News You Can Use – November 2020

News You Can Use – November 2020



After Thanksgiving Turkey Soup


  • Left-over cooked turkey carcass
  • 5 quarts water
  • 1 c. chopped celery
  • 1 c. minced onion
  • 2 T. minced garlic
  • 7 chicken bouillon cubes
  • 1 bay leaf
  • 1 t. thyme
  • 2 c. chopped carrots
  • 1/4 c. butter
  • 1/4 c. all-purpose flour
  • 1/2 c. chopped parsley
  • 1 c. fresh, frozen or canned peas (optional)
  • salt and pepper to taste
  • 4 c. (8 ounces) fine egg noodles



13630 Ridge Road
Albion, NY  14411
Phone 585 589-6236
Hours 8:00am – 4:00pm


Just Keep Talking

Referral Program


Chance #1
Tell a friend, a colleague, a relative, an acquaintance…whoever…about us.  When they contact us we’ll send you a $20.00 Gift Card


Chance #2
Every month we’ll randomly draw from the month’s Chance #1 qualifiers. The winner will receive a $50.00 Gift Card


Grand Prize
In December, we’ll conduct a random drawing from all the current year’s entries and the winner will receive a new iPad!


3 Chances, 3 Prizes for YOU to WIN!


The Southcott Agency Inc. “Just Keep Talking!” Program Rules:  Available upon request

As always, call the office if you have questions  at

(585) 589-6236


Here are some excellent tips from our Claims Team for Harvest Time:

With harvest quickly approaching, I’d like to offer some friendly reminders. These reminders will assist us in processing any harvest claims efficiently and effectively and help reduce any possible issues.

Carryover grain MUST be measured by us or a USDA representative PRIOR to the start of this year’s harvest. RMA procedures do not allow for exceptions to this rule! Carryover production that has not been measured will be counted toward the current year’s production. If a measurement is needed, please submit a bin inspection.

Grain must be sold as insured.

Please provide us with your current phone numbers for easy contact

Provide notes on the NOL when submitting a claim detailing the info regarding the loss

Please track production on a unit basis

Claims for production losses should be submitted within 15 days of the EOIP (harvest complete) and revenue losses should be submitted within 45 days of the price release.

If you have any questions or concerns, please feel free to reach out to me at any time! Thank you for your continued partnership with The Southcott Agency Inc.

Wheat and forage acreage reports are due by November 15th

Final wheat plant date is October 10th. 15-day late plant period is October 25th. Prevented planting claim for wheat must be filed 72 hours after final day of planting, then actual acreage of prevented planted acres must be declared on acreage report.


2020 crop insurance premiums have been billed.  The first of every month, interest is added.

***Interest on all crops postponed until December 1st due to the impact of Covid 19.

  • Apples grapes, peaches, and cherries premium due by November 20th.
  • Wheat premium due November 30th.
  • Onion premium is due February 1st.
  • All other crops are due March 15th.
  • !!! If you pay the premium after the termination date, you are ineligible to insure your crop in the next year!!!


When filing a claim…

File the claim as soon as you think you have damage.  The policy says to file within 72 hours of noticed damage.

Some crops require you to leave strips in the field for adjuster to inspect.

The latest you can file a claim is 60 days after the end of the insurance period (for corn and soybeans it is December 10th). 

The end of the insurance is also the last day of the harvest.

Revenue policies, when there is no production loss, have 45 days after the harvest price is released to make a claim.  The soybean price is released November 5th and the corn price is released by December 5th.


Sales Closing for apples, grapes, peaches, and cherries is November 20th

Make sure the correct entity information, insured crops, insured counties, options, unit structure, and insurance level are all selected correctly.  2020 Production  Report & 2021 Acreage Report are due by January 15, 2021.


As always, do not hesitate to call  (585 589-6236) if you have any questions.


November is National Alzheimer’s Disease Awareness Month, bringing attention to the dementia disease and its prevalence amongst the U.S. population

Tips for fighting Alzheimer’s Disease: Exercise, nutrition and mental stimulation are part of a healthy lifestyle and a possible way of managing this devastating disease.


Stay Active: Go for a walk, Take a dance class, Go swimming

 Enjoy a Healthy Diet: Fresh fruits, Green leafy vegetables, Whole grains, Fish, nuts, seeds, and oils high in omega 3 fatty acids

Exercise your mind: Read newspapers and books, work on puzzles, learn a new hobby

November 2020


November is full of special days to celebrate!


November 11: Veteran’s Day

On Veterans Day, Americans honor the country’s brave military service members. Take some time to teach children about the importance of the day and thank veterans for their service. Also, consider donating to one of the many charitable organizations that serve veterans.



November 26: Thanksgiving

Thanksgiving is a time for family, friends, food, and giving thanks. Whether the star of the dinner table is the, the, the,the, today’s a day to treat yourself while recognizing the good things in life.


Amazing Facts About the Turkey

The modern domesticated turkey descends from the wild turkey.

Turkeys are known to exhibit over 20 distinct vocalizations including a distinctive gobble, produced by males, which can be heard a mile away.

Individual turkeys have unique voices. This is how turkeys recognize each other.

Wild turkeys are able to fly at up to 55 mph, however only for relatively short distances. Most domestic turkeys however are unable to fly due to being selectively bred to be larger than they would be in wild circumstances.

The area of bare skin on a turkey’s throat and head vary in color depending onlevel of excitement and stress. When excited, a male turkey’s head turns blue, when ready to fight, it turns red.

The long fleshy object over a male’s beak is called a snood.

Turkeys have 5000 to 6000 feathers.



November 3: Sandwich Day


Is the sandwich a perfect food?  Mike thinks his daily peanut butter and jelly sandwich makes his lunch perfect!  Sarah would say a Rueben with coleslaw (not sauerkraut) is a winner.  Heather’s favorite is capicola with provolone and onion and I enjoy an egg salad and lettuce on white bread. Sandwich Day is the perfect day to have your favorite!







November 15: National Clean Out Your Fridge Day

To free up some space for Thanksgiving cooking, use this day as a reason to clean out your fridge.



November 23: Fibonacci Day

Leonardo Fibonacci was a famous mathematician, and this day is celebrated as Fibonacci Day. When the November date is written in the month/day format (11/23), it forms a Fibonacci sequence: 1, 1, 2, 3. This famous sequence is a series of numbers where each number is the sum of the two numbers before it. Impress someone with this information, and try to count as far into the sequence as you can doing mental math.







November 28: Small Business Saturday

(Saturday after Thanksgiving)




After the Black Friday crowds at big box stores die down, it’s time for small businesses to shine on Small Business Saturday. Head out to support your neighborhood shops today. Besides retail stores, don’t forget about locally owned restaurants and other businesses, too.





Go Back…


We know long, slow, cooking tenderizes lean, tough cuts of meat and makes for wonderful soups with that long-cooked goodness.  Go back to your mother’s old recipe file.  Many older, and authentic recipes which have been handed down from generation to generation were born of the necessity to conserve tight financial resources in tough times. A good number of recipes from the Great Depression still survive as family favorites today.

Numerous dishes with ethnic roots make frugal use of meats, substituting and supplementing quality proteins such as eggs, grains and beans in order to stretch the meat budget. These long-time favorite recipes are big on flavor and easy on the pocketbook and thus have remained popular with cooks and their families over the years.

Then came the era of canned soup. When canned soup was introduced to the market, it was a novel and economical way to put food on the table in record time. At only 10 cents a can when introduced, canned soup became an affordable staple found in every pantry, ready to dress-up casseroles, gravies and stews. At today’s price which sometimes approaches $3.00 and up, it will pay now, more than ever, to acquire the knack of creating homemade soup and broth.

  • Add first 9 ingredients to 8-quart pot or Dutch oven.  Heat to boiling, then cover and simmer for 1 hour.
  • Remove carcass and let cool. Add parsley and peas. Continue to simmer. Remove meat from carcass and return pieces to soup.
  • Melt butter in small pan and add flour. Cook over low heat stirring constantly until flour is browned. Stir into soup. 
  • Add egg noodles and simmer until noodles are cooked and flavors have blended.  Add salt and pepper to taste.

The Mountain Story

A son and his father were walking in the mountains. Suddenly, the son falls, hurts himself, and screams: “AAAHHHHHHHHHHHHHH!” To his surprise, he hears the voice repeating somewhere in the mountain: “AAAHHHHHHHHHHHH!” Curious, he yells, “Who are you?” He receives the answer, “Who are you?” Angered at the response, he says, “Coward.” He looks to his father and asks, “What’s going on?” The father smiles and says, “My son, pay attention.” And then he shouts to the mountain, “I admire you!” The voice answers, “I admire you!” Again, the man shouts, “You are a champion!” The voice answers, “You are a champion!” The boy is surprised, but does not understand. Then the father explains, “People call this an ECHO, but really this is LIFE. It gives back everything you say or do. Our life is simply a reflection of our actions. If you want more love in the world, create more love in your heart. If you want more competence in your team, improve your competence. This relationship applies to everything, in all aspects of life; life will give you back everything you have given to it.”


Save money on your home insurance!

I want to let you in on the knowledge I have accumulated as an insurance professional because I have found time and again my willingness to provide an honest assessment of your needs has been critical in building my business.  You can undoubtedly find cheap insurance on-line!  But I won’t avoid the facts. There really is more to homeowner’s insurance than saving money.  Can you imagine losing part of your roof in a wind storm and receiving a claim check that is a fraction of the cost to repair the damage.  Our office believes in explaining the different ways to value your home and give you the ability to make an informed decision about the value of your property.  Valuation: It is what insurance companies pay for the claim or loss to certain covered property.  Here are two value definitions commonly used and found in homeowners policies.   


Replacement cost: This pays the actual amount to replace or repair the damaged property at the time of loss with materials of like kind and quality without a deduction for depreciation.

Most insurance companies use a formula taking into account the age of a home or building, types of materials used in construction, quality of materials used in construction, the area you live in based on ZIP Code, as well as any other special or unique features. They will determine a replacement cost per square foot and then multiply it by the total size of the home or building and that will equal the home or building’s full replacement cost.

A simplified example: after wind storm caused $40,000 of roof damage, your claim check would be $40,000 minus your deductible.


Actual Cash Value:

This pays the cost to replace or repair the covered property with a calculation to reflect depreciation.

Let us use the same home from our previous example. We have our home’s replacement cost estimated at $270,000. You choose to ensure it at an actual Cash value for $140,000. You then experience a windstorm that damages a good portion of the roof. The estimate from a contractor to fix the roof is for $40,000. The roof is 12 years old. The insurance company uses a 3% per year depreciation factor. The calculation would look like this:

 $ 40,000 estimate for repair to roof damaged by wind

-$ 14,400 depreciation factor, (3% per year X 12 years old roof = 36%)

$ 25,600 actual cash value settlement of claim before policy deductible


In this case,  your out-of-pocket expense will be about $14,000!  The question to ask yourself is, “In the case of a loss, will the premium savings be worth it?)  Please tell your family and friends that all of us at The Southcott Agency Inc. have your best interest in  mind when we write a policy.  And remember, every time you refer  us, we will send you a $20.00 gift card.


Find out more on Mike’s blog


Important Crop Insurance Information


Are you Plowing Snow this Winter?

I know we’ll have snow.  The question is are you plowing other people’s driveways?  If you are being paid to plow for others, your pick-up needs different insurance.  It should be covered on a commercial auto policy to avoid having any claims denied.  Say you have been plowing your neighbor’s driveway for $40.00 per visit.  This seems like a great deal for you until during a snow gust, you accidently clip their garage with the plow.  The homeowner is paying you to plow and will expect your insurance to cover the damage.  However, your personal auto insurance company can deny the claim!  You need to tell us how you are using your vehicle so we can be sure you’ll have the right coverage.


13630 Ridge Road
Albion, NY 14411
Phone 585 589-6236
Hours 8:00am – 4:00pm