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8 years ago · by · 0 comments

Tips for You, Your Home and Family

Ticks and Lyme Disease

Lyme disease is a bacterium that’s often carried by mice and other small rodents. The disease can be transmitted to humans if they’re bitten by a tick that previously fed off an infected animal.

Different types of ticks live in the United States and while some can transmit diseases, others are only a nuisance. In general, infected blacklegged ticks can transmit the bacterium that causes Lyme disease.

Symptoms of Lyme disease typically develop within two weeks of a tick bite and can include fevers, chills, swollen lymph nodes, neck stiffness, fatigue, headaches, and joint or muscle aches.

To avoid contracting Lyme disease, do the following:

  • Wear light-colored clothing, including long-sleeved shirts and pants when in wooded areas. Tuck pant legs into socks or boots and keep long hair tied back.
  • Wash your body and clothing after all outdoor activities.
  • Look periodically for ticks if you’ve been outdoors, especially if you’ve been in wooded areas or gardens.
  • Remove ticks within 24 hours to greatly reduce the risk of contracting Lyme disease.
  • Check your pet’s coat if it’s been in an area known for ticks.

Remember to consult your health care provider as soon as you experience Lyme disease symptoms. If possible, send any ticks that you’ve removed to a public health laboratory in your area. Click here to learn more.

Keeping Mold Out of the Home

A mold problem in the home can cause serious health effects, especially for young children, the elderly, those who suffer from allergies or asthma, and those with prior respiratory conditions. Mold can cause eye irritation, nasal stuffiness, shortness of breath, wheezing and infections in the lungs.

Though most molds grow outdoors, they can get inside a home through open windows and doors, air conditioning systems, pets, clothing and shoes. Try these prevention tips to keep mold out of your home:

  • Clean up any water damage or flooding thoroughly and immediately.
  • Use a dehumidifier and a wet-dry vacuum to remove water quickly.
  • Remove carpeting that can’t be dried out within 48 hours. If your carpet was contaminated by sewer water or a flood, it needs to be replaced.
  • Repair basement cracks so that moisture can’t seep in.
  • Use a dehumidifier or air conditioner to reduce indoor moisture, especially during humid months. Empty the drip pans in your air conditioner, refrigerator and dehumidifier on a regular basis to prevent water buildup.
  • Fix plumbing leaks immediately. Mold will begin to grow within 24 to 48 hours after a leak forms.

Protecting Your Vehicle from Hail

Hail can strike anywhere and at any time, causing major damage to your vehicle. When a hailstorm occurs, take the following precautions to keep you and your vehicle safe:

  • Don’t get out of your vehicle if you’re driving during a hailstorm. If you can pull over to the side of the road, do so safely.
  • Park your car on an angle so that the hail hits the front of your car. This protects your side and rear windows, which aren’t made of reinforced glass.
  • Find covered parking to protect your car, like a parking garage or awning. If you live in a hailstorm-prone area, it may be a good idea to purchase or build a covered parking solution for your home, like a metal canopy or garage.
  • Use blankets or a hail car cover. These items can be very effective in protecting vehicles from damage, especially if you’re far away from shelter.
  • Locate a body shop that you trust to make any necessary repairs. Discuss the extent of the damage with the body shop and your insurance broker.

Hotel Safety Tips

Hotels provide a home away from home whenever you travel. However, hotels aren’t always safe, and vacationers are at risk of things like break-ins, fires and natural disasters.

The following are some general hotel safety tips to keep in mind to protect yourself from a variety of risks:

  • Check reviews for security concerns. Guest reviews can provide information on the area’s crime level and steps the hotel takes to protect guests.
  • Use hotels that restrict access to guest floors.
  • Check your room lock to confirm it’s working properly. Make sure that the door has a deadbolt and keep it locked whenever you’re in the room.
  • Lock away valuable items you won’t be carrying with you in the room’s safe. This can include things like money, jewelry, laptops or other electronics.
  • Be wary of people that come to the door claiming to be hotel staff.

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8 years ago · by · 0 comments

Covered Establishments in All States Must Now Submit OSHA Electronic Reports

On April 30, 2018, the Occupational Safety and Health Administration (OSHA) announced it will require all establishments affected by the electronic reporting rule to submit their 2017 data to OSHA by July 1, 2018.

This announcement clarifies the requirement for establishments in states with an OSHA-approved plan. These establishments must submit electronic reports, regardless of whether the state has ratified or incorporated the electronic reporting rule into its OSHA state plan.
Establishments in all states, including those with an OSHA-approved state plan, should prepare to submit electronic reports by July 1, 2018. Affected establishments can accomplish this by:

  • Becoming familiar with the requirements in the electronic reporting rule; and
  • Transitioning their OSHA records to an electronic format approved by the Injury Tracking Application (ITA).

OSHA Electronic Reporting

OSHA’s electronic reporting rule was issued in 2016. The rule requires establishments to report data from their injury and illness records to OSHA electronically if they:

  • Are already required to create and maintain OSHA injury and illness records and have 250 or more employees;
  • Have between 20 and 249 employees and belong to a high-risk industry; or
  • Receive a specific request from OSHA to create, maintain and submit electronic records, even if they would otherwise be exempt from OSHA recordkeeping requirements.

The electronic reporting rule applies to establishments, not employers. An employer may have several worksites or establishments. In these situations, some establishments may be affected while others are not.

To determine whether an establishment is affected, employers must determine each establishment’s peak employment during the calendar year. During this determination, employers must count every individual that worked at that establishment, regardless of whether he or she worked full-time, part-time, or was a temporary or seasonal worker.

OSHA-approved State Plans

The final rule required OSHA-approved state plans to adopt the electronic rule or “substantially identical” requirements within six months of the final rule’s publication date.

All Employers

California

Maryland

Minnesota

South Carolina

Utah

Washington

Wyoming

Public Employers

Illinois

Maine

New Jersey

New York

This means that OSHA-approved state plans have the authority to adopt reporting requirements that go above and beyond what is required by the federal rule. For this reason, establishments located in OSHA-approved state plan jurisdictions should consult with their local OSHA offices to make sure they are satisfying all electronic reporting requirements.

The OSHA-approved state plans shown on this map have not yet adopted the requirement to submit injury and illness reports electronically.

As a result, establishments in these states were not required to submit their 2016 data through the reporting website in 2017. However, OSHA has now clarified that they must submit their 2017 data in 2018.

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8 years ago · by · 0 comments

Therapeutic Treatments Can Help You Recover

You’ve probably heard a lot about opioids lately, and for good reason—the CDC estimates that more than 115 people die from opioid overdoses every day.

One of the biggest reasons for widespread misuse of these drugs is that they’re both effective at short-term pain management and highly addictive.

Luckily, to combat what some now call the “opioid epidemic,” researchers from the American College of Physicians (ACP) have published guidelines that promote alternative noninvasive and therapy-based pain treatments.

Although these guidelines recommend the use of opioids and other medications as a last resort, therapeutic treatments may help strengthen your body and help you heal naturally. However, you should always consult your physician for the best way to treat your pain.

Here are some common pain treatments based on the ACP’s guidelines:

  • Use heat or ice packs to reduce pain and swelling. Regulating how much blood flows into affected areas can be a simple and effective way to reduce pain.
  • Avoid overexertion. Rest will allow any injured tissue and nerve roots to begin to heal. However, too much rest can cause your muscles to weaken.
  • Exercise when possible. Although exercising to relieve pain may sound strange, even low-intensity activity like stretching or walking can help strengthen your muscles and relieve pain. Consult with a health care or fitness professional to customize a safe and effective exercise routine for any severe or chronic pain.
  • Engage in relaxing activities such as yoga and meditation. Research has shown that the mental aspect of physical pain can cause it to be much more intense than it would be otherwise.
  • Explore your options. Talk with your doctor about alternative pain relievers and anti-inflammatory medications. You could also discuss when to use or how to wean off strong narcotics. Opioids should only be considered as a last resort.

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8 years ago · by · 0 comments

Stay Away from Fad Diets

ad diets have been around for decades. New ones surface regularly while some older weight-loss solutions fall in and out of popularity.

Popularized by the promise of quick and dramatic weight-loss results, fad diets need to be fully researched before trying. Generally, diets or diet products can be considered a fad if they fit any of the following criteria:

Claiming to help you lose weight very quickly, more than 1-2 pounds per week.

Promising you will lose weight and keep it off without giving up fatty foods or starting an exercise program.

Basing their claims only on “before and after” photos.

Offering testimonies from clients or “experts” in weight loss, science or nutrition who are usually being paid to promote the diet plan.

Drawing simple solutions from complex medical research.

Limiting food choices and not encouraging you to get balanced nutrition by eating a variety of foods.

Requiring you to spend a lot of money on things such as seminars, pills or prepackaged meals in order for the plan to work.

Instead of turning to a fad diet to achieve weight-loss results, try implementing lasting lifestyle changes. Contact a health care professional to get started

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8 years ago · by · 0 comments

Data From 87 Million Facebook Accounts Exposed

Facebook recently announced that political consulting firm Cambridge Analytica obtained information from up to 87 million accounts without their users’ consent. Experts believe that collected data could include locations, interests, photos, status updates and more.

Facebook applications and third-party services can normally request access to an account’s information in order to add functionality or advertise products. However, experts allege that Cambridge Analytica violated Facebook’s terms of service by using the data to direct political campaigns and influence voters.

These allegations have highlighted concerns about data security, social media privacy and Facebook’s data protection practices. In order to keep your personal information safe, it’s important for you to be aware of how it can be exposed and what steps you can take to ensure you control access to your data.

Timeline of Events

In 2014, University of Cambridge researcher Aleksandr Kogan created a Facebook personality quiz that gave him data on approximately 270,000 Facebook users. At the time, Facebook’s terms of service also allowed Kogan to access data on these users’ friends—a total of 87 million accounts.

Although Kogan told users that their information would only be used for research, he later worked with Cambridge Analytica to market the data to political groups. While many experts speculate that Cambridge Analytica’s clients used this data to direct political messages and influence voters, investigators have yet to confirm if or how the data was used.

Facebook learned that Cambridge Analytica possessed the data in 2015 and requested that all copies be deleted. However, in March 2018, a number of news sources reported that the consulting firm kept and continued to use at least a portion of the data for its business practices. As a result, Facebook’s data protection practices are now under investigation by regulators.

Protecting Your Data

Many social media users assume that their personal information is safe, but this scandal has shown the importance of re-evaluating online security. Hackers can use data posted on social media to engage in identity fraud, social engineering schemes and more. Here are some tips you can use to secure your data on social media platforms:

  • Check Facebook’s webpage about the exposed data to see if Cambridge Analytica obtained any of your personal information.
  • Go through all of the privacy settings on each of your social media accounts to see if the security features or terms of service have changed.
  • Always assume that any information you post online can be shared with the public.
  • Enable two-factor authentication on all devices and services that offer it.
  • Create strong passwords and update them regularly.

Call us at 831-661-5697 for more help staying safe online.

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8 years ago · by · 0 comments

Spring Maintenance Tips For Your Commercial Property

Inspect for Water Damage

Melting snow and ice can increase water flow around your property, so carefully inspect the entire building for water damage. Check the exterior foundation, interior walls and windows for moisture, leaks or condensation, and clear out and repair any damaged gutters and downspouts.

Check the Roof

Winter storms can damage your roof, but you may not notice the damage until the roof starts to leak. Perform a detailed inspection of the roof and note any repairs you need to make.

Touch Up the Exterior

Cold winter weather can cause paint to chip, and flying debris can dent siding. Walk around the building, note any damaged paint or siding, and fix the areas. Sometimes, a simple touch up is all that’s needed rather than refinishing the entire building.

Repair the Parking Area

If freezing temperatures created cracks or holes in the parking lot or sidewalks, fix the problem areas. You’ll also want to power wash the area to remove dirt, mud or other debris, repaint any faded lines and repair broken signs. With a clean parking area, you reduce liability and improve visual appeal.

Wash the Windows

Remove winter grime and buildup on the exterior and interior windows. Clean windows boost productivity and improve the appearance of your commercial building.

Boost Ventilation

Open windows and air out the stuffy building if possible. You may also inspect and clean the HVAC system and install fans or dehumidifiers in damp areas as needed.

Improve Curb Appeal

Fallen branches, debris and litter affect your property’s curb appeal and can create hazards for employees and visitors. Remove any debris, and trim trees, shrubs and bushes to reduce hiding places for burglars and future damage risks. Consider planting flowers and grass, too, as you improve your property’s curb appeal and safety.

Perform Pest Control

Warmer temperatures may attract bugs, insects and rodents to your property, so apply a pest spray around the building’s perimeter, and close any holes that may allow animals to enter the building. You may also want to treat any ponds, bird baths or other standing water with Mosquito Dunk or a similar product.

Assess Insurance

Your commercial property insurance protects your company, so schedule an assessment. Ensure you have adequate coverage for your needs as you look forward to the rest of the year.

This spring, you can perform maintenance on your commercial building to improve its appearance and functionality. These tips also reduce your liability and protect your employees and clients.

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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

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(831) 661-5697

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