Settling Into a Deep Deep Freeze!

Most of the US is experiencing record low temperatures. Provencher & Company stands ready to serve Frozen Pipe, Sprinkler System, Ice Dam, and other related claims.

freeezing water pipe

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Tropical Depression HARVEY Headed for Gulf Coast of Texas and Louisiana


Aiming for the Texas and Louisiana Gulf Coast

Forecast to bring up to 15 inches of Rain


Provencher & Company

Staff in Place. Ready to Serve.

Winning Your Business One Claim at a Time!

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Western US Hail Severe Property Damage

Western US Hail storms are causing severe Commercial and Residential Property Damage. Provencher & Company has experienced staff in place. Call 866-722-5246.


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More than 4,000 homes have been damaged during this week’s historic flooding across areas of Louisiana. State officials said Sunday in an update that number is expected to grow.

As the Tangipahoa River overflowed its banks in many communities in south Louisiana, the Provencher & Company’s National Claim Center (Hammond, LA) faced concerns of being flooded by the rising water. While our building did not flood and was spared any damage, many areas in the parish are severely affected. Numerous roads and major highways are impassable with water still crossing over them, bridges have washed out, hundreds of families are displaced, homes and businesses destroyed with water reaching the roof levels in some spots, and all parish schools remained closed as of today. A section of I-12 westbound near Robert, LA took on water from the Tangipahoa River and had to be shut down for nearly 24-hours on Saturday due to water topping the roadway.

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Flooded Homes Along The Tangipahoa River, Ponchatoula, LA

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The Most Dangerous Time Of The Year


Keep fire safety in mind when heating your home in the winter months ahead. December, January and February are the leading months for home heating fires making it the most dangerous time of the year. Overall, heating equipment is the second leading cause of U.S. home fires and home fire deaths.

According to the National Fire Protection Association (NFPA) In 2011, heating equipment was involved in an estimated 53,600 reported U.S. home structure fires, with associated losses of 400 civilian deaths, 1,520 civilian injuries, and $893 million in direct property damage. These fires accounted for 14% of all reported home fires.

Heating equipment is a leading cause of home fire deaths. Half of home heating equipment fires are reported during the months of December, January, and February. Some simple steps can prevent most heating-related fires from happening. The winter season is one of the most dangerous times of the year for household fires, so take note of these tips to reduce your risk.

  • Keep anything that can burn at least three feet away from heating equipment, like the furnace, fireplace, wood stove, or portable space heater.
  • Have a three-foot “kid-free zone” around open fires and space heaters.
  • Never use your oven to heat your home.
  • Have a qualified professional install stationary space heating equipment, water heaters or central heating equipment according to the local codes and manufacturer’s instructions.
  • Have heating equipment and chimneys cleaned and inspected every year by a qualified professional.
  • Remember to turn portable heaters off when leaving the room or going to bed.
  • Always use the right kind of fuel, specified by the manufacturer, for fuel burning space heaters.
  • Make sure the fireplace has a sturdy screen to stop sparks from flying into the room. Ashes should be cool before putting them in a metal container. Keep the container a safe distance away from your home.
  • Test smoke alarms monthly.
  • Have working fire extinguishers.

Based on 2007-2011 annual averages:

  • Space heaters, whether portable or stationary, accounted for one-third (33%) of home heating fires and four out of five (81%) of home heating fire deaths.
  • The leading factor contributing to home heating fires (28%) was failure to clean, principally creosote from solid-fueled heating equipment, primarily chimneys.
  • Placing things that can burn too close to heating equipment or placing heating equipment too close to things that can burn, such as upholstered furniture, clothing, mattress, or bedding, was the leading factor contributing to ignition in fatal home heating fires and accounted for more than half (53%) of home heating fire deaths.
  • Half (50%) of all home heating fires occurred in December, January and February.

For more information on Fire Safety, view our post on  Home Fire Safety

From all of us here at Provencher & Company, please have a warm & SAFE winter season!

Simple Way To Find A Roof Leak & Prevent A ‘Catastrophe’

roof with chimneyIf you have recently discovered water stains that extend across ceilings or run down walls, the culprit is probably a roof leak. While tracking down the leak can sometimes be the hard part; the fixes are generally pretty easy though not always cheap. Below is a relatively simple way to locate the cause of a roof leak that most any person can do with minimal roofing or construction knowledge. 
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Home Fire Safety

October: National Fire Prevention Month
Would you know what to do if a fire started in your home? Would your children? Last week schools across the country participated in activities related to National Fire Prevention Week. If your kids are anything like mine, they came home with a wealth of knowledge and even some funny stories.  Continue reading 

Risk of Damage from Natural Hazards By State

Are you safe where you live? Find out in the article below whether you live in an area at risk for Natural Hazards.

Risk of Damage from Natural Hazards By State
Florida, Rhode Island, Louisiana, California and Massachusetts are the top 5 states for exposure to multiple natural hazards, according to an analysis by CoreLogic, a property data and analytics firm.
Michigan, West Virginia, New York, North Dakota and Vermont have the lowest score for exposure to multiple hazards, the report said.


The analysis was derived from the CoreLogic Hazard Risk Score (HRS), a new tool that gathers data on multiple natural hazard risks and combines them into a single score ranging from 0 to 100. The overall score indicates risk exposure at the individual property and location level.
For every geo-coded location across the U.S, the proprietary CoreLogic HRS is compiled using data representing nine natural hazards: flood, wildfire, tornado, storm surge, earthquake, straight-line wind, hurricane wind, hail and sinkhole.
Alaska and Hawaii were not included due to limited natural hazard risk data, CoreLogic said.
Locations with higher risk levels are exposed to multiple hazard risks and will, therefore, receive higher scores when the risk analysis is aggregated. Subsequently, locations with minimal risk levels have lower exposure and receive lower scores. Geo-coded locations are generated at the property-address level using latitude and longitude coordinates and include both residential and commercial properties.
“Florida’s high level of risk is driven by the potential for hurricane winds and storm surge damage along its extensive Atlantic and Gulf coastline, as well as the added potential for sinkholes, flooding and wildfires. Michigan alternatively ranks low for most natural hazard risks, other than flooding,” said Dr. Howard Botts, vice president and chief scientist for CoreLogic Spatial Solutions.
In calculating the overall score, both the probability of an event and the frequency of past events are significant contributing factors used to determine risk levels associated with individual hazards, as well as each distinct hazard’s risk contribution to total loss. The data is combined into an aggregated, consistent and normalized value that allows statistically valid combinations to be derived.
“In the past, natural hazards have been difficult to compare and combine in a meaningful way,” said Dr. Botts. He said the new Hazard Risk Score is a “single solution” that measures risk concentration consistently and pinpoints the riskiest places in the U.S. with accuracy.
“This insight is critical in conducting comparative risk management nationwide and fully understanding exposure to potential natural hazard damage,” he said.
CoreLogic says the score can be used to improve decision-making in a variety of business operations, including:
  • Business continuity and disaster recovery planning
  • Analyzing risk associated with a residential property or portfolios of properties
  • Measuring mitigation savings vs. total hazard potential damage
  • Evaluating and determining natural hazard risk levels of distribution and supplier networks
  • Recognizing which underinsured or uninsured properties may become at risk of default
  • Adverse selection avoidance and identification of “good risk” properties
U.S. Natural Hazard Risk by State*  (Ranked by CoreLogic Hazard Risk Score)
Rank  State   HRS
1           FL         94.51
2           RI         79.67
3           LA        79.23
4           CA        75.56
5           MA       72.12
6           KS        69.51
7           CT        69.04
8           OK       66.82
9           SC        66.38
10         DE       65.38
11         OR       64.89
12         NJ        61.54
13         IA        61.02
14         TX       60.89
15         NC       59.72
16         MO      57.81
17         DC       57.33
18         MS       57.05
19         AR       56.7
20         NH       55.3
21         ID        52.75
22         MD      52.28
23         CO       51.88
24         NE       51.86
25         IL         51.8
26         IN        50.74
27         GA       50.58
28         NV       50.12
29         AL       49.42
30         KY       47.34
31         TN       46.48
32         UT       45.22
33         NM      43.76
34         AZ       42.81
35         VA       42.35
36         WA      42.3
37         WI        38.52
38         SD        38.24
39         MT       37.91
40         MN      36.42
41         OH       34.61
42         ME       31.64
43         WY      30.24
44         PA        28.79
45         VT       28.31
46         ND       27.5
47         NY       24.97
48         WV      20.67
49         MI        20.22
Source: CoreLogic 2014
* AK and HI were excluded in the ranking due to limited natural hazard risk data
Article Originally Published By: Insurance Journal
*The posting of this article is for informational purposes only, as a courtesy to our reading audience. Provencher & Company does not own, has in no way been compensated for the sharing of this information, and content of said article belongs to that of the originating author. The use of or enrollment in any classes, seminars, training, etc. in no way constitutes or implies any endorsement of the provider of said programs. Provencher & Company shares no financial obligation to attendee or organizer.