Memorial Day
Honoring Our Heroes: A Memorial Day Reflection
As we gather this Memorial Day to enjoy time with family and friends, it’s essential to pause and reflect on the true meaning of the holiday. Memorial Day is more than a three-day weekend or the unofficial start of summer—it’s a time to honor and remember the brave men and women who have made the ultimate sacrifice in service to our country.
Their sacrifices remind us that the freedoms we enjoy today have come at a cost, and it’s our responsibility to honor their memory with gratitude and respect.
But Memorial Day is also a time to extend our appreciation to all veterans and active-duty service members. While this day is set aside to remember those who gave their lives, we should also recognize the contributions of those who have served and continue to serve. Their courage, strength, and selflessness inspire us to be better citizens and community members.
Whether you’re enjoying a barbecue, spending time outdoors, or simply reflecting at home, let’s make space in our hearts and minds to express gratitude. Today, and every day, we thank our veterans and remember our fallen heroes.
Happy Memorial Day USA
-Domingo & Associates, Farmers Insurance
Do You Have COMPREHENSIVE Coverage?
FORE!!!
If a golf ball shatters your car’s windshield, comprehensive auto insurance likely covers the damage. Comprehensive coverage protects against non-collision-related incidents, like theft, vandalism, or a wayward golf ball. The claim payout depends on your deductible—if the cost to repair is less than your deductible, you’ll cover it yourself.
Glass Deductible Buy Back is an optional add-on available with some policies (e.g., Farmers) that lowers your deductible for windshield and glass repair to $100.
If a golfer damages your car while driving or parked, and you can identify the responsible person, you might be able to make a claim through their insurance. If the incident happens on someone’s property, like a golf course pro shop, homeowners insurance may cover the damage.
To be prepared, discuss with your insurance agent about comprehensive coverage and options like the glass buyback deductible.
Workout of the Month - THE MURPH
The Murph is a hero workout (WOD—Workout of the Day) done to honor Lt. Michael P. Murphy, a Navy SEAL who was killed in action in Afghanistan in 2005. The workout was one of Lt. Murphy’s favorites and was originally called “Body Armor.” After his death, it was renamed “Murph” to honor his sacrifice.
Here’s what the Murph consists of:
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1 mile run
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100 pull-ups
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200 push-ups
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300 air squats
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1 mile run
All while wearing a 20-pound weighted vest (or body armor) if you’re able.
Why Do People Do the Murph?
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To Honor a Hero: Completing the Murph on Memorial Day has become a tradition in the CrossFit and fitness community. It’s a way to honor Lt. Murphy and all fallen service members who have sacrificed their lives for our freedom.
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Physical Challenge: The Murph is physically grueling. It tests your endurance, strength, and mental toughness. It’s a benchmark workout to push yourself and see how far you’ve come in your fitness journey.
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Sense of Community: Gyms and fitness communities come together to do the Murph, creating a powerful sense of camaraderie and collective purpose.
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Personal Growth: Completing the Murph isn’t just about physical strength—it’s about resilience and perseverance. It teaches you to keep going when things get tough.
Recipe of the Month - Protein Coffee
Protein is essential for:
✅ Building and repairing tissues – including muscles, skin, and organs.
✅ Making enzymes and hormones – which regulate many body processes.
✅ Supporting immune function – by creating antibodies.
✅ Providing energy – though it’s not the body’s primary source.
✅ Promoting satiety – helping you feel full and satisfied.
For active individuals, protein is vital for muscle recovery and growth. And for overall health, it’s key to maintain healthy hair, skin, nails, and a strong immune system.
One of the easiest ways I get protein, by mixing it in my coffee! I like to make my coffee the night before with my Nespresso and keeping it in the fridge so it is ready to go in the morning.
Directions:
1. Fill a cup with ice.
2. Add small amount of creamer of your choice.
3. Add in coffee from the night before.
4. Top with protein drink of your choice.
(Fairlife, Premier Protein)
5. Stir, sip, and enjoy and easy 30 g of protein!
A Note from the Agency Owner
Below is an update from Chat GPT
🏠 Home Insurance Market: Rising Costs and Regulatory Reforms
🔥 Escalating Premiums and Coverage Gaps
Homeowners in California are facing substantial increases in insurance premiums. State Farm, for instance, has announced a 17% rate hike, with a potential additional 11% increase pending approval. These adjustments are attributed to severe capital depletion following significant wildfire-related losses, such as the $7.6 billion in damages in Los Angeles County. If approved, average annual premiums could rise by $600 for homeowners, $163 for condo owners, and $30 for renters .The Guardian+2San Francisco Chronicle+2CalMatters+2The Guardian+1San Francisco Chronicle+1
Moreover, a concerning trend of underinsurance persists. A California State Board of Equalization hearing revealed that 40-80% of wildfire survivors report being underinsured, with some estimates indicating that two-thirds of disaster-affected homeowners were underinsured by an average of 34% .San Francisco Chronicle
🧭 Regulatory Reforms and Market Stabilization Efforts
In response to these challenges, California has implemented significant regulatory changes. Insurers are now permitted to use advanced catastrophe models to set rates, allowing for more accurate assessments of wildfire risks. In exchange, insurers are required to write policies in high-risk areas equivalent to 85% of their statewide market share. Additionally, insurers must offer discounts for homes that meet specific fire mitigation criteria .The Guardian+8PR Newswire+8Los Angeles Times+8PR Newswire+5Los Angeles Times+5Los Angeles Times+5
The state has also introduced a rule allowing insurers to pass on reinsurance costs to consumers, a move intended to stabilize the market and encourage insurers to remain in the state .Los Angeles Times+4San Francisco Chronicle+4Los Angeles Times+4
Please call our agency for your Farmers Friendly Review. We hope you are enjoying of Family Insurance Agency Blog.
Kindly, Glenn & Amanda Domingo