November 9, 2020

Preventing Mold in Your Home

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Mold spores are everywhere in nature. Mold can grow anywhere in your home.

So how do you prevent it from getting out of control? The key to controlling mold, according to the EPA, is regulating moisture.

Anywhere there is dampness such as along the grout lines of a tile shower or the corner of a basement with poor foundation drainage, mold can take hold.

Mold Poses Health Risks

Exposure to mold can cause unpleasant symptoms: eye irritation, nasal stuffiness and wheezing for example. Mycotoxins from mold growth can cause more severe respiratory problems. Out of control mold problems are nothing to ignore as they pose long-term health risk.

Prevent Mold Before it Starts to Grow

The best way to prevent mold from happening is to make certain your attic has good ventilation, there are no leaks in your roof or windows, and your crawl spaces are dry. Keep your gutters and drains clean and steer water away from the foundation of your house.

regular cleaning prevents mold

To clean common surface mold- you can use ½ cup of bleach to one quart of water with a little mild detergent to kill the mold. DO NOT MIX AMMONIA or ANY DETERGENT CONTAINING AMMONIA WITH BLEACH. The combination can create toxic fumes. It can be hazardous and deadly to mix chemicals. Always wear plastic or rubber gloves, goggles, a long sleeve shirt and long pants when cleaning off common surface mold.

A grout sealer in the bathroom applied after surfaces are thoroughly dry can prevent future moisture penetration. If there is a serious mold infestation, professionals who are bonded and certified should be hired to handle the problem.

Specific Events Covered by Insurance

When a specific event such as a broken pipe, storm, or firefighting effort that introduces water into the home occurs, do not delay in getting the area professionally cleaned by mold remediation specialists as soon as possible. If the repairs for the specific event is covered by your homeowner’s insurance policy, than the mold remediation connected with this event is covered as well.

The Homeowner is Responsible for Routine Maintenance

Take note that mold that occurs due to the neglect of the homeowner, such as a leaky window that has been letting in water over time, providing a breeding ground for mold, is the responsibility of the homeowner as a part of their regular home maintenance duties.

Ask Questions to Learn What is Covered by Your Policy

If you have any questions as to what is covered by your homeowner’s insurance and what is not, it is important to meet with your agent for a care review. As part of our blue ribbon service, the Crilly Agency is always available to go over current, new or renewing homeowner policies. With colder weather coming, and more time being spent indoors; now is a good time to check your home for possible places dampness may be present. Preventing mold from happening is much easier than cleaning or having it removed once it takes hold.

attic storage can block — Make certain your attic is adequately ventilated

Understand all your insurance policies and what they cover. Give us a call at 410-571-1771 or email The Crilly Agency today.

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CSR Ashley Harris is a Shining Star at the Crilly Agency

Ashley Harris has been working for Peter B. Crilly & Associates since 2016

Mid-February is a time of transition between winter and spring. One day it’s snow flurries and the next day it’s budding crocuses. The youngest member of the Crilly Agency Team, Ashley Harris can easily pivot from one task to the next as she helps clients with their home and auto insurance coverage. A Customer Service Representative with the Crilly Agency since 2016, Ashley holds the CLCS ( Commercial Lines Coverage Specialist) designation and is licensed as a property and casualty agent. She is based at our Riva Road, Annapolis office.

Ashley prides herself in keeping up with all the technological innovations in communications and works with customers to find the best ways to keep them up to date on their insurance, finding the very best insurance coverage to suit her client’s needs.

At the Crilly Insurance Agency, we are independent, which means we offer our customers a choice when it comes to selecting which carrier provides the best policy and pricing for their needs. A captive agent, who works for one company, has limited products. One day, those products may not be right for you. An independent agent works with a variety of companies and thus has access to more markets. They will be able to get you coverage at the lowest prices and can also find ways to cover potential gaps in insurance to work with policies you already have.

Ashley is highly knowledgeable on the latest solutions and works hard to learn about new insurance carriers and products. Her specialties include homeowners, renter’s, condo, and auto insurance. An accomplished baker, Ashley knows from experience that skill and care are key to creating something good, including relationships. She prides herself in taking care of her clients. Ashley lives in Bowie and enjoys spending time with her young son Ezra.

If you’d like to contact Ashley Harris by email she can be reached at [email protected]or call our Annapolis office at 2521 Riva Road at 410-571-1771.

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Associate Agent Kathy Gascon Puts Our Clients First

As we begin the month of February at the Crilly Agency, we’d like to put the spotlight on Associate Agent Kathy Gascon based at our Riva Road, Annapolis office.

Kathy prides herself in finding the very best insurance coverage to suit her client’s needs. She has over 34 years of experience in the insurance industry. She holds a property and casualty license as well as a life and health license. Kathy holds the CLCS (Commercial Lines Coverage Specialist) designation and is highly skilled in finding the very best pricing and products for clients.

Kathy is well versed in all types of insurance, including business insurance and life insurance . She has a loyal following of clients, but always makes the time to help new customers.

Kathy is highly knowledgeable on the latest solutions and knows the best ways to obtain comprehensive coverage at the best possible rate. She knows insurance backwards and forwards. Her specialties include property, business and life insurance. A people person, who cares about everyone who walks in the door, Kathy lives in Crownsville and enjoys boating, gardening, cooking, fishing, reading and hunting.

If you’d like to contact Kathy Gascon by email she can be reached at [email protected]

or call our Annapolis office at 2521 Riva Road at 410-571-1771.

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Sharon “Shellie” Souders Puts Customer Service First at the Crilly Agency

Now that we’re half-way through January, it is time to highlight the work of another Associate Agent at the Crilly Insurance Agency. Each of our licensed agents is instrumental in making our local offices in Annapolis and Catonsville Maryland successful. Personal service is what sets our agency apart.

This week we are putting the spotlight on Sharon “Shellie” Souders. Shellie runs our Catonsville office and has over 24 years of insurance experience. She prides herself in providing excellent customer service. A specialist in personal lines; she can easily answer most questions that come her way. Shellie is happy to assist clients with questions concerning billing and coverage. “Making sure that their policy meets their needs,” is Shellie’s chief concern when working with customers.

Shellie works with customers to find the best ways to obtain comprehensive coverage at the best possible rate. Her area of expertise includes all kinds of property insurance including home, auto, commercial, tenant, motorcycle, and boat insurance.

A Baltimore county resident, she is the mother of three sons and a grandmother. In her spare time, Shelly enjoys crafting, camping, fishing, baking and socializing with her friends.. If you’d like to contact Sharon “Shellie” Souders by email she can be reached at [email protected] or call our Catonsville office at 922 Frederick Road at 410-788-0112.