Bensman Risk Management, Inc.

Insurable Interests

Bensman Risk Management, Inc.
2333 Waukegan Road Suite 275
Bannockburn, IL 60015
847-572-0800 Phone
847-572-0502 Fax

Insurable Interests may offer general financial, insurance, tax and business ideas. However, due to the ever-changing tax laws as well as the complexity of the financial industry, you should seek professional advice before implementing any of the ideas contained in this newsletter. The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C. assumes no liability whatsoever in connection with the use of this newsletter.

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Securities offered through Kestra Investment Services, LLC (Kestra IS), Member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC (Kestra AS). Kestra IS and Kestra AS are not affiliated with The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C.

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Insurable Interests

Vol. 15, Issue 2October 2019


Prepare for Winter Before It Arrives

Predicting the weather – especially months out – is an inexact science. But what we do know is that winter is coming and, according to some forecasts, it is going to be a rerun of last winter. If you want to make sure you are safe and warm this winter, this is what you should be doing now:

Get your furnace checked. The colder it gets, the harder it can be to get an appointment for a furnace check. So act soon, because you don’t want your furnace to stop working when the mercury drops below zero.

Have your fireplace inspected. A fireplace can make even cold nights seem cozier. And if your furnace quits or your power goes out, a fireplace could be your only source of heat. Have a professional check your fireplace and chimney to make sure everything is clean and in working order. You also might want to pile up some wood where you can get to it as you need.

Check your house for air leaks. Once it gets colder, stand near the doors and windows of your home and see if you can feel cold air coming in. If so, use caulk or draft stoppers to stay toasty.

Make sure your fire and carbon monoxide detectors work. Faulty furnaces can cause leaking carbon monoxide, which can be fatal. And home fires are more common in the winter.

Have your roof inspected and your gutters cleaned. If your gutters are full of leaves and debris, it can cause water and ice to back up and damage your roof. You also want to make sure that there is no existing roof damage and, if there is, get it repaired.

Take a look at your trees. Do any big branches hang over your roof or rub up against it? If so, call a tree trimmer to take a look.

Consider a generator. If power outages are a problem where you live, you might want to get a generator. Before you start it up, though, make sure you know how to use it.

Make an emergency kit. The kit should include flashlights and batteries, blankets, matches, a battery-operated radio with extra batteries, additional clothes like sweatshirts and coats, and non-perishable food. Once winter arrives, make sure your cell phone is always fully charged, especially if bad weather is expected.

Prepare for snow removal. Line up a snow removal service or make sure your snow blower is ready, stock up on salt, and move snow shovels and other tools for removing snow and ice to a place where you can get to them easily.

Make sure your car’s gas tank is full if freezing temperatures are expected. Then stock in some hot chocolate and old movies, and settle in to enjoy whatever Mother Nature sends our way.

While you are focused on preparing for whatever comes, consider whether your insurance coverages are up to date. We are always happy to talk with you about any of your risk management and wealth management needs. Contact us at 847-572-0808 or

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