Summer Safety Insurance Tips
Posted June 21, 2017 in Insurance
Summer is a wonderful time to relax, enjoy the beautiful weather and have fun. To make sure that your summer goes just the way you want it to, follow these summer safety insurance tips to protect your family and property.
For more advice on safety and insurance, contact our insurance brokers at Gallant Risk & Insurance, Inc. We would be pleased to answer your questions and make expert personal recommendations for your needs. To reach us, please call 951-368-0700 or contact us online today.
Home Security While on Vacation
Before you go on vacation, make sure your home will be safe in your absence. Locking all windows and doors is a great start, but additional insurance mechanisms are highly recommended. Whether you choose to rely on your home security system, have a neighbor keep an eye out, ask someone to stay at your home while you’re away, or all of the above, make sure your property is protected while you’re gone. If nothing else, have a trusted neighbor check in on your home and contact you in the event of an emergency.
As a part of your home security, turn off all electrical appliances, take out the garbage, unplug anything that could be affected by a power surge and store valuables in a safe. You may wish to put a hold on your mail for the dates you will be away or ask a neighbor to collect your mail for you. If you have a pet, be sure to arrange for pet care.
When you travel, leave copies of your ID and passport with a relative. In your wallet or purse, take only the bank or credit card(s) that you will need for your trip and leave the rest in a secure location. Thoroughly research your vacation site so that you can be prepared for every situation, including safety, navigation and weather. Even though it may be tempting, avoid over-sharing your experiences on social media, as this can advertise your absence from home and leave your home more vulnerable. You can always share photos and videos of your trip as soon as you return home.
Beach Trip Safety
A day at the beach (or a multi-day beach trip) is a popular way to enjoy the summer. Before you go, establish safety rules for the family. Listen to all local recommendations regarding surf conditions, be especially cautious of the waves and riptides and keep an eye on all children. Should safety conditions change while you are there, be ready to listen to lifeguards and pack up and go if necessary.
If you have a pool and you have small children or any non-swimmers in your family, install a safety lock to prevent pool access when there isn’t adequate supervision. No one should be permitted to swim alone or be unattended in the pool area. Installing a pool alarm can give you peace of mind and notify you immediately if someone accesses the pool area without your notice. Most importantly, make sure you have life-saving equipment in your pool area, such as life jackets, a rescue hook and a rope with life-saving rings. If the pool is only used during the summer, do a safety inspection at the beginning of the season before allowing anyone to use it. Check for loose boards, nails, rust, structural integrity of the railing and anything else that could be a hazard.
Air Conditioning and Fans
In the heat of summer, think long and hard about whether it is really worth it to suffer without air conditioning in an effort to save a little money. Especially for seniors or people with ill health, to do so may be dangerous. Many have suffered heat stroke even inside their homes due to overheating during the summer. Modern-day conveniences are there for your benefit and protection. At the very least, make use of fans to keep airflow moving.
Sun and Heat Safety
Dermatologists recommend regular use of a broad-spectrum sunscreen that is at least SPF 15 (or higher for sensitive groups) to prevent skin cancer. Babies under six months should be kept in the shade, and anyone over six months of age should wear sunscreen when outside. Having to reapply sunscreen every two hours may seem like a nuisance, but it’s better than getting skin cancer. Sunglasses and wide-brimmed hats are also recommended for sun protection. You can guard against heat stroke by keeping to the shade. Use an umbrella or find a nice shade tree to sit by. Stay hydrated and drink lots of water.
Home Maintenance Safety
Maintenance is important for the safety of your home and the people who live in it. Seasonal maintenance can keep your home in the best condition and help you avoid costly damages. At the beginning of every summer, carefully inspect both the inside and outside of your home for any signs of damage, wear and tear and pest or animal infestations. Test the security of all door and window locks as well as screens, as they may allow criminal access if a window is accidentally left open to tempt a summer breeze. Check electrical outlets and cords and avoid overloading any power sources so that you do not present a fire hazard during the dry season. Inspect the exterior of your home for any signs of rot or deterioration, especially to wood structures after the cold or wet season.
If you hope to avoid irreparable loss or costly repairs, the best method is prevention. Follow these summer safety tips to keep your home, family and property protected this summer.