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Author: Jay Toole

St Patrick's Day and the Most Unlucky of Insurance Claims

By Jay Toole
March 16, 2018 Category: St Patricks Day, Claims

The luck of the Irish is nearly upon us and brings on a moment of reflection.Though many have asked, as far as we know the Toole in Graydon-Toole Group did NOT use to be OToole. That being said, we are still plenty Irish and thus love the festivities that St Patricks Day brings. From parades to morning road races to the are absolute favorite- corned beef sandwiches, we thought today would be a great time some humor. These are our 5 favorite reasons for a claim we have ever seen! Stay safe with whatever adventure you embark on tomorrow and Happy St Patricks Day.

You Should Know: Homeowners Policy - Vacancy Exclusion

By Jay Toole
January 09, 2018 Category: Homeowners, Insurance

Inside your Homeowners Policy there is an exclusion for vacancy. This means that you would not be covered if your property was vandalism or freezing of plumbing if the building was vacant for 60 consecutive days immediately before the loss. Scenerio: Bob has a property across town that he does not live in or rent out. The property has been vacant for 90 days. Some teenagers decided to graffiti the side of the house. This would NOT be covered under his homeowners policy because it has been vacant for 60 days prior to the vandalism. What qualifies a property or building as vacant? A property or building will qualifiy is it has been vacant for 60 consecutive days or more. Are frozen pipes ever covered if the building was vacant? The isured can potentially be covered if they used reasonable care to maintain the heat. Insurance can be boring and confusing at times- but not to us! Have a question on your policy that is stumping you? Give us a call at440-349-3670 or email at Info@I

What to do if you were in a car accident

By Jay Toole
July 10, 2017 Category: General

Car accidents are scary and emotional for everyone involved. However it is critical to keep a calm and level head so that the whole ordeal can be run a lot smoother. Here is a complete check list of what to do in the case of a car accident: If possible, move the vehicle to a safe area If the vehicle can still drive, move it off to the side of the road into a safe location. This can include a parking lot, the shoulder of the road, or any area out of the line of traffic. If the car cannot be moved, turn on your hazard lights to alert drivers you are not able to move anywhere. Turn off vehicle and get out If you are not seriously injured and can safely move, turn off the vehicle, take a big, deep breath, do a quick inspection of the vehicle to make sure it is safe to exit, and get out. If you have safety signage or flairs, remove them from the car and place them in way to alert other drivers of the accident. Check with the other passengers and drivers Make sure all parties involved

New Building for Graydon-Toole Company!

By Jay Toole
June 26, 2017 Category: Building

We are officially excited! After months of planning we are in the final stages of transitioning into our new building. You can still expect the same owners same staff but now in a beautilful new building. Changes coming by September of 2017.

New Name. Same Great Service.

By Jay Toole
February 16, 2017 Category: General, Insure, Logo, About Us

Grayon-Toole Group was not born overnight. In fact, we are over eight decades in the making. We started with humble beginnings in the 30s, pushing paper and providing insurance services to the city of Cleveland. This was before fancy software, nearly instant quotes, or even the internet. Even in writing this blog post we became interested in seeing what a 1930s office might look like.(Give yourself the treat of looking at these photos from the office space of this decade.)Technology will always continue to change, automate, and simplify our lives though there is one thing that it will never replace- the trust and bond that takes place with face-to-face contact and a trusting relationship. This has been our focus since our founding- embrassing technology while maintaining a strong and loyal relationship with our clients. So while you will now know us as the Graydon Toole Group, an insurance firm focused on getting you the best coverage for the best price, know that we will not stray

Pitfalls of 'State Minimum Cover'

By Jay Toole
February 16, 2017 Category: Auto, Insurance, State Minimum, Coverage, Policy, Tips

You have seen the comercials, you have heard the radio ads, and you have grown to love (or hate) the various spokes-characters. The tout the same thing- keeping you legal on the road for less. This may be the best option for some but if you are driving around with state minimum coverage, you are likely leaving yourself liable for a lot of headaches- physically and financially. In Ohio, the state minimums are as follows: In Ohio the required minimum for Bodily Injury Liability Coverage is currently $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident. The required minimum for Property Damage Liability Coverage is $25,000 for injury to or destruction of property of others in any one accident. To find your own states minimum coverages, call a local agent or do a quick online search: {State} minimum auto insurance. If you are considering bare minimum car insurance, here are the needed facts you should know: When bare minimum makes sense If

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