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Maryland Auto Insurance, Maryland Car Insurance Agent: Joseph W. McCartin Insurance, serving Maryland, DC, Virginia.

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May 27, 2011

Trusted Choice® independent insurance agents provide disaster preparedness and safety tips as hurricane season begins.

ALEXANDRIA, Va., May 25, 2011 – As the United States experiences and recovers from tumultuous weather, with parts of the South and Midwest reeling from the destruction of fierce recent tornados and flooding, forecasters predict shifting weather patterns and many named storms as hurricane season officially begins next week on June 1.  

Yet, according to a 2010 survey by Trusted Choice® and the Independent Insurance Agents & Brokers (the Big “I” or IIABA), many Americans are unprepared for a disaster.  More than half of respondents (51%) admitted they are only somewhat prepared, and more than a fifth of households (22.7%) reported that they were not prepared at all.  Almost 36% said they don’t have or don’t know if they even have adequate insurance coverage to help them through a disaster.

Trusted Choice® independent insurance agents can address these issues and more as extreme weather bears down on much of the country and can also offer disaster-specific readiness and recovery tips for consumers. Trusted Choice® experts can help:

  • Sort through coverage confusion when severe weather damages or destroys residential or business property
  • Advise how business interruption coverage is impacted by hurricanes and other disasters
  • Explain hurricane safety and flood readiness tips, including home and business inventory prep and utilities check-listing
  • Supply information on the National Flood Insurance Program (NFIP)
  • Detail safe evacuation procedures
  • Discuss how to recover from storm and flood losses, whether or not the property is insured
  • Provide suggestions on emergency repairs and rebuilding
  • Offer tips for “drying out” safely and replacing belongings

For more specific disaster readiness and recovery tips, click on the corresponding headline.

March 22, 2011

The catchy phrase “spring ahead” signals change for Americans. It’s a reminder to move clocks ahead one hour for daylight savings time. And it’s an optimistic forecast that warmer and sunnier weeks are ahead. With these seasonal changes, millions take on “spring cleaning” of homes, garages, and yards.

When you’re longing to get outside in the spring months, consider several simple steps to enhance safety for you and your family. After all, the numbers show where the danger is: Home accidents result in 10 million emergency room visits each year in the U.S., according to Home Safety Council estimates. Many injuries occur in garages and near doorways to a home.

Here are some suggestions for an effective spring safety sweep:

Check fluids. Look under sinks, in bathrooms, closets, garage and basement for liquids that include chemicals. Look for potentially hazardous liquids including: cleaning solvents and disinfectants; oil-based paints, primers and thinners; gasoline, kerosene, motor oil, anti-freeze, windshield washer, and other car products; insecticides, pesticides and fertilizers; and charcoal lighter fluid.

Safely discard any liquids that are unneeded or expired, based on the manufacturer’s instructions. Proper disposal is usually best accomplished with a community-based program. Typically, pouring hazardous materials down a sink, on the ground, or in a storm sewer—or placing them in the garbage—is not a safe option.

Cap, label and raise. Safely cap containers containing chemicals of any kind. If these materials need to be kept, make sure they are labeled correctly. Raise up (out of the reach of children and pets) any containers with hazardous materials.

Ventilate.  Make sure petroleum-based products and other products with noxious fumes are not stored in a confined space such as a basement or closet. Nor should they be near a heat source. Springtime also is a good time to have chimneys professionally cleaned. 

Check alarms. Housing codes typically require smoke and carbon-monoxide alarms in a residence. Consider adding these safety devices in garages and basements. Check the batteries in all smoke and CO alarms.

Clean up clutter. Many trip-and-fall or fall-from-above accidents happen because houses are cluttered near doors. Garages, basements, and attics are places where many homeowners put things out of the way—only to find them “by accident” come springtime. Clean up for safety’s sake.

Separate for safety. In the garage and basement, make an area for bikes, balls, and toys—away from potentially dangerous areas and items such as fuels, paints and power tools.

Prepare for an emergency. Make sure all entrances and exits to your home, including through the garage or basement, are clear. Place a first-aid kit and flashlight in the garage and basement. Mount a fire extinguisher in the garage, and train adults how to use it based on manufacturer’s directions.

Check appliances. Check appliance hoses for dishwashers, refrigerators, washers, and dryers. Danger signs: crimping, cracking or other damage on power wires, supply/discharge hoses, and vents. If you have a sump pump, test it—before spring downpours and melting snows do.

Talk to your Trusted Choice® insurance professional for additional tips on how to protect your family and home.

http://www.trustedchoice.com/Content/Articles/Spring-Safety-Checklist.aspx

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