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By Derrick Gelsomino, Mar 20 2017 05:39PM

Affiliated Insurance Managers are excited to announce the recent hires of Christine Caramiciu and Liz Ciampanelli. Both will be working in the commercial lines department and have an expertise in customer service.

Christine began her career in the industry in 2004. A very driven and energetic person, Christine specializes in reviewing and comparing coverages for her clients to provide the best solution that will fit her clients’ budget. When she is not in the office, Christine enjoys spending time with her husband Eric, their four children and puppy Ortiz. They are an adventurous family that enjoys the outdoors and hiking.

Liz comes to the agency with over 17 years’ experience in the insurance industry. She has worked with many commercial clients throughout Southern New England, developing strong relationships and be a reliable resource for her clients. Liz, who has four daughters of her own, will be welcoming two grandchildren this year. She loves her Rhode Island summers, attending concerts and spending time with her husband.

Please help us welcome both Christine and Liz to the Affiliated Insurance Managers family!

By Derrick Gelsomino, Jan 17 2017 04:46PM

This winter is off to a frigid start and it is exceedingly important to exercise correct safety precautions. As we snow blow and shovel our driveways, salt our sidewalks, brush the snow off our cars, we have a tendency to forget he most damaging effects of winter weather, ice dams.


Ice dams occur when heat from poorly insulated homes trickles through the attic and cause snow on the roof to slowly melt. The melted water then pours down the roof and eventually freezes into large icicles, causing water to pool behind it. While the hanging icicles can pose a risk if they should fall on someone, the buildup of water can also cause extensive damage to your home, including; Leaking roofs, wet and ineffective insulation, stained or cracked plaster or drywall, rotting timber, stained and blistered or peeling paint.


Your friends at Affiliated Insurance Managers wants to remind you that, while it is recommended to have a professional rid your house of an ice dam, you can take these steps to do the work on your own.


1. Use a roof rake to remove snow buildup from the roof.

2. Do not use a roof rake near any electrical wiring.

3. Do not climb on a roof or work on a ladder beneath a roof that has large amounts of snow on it. Use extreme care on the ladder.

4. Remove ice buildup around gutters by melting the ice with calcium chloride (other products may damage the roof shingles). For added effectiveness, purchase a pre-filled tube or put the melting agent inside a sock. This will release the melting agent gradually, allowing the water to drip harmlessly to the ground through a channel in the ice dam.\

5. After applying a melting agent, if you must chip the ice, do so very carefully NEVER strike your roof with an axe, hammer, or anything that will damage the shingles.


Affiliated Insurance Managers values the ability to educate our audience, and stress the importance of safety when dealing with an ice dam. If you decide to clear ice dams yourself, take extreme caution as they can cause serious injury or property damage. Keep an eye out for these warning signs of an ice dam, so you know exactly what you are up against.


1. Large icicles hanging from the gutters during cold-snaps following snow storms.

2. A thick blanket of snow down slope of bare shingles points toward trouble.

3. Water dripping from the roof overhang is a hint that a dam has already formed.



By Derrick Gelsomino, Jan 5 2017 04:46PM

Some people vow to exercise more, or to quit smoking or to read more books, and these are all admirable New Year’s resolutions. But what about resolutions that help provide you with peace of mind, more protection and a little more money in your wallet? Affiliated Insurance Managers encourages you to review these three straightforward “insurance resolutions" that can help you start 2017 on the right foot:



Check to See If You Qualify for Discounts to Lower Your Premium

It’s always a good idea to save a little money when you can, and asking your Trusted Choice agent about potential discounts is a great place to start. While premiums are calculated based on the level of risk an insurance company must take to provide you with coverage, there are steps you may be able to take to reduce those risks. For example, installing alarms in your home that alert local authorities to fires or burglary may help to reduce the premium on your homeowners insurance since it can aid in the prevention and mitigation of a fire or break-in. If you have teenagers that are or will be old enough to drive this year, ask your agent about good student discounts, and all drivers may be able to lower their premiums by successfully completing a defensive driving course.


Another way you can lower your premiums would be to raise your deductible- the amount you pay for a loss before your insurance coverage kicks in. Raising your deductible on your auto insurance collision and comprehensive coverage can help bring your rates down.


Make a home inventory

The reason we all purchase insurance is to help us recover, rebuild and replace after a loss. Keeping a comprehensive home inventory can help you replace your belongings after a loss, as accurate records will make it less likely that there will be a dispute between you and your insurance company during the claim process.


Find and Fix Gaps in Coverage

One of the worst experiences you can have when filing a claim after a loss is being told that you don’t have the right coverage. While we will work with you to try and eliminate those scenarios, there are also times when your circumstances change, and if you don’t update your insurance coverage accordingly, you might find yourself with a gap in coverage. If you have certain high value items such as jewelry or collectibles, they may not be fully covered under a homeowners policy, despite coverage being available elsewhere under an add-on called a “personal articles floater.”


Speaking with us can help you identify where there may be potential gaps and they are able to help you obtain the coverage to fill them.


A New Year is a new start, and a time to start over. Committing yourself to these resolutions can help provide you with peace of mind, more protection and, hopefully, a little more money in your wallet to start the year.


By Derrick Gelsomino, Dec 12 2016 08:05PM

The holiday season is the best time of the year; it’s a time for families to reunite, for friends to rekindle, and for traditions to continue. Christmas time is the best time of the year for not only you and your family, but for burglars too.


Thefts and break-ins often skyrocket during the Christmas season because thieves know that many families leave their homes and cars unattended while on holiday. Ensure that you keep your home, family, and possessions protected from theft by using these four simple tips:


Preventing Holiday Theft


1. Keep your lights on.


Everyone gets excited for their holiday vacations – especially burglars. Empty houses and apartments are prime targets for thieves. Fortunately for you, you can fool those thieves into thinking you are home by leaving your lights on, setting your holiday decorations and lights on an automatic timer, and asking the neighbor to check your mail periodically throughout the week. This will give potential intruders the illusion that someone is indeed home.


2. Leave your shopping bags out of sight.


With the hustle and bustle of the holidays come lots of errands and Christmas shopping. As you rush from store to store it can be easy to leave your bags, packages, and gifts in the back seat of your car and in plain sight for robbers. Be sure to hide your purchases or put them in the trunk of your car so you don’t become a target for theft. Also, don’t forget to lock your car doors, and try to park in a well-lit area.


3. Protect all entryways.


Not all thieves enter your home through the front door. Before you leave for your holiday vacation ensure that all your back door, balcony door, front door, windows, garage door, etc. are all locked and secure. If you have an alarm system, make sure it is enabled and working properly. If you don’t have an alarm system, ask a neighbor or friend to keep an eye out for you until you return home.


4. Give yourself peace of mind.


No matter how much you prepare, theft can still happen to you. However, by investing in homeowners insurance, renters insurance, or car insurance, you can guarantee yourself peace of mind in the event that a seasonal burglary does occur.


By Derrick Gelsomino, Dec 8 2016 08:28PM

The holidays provide us with good reasons for presenting special – and often valuable – gifts to our loved ones. In the excitement of surprising someone with a gift that makes a big impression, remember that properly insuring expensive gifts can bring you peace and joy long after the holiday season is over.

Follow some easy tips for insuring new jewelry and valuables.

Consider taking advantage of a store’s or manufacturer’s warranties or guarantees, but don’t mistake them for insurance. For example, some major jewelry chains offer limited guarantees on gemstone and diamond replacement or repairs.

This is a wonderful perk so long as the store is in business and you comply with regular inspections and the terms of the guarantee agreement. But in the event that your jewelry is lost or stolen, it is unlikely that the store will be able to help you. Talk with your insurance agent about your valuables and the best options to protect them.

Be sure to insure your expensive purchases to value, not just what you paid for them. Door buster specials during the holiday season may enable you to get a remarkable price on an item, but if you only insure for the price paid, you may not be able to get that same deal if you have to replace it later. The value of precious metals and gemstones fluctuates, so getting an appraisal can help you and your agent determine the appropriate amount of insurance. Don’t hesitate to ask your jeweler to provide an appraisal gratis as a way to close the deal. It never hurts to ask, and the cost of an appraisal may be worth it to the jeweler to make the sale.

Take a photo of new, valuable items, and have it ready – along with any copies of the receipt, serial number, appraisal or certificate – when you talk to your agent about the right coverage for your items.

Get to know your policy’s limits. Coverage for expensive electronics differs from the protection for a diamond bracelet. Your agent can help you understand your policy and customize it to make sure it protects all of your valuables, whether the item is something you watch, listen to or wear.

It’s natural to want to bask in the warm feelings generated by giving someone special a present that wows, so consider insuring the gift as soon as you purchase it and before you present it. That way, you’re giving an extra gift that lets the recipient know, “It’s already taken care of.”

But depending on what you are fortunate enough to already own, you may have reached those limits. So, be sure you’re covered by talking with your agent about the coverage that will work best for your new valuables. With a little planning, you can make sure that your holidays – and future – will be merry and bright.

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