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Now that the weather is changing throughout much of the country, many of us are heading outside to have some fun or start the home improvement projects that we have been planning for all winter. But before the outdoor fun begins, please remember to do it safely. Every year, more than 60,000 people are treated in emergency rooms for lawn-mower injuries. In 2016, there were 6,100 reported home fires involving gas or charcoal grills leading to $29.1 million in direct property damage, according to the National Fire Protection Association.
Be Safe While Having Fun
If you are planning on having some fun this spring, remember these safety tips:
If you are going on a bike ride, be sure to wear a helmet. Verify that the helmet sits level on top of the head–not rocking in any direction–and always fasten the safety strap.
When using a barbecue grill, always be sure to leave sufficient space between the grill and your home’s siding and eaves.
Keep children and pets far away from the grill.
With gas grills, be sure that the hose connection is tight and check hoses carefully for leaks.
If you own a pool, install a pool alarm to detect accidental or unauthorized entrance into the water. Always have an adult in the area when children are using the pool. Limit use of alcohol when enjoying your pool.
It would be a good idea to test all play structures, including tree houses. Check play structures for sharp screws, bolts, or nails. Make sure the swing set is on a level area and the legs are properly anchored.
Do not leave tools or sharp objects in the back yard.
Be Safe While Completing Work Projects
Spring is a good time to complete an inspection of all motorized equipment to make sure they are in good working order.
Always wear shoes and long pants when using gardening power tools to protect your legs and feet from flying rocks and debris.
Never start your projects when you are tired. Fatigue can cause severe injuries with accidental slippage while using a dangerous power tool.
If you are digging around your yard, confirm that there are no electrical or gas lines in the area.
Remember that your body may not be used to heat, so if it is hot be careful not to get heat stroke. Hydrate yourself on a regular basis.
All of us at RG Insurance ~ A Strong Company appreciate your continued business and referrals. Please don't hesitate to call or email us for any reason. We would love to hear from you!
Auto accidents are no fun. They cause injury, damage, and a lot of stress. However, the good news is that if you bought insurance from our agency you have the best possible combination of coverage, price, and service. You buy auto insurance to protect yourself in the event you are in an accident, and we are here to help you through the claims process.
Over the years, we have seen just about every kind of accident and response. We thought it might be beneficial to talk about what not to do after an accident.
Do not get upset or angry. Stay calm and make sure everyone is unhurt.
Try not to move the vehicle unless damage is minor and you can exchange information parked on the side of the road.
Never accept money from the liable party, rather than filing a claim.
Do not leave the scene. Stay on the scene until the matter is settled. In some areas, you may be required to call the police, even for minor incidents. Other times you may just need to file a report later.
Never admit an accident was your fault, even if you think it was. An apology can be construed as an admission of fault. Let the authorities determine who was responsible. Auto accidents can be disorienting even if you are not physically injured. You may not be aware of all factors leading up to the crash.
Don’t forget to document everything. Take photos and get contact information from all parties involved, including any witnesses.
According to the US Department of Justice, one American home is burglarized every eight seconds. The greatest weapons against burglary are light, time, and noise. It is a lot harder for a burglar to break into a home that has a well-lit yard, and that is difficult or noisy to enter.
Your homeowners or renter’s insurance can protect you from all kinds of losses, including theft or burglary. Call our office today to get a no-obligation review of all your personal insurance.
Here are some steps you can take to burglarproof your home and safeguard your belongings:
Secure All Doors and Windows Whenever You Leave Your Home. Sounds simple, but failing to lock all doors and windows when leaving home, is one of the most common mistakes leading to home robberies.
Leave a Light on in One or Two Rooms When You Leave Your House at Night. This will give your home the appearance of being occupied when you are away.
When on Vacation, Rely on a Trusted Friend. Tell them where you will be and how to reach you. Ask them to pick up your mail, newspapers, handbills, litter, packages, or anything else that would make it appear that you are not home.
Leave a Radio Playing on a Talk or News Station. This will make it sound like someone is home.
Never Open Your Door to a Stranger. Home invasions are becoming more commonplace. Sounds simple, but too many people will allow strangers into their homes posing as power company representatives, or other utility company workers. Ask for identification, and if you are still in doubt, call the company for verification before letting anyone inside. Keep your door closed and locked unless you know who is on the other side of it.
Always Keep Your Shades and Drapes Drawn at Night. A lighted house with open drapes is like a fishbowl at night, exposing its contents to every passerby.
Keep Your Home Well Lit. Mount exterior lights out of reach, in your yard and on your home.
Use Deadbolts. Discourage burglars by making it time-consuming to break into your home. Simple security devices such as deadbolts, window grates, and alarm systems will usually scare away any burglar.
Install an Alarm System. Noise is the number one deterrent for burglars. The most effective ones are the systems that will ring at an outside service, who will then contact the police.
It may be hard to beleive but spring is just around the corner and with that will come some vacation time. You may be going out of state or on a weekend trip, whatever the case we want your home to be safe while you are gone.
While you are on vacation your homeowner’s insurance is there to protect your family home and personal property. While homeowner’s insurance covers many types of losses, the following facts and safety tips might just help prevent a loss from happening.
Home Burglary Facts According To The FBI
27% of burglars enter through an unlocked door.
Burglars will use social media to select targets.
The average cost to replace stolen items is $4,800.
Follow These Homeowners Tips Before You Go On Vacation
Set electric timers for interior and exterior lights.
Stop all mail.
Tell your neighbor that you are leaving.
Don’t take all your credits cards on vacation, only take the ones you may need.
Don’t post vacation pictures on social media sites until your return home.
Have us complete a free home insurance review before you go.
Complete a home inventory and keep it in a safe place.