by Flagship Staff | Jan 22, 2019 | Blog
During the winter months, Mother Nature can stir up a variety of weather conditions. Howling winds, drifting snow, and freezing rain make travel, exercise, and day-to-day living difficult.
Unfortunately, more than one million people are injured each year as a result of winter weather. Here are some common winter injuries and tips to prevent them happening to you or your family.
1. Slip and falls. Concrete or asphalt surfaces can change with each step you take. A casual walk to your car or a walk with your dog can suddenly turn into your body flailing out of control. If you’re lucky enough to catch yourself, you will probably keep walking and maybe look to see if anyone saw you. If you fall, common injuries can include:
Broken bones;
Injured back;
Sprains; and
Head injuries.
If you fall and experience extreme pain or can’t get up, call 911 immediately. If you experience other injuries, visit your local emergency department or call your doctor. Loss of consciousness, severe headache, nausea, vomiting, and confusion can be signs of a severe head injury.
To prevent yourself or others from falling:
Shovel and salt your sidewalk frequently;
Use hand rails if they’re available;
Avoid carrying items;
Keep your phone in your pocket;
Wear appropriate winter shoes; and
Watch for slippery floors when you enter your home or a building.
2. Frostbite. If you ask my neighbors, they’ll admit to seeing me shovel my sidewalk wearing only shorts, a jacket, and maybe flip flops. While they probably think I’m crazy, my thought is that I’m only going to be outside for a few minutes. Or, if you have high school kids, you know it’s not cool to wear a coat. In either foolish situation, frostbite can occur quickly.
Depending on the temperature, frostbite can occur within 10 minutes of exposure. Frostbite affects areas that are away from your core, including your feet, toes, hands, fingers, nose, and ears.
Like burns, frostbite has several degrees of injury. They are:
Frostnip is a precursor to frostbite. Your skin may be very cold or numb and turn red.
Superficial frostbite may cause your skin to become pale or white and can include the formation of ice crystals on your skin.
Deep frostbite is irreversible and may include numbness, pain, and blisters. The dead areas of skin usually become hard and black.
Here are some ways to protect you and your family from frostbite:
Wear appropriate clothing and cover up your extremities.
Wear moisture wicking socks if enjoying outdoor activities.
Drink plenty of water.
Avoid alcohol consumption.
3. Back injuries and heart attacks. Shoveling snow is very strenuous and can lead to significant injuries and even death. If you experience shortness of breath or chest pain, call 911 immediately.
Here are some tips for more effective shoveling:
Warm up your body by doing some stretches or brisk walking.
Push the snow as much as you can and avoid lifting.
Keep a slight bend in your knees to prevent back injury.
Depending on the size of your property, consider hiring a snow removal service.
Ask your neighbors for help.
4. Carbon Monoxide Poisoning (CO). Carbon monoxide is an odorless, colorless gas that can lead to death. Carbon monoxide is produced by burning fuel in your car, grill, fireplace, or furnace.
Here are some tips to prevent CO poisoning:
When warming your car during the winter months, it’s safest to move your car into your driveway. If you don’t, the gas can enter your home.
Have your gas, oil, or coal burning appliances inspected yearly by a qualified technician.
During a power outage, don’t use a gas generator or portable heating device in your home.
Install CO detectors in your home and change the backup battery in spring and fall.
5. Sports related injuries. These injuries can happen very quickly. A fun family day at your local ski hill can end sadly with injuries.
Here are some tips to ensure your day ends well:
Know your limits.
Wear appropriate equipment such as googles or helmets.
Stay hydrated and take frequent breaks.
Pay attention to your surroundings.
by Flagship Staff | Jan 18, 2019 | Blog
From smart food dispensers and surveillance systems to ingenious toys and crafty crates, tech-savvy pet products are a booming market. Dog-walking robots may not be a reality yet, but we have recommendations for keeping your pets fed, safe, and busy while you’re away. With smart home technology devices, you can take some of the stress out of pet ownership and help your pet live a happier, healthier life.
Food: Make sure mealtimes are on time.
With hectic schedules, it can be easy to forget to feed your pet on time, especially if you’re running late for work, stuck in traffic, or taking the kids to practice. A connected pet feeder makes it easy to feed your pet on time every day. Automated dispensers like the PetSafe Automatic Pet Feeder let you schedule mealtimes and deliver specific portions. You can also feed your pet through the app anytime you want.
If you have pets that need separate mealtimes, devices like the SureFeed Microchip Pet Feeder use RFID collar tags or your pets’ microchips to detect when the appropriate pet approaches the feeder. The device will only dispense food once it identifies the right animal.
Safety: Find Fido wherever he may roam.
If you have an escape artist or like to take off-leash nature walks with your pup, he may be a good candidate for a pet tracker — a GPS-enabled device that attaches to your pet’s collar. It’s lightweight enough to work for dogs of all sizes, or even cats. Use the app to establish zones where your pet usually plays or walks. If your buddy crosses the “safe place” boundary, you’ll receive an alert letting you know his location. Pet trackers like the Whistle 3 also work as fitness monitors, displaying how many calories your furry friend burned, how many miles he’s run, and how many hours he’s slept (hint: a lot!).
Security: Keep an eye on your pets.
There are a variety of WiFi-enabled cameras that let you see, hear, and talk to your pets when you’re not home.
1. Nest Cam: From the makers of Nest home security products, the Nest Cam is a high-quality indoor security camera that makes a great pet cam.
2. Wyze Cam: This security camera pans automatically, so you can always keep an eye on your animals.
3. Arlo Pro 2: For outdoor pets, this video camera is a weather-resistant, battery-powered option you can place anywhere. With an outdoor camera, you can see, hear, and talk to your pet whether you’re inside the house or across town at work.
4. Eyenimal Cat Video Camera: For a fun twist on a pet cam, attach this tiny camera to your pet’s collar to check out where she goes on her walkabouts. It has night vision, is water resistant, and will record two-three hours of video at a time.
Entertainment: Pet-friendly connected toys.
It’s hard not to feel guilty when you have to leave your pet home alone. Thankfully, technology has given us creative ways to keep our fur babies entertained (without chewing shoes or clawing the sofa). As a bonus, some of these devices even let you keep in touch with your pets wherever you are. Here are a few entertainment devices your pet might love:
The Interactive Cube: The PetCube Play is a sophisticated-looking black cube equipped with a camera. You can see your pet through a live video feed on your smartphone and “play” with her using a built-in laser toy that you operate via the app. You can also set the PetCube on a schedule, which is great for days when you can’t take a break to play.
The Substitute Ball Thrower: It’s as simple and ingenious as it sounds. The iFetch Interactive Ball Launcher for Dogs throws the ball for your dog to retrieve. Once you teach your pup how to return the ball to the launcher, she’ll quickly learn how to entertain herself for hours at a time. The iFetch works indoors or outdoors and has different sized balls for any size dog.
The Entertainment Center: Chat with your cat or dog no matter where you are using the PetChatzHD. Attach the camera to your wall at critter height to communicate with your pet via two-way audio. Use your PetChatzHD to have a video call with your pet or switch the channel to DOGTV. It can dispense treats and even has an accessory called PawCall that lets your pet call you on your phone or play games when you’re away. If your pet is willing to learn a few tricks, the PetChatzHD has endless ways to keep him entertained.
Comfort: Help calm your fearful friend.
It can be heartbreaking to know your pet is scared or anxious. Whether he’s set off by fireworks, vacuum cleaners, the garbage truck, or thunderstorms, anxiety is a common problem for many pets. When you can’t comfort him, provide him a safe space to relax with a safe nest like ZenCrate.
This crate filters out noise as an innovative solution for animals who startle easily. It’s designed to keep loud noises out and soothing noises in. The crate detects when an animal goes inside and begins playing soft, calming music. With reduced light exposure and vibration damping technology, this crate will become your pup’s sanctuary from an overstimulating world. Use the ZenCrate WiFi camera to check in on him when you’re out. The camera streams live video of your pup or kitty in the ZenCrate and sends a notification when he enters or exits the crate.
Our pets would do anything for us, so it’s our job to care for them the best we can. These high-tech, pet-friendly gadgets can help keep your best buddy happy, relieve boredom, and make your life just a little bit easier.
by Flagship Staff | Jan 8, 2019 | Blog
For many, buying a home is a dream come true. However, if you’ve been through the process, you know it’s not an easy task. You must figure out how much you can afford, get pre-approved, make an offer, and get a home inspection.
If you’ve purchased a new home recently, you may be familiar with the dangers of radon gas. If not, January is Radon Awareness Month.
What’s radon?
Radon is an invisible, odorless, and cancer-causing radioactive gas. It’s naturally found in rock, soil, and water. According to the U.S. Environmental Protection Agency (EPA), radon exposure is the second leading cause of lung cancer. It’s estimated that 21,000 Americans die each year.
Unfortunately, there’s no escaping it. Radon has been found in all 50 states. Levels can vary from house to house or even floor to floor. Therefore, just because your neighbor’s home may have high levels of radon it doesn’t mean yours will.
How radon enters your home
Due to the difference between pressure in your home and the ground, radon gas can be naturally pulled in. Radon can find its way into your home through:
• Cracks in your basement floor or foundation;
• Well water or your sump pump;
• Exposed soil in a crawl space;
• Loose fitting pipes; and
• Building materials such as brick, concrete, and rock.
If your home has high levels of radon, you and your family have an increased risk of lung cancer.
How can you protect your family?
Testing your home for radon is the only way to determine if your home and family are at risk. There are no other signs that can identify if there’s a problem in your home.
Types of radon test kits
There are two types of home kits available; short-term and long-term. Short-term kits can be purchased online or at big box retailers and cost between $10 and $30. This type of kit should be placed in the lowest part of your home for a specific amount of time; usually a couple of days. After the designated time frame expires, mail the test kit to a lab to analyze your results. The results will be mailed back to you.
A long-term kit can be purchased the same way, but the cost ranges between $10 and $200. A long-term kit may collect particles anywhere from 90 days to one year. While long-term kits provide more accurate results, your family may potentially be exposed for a longer period. Experts recommend purchasing a long-term kit only if a short-term kit identifies a potential problem.
Lastly, another option for testing your home is hiring a professional service. While this method is most accurate and delivers results quicker, it’s also more expensive.
Testing for radon in your water
If you live in the city, the EPA provides testing guidelines that must be followed. If you live outside the city and have a private well, it’s your responsibility to determine if your water is safe. Experts recommend yearly testing.
What to do if radon levels are high
If a test determines dangerous levels of radon in your home, contact a professional. They can provide additional testing, as well as design and install a radon mitigation system that is customized for your home. Once the system is running, follow up tests will be done to make sure it’s working properly.
by Flagship Staff | Dec 18, 2018 | Blog
Holiday traditions often make the holiday season the favorite time of year for many people. Those traditions include:
Picking out the perfect Christmas tree;
Participating in secret gift exchanges;
Baking cookies; and
Travelling to visit family.
However, this time of year can be very stressful for families dealing with internal drama. Snide remarks, political arguments, and opinionated relatives can make this a time of year you want to forget.
If you’re chuckling, you get my drift. If you’re a bit upset, take a breath. No one’s family is perfect!
Here are some tips to help you enjoy the holidays with your family a bit more this year.
1. Make a phone call. Carrying a chip on your shoulder year after year is a burden. If you’ve had a disagreement or fight with a family member, pick up the phone, send a text, or send a Christmas card. Discussing a misunderstanding ahead of your family party can make it more enjoyable or at a minimum more tolerable.
2. Be thankful. Even if you have no family drama, you may still get annoyed with some of your relatives. Consider being thankful for another year together. This may be the only time of year you see them. Life is precious and can change in a second.
3. Don’t be so serious. Sometimes we’re our own worst critics. Maybe things aren’t as bad as we think they are. Enjoy a little humor or a lighter outlook on things.
4. Exercise. This time of year is hectic. Family traditions, holiday concerts/plays, shopping lists, final exams, and your company’s year-end makes it hard to enjoy the holiday season. If you’re feeling stressed and losing sleep at night, increase your physical activity. Getting the endorphins flowing makes a big difference in how we handle stress. Get that workout in before your family event!
5. Be genuine. Trying to impress family members can be stressful and a lot of work. Connect with the family members you enjoy being around. Definitely be cordial to all, but don’t go out of your way to be someone you’re not.
6. Stand your ground. Don’t get tricked into a discussion or situation that’s going to upset you. More than likely it’s the same situation or comment from the same person every year. I had an uncle who always told me I looked healthy (over weight). Realize the game is beginning and simply walk away.
7. Just ignore them. Everyone experiences different levels of stress and emotion this time of year. Things may be said or done. It’s probably not because of anything you’ve done. It’s just them. A smile, nod, or simple gesture can keep a situation from escalating.
8. Plan an exit strategy. Before going to your family holiday party, discuss with your spouse or other family members on how long you plan on staying. As families grow and mature, it’s hard to stick to everyone’s schedule. Consider taking separate cars in case someone wants to leave early or stay late.
9. Think positive. Don’t let negative self-talk get you down. Stay positive and use tactics to keep the negativity to a minimum.
10. It’s about the kids. Unfortunately, I’ve experienced family drama during the holidays. While it can be hard to sit in the same room with a certain family member, put aside your differences for the kids. Think about the excitement the holiday brings to them. Spending time with their cousins and relatives creates memories that last a lifetime.
11. Respectfully decline. If the ideas mentioned above don’t work for you. Then it may be best to decline a holiday party invitation. At the end of the day, you have to do what’s best for you. Taking on extra stress during an already busy time of year doesn’t make sense. Consider starting a new tradition that brings you more happiness.
by Flagship Staff | Dec 11, 2018 | Blog
In today’s society of long-term college careers and high-debt range after graduation, there’s been a drastic increase in the age to which a child attends college or is being financially helped or supported by the parents. Unfortunately, this can create insurance coverage gaps for the adult child that parents may not realize and can jeopardize the child’s financial wellbeing.
When it comes to the personnel contents and the larger personal liability exposures on the homeowners’ policy, the age of the child, the full- or part-time student status, and where the child lives are all very critical for obtaining accurate insurance coverage.
The definition of who has coverage under a homeowners policy as an “insured” is limited to “residents of your household who are your relative” and further extends away from the home for “a student enrolled in school full time, as defined by the school, and is under the age of ___” (varies by carrier from 24 to 29 years old).
Many children now attend college beyond the ages of 24-29 years. Sometimes it’s because the child is working toward additional degrees. Maybe the child is working while going to school so it may take longer to graduate. Regardless of the reason, if a child is beyond that age, doesn’t have FULL-TIME student status, or is living away from home, it can instantly create a gap in their coverage for all their contents and personal liability insurance.
In more and more cases, parents are renting an apartment or purchasing a condominium or home for their child to live in. Although the parents purchase that dwelling, it’s not THEIR residence and they don’t live there. In many cases, the coverage that had been extended to the child on their parent’s policy is no longer available because the child now lives at this rented/purchased location and no longer resides with the parents.
As for the auto exposure, who the car is titled to, who’s listed on the policy as a Named Insured or Additional Insured, and where the child is living are all very critical in determining if the child has appropriate insurance coverage.
Under a personal auto policy, the definition of who has coverage includes “family members.” Family members are limited to “a person related to you by blood, marriage or adoption who is a resident of your household.”
So a vehicle titled and insured by the parents, but in possession of a child who isn’t a resident of the parents’ household, creates a gap in coverage for a child who rents or borrows a vehicle, as well one who’s injured while a pedestrian or while a passenger in another vehicle that has no or not enough insurance coverage. If a vehicle is co-titled or titled solely to the child, but the child isn’t properly listed as an Additional Insured or Named Insured, that can create a gap in coverage.
Here are some examples where adult children would NOT have coverage because the definitions, as stated above, don’t apply:
• Your child borrows a friend’s truck to pick up furniture they purchased and causes injuries to someone crossing the street. Your child didn’t know the friend had no insurance on the truck. Now your child has no liability coverage for the injuries they caused.
• Your child rents a vehicle while on vacation and doesn’t buy the insurance offered by the rental car company. Again, there’s no coverage for property damage to the rented vehicle or bodily injury to others if there’s an accident.
• Your child is hit by an uninsured motorist while walking across the street. There are no medical payments or uninsured motorist’s coverage for his or her own injuries.
• Your child is at a concert and accidentally bumps someone off the edge of the stadium bleachers causing severe injuries. There’s no coverage for the injuries caused to that person.
So always be sure to contact your insurance agent with current information about your child’s age, student status, and address to determine if they have the coverage they need. This will ensure, at the necessary time, that your child will avoid these insurance gaps and have the proper coverage in his or her own name. Without the proper insurance protection for injuries and damages, they risk personal financial devastation for many years to come.
