November 2008
Richard W Endlar Insurance Agency Inc Newsletter
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Claims: A Disaster You Can Prevent
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Richard W. Endlar established the Richard W. Endlar Insurance Agency in 1975 after many years in the insurance industry. The Richard W. Endlar Insurance Agency was located at 210 Boylston Street in Chestnut Hill, Massachusetts until February 2000 when a major fire necessitated a move to new quarters. The agency is now located at the Rosemary Office Park in Needham, Massachusetts, centrally located from route #128.
The Richard W. Endlar Insurance Agency currently insures over 1,500 condominium associations. We are one of the largest writers of this class of business in Massachusetts. Depend on us for our expertise and our extensive list of insurance markets.
Loss Control can be more important than insurance

Avoiding claims and controlling the severity of a claim can be more important than insurance. Consider the cost of a claim in terms of deductibles, time and aggrevation to settle the claim, scheduling contractors to restore the damage, and the effect your loss history has on future insurance renewals.

Here are a couple of ideas on how to avoid losses or reduce them:
 

 
      
 
Stove Top fire suppression system
 
Dryer vent cleaning
 
Certificates of insurance
 
Fire extinguishers
 
Require unit-owners have their chimney cleaned annually
 
Teach unit-owners where the main water shut off value is located

Fire Protection Systems- Make sure your have your fire protection systems tested and they are operational. If you have sprinklers systems they should be tested periodically. Fire alarms should also be tested. Your insurance company can show your the NFPA (National Fire Protection Association) guidelines. Fire protection companies can also set up scheduled testing.

When your building has a fire protection system your insurance policy will include a "protective safeguard endorsement". You benefit by a reduced premium but the policy ends up with a fire prortection warranty. The warranty will list your fire protection and warrant that the systems are operational. If the sprinkler or fire alarm is disconnection or inoperable your claim may be denied.

Work with the insurance inspector when they make recommendations. Many of their suggestions can avoid claims in the long run.
Condo Documents on-line at FTP

 
In our effort to "go paperless" we are scanning all the condominium documents for our condominium association's.
 
If you visit our website you will now see a link to our FTP site where you can download any of this information into an electronic file. Try it, it's free!
 
 
Richard W Endlar Insurance Agency Inc
781-455-6664 Phone
781-453-0209 FAX
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Richard W Endlar Insurance Agency Inc | 145 Rosemary Street | Building K | Needham | MA | 01760