factory Park on the May River in Bluffton from 5pm-9pm. For more information, visit here.

6. Saturday, June 14-Sunday, June 1515: Bottles and Barrels-A Southern Living Inspired Event, Beaufort
Southern Living Magazine, Habersham Marketplace and Plum Productions is hosting the first annual Bottles & Barrels event that includes a tasting of wines and craft beers as well as a cooking competition. Tasting tickets are $40/person. For more information please visit here.

7. Saturday, June 14: The Parris Island Marine Band Summer Concert, Beaufort
The Parris Island Marine Band will perform their summer concert hosted by the University of South Carolina, Beaufort at 7:30pm. The concert will take place at the Beaufort Center for the Arts on Carteret St. The concert is free of charge but tickets are required. To pick up tickets, visit the Parris Island Band Building 6005 or at the Beaufort Center for the Arts ticket office. For more information, please call 843-228-4967.

8. Tues, June17-Sun July 27: Pump Boys and Dinettes, Hilton Head Island
Come to the Arts Center of Coastal Carolina and watch a musical tribute to life by the roadside. The show includes a combination of comedy and music. For more information on the show and tickets, please visit here.

9. Saturday, June 21: Beach Bum Triathlon #1, Hilton Head Island
The race includes a 0.25 mile ocean swim, 6 mile beach bike and a 3 mile beach run. A pre-race meeting will begin at 7:30 which will include instructions on the race. For more information, please visit here.

10. Saturday, June 28: TD Bank Hilton Head Island Kids Triathlon #1, Hilton Head Island
Located at the Island Recreation Center, the triathlon is for ages 4-14. The children will be broken up into 3 age groups: 4-6 will be swimming 25 yards, biking 0.5 miles and running 0.33 miles. Ages 7-10 will swim 75 yards, bike 2 miles and run 1 mile and ages 11-14 will swim 125 yards, bike 3 miles and run 1.5 miles. For more information, please visit here.

 

Happy June Ya’ll!!

Bowling for the Brave at Station 300

To help support our Lowcountry heroes, Station 300 has a goal to raise $15,000 for two local foundations: Honor our Heroes Foundation and Healing Heroes of the Lowcountry.
Station 300 did a great job organizing ways to support our local heroes. For every game bowled during the entire month of May, $1 will be donated. They also have themed drinks so that when you purchase one, $1 will also be donated.

On Saturday, May 31, Station 300 has a full day planned.

• 10am-7pm: Battle of the Branches: Bowl for your favorite military branch of service!
• 6 pm: Hilton Head Shore Notes performance
• 8pm: Check presentation to foundations and prizes awarded
• 8:30-11:30pm Music by Vinyl on Fire

The staff at Beacon Insurance group couldn’t pass up the opportunity to make a contribution, and have a little fun doing it! The Beacon team headed to Station 300 this past Wednesday for a delicious lunch at Zeppelins Bar & Grill and then laced up to roll some strikes for our heroes! We were honored to meet with Gary Trimm, one of the owners at Station 300, and present him with a check as Beacon’s contribution to our local Hereos.

We couldn’t have had more fun celebrating the men and woman who sacrifice all they’ve got for us! Thank you to ALL of our heroes!

B8

Picture: Brian and Ken presenting Gary Trimm with Beacon’s contribution

 

 

 

 

Top 10 Events to Attend in May

May is definitely one of the most beautiful months in the Lowcountry. The temperature is rising and people are coming out to enjoy the beautiful weather. If you are looking for things to do here in Bluffton, Hilton Head or even Beaufort, look no further! We’ve got our Top 10 Events to Attend in May right here:

1. Friday, May 2 & Saturday, May 3: The 15th Annual Taste of Beaufort

The 15th Annual Taste of Beaufort will be held at the Henry C. Chambers Waterfront Park in Beaufort, SC. Join in for Music, Arts, and Seafood Festival. Arts and Crafts as well as Fresh Markets which open at Noon on Friday followed by the festival at 6pm. There will be live music performed by the Carolina Soul Band. Local restaurants will also be selling seafood as well as many other types of cuisines. Beer, wine and soft drinks will also be available and the festival ends at 10pm. On Saturday, the 5K Bridge Run/Walk will start the day at 8am followed by the Kid’s Fun Run ages 7 and under beginning at 8:45am. The festival will begin at 11am with entertainment, food and drinks. Don’t miss this fun event!

2. Saturday, May 3: 2nd Annual Hilton Head Island Community Beach Bike Ride

Did you know that May is National Bike Month? Come to Coligny Beach Park at 10am and ride the beaches for a 6 mile round trip. For more information, please contact Marcy at marcyb@hiltonheadislandsc.gov or visit http://www.hiltonheadisland.org/event-calendar/details/_2nd-annual-hilton-head-island-community-beach-bike-ride/

3. Sunday, May 4: The Hilton Head Humane Association Annual Dog Walk on the Beach

The 17th Annual Dog Walk on the Beach starts at 8:30am and will be held at Coligny Beach. Join other canine lovers along with your favorite canine companion. There will be live entertainment, food, dancing, giveaways, and the event will have DJ Alan Palchak as MC and entertainer. For more information, please call 843-681-8686 or visit www.hhhumane.org.

4. Sunday, May 4: 10th Annual Yacht Hop

This fundraiser benefits patient care programs at Hospice Care of the Lowcountry and will be held at the Harbour Town Yacht Basin in Hilton Head Island, SC. There will be live entertainment by the Headliners as well as silent and live auctions. Step aboard several beautiful yachts and enjoy delicious hor d’oeuvres prepared by the areas local chef’s. The day will close with dessert and a champagne toast. For more information and to buy your tickets, please call 843-706-2296 or visit hospicecarelc.org.

5. Saturday, May 10: The 36th Annual Bluffton Village Festival “Mayfest”

This event will take place in downtown Bluffton from 10am-5pm. Coordinated by the Rotary Club of Bluffton, the festival will be all things southern and is know for it unique art and crafts, music, and southern cuisine. Don’t miss the 26th annual Ugly Dog Contest or the second annyual Pie Eating contest that takes place during the day. Get out of the house and meet your Bluffton neighbors, this event is surely a hometown favorite! http://www.blufftonvillagefestival.com

6. Friday, May 16: Beach Bum Parade

Starting at 6:30pm, parade floats will have tons of different water-throwing devices. Spectators will line up along Butler Avenue on Tybee Island also with water guns, buckets of water and more. It’s a water-filled battle! Don’t miss it! For more information, visit http://visittybee.com/events/?event_id=59.

7. Monday, May 19: USCB Golf Tournament Fundraiser

The May River Golf Club at palmetto Bluff is holding USCB’s annual Golf Tournament starting at 10:30. Come support USCB while enjoying a fun day of golfing, eating, and drinking. For more information and admission details please visit http://www.uscbathletics.com/splash.aspx?id=splash_8.

8. Friday, May 16: Bluffton Sunset Party Pizzapalooza

Come to the Bluffton Oyster Factory Park from 5pm-9pm with your favorite furry friend! This is a kid and pet friendly Sunset Party with live music, craft beer, and food and activities for all. The events benefits Palmetto Animal League, a No Kill Animal Rescue and Adoption organization. For more information, please visit http://www.bearfootsports.com/blufftonsunset.htm.

9. Saturday, May 24-Sunday, May 25: 6th Annual Hilton Head Island Art Festival

For all you art lovers, join over 150 local and national artists at the Shelter Cove Harbour Saturday and Sunday from 10am-5pm. There will be works or art including mixed media, paintings, glass, jewelry and pottery. All ages are welcome. For more information, please visit www.ArtFestival.com.

10, Saturday, May 31: BBQ & Bluegrass

The Heyward House Historic Center in Bluffton hosts BBQ and Bluegrass from 3pm-6pm. The Lowcountry Boil Band will also be performing! For more information, please visit http://heywardhouse.org/events/.

Top 10 Events to Attend in April

Spring has finally sprung! After a chilling winter, warmer weather is finally making its long awaited comeback! Sunshine and flip-flops are on the radar! Get out there and enjoy the springtime along with some awesome events!

Saturday, April 5- Hilton Head Island Seafood Fest

From 11AM-5PM, join several participating restaurants at Shelter Cove Community Park to taste some delicious dishes. The Headliners will be performing their large selection of music to please everyone’s music pallet! The annual Hilton Head Island Seafood Fest is presented by the David M. Carmines Memorial Foundation and Hilton Head Chrysler Dodge Jeep Ram to help raise money for the American Cancer Society, MD Anderson Cancer Research Center and Island Recreation Scholarship Fund. The Carmines family, owners of Hudson’s Seafood House on the Docks restaurant, established the David M. Carmines Memorial Foundation in memory of their son. Many great restaurants will be participating this year, so don’t be crabby and come enjoy the fun!

Saturday, April 12, 2014- Country Star Justin More performing in Beaufort

Slide on your best pair of boots and head to Beaufort to see Justin Moore and Randy Houser perform live! All seats are general admission and will be $30 for the general public in advance and $35 if they are purchased the day of the concert. Visit http://www.mccs-sc.com/concert/index.asp for more information!

Saturday, April 12-20-Weeki Wachee Mermaids Performing in Charleston

Mermaids! That’s all I have to say. Jump in the car and take the short trip to Charleston to see the World Famous Mermaids of Weeki Wachee Springs State Park perform underwater shows at the South Carolina Aquarium in Charleston. The performers will perform three shows daily at 11AM, 1:30PM and 3PM. The shows will include regular admission fees ranging from $15-$25.

Monday, April 14-Sunday April 20- RBC Heritage Tournament presented by Boeing

Golf fans beware, the best week to hit Hilton Head Island at Harbour Town Golf Links has arrived! The 46th annual RBC Heritage tournament, South Carolina’s only PGA Tour event, is here! Raising millions of dollars for charities over the years, this fun event gives fans the opportunity to watch their favorite golfers up close and personal. For more information regarding the tournament and ticket prices, please visit http://www.rbcheritage.com/tickets.

Friday, April 18-Easter Bunny Wagon Ride

Learn about the Sea Pines Forest Preserve and meet the Easter Bunny before the wagon ride! Please make reservations by contacting the Recreation Department at 843-842-1979. Prices are $15/adults and $10/children 12 and under.

Sunday, April 20-Easter Egg Hunt

Come to Harbour Town for the annual Easter Egg Hunt and enjoy a visit from the Easter Bunny himself! The event will be located at the lawn adjacent to the Liberty Oak in Harbour Town. If you would like more information, please contact the Recreation Department at 843-842-1979. The event is complimentary.

Friday, April 25- Fishing Camp for Kids

What a great way to get the kids away from their iPads and video games and into the outdoors! Send the kids to this interactive day camp located at the Coastal Discovery Museum. The camp will help kids learn about fishing, crabbing and shrimping. Cost is $35/child and ages are 7-14. Please make reservations by calling 843-689-6767 ext. 223.

Saturday, April 26-Sunday, April 27-The Art Market at Historic Honey Horn

Venture out to the wide open space of Honey Horn. This outdoor arts festival will include clay, wood, fibers, metals, glass, jewelry, watercolors, oil, and mixed media and photography for sale. The show will start at 10AM Saturday morning until 5PM, and 11AM on Sunday through 4PM. There will also be demonstrations held all weekend as well as food and beverages available for sale. For more information, please call 843-689-6767 ext. 223.

Tuesday, April 29-Shelter Cove Farmers Market

Starting April 29 and continuing on until October 28, the Shelter Cove Farmers Market will have local produce vendors, artisan, crafters, food vendors and more along with live music. When summer rolls around, the market will close with the fireworks display. From now until June 16, the hours will be 4PM-7PM and extend from 4PM-9PM from June 17-August 12. For more information, please visit http://islandreccenter.org/vc.php?ID=434.

Wednesday, April 30- 9 to 5: The Musical 9 to 5

The Musical will be performed at the Arts Center of Coastal Carolina. The plot involved three female co-workers plan to get even with their egotistical boss. There’s humor, romance, and some outrage! Preview tickets are $44 for adults and $31 for children 4-15, and regular tickets are $54 and $37 for children. For more information, please visit https://tickets.artshhi.com/public/.

“Know Your Stuff” Home Inventory Mobile App

In lieu of a large or even small disaster, knowing exactly what was lost is extremely important. With the ‘Know Your Stuff’ mobile app by Insurance Information Institute, it is as simple as 1-2-3 to keep an up-to-date record of your belongings. All you have to do is take photos of your belongings and fill in some information and details. The app is available for iPhone or Android.