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Homeowner Oil Heating System Upgrade and Insurance Law


On September 30, 2011 the Massachusetts Homeowner Oil Heating System Upgrade and Insurance Law went into effect.  During the Summer we mailed a letter to each of our homeowners insureds containing the following:

If your home is heated by an oil heating system please take a moment to review the enclosed information regarding the Homeowner Oil Heating System Upgrade and Insurance Law which requires all home oil heating systems to be compliant by September 30, 2011
.

In addition to the new requirements, coverage for heating oil spills is now available on your homeowner’s insurance policy. Current homeowner policies do not provide coverage in the event the tank gives way or there is an oil leak which requires cleanup or if the oil leak affects your neighbor’s property/groundwater. Premiums for this coverage range between approximately $50 and $100 per year depending on the coverage level selected and the insurance company. In order to qualify for coverage you will need to provide certification from a licensed oil burner technician (a service which is usually provided by your Heating Oil provider).

Please feel free to contact us If you have any questions or would like to add this coverage to your homeowner’s policy.

Following is a link to the MA DEP website with a full explanation of the law, including diagrams and a FAQ http://www.mass.gov/dep/cleanup/laws/hhsl.htm



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Posted Tuesday, February 07 2012 10:57 AM
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Police Using Tecnhology to Crack Down on Canceled Insurance/Expired Registrations


We received a call from one of our insurance company Marketing Reps who was pulled over by the police because his registration (license plate) had expired.  It turns out that the police officer was able to locate him using the latest license plate reader technology which allows them to read up to 30 plates PER SECOND. Believe it or not, if you have an expired registration the police can and often will have the car towed on the spot and leave you to find your own way home.  They can also tell if your insurance has been canceled and they'll definitely tow the car if that's the case (your registration can expire while your insurance is still in good standing).  Here's a copy of an article on the subject: http://www.metrowestdailynews.com/news/x1498054455/License-plate-readers-help-police-scan-30-plates-a-second

It's a headache no one needs, especially since it's usually avoidable.  One of our carriers, Plymouth Rock Assurance, offers a free eReminder service to all MA drivers, whether you're insured with them or not.  It will send you an email when your Registration, Inspection Sticker and Driver's License are set to expire.  Click on the link to sign up.


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Posted Tuesday, January 10 2012 11:25 AM
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MA to Enforce Ban on Hand-Held Mobile Phone Use While Driving a Commercial Motor Vehicle


Re-Printed from our good friends at Mass Agent's Association - Applies to Commercial Vehicles

MA to Enforce Ban on Hand-Held Mobile Phone Use While Driving a CMV We have just learned that the U.S. DOT rule regarding the use of hand-held mobile phones in commercial motor vehicles which took effect yesterday will be enforced in Massachusetts. We learned from the State Police Truck Team that enforcement will be by the Truck Team and any state or local police officer certified for commercial motor vehicle enforcement by the National Transportation Safety Board (NTSB). (See the December 2011 edition of Registry News.)

Massachusetts Regulation 540 CMR 14.00 establishes "rules and regulations governing the use and operation of certain motor vehicles, trailers and commercial motor vehicles, and motor carrier safety and the transportation of hazardous materials by motor carriers in both intrastate and interstate commerce upon the public ways of the Commonwealth of Massachusetts."

The regulation goes on to define "commercial motor vehicle" as follows:

14.02: Scope and Applicability

(1) 540 CMR 14.00 applies to:

(a) motor carriers operating commercial motor vehicles and persons who drive commercial motor vehicles as, for, or on behalf of motor carriers, upon the ways of the Commonwealth.

(b) all motor carriers and shippers transporting hazardous materials, under the Hazardous Materials Regulations of the United States Department of Transportation, Parts 171 through 179 of Title 49, Code of Federal Regulations, by motor vehicles upon the ways of the Commonwealth.

(c) common and contract carriers by motor vehicle, and private carriers of property and passengers by motor vehicle.

(2) (a) As used in 540 CMR 14.00, "commercial motor vehicle" shall mean:

1. a motor vehicle with a gross vehicle weight rating or gross combination weight rating of 10,001 pounds or more used for the transportation of property, or

2. a motor vehicle designed to transport more than 15 passengers, including the driver, or

3. a motor vehicle used in the transportation of hazardous materials in a quantity requiring placarding under the Federal Hazardous Materials Transportation Act (49 U.S.C. App.1801-1813).

MAIA Bulletin 2012-1 January 4, 1012

(b) It is the intent that the term "commercial motor vehicle" as used in 540 CMR 14.00 shall have the same meaning as in Part 390.5 of Title 49, Code of Federal Regulations, as it may be amended, and to the extent there is a conflict between the two at any time, the definition in 49 CFR Part 390.5 shall control.

The regulation goes on to explain MA DOT’s adoption of federal regulations as state regulations:

14.03: Adoption and Incorporation of Federal Regulations as State Regulations

Subject only to the specific exceptions and limitations expressly stated in 540 CMR 14.00, the Federal Motor Carrier Safety Regulations, Parts 382, 390 through 397 of Title 49, Subchapter B of Chapter III, Code of Federal Regulations, and the highway related portions of the Federal Hazardous Materials Regulations, Parts 171 through 179 of Title 49, Subchapter C of Chapter L Code of Federal Regulations, as they may be amended, are incorporated by reference as the regulations of the Registry of Motor Vehicles governing motor carrier safety and the transportation of hazardous materials upon the ways of the Commonwealth of Massachusetts in both intrastate and interstate commerce.

As we indicated in last month’s Registry News:

Guidance:

? This rule does not prohibit a driver from using a mounted mobile phone which can be easily accessed from the driver’s seat and activated with a single button.

? Driving means operating a commercial vehicle while on a public road, and when stopped in traffic on such a road. Driving does not include instances when the driver is safely parked. Emergency use is permitted.

? The term mobile telephone does not include two way or Citizens Band Radio services, however the term mobile telephone does include mobile services which are provided for profit, have inter-connected service and is available to a substantial portion of the public.

Penalty:

Driver is disqualified from operating a commercial motor vehicle (CMV) for 60 days with the second offense in 3 years. (120 days for each subsequent offense within 3 years) Only applies if violation occurred while driving a CMV.



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Posted Monday, January 09 2012 11:51 AM
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Act Now To Prevent Ice Dams This Winter


As many people experienced last Winter, Ice Dams can cause substantial damage to your home.  An ice dam is a ridge of ice that forms at the edge of a roof and prevents melting snow (water) from draining off the roof. The water that backs up behind the dam can leak into a home causing damage to walls, ceilings, and insulation.  There are some simple steps you can take to avoid ice dams, mostly relating to properly insulating and venting your attic as well as keeping your gutters clear.  Here's a great resource which explains ice dams in detail and provides preventive measures and solutions: http://www.extension.umn.edu/distribution/housingandclothing/dk1068.html

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Posted Thursday, December 01 2011 11:14 AM
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Rough Notes Magazine Article re Holman Insurance


Rough Notes, a well respected insurance industry trade journal recently published an article about mobile website pages & social media integration and Holman Insurance Agency was featured in the article for our use of them during the aftermath of Hurricane Irene.  A link to the article is below

http://www.roughnotes.com/rnmagazine/2011/november2011/2011_11p076.htm


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Posted Tuesday, November 08 2011 1:17 PM
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