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3 weeks ago · by · 0 comments

Tips for Creating a Home Emergency Plan

There may be nothing more sacred than the safety and security of your home and family so, of course, you would go to any lengths to protect them. You can install systems to safeguard against events like home intrusion and fire but there is no way to prevent that unthinkable disaster. However, you can guarantee that you and your family will be prepared by creating a home emergency plan. This type of plan should be designed for all emergency situations so here are some tips to ensure that your plan is complete.

Review Your Insurance

Any property loss can be devastating but you will suffer less anxiety if you know that you are financially protected. The first step is to review your policies to be sure that they will cover any natural disasters that may be prevalent based on the area in which you live. Then, determine that your deductibles are within your budget and that the policy will pay the replacement costs of your property and possessions. Make whatever adjustments wherever necessary.

Design a Home Escape Plan

There is usually panic and chaos in a major emergency so to ensure that everyone has the best possible chance for escape, you need a step by step plan. The plan must include the locations of escape routes from each room in your home, assignment of specific duties to all who can handle them, and accommodations for those like infants, senior citizens and pets who cannot escape independently. There should be a step included for someone to contact emergency personnel if there is no home security system or if it malfunctions. You must identify safe meeting spaces within the house in case of an earthquake or tornado and outside of the house in case of fire or flood.

Create Contingencies If Separated

Emergencies often occur with little warning so you need to decide how you will respond if all family members are not together during the event. You should check with schools and other organizations to determine how they will protect your children. You should also teach your children how to contact you if necessary. Your local fire and police departments can make recommendations to help you with this part of the plan.

Plan for Evacuation of the Area

In cases where there is the potential for devastation to entire communities, it may be necessary to evacuate the area. You should decide on the location of your temporary shelter and multiple routes to use to travel there. It is important to inform friends and family members of your evacuation plans when possible so that they can track your progress.

Pack an Emergency Bag

One of the first steps in your home emergency plan is to pack a bag. This bag should be on hand in a designated area of your home and should contain all the items you need to sustain all members of the family for at least 72 hours. The bare essentials are water, a whistle, a first aid kit, a non-battery-operated flashlight, a portable device charger and a battery-operated radio. Any necessary medications like insulin or inhalers should be added once the evacuation decision is made.

Design a Communication Plan

Your plan needs to include instructions on how family members will contact each other if separated. In widespread emergencies, cell towers may become inefficient so texting should be the first option. Internet service may also be affected so you should identify wifi hotspots outside of your local area so that you can use email or social media to update loved ones about your situation. A written list of emergency contacts should be carried by all family members so that authorities can notify them if your communication efforts fail.

Practice Makes Perfect

Once you have the plan, practice it, practice it and practice it. Create a variety of possible scenarios and work through each of them. Make adjustments to the plan when necessary. There is nothing like the real thing and it is difficult to know exactly how everyone will respond. Hopefully, a well-organized home emergency plan keeps you and your family safe from all harm.

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3 months ago · by · 0 comments

Ways to Protect Your Farm Business

Starting a farm business is an exciting experience, especially if you are passionate about farming. There are hundreds of reasons to invest in agriculture. For instance, if you invest wisely in poultry or cattle raring, you will gain good profits every year. However, in order to earn a good profit from your farm, you must maintain it properly and buy the right farming equipment. You should research before launching your farm, which will help you gain adequate farming knowledge. Moreover, it is advisable to install the proper security measures to protect your farm from criminals. For example, if you have hundreds of animals, vehicles and expensive equipment on your farm, you must put advanced security measures to deter burglars. Keeping your farm business secure will make it tough for robbers to steal your farming machinery, livestock and other essential items. This article provides six crucial ways that you can use to safeguard your farm.

1. Talk to an Experienced Farm Insurance Company
Every agricultural business that is profit-oriented requires farm insurance. The insurance will cover the livestock, crops, ranch and farm equipment. Therefore, it is advisable to consult a reputable farm insurance agent in your region. Once you tell your farming needs to a reliable insurance agent, he will recommend the right coverage for you. Some of the factors that the insurance companies consider include the number of livestock reared on your farm, the size of your ranch, type of tools and anticipated profits. Investing in the best coverage will give you peace of mind.

2. Install an Advanced Security System
Installing the best security system is another perfect method that you should use to boost security on your ranch. For instance, you should buy high-quality CCTV cameras and install them on your property. The cameras will help you see every activity on your farm from wherever you are. Furthermore, it is advisable to invest in a good lighting system. If you keep valuable machinery in your stores, you need an alarm to protect your property. In the event of a robbery, the alarm system will inform you and the nearest authorities.

3. Keep Vehicles, Tools and Machinery Safe
As a farm owner, protecting your equipment should be your top priority. Vehicles and farming machinery are expensive. Generators and other crucial tools can be stolen easily. Your stores and commercial structures should be well-built. You should lock away tools and vehicles that are not in use. However, apart from building good structures and fencing your farm, you need to consult a trustworthy insurance agent to recommend the best insurance policy to protect your machinery. With the right cover, even if thieves steal your tools, you will get compensated.

4. Invest in Equipment Breakdown Coverage
Tractors and other farming tools are likely to get damaged after using them for a long time. Even if you maintain and repair them regularly, they can still break down. Once they get damaged, your farming operations may get disrupted, which will affect the level of production. Therefore, it is advisable to consult your insurance agent to help you add the best coverage to your policy. The equipment breakdown coverage will cover your tools. Once they get damaged, you will get compensated. Your farming operations will not come to a halt.

5. Secure Your Livestock
As a farmer, you need to know that robbers can steal your animals, especially if you are grazing them far from your house. You should check the condition of the gates and fences regularly. The gates should remain closed all the time to keep intruders out. Moreover, you need to keep an accurate record of your animals. You can use earmarks, microchips and tattoos to identify your livestock. You can also take videos or photos of the most expensive animals. Your farm insurance should cover your livestock to avoid losses in the event of a robbery.

6. Invest in Product Liability Coverage
Agribusiness is one of the most profitable ventures in the modern society. However, in order to surpass your competitors in the industry, you must invest in the best policies. For instance, you need to invest in product liability coverage to protect your farm business. You need to understand that you are always liable for any service or product you sell or manufacture. As a farmer, you should approach a reliable insurance agent to help you assess the risks associated with your farming business. The insurance company will recommend the best policy to cover all those risks.

Lastly, it is advisable to digitize all your farming operations. You should record every item manufactured and sold by your company. Also, you should hire honest employees to run your ranch. Once you secure your farm and invest in the best equipment, your business will grow.

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6 months ago · by · 0 comments

Homeowner Maintenance Tips That Anyone Can Do: The Exterior

As you know, keeping your home in good shape is critical to its long-term health. Often, a homeowner can go for interior tasks because it is easy to remember and forget to maintain the exterior of their home as they think it doesn’t affect them much. That is wrong. In fact, when you maintain the exterior of your house, it can help you to avoid interior related issues as well as keep pests, moisture, rots and decay away from your home.

Well if that sound news to you and you don’t remember the last time you maintained your exterior, it’s time to do it before the small issues become the significant repairs. Here are some homeowner maintenance tips that can get you started:

Roof, chimney and gutters

When maintaining any home exterior, homeowners should keep cleaning your gutters, roof and chimney a top priority. It is not hard, but if you are not comfortable with heights, you can hire someone else to do the work for you. You need to clean out the gutters, check for broken or cracked bricks in the chimney and power wash the winter grime from the roofs. Also check if there are any damage shingles, on your roof, reattach loose gutters sections and re-caulk skylight’s leaking and weathered sections.

Walls

Inspect your wall to identify cracks or gaps in siding panels, broken sidings, and stucco. If you find any of the imperfections, you should reattach, scrape and paint any exposed parts. If you have vinyl siding, you can greatly benefit from power wash, and if it is a wood siding, it should be treated to protect it from elements.

Doors and windows

Look for broken screens, sticky locks, loose handles and hinges, and cracked seals. Make sure you check on the front doors which are often overlooked even though they are numerously used each day. Check the caulking that seals the gaps of the home siding and be cautious of the wood rots that often occurs because of water on the door thresholds, windows sills and the vertical kicks below the door.

Foundation

Foundation maintenance is vital to keeping your home dry and comfortable. If there are foundation cracks in your home, you might suffer from rodent troubles, leaks and insect infestations. To avoid this, you should always check your home’s foundation for cracks twice a year. If you find any, fix them with a concrete patch as soon as possible. Make sure you have not left them unattended for too long because might result in more significant problems that require even more time and resources to repair.

Also, be cautious of large cracks, which could indicate structural problems. If found, it is better to consult a professional.

Drainage

Check the drains around your home, because all water that runs or meltdown has to go somewhere. If there are poor drains around your home, the water might end up in your house basement leading to moulds. To avoid this, fix it by sealing the broken path or adding an extension to the gutter downspout.

Vegetation

Vegetation can invite rodents into your home. To avoid this, you should make sure that no tree branches are hanging around your roof and damaging shingles. Also, make sure that no dense shrubs and other growth on your siding by keeping them at least two foot away from your home.

You should keep the trees around your home trimmed and remove dead branches that can fall and damage your home or injure someone.

Conclusion

As we conclude with our homeowner maintenance tips, you should know that owning a house comes with significant responsibilities. You should regularly check for any issue and fix them as soon as they arise to avoid bigger problems that you might require professional to help you find a solution.

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Cincinnati Family and
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910 Loveland Madeira Road,
Loveland, OH 45140

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mike@cincinnatifamilybusinessinsurance.com

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