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Home security

  • Do install deadbolt locks, window grates, bars, and smoke/fire/burglar alarms.
  • Do install exterior lights with motion detectors out of easy reach.
  • Do trim back trees and shrubs from around doors and windows.
  • Do establish a routine to assure regular locking and activation of alarm systems.
  • Do notify police if suspicious strangers are seen in your neighborhood.
  • Do arrange to have mail stopped or picked up while away for extended periods of time.
  • Do stop newspaper delivery when gone for any long period of time.
  • Do ask a friend or neighbor to dispose of circulars that are left while you are away.
  • Do ask dependable neighbors and police when you plan to be away for a long time.
  • Do not give personal information to unidentified telephone callers.
  • Do not announce personal plans in ads or public notices.
  • Do not leave house keys with vehicle keys in a commercial parking lot with an attendant.
  • Do not “hide” keys in “secret” locations outside your home.

Pool safety

  • Construct fencing around the pool area to prevent unauthorized access and use.
  • Never leave young children unsupervised – even for a few seconds.
  • Keep children away from pool filter devices.
  • Keep electrical devices a safe distance away from wet surfaces.
  • Regularly check the area for dangerous articles and potential hazards.
  • Stay out of the pool during rain or lightning storms.
  • Don’t swim alone or allow others to swim alone.
  • Assure that all pool users know how to swim or are accompanied by someone who does know how.
  • Don’t swim when tired or immediately after eating.

Outdoor grills

  • Wear a heavy apron and oven mitts when barbequing.
  • Use only specially designed fluids to start; never add more fuel if the fire is too low.
  • Keep grills on a level surface away from children, the house, garage, and landscaping.
  • Soak coals with water before disposing them in the trash.
  • Store fuel cylinders outside away from the house.
  • Check valves and hoses for leaks regularly and just prior to each use.
  • In case of burns, run cool water over the injury for 10-15 minutes and seek medical attention.

Lawn mowers

  • Check the lawn to remove any dangerous material prior to using your lawn mower.
  • Read the owner’s manual before using your mower for the first time.
  • Check the blade and wiring for safety hazards prior to use.
  • Wear clothing that will protect your body from harm.
  • Always start the motor outdoors.
  • Never leave a mower running and unattended.

Winter weather

  • Trim trees and remove dead branches.
  • Remove debris from gutters.
  • Check smoke and fire alarms for proper operation.
  • Check for adequate insulation in attics, basements and walls.
  • Repair and insulate pipes.
  • Annually service furnaces, boilers, and chimneys.
  • Maintain a minimum temperature inside your home of 65 degrees.
  • Consider hiring a licensed contractor to survey your home for structural damage.
  • Have someone check your home on a regular basis while you are away for an extended time.

Holiday decorations

  • Keep live trees indoors away from heat and flame.
  • Provide adequate water daily to indoor live trees.
  • Remove trees promptly if they show signs of drying out.
  • Use caution to prevent overloading electrical circuits with too many lights.
  • Turn off all decorative electrical lights when not at home and when retiring for the night.
  • Have an emergency escape plan known by all family members in the event of a fire.

Mold hazards

  • Install exhaust fans in kitchens and bathrooms.
  • Use air conditioners and dehumidifiers to maintain humidity level at 30% to 60%.
  • Don’t let water accumulate under house plants.
  • Don’t install carpets in damp areas such as bathrooms and basements.
  • Watch for indications of mold growth, such as musty smells or watermarks on walls & ceilings.
  • Remove mold promptly by cleaning thoroughly with bleach and water.

Remodeling

  • Contact your insurance agent to increase coverage to reflect rebuilding costs.
  • Keep receipts of additional purchases and add them to your home inventory.
  • Assure that contractors and sub-contractors have adequate insurance.
  • Ask to see a copy of the contractor’s workers compensation insurance coverage.

Dog bites

  • Insurers may charge more for certain breeds of dogs known to be vicious or known to have any risk where a previous dog bite history exists. Over a 20 year period, the following types are listed in declining order of fatalities:
 
  1. “Pit Bull”
  2. Rottweiler
  3. German Shepherd
  4. “Husky”
  5. Malamute
  6. Doberman Pinscher
  7. Chow Chow
  8. Great Dane
  9. Saint Bernard