June 2020

New Logo and Name for Our Business...

In the coming days you'll be seeing our agency name and logo morph into Central Sequoia Insurance & Financial Services. Same people, place, and service you expect from a local/regional insurance agency, just a single focus to the Central Sequoia name. Eventually the CIG Central Valley Insurance Agency name will fade away.

Phil Oliver, Managing Partner
4 Reasons You Should Only Hire Insured Contractors
Any home project job site can become a place of danger that can harm you, the contractor, or any other people working onsite. Here are four reasons why you should only hire insured contractors.

Damage liabilities. When job-related damages arise, uninsured contractors may not be able to foot the bill. This leaves you with the double headache of solving the underlying problem and seeking to collect from a contractor or other responsible party. Working with an insured contractor ensures that there will be an insurance company that is able to cover the damage up to the limits of the policy, giving you peace of mind.

Contractor responsibility.  When evaluating contractors, it is difficult to make a true determination of a contractor's level of responsiveness and responsibility toward clients and their obligations. While a person can rely on online reviews, a contractor who is licensed and insured demonstrates that the person and his or her employees take their obligations seriously.

Property value. Working with an uninsured contractor may impact the value of your property. If the work was not up to code, you will have to disclose that information to potential buyers.

Correcting errors.  Sometimes, even the most well-meaning contractors can make mistakes that end up costing you down the line. An insured contractor will be more likely to fix their mistake or at least have the funds to enable you to fix it.

If you have an upcoming home project, call us so we can walk you through the types of insurance contractors should have to make sure you are protected.
Quick Quiz
Each month I'll give you a new question.

Just email us and submit your answer.
Who pioneered the use of photographic film and offered his first camera, called Kodak, for sale in 1888?
First 10 responders will be entered into drawing for 3 Starbuck's gift cards.
Last month's winners were:

Brenda Mendoza
Rodney Nielson
Nikki Moncton
Get Our Free Working From Home Survival Guide
As we continue to social isolate, working from home (WFH) life can start to feel overwhelming. I’ve put together a helpful guide to help you bust some bad habits and help you become your most productive self.

Click to download your copy of my “Working from Home Survival Guide." 

Handling Pressure: Lessons from an Olympic Coach
Olympic-level athletes work their way to the podium thanks to years of physical training, but world-leading peak performance psychologist Dr. Don Greene knows exactly what it takes to keep their minds in top shape, too. Whether it's nailing an investor pitch or preparing for a speaking engagement, Greene's tried and tested methods can help you handle high pressure situations in your work life too.

Greene begins by getting his clients to raise their heart rates and take part in vigorous activities like jumping jacks before undertaking practice runs without stopping. By learning to loosen up before each practice, you'll be able to train yourself to keep a similar sense of calm when you need it most.

He also highlights a key difference between "practicing practice" and "practicing performing," the former being the mechanics of learning something and the latter being a nonstop run-through that simulates the adrenaline you'll no doubt feel.

In the same vein, treat adrenaline like an old friend and harness it. If you're doing something you care about, adrenaline will surely show up, so there's no point in trying to bottle up nervous energy. It will simply hamper your performance.

Perfection is the enemy of progress. Greene advises to strive for excellence and not perfection, as the obsessive tendencies that arise can become crippling. He urges clients to try not to fixate on things outside of their control, and, once it's all over, to celebrate all the things they did well, too!

Potato & Sage Frittata
You can cook up this easy frittata in an ovenproof skillet and enjoy for breakfast, brunch, or any time of the day, for that matter!
Serves 8
•3 tablespoons extra-virgin olive oil
•10 large eggs
•1/4 cup minced fresh parsley
•3 tablespoons milk
•1/4 teaspoon salt
•1/8 teaspoon pepper
•2 medium potatoes, peeled and thinly sliced
•2 green onions, finely chopped
•4 fresh sage leaves, thinly sliced
•2 cups shredded Jack or cheddar cheese
•2 plum tomatoes, sliced
Preheat oven to 400°F.
In a large bowl, whisk eggs, parsley, milk, salt, and pepper. Set aside.

In a 10-inch skillet, heat oil over medium heat. Add sage, onions, and potatoes and cook until potatoes are tender.

Lower heat. Sprinkle with cheese, add egg mixture, and top with tomato slices. Lay slices in a circular pattern if you want it to look a little fancy.

Bake for 20-25 minutes or until eggs are completely set (until the center is no longer jiggly) and the edges are golden brown. Cool for 15 minutes.

Cut into wedges and serve.
Are You in Danger from Identity Theft?
At least nine million Americans have been the victims of identity theft. Don’t be one of them!

Discover how to protect yourself and those you love from the pain and expense of having your identity stolen by requesting our free guide, "Inside the Mind of an Identity Thief."

Just send us an email asking about the free guide, and I'll send it right out to you.
Protect Your Home with These Fire Safety and Prevention Tips
With summer in full swing, we think about the joys of warm weather and BBQs but not always about the possibility of home fires, which can cause severe damage. Below are just a few fire safety and prevention tips that can keep your home and family safe to help ensure the worst never happens.

Install smoke alarms and carbon monoxide detectors. Few preventative methods are as effective as battery-powered smoke alarms and carbon monoxide detectors at alerting you to a true emergency. For the hearing impaired, alarms with bright flashing lights are a necessary purchase.

Have a fire extinguisher at the ready. Most fires that occur in homes do not start out as five-alarm blazes. From kitchen fires to mishaps in the garage, having a fire extinguisher nearby can mean the difference between a burnt stovetop or workspace and the loss of your home and property.

Invest in a home fire sprinkler system. For fires that accelerate quickly, a home fire sprinkler system can quickly spring into action and douse the affected areas with water in order to control the spread of the fire and protect your loved ones.

Check your home for fire hazards. Oftentimes, simply checking your home for fire hazards makes a crucial difference in the likelihood of a fire occurring. Old or frayed cords, extension cords that are overloaded, decaying or corroded batteries, and other hazards are easy to take care of before they cause a fire in your home.

Make sure your family has a fire preparedness plan. Speak to your children about fire safety, plan ways to exit rooms, and determine a meeting place outside your home should a fire occur.

When thinking about how to protect your home from a fire and the lengthy recovery process, reach out to our office so you can be sure you have the best insurance coverage possible and have covered all your bases so that you and your family are fire ready.
6 Hygge Decor Tips to Bring More Calm to Your Home
When it comes to home comforts, the Danish have it down! Using the principles of hygge, the concept of valuing warmth, coziness, and togetherness, Danes infuse their decor with the good feeling that arises from an aesthetically pleasing and well-curated environment. Take a leaf out of their book and use these decor tips to get the hygge flowing at home.

1) Avoid loud color schemes. Instead, create a calm space with a monochrome or delicately balanced palette: think earth tones and soft hues. A neutral color palette takes the focus away from the walls and allows the room and its comfy contents to do the talking.

2) Balance your harmonious colors with texture. A mixture of materials and patterns adds character to the minimalism whilst adhering to the color palette. Use warm, natural textiles like wood, leather, and wool.

3) To be able to truly embrace the hygge lifestyle and make space for coziness, a mess-free canvas is crucial. Try decluttering your living area and investing in smart storage solutions like cord hubs, ottoman storage boxes, and hidden shelves behind headboards.

4) Once you've cleared your space, create comfort by decorating with fluffy pillows, layers of blankets, and candles. Perhaps there's a nook or a window bench you can transform into a space for relaxing with a hot mug of cocoa or a good book.

5) Candles are to hygge as water is to swimming. Transform ordinary evenings into candle-lit memories with the soft glow of candles. It's a kinder form of light perfect for relaxing and spending quality time with loved ones.

6) Explore the simple pleasures of daily rituals in your new surroundings, and set aside time for self-care every day to instill hygge within.

Our Staff is Working from Home and are Ready and Willing to Serve You!