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11 years ago · by · 0 comments

Backyard safety tips

backyardMore and more, people are vacationing in their own backyards. If you have turned yours into a “staycation” hot spot, here are some safety tips to consider to help keep your oasis fun and free of danger.

The Pool

The pool can be a refreshing way to get some relief from the hot sun. But it can also be dangerous. Get your pool swim-ready by understanding some of the most common ways accidents occur, and then learning more about proper swimming pool safety and maintenance to help prevent them:

  • Unsupervised access or swimming, either by lack of close supervision or by failing to properly secure the pool to prevent entry. As a pool owner, you are responsible for making sure that access is restricted and people cannot enter pool areas unattended.
  • Injury by diving or jumping improperly, or from water around the pool or deck area that may cause someone to slip and fall.
  • Defective or broken spa or swimming pool components. Drains are often a dangerous pool part that can cause circulation entrapment if not properly covered. Faulty pool equipment and old pool lighting can also cause electrical shock.

Prevent swimming pool accidents before they occur. Learn more about swimming pool safety.

The Grill

During warmer months, you might enjoy having a backyard barbecue. But according to the latest statistics from the National Fire Protection Association, gas and charcoal grills have been involved in an average of 8,800 home and outside fires per year. Some of the main causes of grilling fires are:

  • Placing the grill too close to combustibles, such as siding or an overhang.
  • Failure to keep the grill clean. Grease or fat buildup can catch and spread fire quickly.
  • A leak or break in the grill’s gas hose.
  • Leaving equipment unattended.
  • Misuse of material or product, including using incorrect starter fluids.

Cook safely outdoors this summer by reading our grilling safety tips.

Trampolines

Trampolines can be fun for kids, but according to the U.S. Consumer Product Safety Commission, they are the cause of nearly 100,000 injuries each year.  Avoid being a statistic:

  • Limit the number of jumpers to one at a time.
  • Supervision is needed for children at all times.
  • Remove trampoline ladders after use to prevent unsupervised access by young children.
  • Anchor the trampoline and enclosure to the ground by using a trampoline anchor kit.

Playsets

Playsets can be enjoyed by children of all ages, but damaged or weather-worn playsets can cause accidents. Stay safe by:

  • Supervising children.
  • Regularly checking for sturdiness, rusty bolts and wood rot, and making necessary repairs.
  • Ensuring playsets do not have openings between pieces that could trap a child’s head or neck.
  • Placing playsets securely on level ground and on wood chips or other soft materials to cushion falls and help prevent injuries.

Fire Pits

Warm nights are the perfect time to roast marshmallows. But out-of-control fires can cause injury. Be smart:

  • Place the fire pit in a safe spot away from your home, backyard deck or low-hanging tree branches.
  • Always require adult supervision around the fire pit while it is in use and until it has cooled off.
  • Never leave the fire unattended.
  • Use sand to fully extinguish the fire.
  • Let the coals cool completely before disposing of them in a metal container.

Lawn mowers

During the spring and summer months, lawn mowers can easily cause injury. Follow these tips for safety:

  • Read the mower’s manual, heed safety and operating instructions and learn the controls.
  • Do not allow children to ride as passengers on a lawn mower, and be sure to keep children out of the yard while mowing.
  • Clean up toys and other objects, such as rocks, from the yard to help prevent injuries from flying objects.
  • Never leave a running mower unattended.
  • Never operate the mower in an enclosed place where carbon monoxide can accumulate.
  • Never unclog or work on a lawn mower while the engine is on or when the spark plug is connected.
  • Wear non-slip shoes (no open toes or heels), long pants and hearing and eye protection.

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11 years ago · by · 0 comments

Swimming pool safety and maintenance tips

kid-swimmingProtect your Friends and Family as you Beat the Heat.

Warmer weather means more outdoor activities for the whole family, including cooling off in the pool. We want to help you make sure that you, your family and guests are safe. Here are a few tips that can help you stay safe while you have fun:

Always supervise swimmers and have life-saving equipment nearby:

  • Maintain secure fencing and a locked entrance around the pool and deck area to prevent access when adequate supervision is not available. Install self-closing and self-latching gates.
  • Make sure no one swims alone. Never leave a child unattended in the water or pool area, and make sure less experienced swimmers are always accompanied by a swimmer who has water life-saving skills.
  • Equip your door, gate or pool with an audible alarm to alert you if someone enters the pool area or falls into the pool while it is unattended.
  • Diving should be prohibited unless a specific area of the pool is designated for safe diving. Water depth and diving-restricted areas should be clearly marked.
  • Make sure there is adequate life-saving equipment in the pool area, including life preservers and a rope with life-saving rings, a reaching pole or rescue hook.

Regularly maintain your pool during the season to keep swimmers and sun-bathers safe:

  • Keep chemicals safely stored away from the pool area. Follow all storage and usage instructions recommended by the pool chemical manufacturer.
  • Be sure electrical devices, including outdoor entertainment systems, are away from pools or wet surfaces. When using electrical devices outdoors be sure to plug them into a GFCI (ground-fault circuit interrupter). Keep the pool area clear of glass bottles, toys or other potential accident hazards.
  • Inspect the liner. Rips and tears can appear undetected at the top of the lining.  Check for signs of wear and tear in areas where pipes or other items may have penetrated the liner (e.g., skimmers, hoses, etc.).
  • For above ground pools, check metal supports for rust or deterioration. These may indicate areas where the pool could rupture or a person could be injured.
  • Check the deck for safety hazards (e.g., protruding nails, loose boards, etc.).
  • Ensure your pool has compliant anti-entrapment drain covers. Inspect them regularly to confirm they are not broken or missing. Visit the Virginia Graeme Baker Pool and Spa Safety Act (P&SS Act) for additional information.  This act applies for all outdoor and indoor structures intended for swimming or recreational bathing, including in-ground and above-ground pools, hot tubs, spas, whirlpools and non-portable wading pools.

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11 years ago · by · 0 comments

When wildfire spreads, preparation is key

Get tips on how to prepare for wildfire.

Wildfire preparation

Wildfires can pose particular dangers because they often begin unnoticed and can spread quickly, threatening both lives and property in their paths.

If you live in an area prone to wildfires, you can help keep yourself, your family and your property safe by taking steps to reduce your risks.

Well before a wildfire threatens

  • Keep your home well maintained by regularly cleaning your gutters and trimming tree limbs that may be too close to your home. Be sure your smoke alarms are working, fire extinguishers are operational and a home escape ladder is accessible if you need to evacuate quickly from an upper floor.
  • Landscape your home with wildfire safety in mind, using fire-resistant shrubs and trees.
  • Maintain a defensible space zone between structures and natural growth that is free of brush, trees and grasses to help keep a wildfire from getting too close to your property. If you live on a hill, extend that zone on the downhill side, since fire can race uphill quickly.
  • Prepare a survival kit, map out an evacuation plan and create a home inventory of all your belongings. Visit our preparedness timeline to learn more about disaster planning.
  • If you are remodeling your home, think about including fire-resistant materials such as non-combustible roofing and siding and fire-rated glass or fire shutters for windows.

When a wildfire approaches

  • Stay tuned to local news about wildfires in the area, and follow evacuation instructions given by local officials.
  • Review emergency plans with your family. Be sure to designate a meeting place and a check-in telephone number if you are separated during evacuation. Also make certain that everyone has emergency numbers stored in their phones.
  • If you have time, close windows, doors and blinds and shut off utilities. Open the fireplace damper and close fireplace screens.
  • Have your car ready to leave at a moment’s notice and keep the keys handy. Roll up the windows to keep smoke out.

What to do during a wildfire

  • If advised to evacuate, do so immediately. Wear protective clothing, such as a long- sleeved cotton or wool shirt and pants, and take a wet cotton towel or handkerchief to protect your face.
  • Take your survival kit and choose a route away from fire and smoke. Follow your evacuation plan and be sure everyone knows where to go and what to do.

How to respond after a wildfire

  • Check with fire officials before attempting to re-enter your home. Use caution when entering since fires can re-ignite quickly, even after dying down.
  • Discard any food or medication that came in contact with smoke or fire.

At Travelers, we understand that a wildfire can be a frightening and dangerous event. We hope our expertise and insight will help you protect your family and property no matter what comes your way. For more wildfire safety tips, visit the Insurance Institute for Business & Home Safety® website.

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11 years ago · by · 0 comments

Ways to help prevent home theft

Scurich Insurance Services, Watsonville, CA, Homeowners InsuranceBurglars will not find your home an “easy mark” if they are forced to work in the light, if they have to take a lot of time breaking in, or if they cannot break in without making a lot of noise.

Research shows that if it takes more than four or five minutes to break into a home, the burglar will go elsewhere.

Most insurance companies provide 2 percent to 15 percent discounts for devices that make a home safer—dead-bolt locks, window grates, bars and smoke/fire/burglar alarms.

However, when improving the security of your home, do not exchange security for personal safety. Do not make your home such a fortress that you are unable to escape in case of a fire or other emergency.

Check your Home for Weaknesses and Correct Them

  • Take the time to “case” your house or apartment, just as a burglar would. Where is the easiest entry? How can you make it more burglar-resistant?
  • Trim trees and shrubs near doors and windows, and think carefully before installing a high, wooden fence around your back yard. High fences and shrubbery can add to your privacy, but can also be an asset to a burglar. Consider trading a little extra privacy for a bit of added security.
  • Force any would-be burglar to confront a real enemy—light. Exterior lights and motion detectors, mounted out of easy reach, can reduce the darkness a burglar finds comforting.
  • Simple security devices—nails, screws, padlocks, door and window locks, grates, bars and bolts—can increase the amount of time it takes to break into your home.
  • Invest in a burglar alarm. The most effective ones also ring at an outside service.

Are any of your valuables—paintings, a silver collection or a computer—easy to see from outside the house? Rearranging your furnishings might be advisable if it makes your home less inviting to criminals.

Simple Security Steps

Doors

Make sure you have strong doors. Outside doors should be metal or solid hardwood, and at least 1 3/4 inches thick. Frames must be made of equally strong material, and each door must fit its frame securely. Even the most efficient lock, if it is placed in a weak door, will not keep out a determined burglar.

A peephole or a wide-angle viewer in the door is safer for identifying visitors than a door chain.

Sliding glass doors present a special problem because they are easy to open, but if you have these doors, you can find special locks for them. A broomstick in the door channel can also help, but cannot be depended on.

Locks

Deadbolt locks are best. They usually are locked with a key from the outside and a thumb turn on the inside. The cylinder (where the key is inserted) should be pick-resistant. Ask your hardware dealer for a reputable brand or buy your locks from a locksmith.

Windows

Key locks are available for all types of windows. Double-hung windows can be secured simply by “pinning” the upper and lower frames together with a nail, which can be removed from the inside.

For windows at street level or on fire escapes, consider installing metal accordion gates.

Home Security Habits

  • Establish a routine to make certain that doors and windows are locked and alarm systems are turned on.
  • Avoid giving information to unidentified telephone callers and announcing your personal plans in want ads or public notices (such as giving your address when advertising items for sale).
  • Notify the police if you see suspicious strangers in your area.
  • Do not carry house keys on a key ring bearing your home address or leave house keys with your car in a commercial parking lot or with an attendant.
  • Do not hide your keys in “secret” places outside your home—burglars usually know where to look.


Vacation Tips

  • Leave blinds open in their usual position.
  • Have mail and packages picked up, forwarded or held by the post office.
  • Lower the sound of your telephone ringer and answering machine so they cannot be heard outside.
  • Arrange to have your lawn mowed in summer and your walk and driveway shoveled in winter.
  • Stop newspaper deliveries.
  • Ask a friend to pick-up “throw-away” newspapers and circulars.
  • Use automatic timers to turn lights on and off in various parts of the house at appropriate times. Consider connecting a radio to a timer.
  • Tell police and dependable neighbors when you plan to be away and join with your neighbors to keep a close watch on what’s happening in your area. Working closely with them is a good way to prevent crime.

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11 years ago · by · 0 comments

Ways to help you stay safe in a work zone

Be careful driving through work zones

Roadwork can be frustrating, but it is a necessary fact of life. 

When you have to be somewhere and traffic builds because of roadwork, it can be easy to become impatient – which can be dangerous in a work zone.  Did you know work zones are a major cause of auto accidents? During 2012, these accidents resulted in 609 fatalities and about 32,000 injuries.¹

Here are some tips that can help you and others stay safe when there is roadwork ahead:

  • Be prepared for the unexpected. Things can change quickly in work zones. Slowed or stopped traffic, a traffic lane closure, or equipment and workers on the roadway are all possible.
  • Slow down. More than one-third of fatal accidents in work zones are caused by speeding.² Obey the posted speed limit, even if you do not see any work currently in progress. 
  • Keep a safe following distance. Rear-end collisions account for 30 percent of work zone accidents.³ Keep a safe distance between you and other cars and construction workers and equipment to help avoid accidents.
  • Obey road crew flaggers and road signs. Flaggers and warning signs are there to help all drivers move safely through the work zone.
  • Stay alert and focused. Your full attention should be on the road. Multitasking while driving is never recommended, especially through a work zone. 
  • Keep up with traffic. Do not slow down to watch the roadwork.
  • Plan ahead. Before hitting the road, check a traffic report for delays. Be sure to plan enough time to help you reach your destination on time.
  • Be patient. While roadwork can be an inconvenience, remember that the crews are working to improve roads and make everyone’s drive safer.

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11 years ago · by · 0 comments

Tree maintenance can minimize property damage

The trees in your yard can enhance your property, provide shade and offer abundant environmental benefits. However, trees can also pose a safety hazard to your family and your home if they are not properly inspected and maintained.

Trees can present a particularly significant danger during a storm. Wind, lightning, snow and ice can all transform a tranquil row of trees into an imminent threat to your property. Proper tree maintenance involves more than pruning and trimming overgrown branches. These are some of the key steps you can take to protect your trees and prevent them from becoming a safety hazard.

The trees in your yard can enhance your property, provide shade and offer abundant environmental benefits. However, trees can also pose a safety hazard to your family and your home if they are not properly inspected and maintained.

Trees can present a particularly significant danger during a storm. Wind, lightning, snow and ice can all transform a tranquil row of trees into an imminent threat to your property. Proper tree maintenance involves more than pruning and trimming overgrown branches. These are some of the key steps you can take to protect your trees and prevent them from becoming a safety hazard.

Steps to Take Before a Storm

  • Remove any dead trees on your property.
  • Enhance the health of trees through timely watering, proper fertilization and protection from soil compaction. Healthy trees will be able to better adapt to changes in the environment, remain firm in the wind and react more effectively to damage.
  • Regularly prune dead or broken limbs to help trees maintain their structural integrity. In addition, thin excess branches every three to five years. For more information, visit arborday.org.
  • Remove or treat pest problems as soon as you spot them to minimize potential damage to trees. Be careful not to over-treat tree hollows, and do not remove decayed wood from hollows unless it falls away in your hands. Cleaning hollows can cause additional internal damage to trees. If possible, cover the opening to hollows.

Six Signs to Monitor

When performing maintenance on the trees in your yard, please make safety a priority. If you are unable to safely prune or remove trees and limbs, contact a professional tree-care service or arborist to help you do so. It may be a good idea to consult with a professional if the trees in your yard already display any of the following characteristics:

  • Cracks in the trunk or major limbs
  • Signs of hollowing and decay
  • Mushrooms growing from the bark
  • Significant leaning to one side
  • Limbs in contact with power lines
  • Branches hanging over your house
    • Although the branches may not be touching your house under normal conditions, high winds can cause trees and branches to bend or break.

Sources:
Travelers, Clatterbuck, Wayne. “Storm-Damaged Residential Trees: Assessment, Care and Prevention.” Extension.Tennessee.edu. The University of Tennessee; Coder, Kim. “Storm Damaged Trees: Prevention & Treatments.” Warnell.Forestry.UGA.edu. The University of Georgia.

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Company information

Scurich Insurance Services
Phone: (831) 661-5697
Fax: (831) 661-5741

Physical:
783 Rio Del Mar Blvd., Suite7,
Aptos, Ca 95003-4700

Mailing:
PO Box 1170
Watsonville, CA 95077-1170

Contact details

E-mail address:
[email protected]

(831) 661-5697

Available 8:30am - 5:00pm