As we begin to recover from Florence, TriSure is ready to assist you in handling your claims. Please feel free to contact us at 919-469-2473 or 800-277-7702.  You can also reach us at info@trisure.com. Here is a list of our carrier partners and their claim contact info should you prefer to report this directly to them:

TriSure Storm Catastrophe Reporting List

Hurricane Checklist

Build A Kit

Make sure your emergency kit is stocked with the items on the checklist below. Most of the items are inexpensive and easy to find, and any one of them could save your life. Headed to the store? Download a printable version to take with you. Once you take a look at the basic items, consider what unique needs your family might have, such as supplies for pets, or seniors.

After an emergency, you may need to survive on your own for several days. Being prepared means having your own foodwater and other supplies to last for at least 72 hours. A disaster supplies kit is a collection of basic items your household may need in the event of an emergency.

Basic Disaster Supplies Kit

To assemble your kit, store items in airtight plastic bags and put your entire disaster supplies kit in one or two easy-to-carry containers such as plastic bins or a duffel bag.
A basic emergency supply kit could include the following recommended items:

  • Water – one gallon of water per person per day for at least three days, for drinking and sanitation
  • Food – at least a three-day supply of non-perishable food
  • Battery-powered or hand crank radio and a NOAA Weather Radio with tone alert
  • Flashlight
  • First aid kit
  • Extra batteries
  • Whistle to signal for help
  • Dust mask to help filter contaminated air and plastic sheeting and duct tape to shelter-in-place
  • Moist towelettes, garbage bags and plastic ties for personal sanitation
  • Wrench or pliers to turn off utilities
  • Manual can opener for food
  • Local maps
  • Cell phone with chargers and a backup battery

Download the Recommended Supplies List (PDF)

Additional Emergency Supplies

Consider adding the following items to your emergency supply kit based on your individual needs:

  • Prescription medications
  • Non-prescription medications such as pain relievers, anti-diarrhea medication, antacids or laxatives
  • Glasses and contact lense solution
  • Infant formula, bottles, diapers, wipes, diaper rash cream
  • Pet food and extra water for your pet
  • Cash or traveler’s checks
  • Important family documents such as copies of insurance policies, identification and bank account records saved electronically or in a waterproof, portable container
  • Sleeping bag or warm blanket for each person
  • Complete change of clothing appropriate for your climate and sturdy shoes
  • Household chlorine bleach and medicine dropper to disinfect water
  • Fire extinguisher
  • Matches in a waterproof container
  • Feminine supplies and personal hygiene items
  • Mess kits, paper cups, plates, paper towels and plastic utensils
  • Paper and pencil
  • Books, games, puzzles or other activities for children

Maintaining Your Kit

After assembling your kit remember to maintain it so it’s ready when needed:

  • Keep canned food in a cool, dry place.
  • Store boxed food in tightly closed plastic or metal containers.
  • Replace expired items as needed.
  • Re-think your needs every year and update your kit as your family’s needs change.

Kit Storage Locations

Since you do not know where you will be when an emergency occurs, prepare supplies for home, work and vehicles.

  • Home: Keep this kit in a designated place and have it ready in case you have to leave your home quickly. Make sure all family members know where the kit is kept.
  • Work: Be prepared to shelter at work for at least 24 hours. Your work kit should include food, water and other necessities like medicines, as well as comfortable walking shoes, stored in a “grab and go” case.
  • Vehicle: In case you are stranded, keep a kit of emergency supplies in your car.

TriSure will be there for you in the event of a storm.  Our staff is ready to help you get your claim reported promptly and handled as quickly as possible.  While you can always call us at 919-469-2473, here is a list of numbers for our insurance partners as well.

Final Rule Issued to Improve Tracking of Workplace Injuries and Illnesses – July 1, 2018 Deadline

The deadline of July 1, 2018, when specific employers must electronically submit information from their 2017 OSHA Form 300A, is quickly approaching.

Companies with 11 or more employees, whose individual establishments (generally single physical locations) are not partially exempt from keeping OSHA injury and illness records (see OSHA Fact Sheet 3746) — and who meet OSHA’s establishment level triggers (250 or more peak employees during 2017 at a location in any industry or 20 or more peak employees in certain “high hazard” industries) — are required to report 300A data for the affected locations. “Employees” in this context include part-time, seasonal and temporary employees supervised on a day-to-day basis.

The injury tracking application can be found on the OSHA ITA website. Once the account has been created,  data can be manually entered on a web form. Business owners with multiple locations and/or a large amount of data may want to upload a CSV file to process single or multiple establishments at the same time.

Further instructions on how to file can be found on the OSHA website.

State Plans

OSHA had previously required reporting of location data only for locations in Federally administered and State administered OSHA plans that had adopted the new requirements. Federal OSHA has now asserted that employers in all States, including States that have not adopted the Federal regulation are required to report using the Federal ITA portal. States that initially did not adopt the federal regulation are as below.  Businesses with operations in these states that are required to report should check the status of their State’s adoption.

  • California (Cal/OSHA)
  • Washington (WA DLI, WISHA, or DOSH)
  • Maryland (MOSH)
  • Minnesota (MNOSHA)
  • South Carolina (SC OSHA)
  • Utah (UOSH)
  • Wyoming (WY OSHA)
  • Vermont (VOSHA)

Tropical Storm Alberto shows us again that Tropical Weather does not necessarily follow the calendar, arriving in the US before the official beginning of the 2018 season. All the more reason to get ready now for what is expected to be a near-normal season of perhaps five to nine hurricanes with a total of 10 to 16 named storms . But for those of us who have made North Carolina home for years, we know that sometimes the chance of winning the lottery is better than accurately predicting our storm seasons.

Here is a great link to www.Ready.gov with lots of information to peruse as you prepare, from general knowledge about hurricanes to preparing a plan for you and your neighbors. https://www.ready.gov/hurricane-toolkit.

And in the event of a storm, TriSure will be ready to assist you. Our staff will help you get your claim reported promptly and handled as quickly as possible. And while you can always call us at 919-469-2473 to get your claim in process, here is a list of numbers for our insurance partners should you prefer.

Storm Catastrophe Reporting Contacts

The North Carolina Reinsurance Facility (NCRF) has recently announced that effective October 1, 2018 through September 30, 2019 ALL commercial automobile policies written and renewed in North Carolina will be surcharged 14.61% of their automobile liability insurance premiums. This is a surcharge levied by the NC Reinsurance Facility and none of this money is kept by the insurance companies. All insurance companies licensed to do business in NC are required to assess this surcharge. This is a significant increase and we wanted to alert you now for budgeting and planning purposes.

The NCRF is basically the “ceded” automobile facility for NC automobile insurance. In other words, this is where the difficult/poor performing/undesirable risks obtain auto liability insurance. Many people liken this to the “Assigned Risk” pool only for auto liability instead of Workers Compensation.

According to the NCRF website, (www.ncrb.org) their results for this auto business have deteriorated rapidly over the past few years. Most insurance carriers have also noted that standard commercial and private passenger results have been steadily declining. Reasons cited include 1)distracted driving, 2) higher number of vehicles on the road/congested roads, 3) increased medical costs, and 4) increased repair costs due to more expensive parts, systems, etc. While all these reasons have led to steadily increasing auto rates, an assessment/surcharge of this significance has not been seen by us before. We hope this is a one-time, one year assessment, but have no way of predicting what will happen in late 2019.

In the meantime, we have seen a few “less than accurate” comments spread to our clients so we wanted to get a factual list of bullet points as a basis of reference.

1. This is a mandatory surcharge that ALL NC licensed insurance carriers will collect and pay to the NCRF.
2. This is for commercial autos, and the 14.61% will be applied to the premiums for liability, medical payments, uninsured and underinsured motorist coverage. (not against comprehensive or collision)
3. No agent or carrier has a “special” program or carrier to get around this.
4. This is not considered an increase by the insurance carriers and they will not retain any of this premium. The dollars paid for the surcharge do not apply to your loss ratio.
5. The surcharge will apply for one policy year, starting with your first renewal, on or after October 1, 2018.
6. Carriers are still struggling with exactly how this surcharge will be shown on your renewal policies, etc. However, the charge will be there. No carrier could possibly afford to absorb this and any expectations or comments from individuals that they will, are not credible to the best of any reasonable persons expectations.

Please do not hesitate to call us with any questions or concerns in this matter. We will keep everyone appraised if any new information becomes available.

Click here for the NCRF Announcement

With the Equifax Data Breach, you should consider taking a look at measures to protect your credit.

The following article and link from Clark Howard shows how to freeze your credit at all three credit agencies: http://clark.com/personal-finance-credit/credit-freeze-and-thaw-guide/ (see excerpt below)

We have also included information from North Carolina Attorney General Josh Stein indicating that North Carolinians can obtain a FREE CREDIT FREEZE: http://www.ncdoj.gov/getdoc/5ec7dfeb-a28e-4b26-92c2-42df5fa0c36e/2-4-3-1-1-Freeze-Your-Credit.aspx (see excerpt below)

Excerpts on both articles are below but please check the web links as well.

Excerpt from the Clark Howard Article
http://clark.com/personal-finance-credit/credit-freeze-and-thaw-guide/

With Equifax’s announcement of its catastrophic security breach, now would be a really good time to consider freezing your credit, if you haven’t already. Credit freezes are one of the most effective ways for consumers to protect themselves against identity theft — and this goes for anyone at any time — regardless of whether you were impacted by this specific breach.

And it’s imperative that you freeze your credit with all three main credit reporting agencies: Equifax, Experian and TransUnion.

Below is a quick reference guide on how to put a freeze in place with each bureau, followed by more information on the process, how to thaw your credit and more.

How to freeze your credit with all three agencies

TransUnion
Online: Visit the Credit Freeze page here
https://freeze.transunion.com/sf/securityFreeze/landingPage.jsp
By phone: 1-888-909-8872
By mail: Request your credit freeze by certified mail using this sample letter. Please note the attachments you must include.
Use the following address:
TransUnion LLC
P.O. Box 2000
Chester, PA 19016

Credit freezes may be done online, by phone (1-888-909-8872) or by certified mail – return receipt requested.
Unfreeze: Do a temporary thaw of your TransUnion credit freeze online or by calling 1-888-909-8872.
Info on freezing a child’s credit with TransUnion can be found here.

Equifax
Online: Visit this page to freeze your credit with Equifax. Important note: With such high traffic to the website, if you can’t get your request processed, just wait about a week and try again.
https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp
By phone: 1-800-685-1111 (NY residents please call 1-800-349-9960)
By mail: Request your credit freeze by certified mail using this sample letter. Please note the attachments you must include.
Use the following address:
Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348

Credit freezes may be done online or by certified mail – return receipt requested.
Unfreeze: Do a temporary thaw of your Equifax credit freeze by snail mail, online or by calling 1-800-685-1111 (N.Y. residents dial 1-800-349-9960).

Experian
Online: Visit the Credit Freeze page here
https://www.experian.com/freeze/center.html
By phone: 1-888-EXPERIAN (1-888-397-3742). When calling, press 2 and then follow prompts for security freeze.
By mail: Request your credit freeze by certified mail using this sample letter. Please note the attachments you must include.
Use the following address:
Experian Security Freeze
P.O. Box 9554
Allen, TX 75013

Credit freezes may be done online; by certified mail – return receipt requested; or by calling 1-888-EXPERIAN (1-888-397-3742). When calling, press 2 then follow prompts for security freeze.
Unfreeze: Do a temporary thaw of your Experian credit freeze online or by calling 1-888-397-3742.

What exactly is a credit freeze?

A credit freeze allows you to seal your credit reports and use a personal identification number (PIN) that only you know and can use to temporarily “thaw” your credit when legitimate applications for credit and services need to be processed. The added layer of security means that thieves can’t establish new credit in your name even if they are able to obtain your personal information.

Freezing your credit files has no impact whatsoever on your existing lines of credit, such as credit cards. You can continue to use them as you regularly would even when your credit is frozen.

Freezes have been available for free to victims of identity theft for some years, but recently all three of the major credit bureaus adopted new rules that now allow non-victims to have access to credit freezes as well for a small fee. In addition, most states and Puerto Rico have adopted laws establishing credit freezes for residents of their state.

Residents of various states may also freeze the credit reports of their minor children. Visit the National Conference of State Legislatures to see what the law is in your state.

The cost ranges from about $3 to $10 per person per bureau to freeze a credit report; a couple of states have higher fees. (North Carolina is free)

*When you do a credit freeze, it is imperative that you freeze your credit with all three bureaus.*

When shouldn’t you freeze your credit?

If your credit reports are accessed often for work or because you create new accounts with various financial institutions on a regular basis, it is not recommended that you freeze your accounts. The costs to regularly “thaw” your reports would tend to be excessive.

How/when to thaw your credit

The cost to “thaw” your reports for one creditor — or for a specific period of time — ranges from free to $10.

Four states remove your credit freeze automatically after seven years. These states are Kentucky, Nebraska, Pennsylvania and South Dakota.

In most states, your credit freeze remains permanently on your files until you request removal. But not so in the states listed above, according to the Consumers Union’s guide to security freeze protection.

Excerpt from the NC Attorney General’s Office
http://www.ncdoj.gov/getdoc/5ec7dfeb-a28e-4b26-92c2-42df5fa0c36e/2-4-3-1-1-Freeze-Your-Credit.aspx

FREEZE YOUR CREDIT
What Is a Security Freeze?

A “security freeze” is a consumer right provided by North Carolina law, enacted as part of the Identity Theft Protection Act of 2005. Placing a security freeze on your credit reports blocks access to your credit unless you have given your permission. This can prevent an identity thief from opening a new account or getting credit in your name.

North Carolina consumers can get a free security freeze online under NC law. Identity theft victims who have filed a police report, their spouses, and consumers over the age of 62 can also get free security freezes by mail or phone.

A security freeze, also known as a credit or a file freeze, can be lifted (or “thawed”) temporarily when you are applying for credit, or removed permanently.

Under a new North Carolina law, parents and guardians can shield their children’s credit report with a special Protected Consumer security freeze. These freezes can also be used to safeguard incapacitated adults.

How a Security Freeze Works

Once you’ve placed a security freeze on your credit, a creditor who asks to see your file will see a message that your file is frozen.  The creditor will not see your credit score, and may treat your application as incomplete but not rejected.

Government agencies collecting child support payments or taxes and your existing creditors or collection agencies acting on their behalf can continue to access your credit despite the freeze.

Other creditors may also use your information to offer you pre-approved credit.  You can stop most credit offers by calling (888) 5-OPT-OUT or visiting www.optoutprescreen.com.

You will still be able to get a free copy of your credit report annually from each credit bureau.

There apparently is a 4th credit agency, Innovis.
https://www.innovis.com/personal/securityFreeze
Innovis Security Freeze Options
You can request a Security Freeze or manage an existing Security Freeze:
Online: Submit the Security Freeze Request Online form.
Phone: 1-800-540-2505
Mail: Complete the Security Freeze Request by Mail form.
Walk in: 875 Greentree Road, 8 Parkway Center, Pittsburgh, PA 15220

A Security Freeze will be placed on your Innovis Credit Report after your request has been received and your identity has been verified. You will receive a confirmation letter by mail that contains a 10-digit Security Freeze Confirmation Number. You can request a replacement Security Freeze Confirmation Number or a lift pin online, by phone, or by mail.