Personal
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How Much Do You Value
Personal Disaster Your Valuables?
Preparedness
J
ewelry, watches,
furs, precious and
Men and women are on different pages when semiprecious stones
it comes to disaster preparedness, with males are all items that are
typically believing they are more prepared than generally considered
women, according to a survey by AxcessPoints, to be valuables. These
a California-based online disaster preparedness valuables are just the type
service that helps consumers safeguard insurance, of thing that you want to
financial and medical information. have insured. However,
sometimes there can be
The survey by AxcessPoints found a significant a limit on how much is
gender differences between the sexes, including covered.
the following:
Your homeowner’s policy
• More than 36 percent of males said that they contains a section called
are extremely or well prepared for a disaster, “Special Limits of Liability.” This
compared to just 22 percent for women. At section imposes limits on exactly how much
the same time, 62 percent of men surveyed of your valuables are covered in the event of theft.
said they are either not very well prepared or Standard homeowner policies state that in the event of a theft your
not prepared at all, compared to 77 percent of policy will pay $1,500 after your deductible is applied.
women asked the same question.
• Asked whether their family has an emergency There is a solution to this limited coverage. Our recommendation is
communication plan, 38 percent of males that you “schedule” your valuables. Scheduling your valuables means
reported having one, as compared to 22 to list them individually on your policy guaranteeing coverage in the
percent of women. event of theft, damage or loss with a full replacement value or an
• Men and women have different priorities in agreed amount and no deductible.
responding to disaster. When asked what item
they would grab from their homes in case of You can schedule your jewelry on a replacement cost or an agreed
an emergency, 39 percent of males said they value basis with most of our carriers. The Starr Group offers broadened
would take financial documents necessary to packages with higher limits of liability on valuables. With an agreed
help rebuilding after a disaster, while only 27 value basis, you may pay a little more. However, in the event of a total
percent of women said so. Family or wedding loss, you will collect the dollar amount the item is scheduled for.
pictures fared well with women, with 32
percent saying they would save them first, as It is also imperative that you review the value scheduled items on
compared to only 14 percent of men. a regular basis. As your jewelry and valuables increase in value the
scheduled item does not automatically calculate inflation. Meaning,
Reminder - if you have if you insure your wedding ring at $3,00 and it costs $4,000 to replace
experienced a status change, the same like, kind and quality 3 years later; the insurance company will
pay no more than the scheduled amount.
i.e. How far you drive to work,
if you retired, lost your job or
If you have any questions or wish to review the coverages on your
the use of vehicles has changed, jewelry or other valuables please contact us at 414-421-3800. We will
please notify us. be happy to review your policy with you.
5005 Loomis Road Phone: 414-421-3800
P.O. Box 20001 Fax: 414-421-6145
Greenfield, WI 53220-0001
visit us at www.starrgroup.com
Retail Heath Care: Starr Group
Customer of the Quarter
A quick look at quick care The thought of ice cream
tends to make people
In today’s fast pace world when you get the sniffles or a smile, especially in July in
sore throat and you can’t see your overscheduled doctor Wisconsin! Welcome our
for a day or two, or you don’t have time to wait in his/her Customer of the Quarter –
office for an hour before being seen, there is now another
Cedar Crest Ice Cream!
option -- Retail Health Clinics (RHCs).
Cedar Crest Specialties, Inc. is owned by brothers Ken,
Quick Clinics or RHCs seem to be popping up everywhere.
RHCs are small walk-in clinics located in popular Robert, Bill and Tim Kohlwey. They started their ice cream
pharmacies and convenience stores and are staffed by business in 1976 with two trucks delivering ice cream in and
physician assistants and nurse practitioners. Some believe around Milwaukee.
they are a solution to one of the problems with our health
care system; some believe these clinics will cause bigger Today, Cedar Crest has grown to a dedicated workforce of
problems. 95 with a manufacturing plant in Manitowoc, WI, corporate
offices and a sales and distribution point in Cedarburg, and
RHCs offer a defined list of services to customers along a sales and distribution location in Rice Lake, WI. Cedar
with specific costs associated with each service. They are Crest Ice Cream can be found in a variety of grocery stores,
fully equipped to provide services such as: many convenience stores and ice cream parlors throughout
Wisconsin, northern Illinois, eastern Minnesota, western
• Easily diagnosed illnesses and conditions such Michigan and the northeastern corner of Iowa.
as bronchitis, ear infections, pink eye and sinus
infections
The Company prides itself on manufacturing premium
• Camp physicals, cholesterol screenings and ice cream, sherbet, yogurt, low-fat and no-fat products.
diabetes screenings According to Bill Kohlwey “Our goal is to put a smile on
everyone’s face when the name Cedar Crest is mentioned -
• Suture removal, pregnancy testing and flu knowing that they have had a great ice cream experience!”
diagnosis
• Vaccinations Cedar Crest has continued to diversify its product line by
incorporating a variety of products other than ice cream.
• Prescriptions Some of them include: Tom & Jerry Mix, Child Nutrition
Cups, Juice Fortified Sherbet, Smart Pops-Juice Fortified and
For many, these clinics are a convenient, affordable and vitamins A & C added cups, Lowfat Choco Chiller Malt Cups,
cost-effective answer to patients that would otherwise Strawberry Cheesecake Frozen Yogurt Sandwiches and Blue
use an emergency room or urgent care facility. Normally Moon Ice Cream Sandwiches.
the cost associated with visiting an RHC is half the cost (or
less). Innovative ideas like the addition of Feature Flavors provide
customers with a taste of 2 new ice cream flavors each
Also, these clinics are being added as “In Network” month.
providers to many health insurance policies and they
accept standard co-pay or will be treated as a standard Cedar Crest proudly sponsors a day at Summerfest, Wisconsin
office visit. Check with your insurance company to make State Fair and the Ozaukee County Fair. They have been
sure the retail health clinic you select is in your network. Milwaukee Brewer radio sponsors for many years. The
Company also has a complementary company called Summer
If you have questions or would like further information Events, LLC which sells ice cream on the Summerfest grounds
on this topic, please contact your Starr Group Benefits for various ethnic festivals as well as Bastille Days and the
Representative at 414-421-3800. State Fair. They also offer an old fashioned ice cream parlor
located at the front of their plant in Manitowoc which is open
to the public.
5005 Loomis Road Phone: 414-421-3800
P.O. Box 20001 Fax: 414-421-6145
Greenfield, WI 53220-0001
visit us at www.starrgroup.com