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July 28, 2020
July 13, 2020
In recent years, excessive heat has caused more deaths than all other weather events, including floods. A heat wave is a prolonged period of excessive heat, often combined with excessive humidity. Generally temperatures are 10 degrees or more above the average high temperature for the region during summer months, last for a long period of time, and occur with high humidity as well.
There are three different excessive heat weather condition warnings:
Excessive Heat Watch - Conditions are favorable for an excessive heat event to meet or exceed local Excessive Heat Warning criteria in the next 24 to72 hours.
Excessive Heat Warning - Heat Index values are forecast to meet or exceed locally defined warning criteria for at least 2 days (daytime temperatures =100 - 105º Fahrenheit).
Heat Advisory - Heat Index values are forecast to meet locally defined advisory criteria for 1 to 2 days (day time highs =100-105º F.)
To prepare for these situations, listen to local weather forecasts and stay aware of upcoming temperature changes. The heat index is the temperature the body feels when the effects of heat and humidity are combined. Exposure to direct sunlight can increase the heat index by as much as 15º F.
Know those in your neighborhood who are elderly, young, sick or overweight. They are more likely to become victims of excessive heat and may need help. People living in more urban areas are at greater risk than people living in rural areas. Ensure your animals’ needs for water and shade are met.
There are two major types of heat related illnesses Heat Exhaustion and Heat Stroke
If heat exhaustion is left untreated it can lead to heat stroke. Although both conditions are serious, heat stroke is a major medical emergency! The critical thing to do is get the victim’s body temperature cooled down. Heat stroke can lead to death.
Remember Heat Stroke is a medical emergency and can cause the victim to slip into a coma - getting a victim’s body temperature cooled down is more important than getting fluids in their body! The first 60 minutes of treatment are critical to avoid organ damage. Recovery may take from 2 - 12 months depending on the extent of overheating damage.
Dave Reed Insurance, the Peace of Mind People®, cares about our customers. Feel free to contact us with any insurance need at (888) 600-7333.
June 22, 2020
You’ve likely heard it said all personal auto policies are the same; the only difference is the price. Perhaps you’ve even made the assumption yourself at one point, but this just simply isn’t true!
Policy language and coverage varies from carrier to carrier, and while some may be similar, others – like the discounted, direct-marketed insurance policies – have coverage gaps or lack coverage altogether. As you find disparities in coverage, you’ll likely find disparities in price!
When considering these disparities, it’s important to consider the cost of a policy with its worth. We know what the cost of a policy may be, but what about worth?
Is a lower-cost policy worth finding out there is no coverage after a loss? Absolutely not! As an independent agent, we would like to share some differences to our policyholders and explain why the worth of a policy is more important than the cost.
Let’s take a look at how an Auto-Owners policy can increase the worth! While other popular policies have exclusions or limitations to reduce the price, Auto-Owners can provide coverage. For a complete description of coverages, the policy form must be consulted.
It’s clear no two policies are alike, whether it’s coverage, price or overall worth. A broader coverage form can provide for unexpected losses for which your policyholder might expect to have coverage.
An Auto-Owners personal auto policy offers that broad coverage expected by policyholders, providing worth at a reasonable price. You may select Auto Owners Insurance through Dave Reed Insurance, The Peace of Mind People®. Any additional questions, please call 888-600-7333.
Note: The analysis of coverage is in general terms and is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the printing of this material.
Thanks to Karen Saenz, ASI, ACS, AIC, AIM, AINS, AIS, AIT, senior underwriter, personal auto underwriting for sharing this article.
June 21, 2020
June 8, 2020
Floods are among the most frequent and costly natural disasters. Conditions that cause floods include heavy or steady rain for several hours or days that saturates the
ground. Flash floods occur suddenly due to rapidly rising water along a stream or low-lying area.
Many times flooding occurs when you least expect it. This is the kind of emergency where your bug-out-bag should be packed with a minimum of 72 hours of supplies and
ready to put in your car for evacuation. Make sure you pack some cleanup clothes, hat, sturdy shoes and your camera to document damage when you return.
Listen to your area radio and television stations and a NOAA Radio for possible evacuation warnings.
When a warning for your area is issued, go to higher ground and stay there. It’s a good idea to plan this route ahead of time. If you come upon a flooded road while you are traveling, turn around and go another way. Traveling at night, it is hard to recognize where the road is or isn’t. In a recent flood in Pensacola, we had a road wash away leaving a 25-foot drop!
Return home only after officials have declared the area safe. Before entering your home check for downed power lines, damaged gas lines, foundation cracks or other damage. As you enter, check ceilings for sagging or other structural damage that might lead to a collapse. If you smell or hear hissing gas, leave immediately and telephone the fire department. Don’t take children into hazardous areas.
The first thing to do is contact your insurance agent to file a claim. Make sure you have the name of your insurance company, your policy number and a telephone or email address where you can be reached at all times. An adjuster should get back to you within a few days.
Meanwhile, take photographs of any floodwater in your home and begin the process of saving personal property. Make a list of damaged or lost items. These can be added to your home inventory, which already contains the purchase date and value. Take photographs of any items that need to be discarded. Do not turn on electricity until an electrician has deemed your property safe. Mold is the enemy. Remove all wet items immediately. During cleanup, you should wear protective clothing, including rubber gloves and boots.
If you have a basement full or nearly full of water, pump out 2 or 3 feet of water each day. If you drain it too quickly, the pressure outside the walls will be greater than the pressure inside the walls, resulting in cracks or collapse.
Flood soaked dry-wall must be removed. Plaster and paneling can perhaps be saved if thoroughly dried. Air should be circulated in the wall cavities to dry studs and sills.
What about insulation? Styrofoam can be hosed off; fiberglass bats should be thrown out if muddy, but can be reused if thoroughly dried. Loose or blown-in cellulose or fiberglass must be replaced.
Mold will grow in only a couple of days if the temperature and humidity are 68% or higher. Bedding, rugs and clothing should be taken outside to dry as soon as possible.
Open your windows and use fans to ventilate the house with outdoor air or use an air conditioner or dehumidifier. Mold can be removed from hard surfaces but not from porous surfaces like paper, drywall and carpet padding. These items must be removed and discarded. Wear a two-strap (n-95 rated or better) protective mask to prevent breathing mold spores.
To remove mold, first vacuum or brush off items outdoors to prevent spreading spores inside. Vacuum with a HEPA filtered vacuum to remove loose mold and spores. Then scrub using a stiff brush with a non-ammonia detergent. Structural wood may need to be sanded to remove all the mold growth. Then disinfect with a bleach or fungicide solution diluted 1 cup per gallon of water. The surface must remain wet for 15 minutes to successfully disinfect. Then rinse with clean water and rapidly dry the surfaces. Provide adequate ventilation during the disinfecting and wear rubber gloves.
Discard any carpet or rugs if they were wet or damp for more than a couple of days. If sewage contaminated water covered your carpets, discard them for health reasons. To clean carpets, drape them outdoors and wash down with a hose. Use a disinfecting carpet cleaner on soiled spots. Dry carpets and floors thoroughly before putting them back in place.
If you have hardwood floors, remove a board every few feet to reduce buckling. Clean and dry the wood before trying to repair it. If you have wooden sub-flooring, the floor covering must be removed to allow air to dry the sub-flooring thoroughly. This may take months.
Wooden furniture worth saving should be dried indoors to prevent warping by the sun. It can be wiped down with turpentine to remove white spots that may develop on damp wood. Wipe dry and polish with wax or furniture polish. Throw away water soaked mattresses and pillows. Wash bedding in a bleach solution as recommended on the label. Treat clothing and other washable textiles with stain removal products before washing.
Flooding contaminates or damages everything it touches. For more details on cleaning and what to save or discard, see Flood Recovery and Cleanup.
Dave Reed Insurance cares about our customers and are sharing this information, should you need it. If we can be of assistance with any insurance matter, feel free to call our office (888) 600-7333.