Fire Extinguisher Safety

fire extinguisher safety
(Photo Credit: Jared Bartlett)

When they are used correctly, fire extinguishers can save both lives and property, but many adults do not know how to properly use one. It is important to know how fire extinguishers work, how to use them, how to identify which type to use, and how to maintain them before a fire takes place.

Before Using an Extinguisher

While it is necessary to act quickly in the event of a fire, education also goes a long way in fighting hostile fires. Knowing what to do in an emergency before it happens will help make firefighting quicker and safer:

  • Pull the alarm – If you see a fire, always activate the fire alarm to alert both the occupants of the building as well as the fire department (call 9-1-1 if your alarm system doesn’t do this automatically).
  • Plan an escape route – if you plan on fighting the fire, know how to leave the area quickly in case the fire gets out of control. Only fight the fire if you have a clear escape route.
  • Know how to use the extinguisher – take time to learn how to properly aim, sweep, and extinguish a fire; many offices and companies have annual employee safety trainings which include fire extinguisher exercises.
  • Assess the size of the fire – fire extinguishers are only meant to put out small, single-location fires; never attempt to put out a large conflagration with a handheld extinguisher.
  • Determine the fuel source – it is important to know what kind of fire is burning before you use an extinguisher – using the incorrect extinguisher can be extremely dangerous – by spreading the fire or causing flare ups. For example, using a water-based extinguisher can spread an oil fire or electrocute a user fighting an electrical fire, and Carbon Dioxide extinguishers can actually fuel certain types of fires.

Types of Extinguishers

A fire’s fuel source will determine what type of fire extinguisher needs to be used to extinguish it. In the United States, there are five classes of fires as defined by the National Fire Protection Association:

  • Class A – Common combustibles such as wood, paper, most plastics, rubber, and fabric. Symbols: Triangle with letter A and picture of burning wood/trash can.
  • Class B – Flammable liquid such as gasoline, oil, paint, and kerosene. Symbols: Square with letter B and picture of burning gasoline jerry can.
  • Class C – Electrical fires and electrical equipment. Symbols: Circle with letter C and picture of burning electrical plug and socket.
  • Class D – Combustible metals such as lithium batteries, sodium, magnesium, and potassium. Symbol: Five-Pointed Star with letter D and picture of burning machine gears.
  • Class K – Cooking oils and fats such as vegetable oils, margarine, butter, animal fats, and grease. Symbol: Hexagon with letter K and picture of pan/pot on fire.

Each class is marked on an extinguisher by both a letter (class letter), and a symbol. Most homes and offices contain multi-purpose “ABC” extinguishers which can be used for those three classes of fire. The contents of fire extinguishers vary depending on the class of fire being put out. Some materials can put out multiple classes of fire, while others are used for only a specific class. These include dry chemicals, foams, Carbon Dioxide, halon gases, compressed water, and pressurized metal based powders. It is important to know what is in your building’s extinguishers so they do not cause more damage than necessary (especially when used around electronic equipment). It is also important you never use the incorrect class of extinguisher as it may exacerbate the fire.

Using an Extinguisher

When using an extinguisher, remember the acronym “PASS”, which stands for, Pull, Aim, Squeeze, and Sweep. Stand between 6 to 8 feet away from the fire and:

  • Pull the safety pin to release the trigger.
  • Aim at the base of the fire (where the fuel source is).
  • Squeeze the trigger continuously until the spraying stops.
  • Sweep from side to side until the fire extinguisher is empty.

An average size fire extinguisher dispenses its contents within 8 to 10 seconds – if the fire does not disappear, leave the area immediately.

Proper Maintenance

Fire extinguishers need to be routinely checked for adequate pressure and cleanliness.

  • Make sure there is no visible rust or dents on the extinguisher and the handle/trigger are clean and free of dust and debris.
  • Fire extinguishers should always be kept in easy to reach, clearly visible (and marked with signage), unobstructed places, evenly distributed among floor plans and throughout multiple floors of a building. Keep in mind the typical hazards located around the building – keep Class K extinguishers near the kitchen, Class C extinguishers near the computer room/server room, and class A extinguishers near the dumpster.
  • Depending on the type of chemical/gas used, the fire extinguisher will need to undergo hydrostatic pressure testing by a professional on a varying schedule: between 5 years for wet contents, CO2, & foams, and up to 12 for halon gases, dry powders, and dry chemicals.
  • Extinguishers exposed to elements such as vibrations, extreme heat or cold, or ones stored on vehicles should be inspected/tested more frequently.
  • Regular maintenance such as visual inspections, cleanings, and pressure checks should be done every month.
  • In areas with many kids and teenagers, fire extinguishers should be kept in protected cabinets (where glass must be broken or an alarm sounds if opened) to deter vandalism.

While fire extinguishers can be the first line of defense against a fire, they have their limitations. Never use a fire extinguisher without training and only use it to combat small fires. Handheld extinguishers are ineffective against conflagrations, so the best course of action when confronted with a large fire is to leave the area immediately and wait for the fire department from a safe distance. Most importantly, always activate the fire alarm and if for any reason you cannot fight the fire, leave the area at once; you can replace property, but you can’t replace lives.

“Choosing and using fire extinguishers.” U.S. Fire Administration, FEMA, 29 Dec. 2016, www.usfa.fema.gov/prevention/outreach/extinguishers.html. Accessed 10 Mar. 2017.

Bicycle Safety for Motorists and Cyclists

bicycle safety
(Photo Credit: Google Maps)

Cycling is a great workout and can make for a healthy and cheap alternative to driving a car or using public transport to get around. Riding a bike is good for traffic, good for health, and good for the environment, but it does not come without its own set of risks. There are many things that both motorists and cyclists can do to make sure everyone shares the road safely and courteously.

Motorists

  • Watch for bikes when opening doors. Passengers and drivers blindly opening doors into bike lane can cut off a cyclist, causing a crash between the cyclist and the door, or force them to dangerously steer into motor vehicle traffic. In most states, opening doors into traffic establishes fault if doing so results in an accident.
  • Share the road. Give bikes space, especially on crowded streets. Only pass when there is enough room to do so safely and never tailgate a person on a bike.
  • Check for cyclists when turning or pulling over to the side of the road. Motorists may not always think to check the right side of the car when turning or pulling over to the right, but a bike may be approaching. Treat bike lanes like another lane of traffic.
  • Do not park in bike lanes. Aside from being a fineable offense, this forces cyclists into motor vehicle traffic.
  • Always use your headlights – even during the day. Using your headlights at all times helps other road users see your vehicle better, especially in inclement weather.
  • Get off the phone. This should go without saying and applies whether cyclists are present or not, and sharing the road with cyclists requires extra attention. Distracted driving is a major cause of accidents.

Cyclists

  • Always wear a helmet – while this may only be a legal requirement for those under 16, this should be rule number one for all riders. The leading part of the body to fly forward off of a bike in a crash is usually the head and bike helmets can reduce the risk of head injury by 60%.
  • Know the rules of the road. Cyclists must follow the same rules as motorists and can be cited for things such as running red lights, not yielding for pedestrians in crosswalks, and heading the wrong way down a street.
  • Always use your headlights and taillights at night and make sure they are the correct color (white for front, red for back), and clearly visible from a distance of at least 600 feet. Reflectors must be present on both the front and back sides of the pedals or on the ankles of the rider.
  • Wear highly visible clothing, especially at night.
  • Never ride on limited access highways such as interstates. These roads are marked with signage at onramps prohibiting bicycles.
  • Cyclists must yield to pedestrians, especially when riding on sidewalks (not all towns and neighborhoods allow bike riding on public sidewalks). When passing a pedestrian, cyclists should use an audible warning such as a bell or verbally calling out to the pedestrian.
  • Use hand signals to indicate the intention to stop, turn, or change lanes.

Vacation Travel Tips

vacation travel tips
(Photo Credit: Jared Bartlett)

Between planning itineraries, booking hotels & flights, packing, and making reservations, vacations can be quite stressful, even if they’re meant to reduce stress. On top of the prospect of flight delays, bad weather, and rowdy kids, you shouldn’t have to worry about your home and your property. Careful planning can help you and your family avoid a costly loss at home and abroad.

  • Clear out your wallet: carry only what is absolutely essential. Aside from the inconvenience of a lost wallet, a stolen wallet can mean big trouble if your cards and IDs get into the wrong hands. Bring only one credit card with fraud protection and leave your debit cards, and any unnecessary contents at home or in the hotel safe. Report your trip with your credit card company to avoid an accidental freeze on the account. Also, bring only enough cash to cover the incidentals for the day – not the entire trip, and leave the rest in the hotel safe.
  • Make copies of your passport/ID: produce color photocopies of any documents you plan on having with you on the trip. Store a copy in the hotel safe, and keep one at home in case you lose the original. You can also register for the Smart Traveler Enrollment Program (STEP) which allows you to enroll your trip with the nearest US Embassy or Consulate if you plan on traveling abroad. This free service will assist you if you in an emergency, such as losing your passport.
  • Avoid social media: don’t over share your trip experience until you get home. While it may be tempting to publish your hike up the Great Wall or your pint of stout in Dublin, social media posts inform could-be criminals that you’re not home. These posts include status updates, check-ins, Snap Chat stories, pictures, and anything that is posted with your current location.
  • Make sure your rental is insured: If you are planning on renting a car on your trip, check if you’re covered. Typically, your personal auto policy will extend both liability and physical damage coverage while using a rental car within the US, its territories and Canada. Double check with your agent or insurance company to make sure. If you are traveling to anywhere else or you don’t have a personal auto policy, you’ll need supplemental insurance (provided as an extra cost by the rental company). As a general rule when in doubt, get the insurance offered at the rental company; peace of mind goes a long way when traveling. In addition, make sure you familiarize yourself with the local rules of the road and abide by all speed limits. Depending on the country you’re visiting, you may also need to apply for an international license.
  • Secure your home: make sure your home systems remain working while you’re away. Arm your security system before you head out and set the lights on timers to make it appear as though someone is home. If it is cold outside, make sure the thermostat is set to at least 65 degrees and all pipes are adequately insulated. Lock all doors, windows, and gates, and keep valuables stored inside the garage or the house, but away from exterior windows (so as to not attract burglars). If you’re going away for an extended period of time, reach out to the post office and your newspaper to suspend delivery until you get back. Piles of newspapers indicate a homeowner’s absence while mail and packages are prone to theft, which can also increase the risk of identity theft.

Whether you’re going on a weekend road trip or an international excursion, a bit of preparation and careful planning will help you have a more enjoyable trip and avoid a lot of potential headache.

Preventing Slips, Trips, and Falls at Work

preventing slips, trips, and falls
(Photo Credit: Fotolia)

Slips, trips, and falls also known as STFs, are some of the leading causes of injury in the workplace. In the United States, nearly 50,000 people are injured and almost 600 more are killed in fall-related incidents at work. These injuries result in lost productivity, pain & suffering, lawsuits, and increase healthcare and insurance costs. To help reduce your risk of STFs on the job, follow these safety tips:

Inside the Workplace:

  • Keep hallways and corridors clear of obstacles and clutter
  • Never place any objects in front of emergency exits, especially furniture
  • Install handrails on both sides of all stairwells
  • Keep cords, wiring, and cables clear of walkways
  • Perform routine inspections to identify any dangerous conditions, repair any hazards immediately, and record the details of any incidents that take place
  • Place wet floor signs on wet surfaces (entryways after snowstorms, freshly mopped floors, spill areas, etc.)
  • Remove debris and objects such as loose papers, books, boxes, etc. from floors, walkways, and stairs
  • Use non-skid rubber mats to keep rugs from slipping
  • Do not place furniture within walking routes
  • Use child safety gates at the tops and bottoms of staircases to prevent children from falling down the stairs

Ladders:

  • Only use ladders on a solid, dry, and even surface
  • Always face the ladder when climbing up or down
  • Maintain three points of contact at all times (e.g.: Two feet, one hand/one foot, two hands)
  • Never lean or over reach over the sides of the ladder – reposition the ladder if necessary
  • Use tool belts – do not climb with tools in hand
  • Do not use ladders outside in windy or rainy conditions
  • Do not use chairs, tables, cabinets, etc. as ladders
  • Keep in mind the weight limit and use duty for each ladder

Outdoor Spaces:

  • Repair cracked or split walking surfaces immediately
  • Make sure parking lots, walkways, and doorways are adequately lit
  • Point downspouts away from walking surfaces
  • Keep walkways/driveways/parking lots clear of snow and ice
  • Clearly mark steps, gaps, ledges, and other hazards
  • Ensure all steps have handrails, and all ledges have railings

Taking these steps can help reduce or prevent slips, trips, and falls from occurring at your workplace and reduce the chances of injuries and costly lawsuits.

“Slips, Trips and Falls.” National Safety Council. National Safety Council, 2016. Web. 27 Feb. 2017. http://www.nsc.org/NSCDocuments_Advocacy/Fact%20Sheets/Slips-Trips-and-Falls.pdf.

Tornado Myths Busted

tornado myths
(Photo Credit: The N&D Group)

Tornadoes can form at anytime and almost anywhere if the conditions are right. While accurately predicting their formation and movement can sometimes prove impossible for meteorologists, the damage tornadoes cause is widely documented and studied. Still, due to unique firsthand experiences, word of mouth, and sensationalized news stories, there are many widely spread myths about tornadoes that, if believed to be true, can put people in the path of danger. This list includes some of the most common misconceptions surrounding tornadoes.

Using Highway Overpasses as Shelters

Perhaps the most notorious and dangerous tornado myth is believing that a highway overpass is a suitable storm shelter. This stems from a 1991 Kansas event in which a TV news crew sought shelter under a highway overpass during a tornado and escaped with only minor injuries. The footage captured was shown across the US and led viewers to believe that highway overpasses are a good place to hunker down during a tornado. However, several unique and specific factors led to the crew’s survival, including the unusual design of the bridge in question as well as the path of the storm, which changed directions at the last minute, avoiding the bridge. A typical highway bridge’s shape could act as a wind tunnel, actually intensifying wind speeds and making overpasses some of the worst places to seek shelter. Wind speeds also increase with elevation and if a bridge’s embankment is higher than the surrounding area, it compounds the effect. In addition, vehicles stopped on roadways under bridges may disrupt the flow of traffic and block emergency vehicles, creating a traffic jam and/or cause accidents, putting others in danger.

The National Weather Service recommends that if you’re traveling in your car into the path of an oncoming tornado, immediately pull over and seek the nearest sturdy shelter – preferably an interior basement or first floor room of a well built municipal structure like a school or town hall. If no suitable building is available, as a LAST RESORT, lie flat in a ditch or low lying area to avoid flying debris, or drive away from the tornado only if it is far enough away and the road is clear.

Tornadoes Themselves

There are several widely held, but inaccurate beliefs about the storms themselves. The first is that the size of the funnel cloud is an indication of its relative strength. In reality, size does not matter when it comes to the wind speeds observed in tornadoes. Some of the strongest F5 tornadoes have measured less than 100 yards wide.

Another incorrect assumption is that tornadoes always move northwest, which may leave those southwest of a storm in a false sense of security. The truth is that while most tornadoes move in a general northwest direction, many times they do not and more importantly, a tornado can change directions suddenly and without notice.

Finally, the funnel cloud does not have to reach the ground in order to be destructive. Many believe the funnel cloud marks where the intense winds are located when in actuality, it’s just condensation. The destructive winds can reach the ground even if the funnel cloud does not. Furthermore, not all tornadoes have visible funnel clouds, and some may be obscured by heavy rain.

 Where and When Tornadoes Strike

When most of us think of tornadoes, thoughts of storms over expansive corn fields and flat prairie lands come to mind. And while the majority of tornadoes in the US do indeed occur in the Great Plains known as “Tornado Alley” during the period of March through June, they can occur just about anywhere and at any time. Tornadoes can traverse mountains, lakes, rivers, cliffs, and valleys. In fact, tornadoes have been documented in every state of the US and during every month of the year, in both rural and heavily urban areas. Dallas, St. Louis, Nashville, and even Brooklyn for example, have been hit multiple times, though many think that cities, especially ones with tall buildings, cannot. Tornadoes can also form on water (phenomena known as waterspouts), and the presence of a body of water does not weaken or stop a tornado.

Outrunning a Tornado

There are times when people try to outrun a tornado in their car, but this can be very dangerous. It is true that an average tornado moves slower than most cars at highway speeds, and at a great distance, motorists can avoid a visible tornado by driving away from it at a 90 degree angle relative to its path. However, this doesn’t take into consideration that a tornado doesn’t have to deal with traffic, obstacles blocking the road, emergency vehicles, flying debris, following a specific route (the road), or other drivers. Panicked driving can lead to fatal car accidents, and put others in danger. A vehicle can be swept up and tossed several hundred feet by a small tornado, even if the funnel cloud appears far away. Cars can also be damaged by debris and become disabled, blocking roadways and putting the occupants and other motorists in danger.

Never leave the protection of a sturdy building to escape in a vehicle. An interior room, preferably in the basement (or lowest floor) is the best place to be in a tornado. Vehicles offer very limited protection during a tornado. Whether you are in a car or not, if you are outside, seek suitable shelter immediately.

Opening Windows

Because tornadoes cause changes in atmospheric pressure, it is believed that the difference between the inside and outside air pressures can cause a home to explode outward. This is false. In even the most violent tornadoes, the differences in pressure rarely exceed 10%, which most frame homes could withstand with closed windows. The “explosion” like damage can be attributed to disintegrating roofs and walls that have blown inwards into homes, causing the other three sides to fall outwards, creating the appearance of a house that has exploded. Not only does opening windows cause more damage to the interior of the home by allowing rain and wind inside, it also wastes valuable time that should be spent seeking shelter. Additionally, being near windows in a storm is dangerous as it potentially exposes occupants to flying glass.

In general, there is no guaranteed safety when in the path of a tornado. With winds up to 300 miles per hour, these forces of natures can derail trains, rip up highways, and destroy skyscrapers. But preparedness is the best way to increase your chances of survival. Knowing where to shelter is an essential part of tornado safety. If you live in a mobile home or are planning on traveling in a vehicle, make sure you have an evacuation plan and pick suitable shelters before an emergency takes place. A car or mobile home offers very little protection during a storm as they can be easily damaged, rolled, or thrown by weak tornadoes. Practicing a tornado drill with your family and coworkers will help educate them with what to do if a tornado does form. Finally, pay attention to weather forecasts and storm watches & warnings as these will provide you and your family more time to get to a safe location.

Edwards, Roger. “The Online Tornado FAQ.” The Online Tornado FAQ (by Roger Edwards, SPC). NOAA, 1 May 2017. Web. 05 May 2017. http://www.spc.ncep.noaa.gov/faq/tornado/.

“Tornadoes.” Tornadoes | Ready.gov. Department Of Homeland Security, n.d. Web. 10 May 2017. https://www.ready.gov/tornadoes.

“Tornado Myths.” Storm Aware. State of Missouri, n.d. Web. 05 May 2017. https://stormaware.mo.gov/tornado-myths/.

US Department of Commerce, NOAA, National Weather Service. “Highway Overpasses as Tornado Shelters: Fallout From the 3 May 1999 Oklahoma/Kansas Violent Tornado Outbreak.” National Weather Service. NOAA’s National Weather Service, 27 Sept. 2016. Web. 10 May 2017. https://www.weather.gov/oun/safety-overpass.

Ride Sharing and Your Auto Insurance

Ride Sharing - Uber
(Photo Credit: Uber Technologies, Inc.)

Ride sharing programs (Transportation Network Companies) such as Uber and Lyft have transformed how people get in and around cities. The idea is pretty simple. Using a smartphone app, riders can easily connect to a TNC driver to provide an alternative to traditional taxis and black cars that is convenient, competitively priced, and powered by private car owners. Chances are, you’ve probably either used or at least heard of these services.

It all sounds easy enough, but the concept is not without issues and controversy. One of the biggest issues is how traditional personal auto policies do, or more importantly, do not provide insurance protection when they are being used in a ride sharing program.

In Massachusetts and New Jersey, Personal Auto policies generally exclude coverage for accidents arising out of driving passengers for a fare, known as livery. TNCs do offer insurance plans for drivers when there is a fare in the car. When there is no passenger in the car, but the driver is waiting for a fare, there is a potential significant gap in coverage.

In addition, if an insurance company finds out you are driving your car for a TNC, they may cancel your Personal Auto coverage because of this expanded use. If you plan on driving for a ride sharing (TNC) service, you should talk to your independent agent and learn what you need to do in order to be properly insured and protected

You can read about the full insurance and non-insurance requirements for TNC vehicles and drivers on the Massachusetts Legislature’s website.

Why Your Garaging Address Matters

A beautifully manicured yard with a garden full of perennials and annuals.
(Photo Credit: Fotolia)

How much you pay for your car insurance depends on many things. These include what kind of vehicle you have, how many miles you drive, and who the operators of the vehicle are, among others. Where your car is primarily garaged is also an important factor in calculating premiums. Generally, this is your primary residence.

It is important to make sure the garaging address on your policy is correct. If you move or spend the majority of the year with your car away from your principal garaging address, you need to inform your agent so your policy remains up to date. Failure to do so may result in a denial of a claim and possibly a cancellation of the policy.

If you are unsure of what to do, you should contact your Agent to discuss your specific circumstances.

Preventing Water Damage From Plumbing

mold and water damage from basement leak
(Photo Credit: Fotolia)

Plumbing fixture failures and faulty installations are a leading cause of interior water damage in homes and businesses. Even in the warmer months, when frozen pipes are not a threat, costly losses can arise from what would appear to be simple plumbing problems. Minor leaks and clogs should be taken care of properly as they may be signs of more serious issues.

If a pipe, appliance, hose, or fixture contains running water, it needs to be properly maintained to prevent any water related losses. The list below contains the places where failures are most likely going to happen if not kept in working order.

Toilets

Clogs and overflowing toilets made up 33% of all toilet failures that led to water damage. The valves and flushing mechanism of every toilet in your building should be inspected every six months to ensure they are working and show no signs of wear. The shut off valve should be easy to turn and the supply line should be able to be turned off as well.

Drains & Pipes

Banging pipes, increased water bills, rust stains, and moisture on walls and floors are all signs of plumbing and drain problems. Keep drains and pipes clear of obstructions, and never pour grease down a drain. Have a backflow prevention system installed in your sewer connection if your home or business is located downhill or below street level. For an extra security measure, have a house leak detection system installed.

Washing Machines

Failure of the hose which supplies water to a washing machine is a leading cause of water damage. The hose should be replaced if there are cracks or blisters, and/or if the tubing appears worn. This should be done every five years or when the situation merits. If you are planning on vacating the building for a long period of time, turn off the water supply valves. When doing the laundry, do not overload machines and only use detergents designed for this type of use.

Water Heaters

Like any piece of equipment, age is an important factor in the odds of a mechanical failure. Even with proper maintenance, water heaters need to be replaced after they reach their life expectancy (typically around 10 years – check your manufacturer for model-specific information). In addition, water heaters should be inspected by a plumber every year for broken valves, loose joints, and rust.

You can learn more about how you can prevent plumbing systems from causing water damage to your building by accessing the IBHS’s website.

Plumbing Archives – IBHS.” IBHS. Insurance Institute for Business & Home Safety, 2016. Web. 13 Dec. 2016.

Icy Sidewalks And Injury Prevention

SONY DSC
(Photo Credit: Fotolia)

Every winter, many people are injured when they slip and fall on icy sidewalks, driveways, and parking lots. These injuries can range from minor bumps and bruises to broken bones and head injuries. Whether you’re a property owner/manager or just going for a walk outside, there are some things you can do to help prevent injury to yourself or others when the pavement gets slippery.

For Property Owners/Managers

  • If you don’t have access to a snowblower or a plow, shoveling walking surfaces early and often during heavy storms will make the job easier and less stressful on your body. While shoveling, drink plenty of water and take breaks.
  • Make sure entrances and vestibules are kept dry or wet floor signs are present when water and slush are tracked into a building.
  • Check your local municipal government’s website to see if there are laws or ordinances regarding snow removal deadlines to avoid fines or citations.
  • Be mindful of the type of salt/de-icer you use on your driveway/walkway and apply only the recommended amounts as indicated by the manufacturer. Certain kinds are harmful to plants, animals, water supplies, and may even damage the surface itself.
  • Grit, such as sand, kitty litter, and gravel can help provide extra traction on stairs and sidewalks, especially when combined with salt or de-icer.
  • Lock all gates, doors, and fences leading to restricted or unused outdoor areas (such as bar or restaurant patios) to prevent trespassers and unauthorized visitors from slipping on untreated surfaces.
  • Risk Transfer – if you’re using a contractor to clear snow and ice from walkways, driveways and parking lots, make sure you have a signed contract with contractor assuming responsibility for this exposure and you are named as an Additional Insured on the contractor’s GL policy covering this operation.

For Pedestrians

  • Move slowly and try to keep your steps flat to the surface to avoid slipping on icy or wet areas.
  • Wear shoes or boots with plenty of traction. If the soles of your footwear are smooth or worn, they are more prone to losing grip on slippery surfaces.
  • Black ice may form when the temperature drops suddenly after a storm. Be especially careful walking outside after the weather has been cold and wet.
  • Watch out for traffic. Icy conditions for pedestrians mean icy roads for motorists who may lose control of their vehicles if they’re not careful.

Icy and untreated sidewalks are dangerous and can leave your home or business vulnerable to a injury claim or lawsuit. Following these tips can help mitigate your risk of being liable if someone slips and falls.

Maintaining Vacant Property

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It is easy to understand how an unoccupied office, building, or apartment could seem harmless from the perspective of the insured. Many business owners operate remotely and maintain vacant property in other locations. Vacant properties however, can present a surprising number of challenges if not properly monitored.

Property is considered vacant if less than 31% is occupied. Because of the lack of owner or tenant presence, vacant properties are more likely to experience damage and are prone to criminal activity.

Property that has been vacant for 60 consecutive days before the loss may not be covered by an insurance claim if the following events occur:

  • Vandalism
  • Sprinkler leakage (resulting from unprotected pipes)
  • Glass breakage
  • Water damage
  • Theft or attempted theft

In addition, other covered causes of loss are reduced by 15% for vacant but insured property.

Consider taking steps to ensure that your vacant commercial property is secured and protected from loss that may occur in an owner’s absence. There are ways that both tenants and property owners can reduce the risk associated with unoccupied building space for extended periods of time. Properly setting the thermostat, or using a remote climate controlled system, and turning off the water supply when not in use prevents leaks, cracks, and water damage. Ensuring that ice dams are prevented and gutters cleaned out also helps reduce possible damage. Installing an alarm system and providing lighting around the perimeter discourages burglary, theft, and glass breakage.