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What if you have a water back up in your basement?

By Jay Toole
April 10, 2019 Category: What If, Homeowners Policy, Flooding

Snapshot: Document everything that was removed from the basement in a detailed list. Remove carpet or other damaged flooring. Assess if further remediation is needed from a restoration company and contact your insurance agent. April showers may bring May flowers, but they could also bring some serious headaches. Common in old homes and homes built at low points relative to storm drains can suffer from basement flooding and water back up when a storm is heavy enough. This can mean water flooding the basement from drains or even sewage from the toilet. In the former case, the water may not have human waste but still be dirty enough to ruin your carpet, drywall, wood stairs, and household items that can absorb liquid. We have dealt with this personally and would gladly impart our wisdom onto you. Be prepared prior to the upcoming storms Keep electronics, shoes, towels, stuffed animals, and other items that can absorb water on higher shelves or in sealed, plastic totes. Totes without

Not All Auto Policies are Created Equal - 3 Things to Ask Your Agent

By Jay Toole
April 04, 2019 Category: Auto Insurance, Limits, Ask Your Agent

Your softball buddies ask you out for a burger after the season opener. You think to yourself, I ran around the bases at least 3 times. Ive earned it. You jump in the co-pilot seat of your teammates car and motor on to the downtown strip. In the distance you see the familiar sign of your favorite pub and can just taste the flamed burger that awaits. And just as you think your celebration is ready to commence, your classless teammate turns into the drive-thru at the nationwide burger joint that we will call PacDonalds. You feel crushed and a bit queasy. That second feeling may be from the food that has yet to hit your stomach. This fast food lesson can apply to almost any aspect of your life but as insurance nerds, we thought it gave a good representation how not all insurance policies are created equal. Check out these 3 questions you should be asking your agent about your auto policy. What are my limits? You hear the term state minimum often from a certain gecko, caveman, or general

Getting to Know GTG: Josh Dykstra the Boat Guy

By Jay Toole
February 13, 2019 Category: Boat Insurance, Marina Insurance, Eriesponsible

Towering over everyone in the office at 6 foot 5 inches, Josh is our go-to guy for files on the top shelf or if you need a really high, high-five. Being our marina and boat insurance specialist, you can usually find him on Lake Erie with his wife and son, catching as much Cleveland sunshine as possible before Winter sets in. Recently, Joshs passion for our Great Lake moved him to starting a non-profit dedicated to protecting and preserving this resource. The aptly named Eriesponsible has a mission to take steps now to preserve the health of Lake Erie for future generations. They take a common sense and economically viable approach that anyone can be a part of. From simple trash pick up as we boat or enjoy a beach front park to being more careful and using proper procedures when refueling your boat, Eriesponsible is dedicated to leading the charge. They will be offering educational programs, selling ecofriendly boating equipment, and doing their part to protect the lake for generations

The Dollar Bill Tip and How Your Credit Card Company Could Help You While on the Road

By Jay Toole
February 01, 2019 Category: Dollar Bill, Travel, Insurance Tip

When Tim Graydon decided to catch some sun rays during this cold, Cleveland winter, he and his wife headed down to Florida for a week to get away. Most of the bookings for the trip were done using his credit card that had some helpful perks including reimbursement for damage to rental cars if said card was used for the payment. This will be important later. During a leisurely lunch stop, Tim pulled his rental car into a spot next to a well-kept BMW and went in to enjoy a bite to eat. Upon leaving, the unfamiliar turn radius of the rental led to rubbing against the BMW leaving a 4-inch scratch across the door. After kicking himself for a silly mistake, Tim snapped a photo of the scratch next to a dollar bill and alerted the driver of the car. Dollar Bill Tip: Using a piece of US currency is greatly encouraged by insurance companies as it gives adjusters a uniform reference when looking at claims in photos. Being a nice car, this scratch ran a hefty bill of $700. We will cover the pros

How to spot Spoofing and Email Phishing

By Jay Toole
November 06, 2018 Category: Email Phishing, Email Spoofing, Cyber Security

Spotting Email Spoofing and Email Phishing is easy when you know what to look for. Read the definitions and examples below and protect yourself from these cybercriminals. Email Spoofing According to TechTarget.com: Email spoofing is the forgery of an email header so that the message appears to have originated from someone or somewhere other than the actual source. Email spoofing is a tactic used in phishing and spam campaigns because people are more likely to open an email when they think it has been sent by a legitimate source. The goal of email spoofing is to get recipients to open, and possibly even respond to, a solicitation. Although most spoofed email falls into the nuisance category and requires little action other than deletion, the more malicious varieties can cause serious problems and pose security risks. For example, a spoofed email may purport to be from a well-known shopping website, asking the recipient to provide sensitive data such as a password or credit card number.

Get to Know GTG - Kevin Toole

By Jay Toole
August 28, 2018 Category: Get To Know GTG

The Toole Family Roots in Bay Village, Ohio The whole Toole Family plus the latest grandchildren at a local 5k run. Growing up in the seventies meant that the door was never locked, short shorts were in style, and Kevin Toole, one of the 3 owners of the Graydon-Toole Group, was out of the house in the morning only to wander back to refuel or get a daily chore done. Being one of three siblings, Kevin and his younger brother, Billy Toole, were known throughout Bay Village for their basketball prowess. They would be the first ones to the park in the morning and the last ones to leave as the basketball court lights shut off at the end of the night. Weekends were filled will cars full of teenagers being shuttled across town to play against anyone and everyone in the Cleveland area who had loved the sport. Seeing Kevins skills in high school and college, one would assume he was one of the lucky ones who was born with the ability and grit to be successful at the physically and

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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