Archive for November, 2011

Turkey Fryer Safety Tips

November 23rd, 2011 by Iris | Comments Off | Filed in advice and how-tos, fire insurance

Thanksgiving is tomorrow. It’s a day filled with food and festive spirits, but it’s also the top day of the year for cooking-related accidents and injuries, and one of the most common causes of them is the turkey fryer. Let’s face it: anything that involves a vat of boiling oil is inherently dangerous.

We’re not saying you shouldn’t use a fryer – after all, crispy turkey skin is one of our favorite once-a-year guilty pleasures, as well, but we think you should boost your fire insurance policy before you start to cook, have a first aid kit handy, and follow these safety tips, from Dr. Thomas Esposito, chief of the Division of Trauma, Surgical Critical Care and Burns in the Department of Surgery, Loyola University Chicago Stritch School of Medicine:

  • Look for the newer fryers with sealed lids to prevent oil spills.
  • Keep the fryer in full view while the burner is on.
  • Keep children and pets away from the cooking area.
  • Place the fryer in an open area away from all walls, fences or other structures.
  • Never use the fryer in, on, or under a garage, breezeway, carport, porch, deck or any other structure that can catch fire.
  • Slowly raise and lower the turkey to reduce hot-oil splatter and to avoid burns.
  • Never cook in short sleeves, shorts or bare feet. Cover all bare skin when dunking or removing bird.
  • Protect your eyes with goggles or glasses.
  • Immediately turn off the fryer if the oil begins to smoke.
  • Make sure the turkey is completely thawed and be careful with marinades. Oil and water don’t mix and water can cause oil to spill over, creating a fire or even an explosion.
  • Don’t overfill fryer with oil. Turkey fryers can ignite in seconds after oil hits the burner.
  • Keep a fire extinguisher appropriate for oil fires close at hand and be familiar with how to operate it.
  • Do not use a hose in an attempt to douse a turkey fryer fire.
  • If you do burn yourself, or someone else is burned, seek immediate medical attention.

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Citizens Cuts Homeowners Insurance in Florida

November 16th, 2011 by Iris | Comments Off | Filed in homeowners insurance

Citizens Property Insurance customers in Florida will have less coverage available in 2012.

The company, which is run by the state, released a memo to its agents stating that it will be eliminating homeowners insurance coverage for most structures beyond the main residence listed on a policy. Specifically excluded will be car ports, patios, screen porches and pool enclosures that are not constructed from the same materials as the actual residence.

The exclusions don’t end there, however. Citizens is also excluding coverage for gazebos, tiki huts, or any other similar structures likely to be open to the weather, or any structure that has a roof or wall built from lattice, thatching, or similar materials.

Citizens is also instituting a $10,000 cap on cosmetic damage to floors that cover less than five percent of the total square footage of a home.

According to company spokesperson Christine Ashburn, these changes will go into effect on all new and renewal policies on January 1, 2012.

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Wednesday Filmstrip: Renters Insurance

November 9th, 2011 by Iris | Comments Off | Filed in friday filmstrips, insurance facts, renters insurance

Even renters need insurance to cover their belongings. This video explains exactly how to purchase renters insurance, and what extras you may want to consider.

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Peak Deer Season is Here

November 2nd, 2011 by Iris | Comments Off | Filed in auto insurance

The Virginia Farm Bureau wants motorists to be on the lookout for deer on roads and highways, especially in rural areas, during this time of year.

Why is this a concern? November is the peak time for car-vs.-deer collisions, and Virginia is one of the top ten states for such accidents. Virginia Farm Bureau Mutual Insurance Company handled more than 3,000 such claims last year, and the average loss per claim was over $2,100.

October and December are also high-traffic times of year for deer crossing, the Farm Bureau says.

Across the country, deer-related collisions result in about 150 (human) deaths and about $4.6 billion in auto insurance claims every year.

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