Friedman Associates - Everyday Insurance Insights

Adults Need Shots Too

2012-02-24T06:18:00.000-08:00

Each year the U.S. recommended immunization schedule for adults is reviewed by scientific and medical experts who examine research on effective control of vaccine-preventable diseases. Changes in the 2012 recommendations reflect research that shows the best way to protect you and young, vulnerable children around you.

Take a look at the following updates; one or more may apply to you.

Hepatitis B Vaccination

Adults recently diagnosed with diabetes who are younger than 60 years old are now recommended to receive the hepatitis B vaccine as soon as possible.

HPV Vaccine

Males 22 through 26 years of age whose immune systems are weakened, who have sex with men, or who test positive for HIV, are now recommended to receive the HPV (human papillomavirus) vaccine. The HPV4 vaccine is also recommended for all boys at age 11 or 12 and catch-up vaccinations for males age 13 through 21 years.

Influenza Vaccine

A yearly flu vaccination is still recommended for everyone six months of age and older, but especially for seniors over 65, pregnant women, and those with health conditions like diabetes, asthma or heart disease. These groups are at high risk for serious flu-related complications.

Donating Blood Soon?

If you've recently received a vaccine, you may be asked to wait to give blood. The waiting period varies, depending on the vaccine.

Pneumoccocal Vaccine

The U.S. Food and Drug Administration (FDA) recently announced the approval of Prevnar 13, a pneumococcal vaccine, for use in adults age 50 years and older. Although CDC recommends that those age 65 and older and those age 19 through 64 with certain health conditions get another pneumococcal vaccine called Pneumovax, CDC has not issued any formal recommendation concerning Prevnar 13. Talk with your doctor if you have questions.

Tdap and Td Vaccine

The Tdap (tetanus, diphtheria, and pertussis) vaccine is now recommended for women in the third or late second trimester (20th week or more) of their pregnancy.
Tdap is recommended for all those who are close contacts of infants younger than 12 months of age – for example, parents, guardians, grandparents, babysitters, nannies, teachers, and those who have not previously received the Tdap vaccine.
Other adults, who are not close contacts of children younger than 12 months of age, are still recommended to receive a one-time dose of the Tdap vaccine. After your initial dose of Tdap, you’ll need the Td booster every 10 years. But you don’t need to wait to get the Tdap vaccine if you have recently been vaccinated with the Td booster.

Zoster (Shingles) Vaccine

The FDA recently approved the use of zoster vaccine in those 50 years old; however, CDC continues to recommend that vaccination for shingles begin at age 60.

Do You Need Other Vaccines?

Throughout your adult life, you need immunizations to get and maintain protection against other vaccine-preventable diseases such as shingles, seasonal flu, pneumococcal disease, and human papillomavirus. If you are going to travel internationally, you might need other vaccines. Visit cdc.gov for more information.

Source: cdc.gov

Be safe with your home's fireplace

2012-02-15T11:06:00.000-08:00

Fireplace and Home Fire Safety

More than one-third of Americans use fireplaces, wood stoves and other fuel-fired appliances as primary heat sources in their homes. Unfortunately, many people are unaware of the fire risks when heating with wood and solid fuels.
Heating fires account for 36% of residential home fires in rural areas every year. Often these fires are due to creosote buildup in chimneys and stovepipes. All home heating systems require regular maintenance to function safely and efficiently.
The United States Fire Administration (USFA) encourages you to practice the following fire safety steps to keep those home fires safely burning. Remember, fire safety is your personal responsibility ...Fire Stops With You!

Keep Fireplaces and Wood Stoves Clean

Have your chimney or wood stove inspected and cleaned annually by a certified chimney specialist.
Clear the area around the hearth of debris, decorations and flammable materials.
Leave glass doors open while burning a fire. Leaving the doors open ensures that the fire receives enough air to ensure complete combustion and keeps creosote from building up in the chimney.
Close glass doors when the fire is out to keep air from the chimney opening from getting into the room. Most glass fireplace doors have a metal mesh screen which should be closed when the glass doors are open. This mesh screen helps keep embers from getting out of the fireplace area.
Always use a metal mesh screen with fireplaces that do not have a glass fireplace door.
Install stovepipe thermometers to help monitor flue temperatures.
Keep air inlets on wood stoves open, and never restrict air supply to fireplaces. Otherwise you may cause creosote buildup that could lead to a chimney fire.
Use fire-resistant materials on walls around wood stoves.

Safely Burn Fuels

Never use flammable liquids to start a fire.
Use only seasoned hardwood. Soft, moist wood accelerates creosote buildup.
Build small fires that burn completely and produce less smoke.
Never burn cardboard boxes, trash or debris in your fireplace or wood stove.
When building a fire, place logs at the rear of the fireplace on an adequate supporting grate.
Never leave a fire in the fireplace unattended. Extinguish the fire before going to bed or leaving the house.
Soak hot ashes in water and place them in a metal container outside your home.

Protect the Outside of Your Home

Stack firewood outdoors at least 30 feet away from your home.
Keep the roof clear of leaves, pine needles and other debris.
Cover the chimney with a mesh screen spark arrester.
Remove branches hanging above the chimney, flues or vents.

Protect the Inside of Your Home

Install smoke alarms on every level of your home and inside and outside of sleeping areas. Test them monthly and change the batteries at least once a year. Consider installing the new long life smoke alarms.
Provide proper venting systems for all heating equipment.
Extend all vent pipes at least three feet above the roof.

Source: The United States Fire Administration (USFA)

Be Heart Smart and Live a Healthier Life

2012-02-09T06:07:00.000-08:00

Heart Disease Prevention: What You Can Do

Live a Healthy Lifestyle

Eat a healthy diet. Choosing healthful meal and snack options can help you avoid heart disease and its complications. Be sure to eat plenty of fresh fruits and vegetables. Eating foods low in saturated fat and cholesterol and high in fiber can help prevent high blood cholesterol. Limiting salt or sodium in your diet can also lower your blood pressure.
Maintain a healthy weight. Being overweight or obese can increase your risk for heart disease. To determine whether your weight is in a healthy range, doctors often calculate a number called the body mass index (BMI). Doctors sometimes also use waist and hip measurements to measure a person's excess body fat.
Exercise regularly. Physical activity can help you maintain a healthy weight and lower cholesterol and blood pressure. The Surgeon General recommends that adults should engage in moderate-intensity exercise for at least 30 minutes on most days of the week.
Don't smoke. Cigarette smoking greatly increases your risk for heart disease. So, if you don't smoke, don't start. If you do smoke, quitting will lower your risk for heart disease. Your doctor can suggest ways to help you quit.
Limit alcohol use. Avoid drinking too much alcohol, which causes high blood pressure.

Key Definitions

Heart disease refers to several different types of heart conditions.
Coronary artery disease is a type of heart disease that occurs when a substance called plaque builds up in the arteries that supply blood to the heart.
Plaque is made up of cholesterol deposits, which can accumulate in your arteries.
Atherosclerosis is a condition that occurs when too much plaque builds up in your arteries, causing them to narrow.
Cholesterol is a fat-like substance in the body. High levels in the blood can lead to heart disease and stroke.
Diabetes is a disease that affects the body's use of insulin. Insulin tells the body to remove sugar from the blood. People with diabetes either don't make enough insulin, can't use their own insulin as well as they should, or both.
Obesity is excess body fat.

Prevent or Treat Your Medical Conditions

If you have high cholesterol, high blood pressure, or diabetes, there are steps you can take to lower your risk for heart disease.

Have your cholesterol checked. Your health care provider should test your cholesterol levels at least once every five years. Talk with your doctor about this simple blood test.
Monitor your blood pressure. High blood pressure has no symptoms, so be sure to have it checked on a regular basis.
Manage your diabetes. If you have diabetes, closely monitor your blood sugar levels. Talk with your health care provider about treatment options.
Take your medicine. If you're taking medication to treat high cholesterol, high blood pressure, or diabetes, follow your doctor's instructions carefully. Always ask questions if you don't understand something.
Talk with your health care provider. You and your doctor can work together to prevent or treat the medical conditions that lead to heart disease. Discuss your treatment plan regularly and bring a list of questions to your appointments.

Source CDC website: See the full article, as well as other health links visit: http://www.cdc.gov/heartdisease/what_you_can_do.htm

Get Ready For the Big Game With These Tips From The CDC

2012-02-02T06:40:00.000-08:00

Have a Safe and Healthy Super Bowl Celebration

Eat healthy

Hosting the party? Avoid a false start with fattening foods. Add healthy snacks to your menu instead of high fat foods, or go for the super bowl trophy by serving all healthy snacks. Eat healthy snacks before the celebration to prevent overindulging.

Include fresh fruits and vegetables, such as apple halves or carrot sticks. There should be a variety in season.
Avoid the blind side; many dips and dressings contain far more calories than you think. Limit portions or serve fat-free or low-fat dips and dressings.
Offer foods and beverages low in fat, calories, sugars, salt, and sodium.
Serve foods and beverages that can be consumed by people with diabetes or on special diets.

Consider food safety

As you prepare game day meals and snacks, take steps to avoid serving recalled products and follow food safety guidelines to prevent illness.

Visit the Food Safety website for information on product recalls.
Follow the Four Rules of Food Safety: Clean, Separate, Cook, Chill.

Limit alcohol

Don't get a penalty for drinking and driving. Take steps to make sure you and other guests you celebrate with avoid driving under the influence of alcohol.

Plan ahead. Always designate a non-drinking driver before any party or celebration begins.
Don't drink and drive or let others drink and drive.
Be a helpful host by reminding your guests to designate a sober driver and offer alcohol-free beverages.

Alcohol is common during sports celebrations, but be mindful that for pregnant women, consuming alcohol can cause babies to be born with fetal alcohol syndrome (FAS), a lifelong condition that causes physical and mental disabilities.

Get physical activity

Score a first down by adding games that include physical activity. Physical activity doesn't need to be hard to be beneficial. Be active for at least 2½ hours a week. Include activities that raise your breathing and heart rates, and that strengthen your muscles.

Dance along with the music during half time or put on your own half-time show.
Toss the football around during commercial breaks.
Lift hand weights, stretch, or use a stationary bicycle or treadmill while watching television.

Stay warm

If it's going to be cold, take these steps to stay warm on game day.

If you are tailgating or celebrating outdoors, dress warmly and wear loose-fitting, layered clothes.
Outer garments should be tightly woven and water-repellent.
Drink warm liquids that do not contain caffeine or alcohol. Alcoholic drinks cause your body to lose heat more quickly.
Keep heat sources at least 3 feet away from furniture and drapes.

Stay safe

Parties and tailgating can be fun, but it's important to pay close attention to things that may cause injury and take precautions. Injuries, both unintentional and those caused by acts of violence, are among the top ten killers for Americans of all ages. Injuries can cause pain and inconvenience, and even lead to disability, chronic pain, and death.

Never leave children unattended.
Avoid wearing clothing or costumes that block your vision or restrict your movement.
Make sure your pets can handle the excitement before placing them in new or strange situations.
Never use generators, grills, camp stoves, or other gasoline, propane, natural gas, or charcoal-burning devices inside your home, basement, garage, or camper. Even when using these items outdoors, make sure they are not near an open window.
Have a fire extinguisher nearby when cooking or using a grill in case there's an accidental flare-up.
Have a first-aid kit in your home and vehicle to handle injuries like small cuts and bruises.
Wear seatbelts.
Wear appropriate protective gear when playing a pick-up game or riding bicycles, motorcycles, and skateboards.

Enjoy the game!

Source: CDC.GOV

CDC works 24/7 saving lives, protecting people from health threats, and saving money to have a more secure nation. A US federal agency, CDC helps make the healthy choice the easy choice by putting science and prevention into action. CDC works to help people live longer, healthier and more productive lives.

Articles and Blogs We Found Informative This Week

2012-02-01T08:24:00.000-08:00

Interesting Virginia Insurance Articles Posted This Week

	Interesting Articles This Week
	Business Tips One Sure-fire Way to Be a Better Leader By Bruna Martinuzzi - President, Clarion Enterprises Ltd. Read Here
	Workers' Compensation Ergonomics Pre Existing Conditions and Workers Compensation AMAXX RISK SOLUTIONS, INC.- Workers'Comp Roundup Read Here
	Insurance News CFA Study on Auto Insurance ‘Misguided,’ Says Industry By Arthur D. Postal, PropertyCasualty360.com - January 31, 2012 Read Here
	The U.S. Economy CBO adjusts forecast upward on deficit, unemployment. By Erik Wasson - The Hill blog Read Article

Interesting Articles Posted This Week

2012-01-20T07:11:00.000-08:00

Interesting Virginia Insurance Articles Posted This Week

	Articles of Interest
	Health & Wellness Designing a Small-Business Wellness Program by Julie Rains, Senior Editor, Wise Bread Read Here
	Health & Wellness Build an Office-Wellness Program in 4 Easy Steps Katie Morell, Contributor, OPEN Forum Contributors Read Here
	Insurance News Fake Hasidic Jews, Cow in a Coffin, More in Top Insurance Scams of 2011 Staff Writer - Property Casualty 360 Slide Show Here
	The U.S. Economy Prices for construction materials slip 0.2% in December: The Business Journal Date: Wednesday, January 18, 2012, 2:05pm EST Read Article

Be Prepared for Winter Storms

2012-01-18T06:35:00.000-08:00

Preparing for winter storms, whether yourwork involves being inside, outside or in a vehicle, is crucial to survival andsafety. Become familiar with winter storm warning signals so you can takeappropriate action, and learn the dangers of winter ailments so you can avoidinjury. Use these tips to refresh your knowledge on winter storm preparation.

Winter Weather Warnings

Keep in touch with the following weather alerts and familiarizeyourself with what they mean so you know when to be on your guard and whatactions you may need to take:

· Winter storm watch: Be alert, a storm is likely

· Winter weather advisory: Experts expect winter weatherconditions to cause significant inconveniences and may be hazardous, especiallyto motorists

· Frost/Freeze warning: Experts expect below freezingtemperatures that may cause damage to plants, crops or fruit trees

· Winter storm warning: Take action, a storm is entering –or is already in – the area

· Blizzard warning: The combination of snow and strongwinds will produce blinding snow, near zero visibility, deep drifts andlife-threatening wind chill – seek refuge immediately

Gearing Up to Prevent Cold Injuries

Frostbite and hypothermia are serious conditions resulting fromextreme cold that can progress rapidly if ill-equipped. To prevent theseconditions, which could result in death or permanent damage, do the following:

· Select proper clothing for cold, wet and windy conditions

· Layer clothing when possible, and be sure to includelayers that repel moisture away from the skin

· Take frequent, short breaks in warm, dry shelters whenpossible

· Avoid over-exhausting yourself, as the body needs thisenergy to keep the muscles warm

· Plan to work in pairs when it’s cold to share the load and watch forwarning signs of frostbite or hypothermia

· When you know you will be exposed toextreme cold, prepare yourself warm,sweet beverages to drink – avoiddrinks containing caffeine or alcohol

· Prepare warm, high-calorie foods to consume if you know you will be outsidefor long periods of time

Other Winter Storm Hazards to BePrepared For

· Adverse driving conditions such as lowvisibility and slippery roadways

· Slips and falls on icy walkways orfrom heights

· Being struck while walking or in yourvehicle by falling objects like icicles, tree limbs and utility poles

· Electrocution due to downed powerlines or downed objects in contact with power lines

· Roof collapses under weight of snow or flooding from melting snow

· Exhaustion, dehydration and back injuries from conducting manuallabor in the snow

Source:OSHA, Provided by: Friedman Associates

Don’t Let the Season Make You Blue

2012-01-18T06:29:00.000-08:00

Seasonal Affective Disorder

Don’t Let the Season Make You Blue

Manypeople suffer from Seasonal Affective Disorder (SAD) during the winter months.This is a recurring depression that subsides in spring and summer. The cause ofSAD is unknown; however, experts suspect that an increased level of melatoninin the blood could be the main contributing factor. Melatonin increases theneed and desire to sleep, which is more readily produced when it is colder anddarker outside. With less daylight, the biological clock that regulates mood,sleep and hormones in the body are also delayed and run more slowly in thewinter.

Thinkingthat you or a loved one is suffering from SAD? Here are some of the most commonsymptoms:

• Difficultyconcentrating

• Lowenergy and fatigue

• Decreasedinterest in daily activities

• Moodinessand irritability

• Increasedappetite and weight gain

• Cravingsfor carbohydrates

• Increasedsleep and more daytime drowsiness

• Lossof interest in sexual intercourse

Torelieve the symptoms of SAD, experts recommend increasing the amount of lightthat is in your home by opening the shades, trimming trees around windows andadding skylights. It is also helpful to get outside and take a walk on a sunnyday, even when temperatures are chilly. In addition, incorporate exercise intoyour daily routine to relieve stress, find ways to relax and take a vacation tosomewhere sunny.

Keep Germs to Yourself Tips for Cold and Flu Season

2012-01-13T09:00:00.000-08:00

It’s cold and flu season again,so you should probably get out your handkerchief and be prepared to spend a fewdays in bed, right? Not necessarily!

There are a few simple things youcan do to reduce your risk of getting sick:

Wash your hands frequently with soap and water, especially beforeeating, or use hand sanitizer if you can’t get to a sink.

Avoid shaking hands with others, especially those who have beensick recently.

Keep working surfaces, telephones and computers clean by usingcleansers designed for these items.

If you do start to feel ill, cover your mouth and nose when yousneeze and cough. Then, wash your hands to avoid spreading germs to others.

Did You Know?

Accordingto the Centers for Disease Control and Prevention (CDC), five to 20 percent ofthe population catches the flu each year. To beat the odds, eat well, getplenty of rest and wash your hands frequently to shoo the flu bug away!

Workplace safety tipsbrought to you by the insurance specialists at Friedman Associates.

Got Insurance Questions?

2012-01-05T05:59:00.000-08:00

Do you have questions about your insurance coverage, or want to know what something in your policy means? Leave us a comment on this blog and we'll try to answer your question in a response or as the subject of a future blog.

Credible Warning? Just Be Aware

2011-12-09T07:16:00.001-08:00

I'm sure from time to time you get different e-mails from friends and relatives warning of various things from computer viruses to e-mail schemes. My first advice is to do the equivalent of "ask an expert", which means to search Google. I usually start with the subject line since these e-mails circulate like chain letters across the Internet and individuals e-mail accounts. You'll find out pretty quick if what you are reading is truthful or full of B.S..

Today's email seems credible, and I can see someone trying this. It's good to review some common sense practices for being out and about during this time of year. Parking lots can be full of danger, especially if you may have valuables or cash for thieves to target. Unfortunately women always need to be alert, especially at night and in poorly lit parking lots, and garages.

The alert that was sent to me cautions to be aware of paper attached to the back window of your car.

The thinking is, and here is where the danger lies, is that you will get into your car, start it up and begin to back up when you look in the rear view mirror and see a piece of paper annoyingly in your view. You'll put your car in park, still running, and if you have automatic locks will be unlocked, to grab this piece of paper. This is when a carjacker or thief will quickly either jump into your car and take it, or grab anything of value you may have in the vehicle like a shopping bag or purse. If your purse is in the car then the thief has access to your personal information, credit cards etc., and now also has the keys to your home or apartment.

They say this is starting to be reported to police so just be aware.

Unfortunately it can be dangerous out there so use common sense when out shopping by following this advice:

• Be Alert and Aware. Look at your surroundings, and if someone or something
doesn't seem right don't take a chance. Wait till the potential danger has passed
or person has left.

• Keep your purse close to you. Keep your wallet in your pocket. Don't leave in store
shopping carts or place on store counters.

I always tell my children, "If it's of value, keep it on you, in your pocket,
and don't leave it somewhere where you can't see it and where someone
might have access to it." - Just my 2 cents worth, having a 14 and 18 yr old.
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Last year while shopping my wife and I noticed a set of keys on a store
cosmetics counter. The keys looked like they were from a rental car and
had a tag with the make, model and licence number of the car!
[]
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If your children are shopping keep hold of their money. Little purses or
wallets can be easily misplaced, especially if they are involved in playing
with toys or in play areas of malls. The same goes for mittens, teddy bears,
or anything else they can't leave home without. You keep track, avoid the
tears and having to replace the money Grandma and Grandpa gave them.

• Write down your credit and debit card numbers and keep in a safe place. If
they become lost or stolen it will make it easier when reporting them to banks
and credit card companies.

Watch those credit card bills if you've been shopping on-line. Last year a
credit card company called me to ask if I indeed wanted to buy airplane tires!
I'm serious, someone was trying to by airplane parts with my credit card.
I told them "I don't even have a plane yet, so no I don't need new tires."

• Don't leave anything unattended. Keep it close to you so it isn't forgotten.

Out with my daughter we stopped for lunch. She placed her large bag on the
seat across from her. When we left, she forgot the bag, thankfully when we
returned it was where we had left it.

• Avoid crowded shopping areas, you're most likely to be pick pocketed in a crowd.

• Don't bring a lot of cash or credit cards with you. Carry only what you need. Pay
as close to the transaction amount as possible, avoiding large bills. Don't carry
envelopes full of cash.

This reminds me of poor old Uncle Billy in the movie "It's a Wonderful Life",
Don't be an Uncle Billy. If you haven't seen the movie, and some haven't, Billy
goes to make an important bank deposit and mistakenly winds up giving to a
business rival. He makes an honest mistake but the rival doesn't give the
money back.

• If you are placing items in your car, keep them in the trunk and out of sight of
thieves. Keep all your valuables out of sight in your car.
[See our blog on GPS safety tips]
After the holidays the kids might have new gadgets, hand held video games, tablet
computers, I-pods, phones etc., keep them at home or hidden away if they are
leaving them in the car.

• Park and shop in areas that are well lit. If a local store shopping center is poorly lit,
shop there during the day. Most malls have security that can assist you to getting
to your car if you have to park in a poorly lit area.

• Again, BE ALERT! Get your keys out before leaving the store and carry them with
you. Most self-defense courses will usually mention how keys can be used as a
weapon against an attacker, but that's another topic. Fumbling for keys makes you
inattentive,taking your attention way from anyone who may be watching you.

• As you approach the car look to make sure the doors are fully closed and that
there is no one inside. Of course always check to make sure all car doors are
locked before you walk away from it.

Again with the kids, one always seems to forget to lock the door. If you
have manual locks walk around the car to ensure that no doors have been
left unlocked. And if you have automatic locks walk around and make sure
all the doors are locked and windows are closed. You never know.

• Use ATM's wisely always! Remember this time of year, Tis the season of
opportunity for robbers! Make sure your ATM location is well lit, and avoid
using when alone or late at night. Keep those PIN numbers locked up safely,
inside your brain!

BE SAFE EVERYBODY, ENJOY THIS TIME OF YEAR BUT USE COMMON SENSE,
BE AWARE, AND DON'T BE A VICTIM OF CRIME!

We encourage you to review safety information, you can search
"holiday shopping safety"
on-line for more tips. Be sure to review these tips with your family.

portions of this blog were adapted from information from the Miami-Dade Police

Are Insurance Rates Headed for an Increase?

2011-12-08T06:09:00.001-08:00

Back in 2008 experts had predicted that the soft insurance market was due to harden, with rate increases expected in 2009, but that really never took hold. Now reports are circulating that the market is again beginning to show some increases in premiums, however this time it appears that rates are increasing for both personal insurance and commercial insurance. Rates for personal auto and homeowners insurance seem to be particularly susceptible to increases in the future. Financial analysts seem to be in agreement that this time the predictions of a hardening market are for real. Evidence is that U.S. property/casualty industry premiums have grown at a rate faster than anytime since 2006.

The insurance market has remained soft for the last seven years, and with increases in November, evidence is that the cycle is finally broken. Increases for commercial coverage, although small, have been seen in commercial property, business owners' policies and workers' compensation. Also some industries as a whole are seeing increases from one to three percent. It appears that small businesses may see increases first, as larger businesses and industries premiums remain relatively flat.

Increases in property coverage come as no surprise due to seventy billion in insured losses this year worldwide and nearly thirty nine billion on the U.S. alone. Combined with investment losses insurance companies have experienced in their portfolios, insurance companies have few if any options. The result is they have to make that up somewhere, in premiums, which is why we are seeing increases. At present renewals for property coverage are seeing increases of one to ten percent on about thirty percent of renewals, with another ten percent seeing increases of up to twenty percent. This is dependent on past loss histories or exposure risks, especially catastrophic risk.

The forecast for the future isn't particularly rosy as insurance providers do not expect losses to improve or significant gains to be added to reserves. This only means one thing, that the consumer and business owners will have to bear the cost of future uncertainties and losses in the form of higher premiums. At Friedman Associates, an independent insurance agency, we work with many of the top insurance carriers for both commercial and personal insurance. We work with consumers and businesses throughout the seven cites of Hampton Roads. If you are in need of insurance advice or would like to have your current policies reviewed we'll be happy to assist you.

Healthy Eating As You Celebrate

2011-12-06T06:06:00.001-08:00

The holidays present us with a variety of foods that can cause usto over eat and gain weight.

As you give thanks, give holiday gifts andring in the new year, all that celebrating seems to catch up with yourwaistline.

Typically, the average adult who is at ahealthy weight gains one pound due to the holidays. This is not necessarilygood news, though. According to The NewEngland Journal of Medicine, most people do not lose that pound andcontinue to put on weight each holiday season, year after year. For those thatare already overweight, their weight gain is normally at least five poundsaround the holidays.

FestiveFood Smarts

In spite of the statistics, there are some healthy things you can do whilecelebrating to stay in control of your eating and drinking.

§ Do not leave the house on an empty stomach; you will overeat onceyou arrive at a party because you are starving. Instead, have a healthy snackbefore you leave the house, such as a piece of fruit, a handful of nuts orlow-fat yogurt.

§ Avoid standing or socializing near the food table.

§ Fill your plate with healthy foods such as salad, fresh fruit andvegetables. Then, leave the remainder of your plate for small portions of lesshealthy foods that you really love.

§ Making mingling a top priority by keeping yourself occupied inconversation and away from food.

§ If you are in the mood for something sweet, eat a piece of fruitrather than a piece of cake.

§ Limit your alcohol intake. It increases hunger and also reducesyour willpower to refrain from overeating. Also, some mixed drinks, such aseggnog, have as many calories as many desserts, so be wary before taking a sip.

§ Drink a glass of water or seltzer between alcoholic beverages andorder mixed drinks with diet soda.

§ When you start to feel full, stop eating!

The battle of the bulge is notlimited to holiday parties and celebrations. If you get food as a gift, take asmall taste and then bring the rest to work for your coworkers to enjoy. Or,donate unopened foods to a local food bank.

Healthy Hints

What are the best foods to eat at a holiday party?

Here’s the caloric content of some holiday favorites:

§ 1 shrimp and cocktail sauce= 8 to 10 calories

§ 1 carrot and dip = 10 calories

§ 1 (small) chocolate Santa = 25 calories

§ 1 stuffed mushroom = 40 calories

§ 1 mini quiche = 75 calories

§ 1 pig in a blanket = 90 calories

§ 1 peanut butter cup = 95 calories

§ 1 mini éclair = 100 calories

§ ½ cup of chocolate mousse = 290 calories

§ 1 slice of cheesecake = 400 calories

Stick to Your Budget at Holiday Time

2011-12-06T05:34:00.001-08:00

According to the American Psychological Association (APA), theleading cause of stress during the holiday season derives from money problems.To combat stress, smart shoppers incorporate the gift giving season into theirbudget each month and buy presents throughout the year. However, if you arelike most consumers, you have not planned ahead and may find yourselfstruggling for cash come January. Don’t despair though – proper budgeting andsmart shopping techniques will help you stay within budget while findingsomething special for everyone on your list.

Holiday Budgeting Techniques

§ Check your shopping list and make sure that everyone you are buyingfor needs a gift. If you’re budget is tight, buy only for close family andfriends.

§ Write down a maximum dollar amount that you want to spend for yourentire list and then track how much you are actually spending.

§ Buy items in bulk so you always have something little on hand forunexpected gifts.

Consider a case of wine, candles or chocolates.

§ Be realistic about your purchases and ask yourself the following:Can I really afford this gift? Do I have the cash in my bank account to pay forit? When shopping, leave your credit cards at home. Then, if you do not havethe cash to pay for it, you can’t buy the gift.

§ Consider staying home and shopping online. Not only do manyretailers waive shipping fees during the holidays, you’ll save money on gas bynot having to visit the mall, too.

§ Take advantage of post-holiday sales on gifts for next year.

§ Get a part-time job during the holidays, such as wrapping gifts atthe local mall or being part of the Christmas display. This will increase yourholiday budget and get you into the spirit.

§ Consider opening a holiday savings account. You can makearrangements for automatic payroll deductions throughout the year to befinancially fit when the shopping season hits.

Plan Ahead

Aside frommoney problems causing Americans stress during the holidays, the APA found that61 percent of consumers cite lack of money, pressures of gift giving and creditcard debt as major stressors.

Instead ofworrying about these money-related problems, get your finances in order andspend time worrying about what color to frost your holiday cookies instead!

Holiday Decorating Safety

2011-12-02T06:37:00.001-08:00

Holiday decorations add beauty to your home and make the season more festive. To keep your family and your home safe during the holiday season, remember these decorating safety tips:

§ Make a 1- or 2-inch diagonal cut from the trunk of a Christmas tree before placing it in a water-holding stand. This will allow the tree to collect water more easily. The stand should also have widespread legs and water in it at all times to reduce the risk of fire.

§ Place the tree at least 3 feet away from a heat source in your home.

§ Always buy lights and other electric decorations bearing the name of an independent testing lab, such as UL. When using them, follow the manufacturer’s instructions for installation and maintenance.

§ Inspect new and previously used lights for damage and throw away any that are broken.

§ Do not connect more than three sets of lights to one extension cord.

Unpluglights and blow out candles when going to bed or leaving your home. Also, watchkids and pets around candles and lights.

Turkey Fryer Safety

2011-11-23T06:14:00.001-08:00

This video pretty much explains why UL has declined to give their
seal of approval to turkey fryers.

for more information visit their web site
http://www.ul.com/global/eng/pages/offerings/perspectives/consumer/productsafety/turkeys/

You Had An Auto Accident, Now What?

2011-11-16T13:32:00.001-08:00

Insurance Agent______________________________Phone#_______________________

Insurance Carrier_____________________________

Auto Policy #_________________________________

Insurance Claims Phone #______________________

Auto Claims

Inthe event of an accident:

1. Report theaccident to the police.

2. Obtaininformation about the other people involved in the accident such as:

Names, addresses, and phone numbers;
Insurance company;
Type of vehicle; and
Auto and drivers license numbers.
Take photos if possible.

3. Have your vehicletowed to the nearest repair shop if the vehicle is not drivable. Do notauthorize repairs until the claims adjuster gives you the authority to do so.

4. Call your insurance agent to reportthe accident.

Inthe event of a windshield, vandalism, or theft loss:

1. Report thevandalism loss or theft to the police.

2. Call your insurance agent to reporta loss.

After your insurance agent reports the claim to the insurance company, the claims adjuster will:

1. Contact you torequest details of the accident and repair estimates.

2. Arrange for anappraiser to inspect the damages of vehicles that are not drivable orextensively damaged.

3. Contact you for asettlement.

4. Deal directlywith the others involved in the accident.

Youshould not talk to others involved in the accident, but refer them to yourclaims adjuster.

PRINT A COPY AND KEEP IN YOUR GLOVE BOX IN CASE OF ACCIDENT

Friedman Associates Insurance News

Insurance industry

Divorce and Your Insurance

2011-11-16T12:41:00.001-08:00

Don’t make themistake of overlooking your insurance needs when going through a divorce. Thelack of adequate insurance for yourself, your children, and even your spousecan lead to financial ruin. We’vegathered some important things to consider when going through this stressfultime.

While going through adivorce, you need to reassess your finances. To start, you should:

• Review all insurance policies in place duringthe marriage

• Decide which policies you still need

• Decide how health insurance for all familymembers will be provided for

• Decide what additional coverage is needed

HEALTH INSURANCE – HealthInsurance coverage should be covered in the final divorce decree. Who pays forwhat should be clearly stated so that there is no confusion. If you havechildren, it is imperative that an agreement is reached as to who will providecoverage. Usually whoever had the coverage for the children prior to the divorcewill continue that coverage. Who is responsible for unreimbursed medicalexpenses should also be addressed.

If youhad medical coverage through your spouse’s employer-sponsoredhealth plan, you may be allowed to continue that coverage for up to 36 monthsunder COBRA. If you do qualify, coverage is not automatic. You must contact theemployer within 60 days of the divorce and complete the necessary paperwork. Ifyou do not qualify, youshould consider a standard health insurance policy or, at a minimum, a policythat would protect you in the event of a major medical emergency.

LIFE INSURANCE – Youshould review your Life Insurance policies and make sure that they still meetyour needs. You may also want to change beneficiaries at this time. Make surethat your ex-spouse carries coverage and that you are named as a beneficiary ifyou depend on their income for support. Check with your attorney before makingany beneficiary changes. Now might also be a good time to increase your policy.Who carries Life Insurance, the amounts of the insurance, named beneficiaries,and accrued cash values should all be provided for in your divorce decree.

DISABILITY INSURANCE – Thispays a monthly benefit in the event that youbecome disabled and are unableto work. If alimony or child support is ordered, it’s especially important ifthe payer has no other sources of income to continue to make those payments.Consider what your needs would be in the event that you became disabled. We canhelp you determine specifically what type of insurance and the amounts you needto best protect your interests.

HOMEOWNERS AND RENTERS INSURANCE – Thesepolicies protect your residence and the contents from damage or theft. If onespouse remains in the residence, they will want to make sure that they changethe Homeowners Insurance policy to their name only and review their coverage.As a single parent, we recommend Replacement Cost coverage, which willreimburse you for what it would cost to replace an item. Also, opting for ahigher deductible will help you save money on your premium.

AUTOMOBILE INSURANCE –Automobile Insurance covers damage to your vehicle and damage that you maycause with your vehicle. Inform your insurance agent if you are separating ordivorcing. Separate policies may be required if you and spouse are not livingunder the same roof. When you divorce, you will need to remove your spouse fromyour insurance policy. As a single person, you may now find options liketowing, rental reimbursement, and roadside assistance beneficial.

UMBRELLA INSURANCE and LONG-TERM CARE INSURANCE are additionalcoverages you may want to consider.

HELPFUL TIP – Avoid post-divorce credit problems byclosing all joint accounts.

Our Capabilities

Securing a strong financial future begins with planning. Ourteam of insurance experts will help you to secure your financial future whengoing through a separation or divorce.

Contact us today to learn more about how we can help you secureyour health, life, disability, home, and automobile insurance needs.

This Everyday Insurance Insight is provided for informational purposes only. The informationprovided herein is not intended to be exhaustive, nor should it be construed asadvice regarding coverage. Eligibility for coverage is not guaranteed andall coverages are limited to the terms and conditions contained in theapplicable policy. Content © 2008-2009Zywave, Inc. Source: The National Association of InsuranceCommissioners.

Stock Up on Emergency Roadside Essentials

2011-11-16T12:25:00.001-08:00

Close your eyes and picture this scenario: You are driving late atnight on a country road and your vehicle becomes hard to control. You pull offto the side and notice that you have a flat tire. What should you do now? Well,if your vehicle is equipped with a roadside emergency supply kit, you will haveall that you need at your fingertips to get back on your journey in no time!

Emergency Supply Kit Necessities

Include thefollowing items in your roadside emergency supply kit:

§ 12-foot jumper cables

§ Four 15-minute road flares

§ Two quarts of motor oil

§ One gallon of antifreeze

§ First-aid kit (equipped with bandages, gauze, gloves, adhesivetape, antiseptic wipes, instant ice and heat packs, scissors and a painreliever)

§ Blanket

§ Flashlight and extra batteries

§ Extra fuses

§ Flat head screwdriver

§ Philips head screwdriver

§ Pliers

§ Vice grips

§ Adjustable wrench

§ Tire inflator

§ Tire pressure gauge

§ Rags/paper towels

§ Duct tape

§ Spray bottle containing washer fluid

§ Pocketknife

§ Ice scraper

§ S.O.S. banner

§ Non-perishable energy bars

§ Bottled water

Though this list may seemexcessive and a waste of useable space in your trunk, all of the items willassist you in different types of emergencies. We advise you to use this list asa guide and customize your own kit based on your family’s and car’s needs.

Contact us today to also learnmore about our towing and road service coverage... making roadside assistancejust an e-mail away!

Breakdown Safety Basics

2011-11-16T12:15:00.001-08:00

No one ever plansto have their car break down, but you can plan ahead to deal with one safely.Read on to learn about some helpful hints to help you remain safe andinjury-free should you get stuck on the road.

Car Trouble Safety Tips

If your carbreaks down, your safety should be your primary concern. Never get out of yourcar in the middle of a busy intersection or highway to change your tire orcheck on any damage. Instead, consider these safety tips:

§ Move your vehicle to a safe area before getting out to check ondamage or to make a repair. If you were involved in an accident, signal to theother driver to pull off to a safe spot too.

§ If your vehicle will not move and is not drivable, stay in yourvehicle and call for help on your cell phone instead of standing outside ofyour vehicle to flag someone down. If you do not have a cell phone, wait forsomeone to stop and assist you.

§ Carry flares or triangles in your car to mark your location in theevent that you have a breakdown. This will give other drivers some advancedwarning.

§ Always put on your hazard lights when you pull off to the side ofthe road on a major roadway.

§ If you get a flat tire or a blowout, move your car to a safe placebefore attempting to repair it. Though this may destroy your wheel, it couldsave your life because you will be out of harm’s way. Plus, the cost of a tire,rim or wheel is insignificant compared to the priceless cost of your life!

Don’t wait for arainy day to learn more about our auto insurance solutions, including RentalReimbursement and Towing Coverage. Contact us today for more information.

Getting a flattire is not uncommon and many people do not know how to repair a tirethemselves. If that describes you, consider asking a friend or family member toshow you how. This will save you the aggravation of having to wait for a towtruck to assist you or of learning on the fly.

This Everyday Insurance Insight is for informational purposesonly and is not intended as professional advice.

Effective Use of Your Company's GPS System Determines Its Risk Control Benefit

2011-11-16T10:10:00.001-08:00

Technology is only as good as how it is used and interpreted

I spoke with a woman the other day about using her company’sGPS system to reduce their fuel costs and increase driver safety. She explained that she no longer had the GPS feelingit was too expensive and they had gotten rid of it, she added that “no one usedit anyway”. I was surprised by herresponse.

A GPS system is agreat way to effectively monitor what your drivers are doing out on the road,and how they may be spending their time. They might be stopped for an extendedperiod of time when they should be driving, then might be speeding later tomake up for lost time. That costs yourbusiness in lost productivity and increased use of fuel.

With any piece of technology you have to interpret the datathat it provides, and then follow up with enforcement if procedures are notbeing followed. It would be similar tosomeone installing an expensive surveillance system and then never looking atthe video collected, and then complaining that they cannot control theft intheir business. GPS systems provideexcellent data and give you information on vehicle location, speeding, idling,and can assist with time keeping and vehicle maintenance issues.

There is a new program available for use with many of themost popular GPS systems that allows for additional information to be gatheredincluding braking, cornering, and information about weather conditions andtraffic flow. This new program allowsyou to examine each driver individually assigning a score for each of thembased on safe driving and the vehicles fuel usage. This score is an assessment of how often adriver exhibits risky driving behavior and can be expressed in second by seconddetails.

As a business owner you will receive daily e-mails whenrisky driving events have occurred like extreme speeding, braking andcornering. You’ll have a completepicture of your fleet, driver by driver to see how each one compares to thenext. This information can be invaluablein coaching drivers to improve their driving habits which, in turn, will help reduce fuel costs and vehicle maintenance.

I jokingly told the woman I spoke to that if her driversweren’t using their GPS units then to fire them, but to be serious why wouldsomeone not use it if they didn’t have something to hide? Right now our agency can offer you the addedbenefits of this new GPS program, installed on qualifying systems at noadditional cost to you. As an added benefit,this new program which will appear a new screen on your system can help loweryour insurance costs as well.*

So if you’ve made the investment in a GPS system for yourfleet and would like to try this new program with our compliments, contact us today.

I am interested in receiving additional information on how I can gain additional benefits from my existing GPS System to further reduce fuel costs and increase driver safety.

*Insurance discounts areavailable through Liberty Mutual Insurance Company and its affiliates.Eligibility is subject to meeting applicable underwriting criteria. Somebusiness classes are ineligible for coverage. Insurance discounts may vary based on applicable safety score and otherunderwriting criteria, and aresubject to additional rules on file in states where available. Offer only open to residents of Virginia, by our agency, atthis time.

How Teens Smuggle Booze Under Your Nose

2011-11-08T09:58:00.000-08:00

See how teens are fooling parents, teachers -- even cops!
And it's so potent they're getting drunk, sick and worse!
The Defenders reveal the secret!

http://www.clickondetroit.com/video/29384556/index.html

Banish Holiday Budget Stress

2011-11-06T12:05:00.000-08:00

It’s easy to feel overwhelmed as Thanksgiving morphs into the holiday season overnight. With parties to host, gatherings to attend and presents to buy, your pocketbook may feel the strain. Consider these suggestions to make the most of each dollar during this holiday season:

§ Establish a dollar limit for each person, and stick to it.

§ Shop online – many merchants offer special deals during the holidays and may offer free shipping. You’ll save gas going to and from the mall, too.

§ Use cash whenever possible to avoid hefty credit card bills come January.

§ Consider getting another job around the holidays. Many companies need seasonal employees during the holiday season, so that may be an easy way to make some extra money.

Try to make somegifts yourself, especially if you are particularly crafty and creative. Yourfamily and friends will appreciate your heartfelt gesture.

Friedman Associates Insurance News

Insurance industry

Scenes of the Fall Season

2011-10-31T08:07:00.000-07:00

Even though winter made an early appearance in the north this past
weekend, it's still fall here in Virginia. Fall is a great time of year to
take photos. Here are some I recently took in Winchester, VA at the
Virginia Farm Market and some others at the Virginia Beach Farmer's
Market this fall. There are a few from years past as well.

Halloween Safety

2011-10-24T11:00:00.000-07:00

Halloween is a wonderful time of year for children to express their creativity and use their imagination. Unfortunately, Halloween can also be dangerous for youngsters if parents do not take the proper precautions to protect their children. Here are some tips to help you do just that.

§ Do not let children wear costumes that are long, baggy or loose, as they are tripping hazards and are hard to walk in.

§ Choose costumes, wigs and accessories made from fire-retardant material.

§ Select brightly colored costumes so that motorists can see children as they trick-or-treat. Also, add strips of reflective tape to outfits and treat bags.

§ Buy face make-up that is labeled “FDA Approved” or “Non-Toxic” to avoid adverse allergic reactions.

§ Do not allow children under age 12 to trick-or-treat alone, and help older children plan out a safe route before they leave the house.

Instructchildren to never approach a car to accept treats.

Be Preventive with Your Care - Women

2011-10-07T06:14:00.000-07:00

Preventivecare, including regular doctor visits, can prevent the onset of many

potentially dangerous diseases. Women are particularly at risk of developing

problems in their reproductive organs and should make efforts to reduce their

risks by engaging in regular screenings, examinations and tests to detect

problems early on.

PreventiveCare Recommendations

§ Bone Density Test

o Women over age 65 should have routine bone density

teststo detect the risk of developingosteoporosis. This

disease makes the bones more fragile and likely to break.

o Women with an increased risk should have screenings

       beginningat age 60.
§ Blood Pressure
o   Women should have their blood pressure taken at least
       every two years to detect early signs ofhypertension
      (high blood pressure).
o   The longer high blood pressure goes undetected and untreated,
    thehigher the risk of stroke, heart attack,heart failure and
     kidney damage.
§ Cholesterol Screening
o   Women should have a cholesterol test every five years after age 20.
o   High levels of cholesterol raise the risk of heart attack andstroke.
§ Colorectal Cancer Screening
o   Women should have a colorectal screening to detect cancerous
    cells and growths in the inside wall of the colon after age 50.
o   Women who have a family history or colorectal cancer orinflammatory
    bowel diseaseshould have regular screenings earlier and/or more
    frequently than the average patient.
§ Mammogram
o   Women should have a mammogram every one to two years after age 40.
o   High risk women should talk to their doctors about start mammogramsat an
earlier age.
§ Pap Smears
o   Women should have their first screening Pap smear at age 21
o   Women in their 20s should have a Pap smear every two years
o   Women age 30 and over who have had three normal Pap smears in a row
should have a Pap smear everythree years
o   Pap smear screening can be stopped in women 65-70 years old whohave had
three or more normal Pap smearsin a row.
§ Pelvic Exams
o   Women who have been sexually active should have a pelvic exam everyone to
three years after having three consecutive normal exams to detect signsof illness.

It is also wise for women whoare thinking about trying to conceive to visit their
physician for a full check-up. At this time, the doctor can address any health
concerns that mayinhibit conception or may pose dangers to a baby once
conception occurs.

We’re here to help with all your life matters. Contact us today at

757-420-9600 and let us know how we can assist you.

To receive a copy of "Cancer Facts for Women" fill in the form below.

October is National Dental Hygiene Month

2011-10-04T10:17:00.000-07:00

The American Dental Hygienists Association web site has some helpful
information on taking care of your teeth and gums to prevent plaque-
associated diseases, such as cavities and gingivitis. The basics of
brushing regularly, flossing, and using an anti-microbial mouth rinse
are highlighted as well as other information on oral health care.
Visit this informative web site to learn more:

http://www.adha.org/ndhm/index.html

Health Literacy - Organ Donation

2011-10-01T10:30:00.000-07:00

October is health literacy month, so all month we will behighlighting some health

facts that you may not be aware of. The video below highlights the need for

organdonation and that no matter your age you can still be an organ donor.

With the population growing older, and withthe advances in medical care, people

can live longer with the help of donated organs. As one woman in the video points

out, “An old organ is better than no organ”.

Watch the video and then consider signing up to be an organ donor.

Editor note: The purpose of this post is to educate on heath issues.
In some cultures or religions organ donation is forbidden or
permitted only in cases where a living donor is able to donate.

Virginia Association of Volunteer Rescue Squads Convention

2011-09-26T08:20:00.000-07:00

We were out at the VAVRS Annual Convention this past week
(September 21st-24th, 2011).

Our agency has been working with both medical emergency and
non-medical emergency ambulanceservices throughout the state to
help provide affordable workers' compensation insurance. We have
an exclusive program, developed with one of our carriers, that provides
a pay as you go option to ambulance services that have been in business
at least three years.

Of course our agency still provides excellent insurance coverage options
to area businesses both large and small for both commercial and life/health
plans. We can also provide coverage for most personal needs including
homeowners, renters, auto, umbrella, flood and other specialty coverage
like classic cars.

For more information fill in the information
below and someone will contact you:
Or you can call us 8:30am-5:00pm Monday-Friday at 757-420-9600.

www.friedman-insurance.com
info@friedman-insurance.com

Car Seat and Booster Safety for Your Kids

2011-09-21T13:42:00.000-07:00

According to the National Safe Kids Campaign, motor vehicle crashes are the leading cause of unintentionalinjury-related death among children younger than 15 in the United States. Child safety seats, when installed and used correctly, can prevent injuries and save lives. In fact, young children who are properly restrained in car seats and booster seats have an 80 percent lower risk of suffering from a fatal injury compared to thosewho are unrestrained.

Child Safety Seat Usage

Child safety seats are not just a good idea, they’re the law. All 50 states and the District of Columbia requiresome form of special restraint to be used for young children. While regulations may be more lenient in your area, the following guidelines are based on the strictest of states laws and will provide the best protection foryour child.

Infants (Birth to 1 year and/or less than 20 pounds):

Use a rear-facing, infant-only seat. Seat should be secured to the vehicle by the seat belt or by using theLATCH system (strap system required on all child seats manufactured after Sept.1, 2002).

Infants (Less than 1 year and 20 to 35 pounds):

Use a convertible seat facing the rear of the vehicle.
Seat should be secured using the LATCH system.
Do not use this seat in the front of your vehicle where an air bag is present.
Child seat should be reclined at a 45-degree angle.
Harness straps should be at or below shoulder level.Toddlers (1 to 4 years old and at least 20 to 40 pounds):
Use a face-forward convertible seat, forward-facing only seat or high back booster/harness.
Seat should be secured using the LATCH system or safety belts.
Harness straps should fit at or above the child’s shoulders.
Child should be snug and the harness clip should be at armpit level.Young Children (4 to at least 8 years old, unless the child is at least 4 feet 9 inches tall):
Use a belt-positioning booster or high back belt-positioning booster.
Always use the lap and shoulder seat belt.
Use the booster in the back seat only.
Belt should rest across the child’s chest and on his/her shoulder.
Lap belt should rest across the lap or upper thigh area.

Safety First

Using a childsafety seat correctly is the key to keeping your child safe in case of anaccident. If the seat is not installed properly, it may not protect your childin a crash. However, it only takes one minute to check the seat before youstart the ignition.

Fall Prevention Safety

2011-09-19T06:32:00.000-07:00

While most falls in the home cause only temporary discomfort or minor injuries,there is always a chance that the worst could happen. Fortunately, most falls can beprevented by taking a few simple safety precautions. Familiarizing yourself with thesesafety tips will help you identify hazards and give you the chance to take proactivemeasures to reduce your risk of injury.

HomeHazards

• When standing up after sitting or lying down for a long period oftime, do you give yourself time to regain your balance before attempting to walk?

• Do you wear rubber-soled, supportive footwear or low-heeled shoeswhile walking around the house? Do your house shoes (slippers) fit properly onyour feet and have traction on the soles?

• Do you break down larger loads into smaller ones to make them moremanageable to carry?

• Do youavoid rushing to answer the telephone, doorbell or kitchen timer?

• Do you usea step stool instead of a chair to grab items out of reach?

• Can youturn on lights without having to walk through a dark room?

• Do chairsin your home have armrests to allow you to help get up and down?

•       Are rugsand runners secured with carpet tape or non-skid backing?
•       Do you usenon-skid wax to polish your floors?
•       Do you putaway clutter and keep walkways clear of electrical cords, toys and furniture?
•       Do youkeep a flashlight within reach of your bed and a nightlight that lights a pathto your bathroom from your bedroom?
•       Do youhave rubber mats or non-skid strips in your shower or bathtub? Do you have agrab bar on the wall of your bathtub?
•       Are allbathroom tiles securely installed and free of cracks?
•       Can youreach items in your kitchen easily?
•       Is thelighting adequate in your kitchen, especially where you use knives most often?

Safety First

If you livealone, it is wise to make contact with a friend, family member or co-workerevery day. That way, if you do get injured at home and cannot call for help,someone will know to check on you when they have not heard from you.

National Farm Safety Week - Sept 18 - 24th

2011-09-18T10:00:00.000-07:00

This video, produced in Canada, is a good way to learn about some

of the hazards of farming. Take the video quiz to learn more about

the dangers you should be aware of around the farm. What you

learn can be applied to safety on any farm regardless of where it is

located.

Agriculture is Virginia’s largest industry.
Virginia has more than 47,000 farms.
About 90 percent of Virginia farms are owned and operated by individuals or families.
Approximately 14 percent of Virginia’s primary farm operators are female.
Production agriculture employs nearly 60,000 farmers and workers in Virginia.
Farms cover 8.1 million acres, or 32 percent of Virginia’s total land area.

Source -Virginia Dept. of Agriculture and Consumer Services

National Child Passenger Safety Week - Sept 18-24th

2011-09-18T09:00:00.000-07:00

Here are some videos that explain the proper way for children

to be secured when riding in the car. Proper restraint systems,

like car seats or booster seats, are needed from infancy up to

age 12, then seat belts should be worn.

Parents remember to set a good example by always using your

seat belt when driving. Be a safe and secure driver

and protect yourself and those you love.

Understanding the Waiver of Subrogation in Your Contracts

2011-09-14T12:55:00.000-07:00

A waiver of subrogation, otherwise known as transfer of rights recovery, is often required in many construction contracts. You’ve probably seen the term before, but do you know what it means for your business?

Subrogation is your right, and therefore your insurance provider’s right, to recover the costs of a claim if it was caused by a third party. Let’s say that a third party causes damage to your business that’s covered by your insurance. When your insurance provider pays your business for the claim, your insurance provider can step into your shoes and has the rights to recover the costs of the claim from the third party who was at fault.

If you had a contract with the third party that included a waiver of subrogation, your insurance provider wouldn’t be able to recover the costs from the paid claim. The waiver gives up the right of your insurance provider to recover the cost of the loss from the third party if the damage is covered by insurance. In other words, the risk of loss gets shifted to the insurer regardless of which party is at fault and your insurer wouldn’t be able to sue the third party.

In the event of a workers’ compensation claim, a waiver of subrogation can be complex. Imagine that your business is subcontracting for another company. An employee from your company gets injured, due to the fault of an employee of the other company (a third party). Your company is obligated to pay workers’ compensation benefits, but without a waiver of subrogation, you, or your insurance company, can bring a lawsuit against the at-fault third party, along with or in place of the injured employee, for the costs that your insurance provider has paid or will pay for the claim. Recuperating these costs can help protect your experience mod and your future insurance premiums. However, with a waiver of subrogation, your company and insurance provider cannot recoup the costs, negatively affecting your mod and premiums for the future.

The inclusion of such a clause in a contract is meant to minimize lawsuits and claims among the parties of a contract. Waivers of subrogation are commonly added to an insurance policy for an annual fee; although they can also be endorsed separately in the instance it is required by a contract.

Call Friedman Associates for more information about waivers of subrogation and other contract exposures.

Sticky Situation: Can You Terminate an Employee on Workers’ Compensation?

2011-09-14T12:50:00.000-07:00

Terminating an employee while they are on workers’ comp leave, or shortly after they return, is a tricky topic. The situation needs to be handled delicately and thoroughly, making sure that all of your bases are covered. Otherwise, you could face litigation stemming from accusations of retaliatory discharge.

First of all, is it legal to fire a worker while they are on worker’s compensation? The answer is yes, as long as the reason for termination is unrelated to the employee’s workers’ comp claim. It is illegal to fire a worker because they invoked their right to workers’ compensation. That is known as retaliatory discharge.

As an employer you need to determine if firing this employee, whether it be while they are still on leave or shortly after they return to work, is a priority. Even if you have a valid and documented reason for firing the employee, most often believe that the reason for their firing is their worker’s comp claim.

The employee can file a complaint against your company for retaliatory discharge if they suspect that is the reason for their firing. To fight a claim of retaliatory discharge the burden is on you to prove that firing the employee was not motivated by the claim and/or a “business necessity,” something that isn’t always easy to do if there hasn’t been thorough documentation of other reasons for firing, such as continued poor job performance.

Additionally, closing a workers’ comp claim for an employee that is no longer with the company may be more difficult. A terminated employee continues to be eligible for all benefits until the doctor certifies that they would be able to return to work. If they are terminated, an employee may try to drag out their claim by causing their rehabilitation to go slower.

Take steps to prevent finding yourself in the position of needing to fire an employee on workers’ compensation and not having the evidence to support the termination. Make sure that your company has a policy in place for documenting poor performance and notifying employees with warnings.

Keep Off-Site Workers in Mind

2011-09-14T12:45:00.000-07:00

Wellness and safety programs can help improve the health and safety of employees in the workplace, saving employers money by reducing both health care and workers’ compensation costs. But what about employees who work from home or off-site? Are they able to participate and take advantage of the benefits of these programs?

The health and safety of employees who telecommute is just as important as the well-being of the employees who are under your roof every day. Even though many of these workers have low-risk “desk jobs,” employers should still be concerned with their wellness.

A work-from-home employee in New Jersey often sat for long periods of time without breaks from her desk. After working from at least midnight until 10 a.m. to meet a project deadline, the worker died of a blood clot that formed in her leg and travelled to her lungs. Even though she possessed other risk factors such as obesity, the court ruled that her husband is entitled to workers’ compensation benefits because the clot developed while she was working and because her inactivity caused by her job was greater than her inactivity during the rest of her normal daily activities. This worker was not utilizing healthy and safe practices during her working hours.

The best way to ensure that a work-from-home or off-site employee is working safely is to have a representative, either a manager or someone from HR, make a visit to their work location. Seeing their work environment firsthand will give employers a better idea of any risks that are present. Work habits and routines should also be monitored. The supervisor of the woman from New Jersey should have noted that she often had to spend extended amounts of time without leaving her desk and suggested that she take more frequent breaks.

After making an off-site work location visit, make recommendations to correct any issues. If an employee is utilizing a poorly constructed chair, offer to supply a chair that will provide better ergonomics. Follow up by involving them in any wellness initiatives the company is sponsoring. Send them wellness tips that apply specifically to their work environment.

For more off-site worker risk management resources, contact Friedman Associates today.

Is Going “Green” Right for Your Fleet?

2011-09-14T12:31:00.000-07:00

With the ever-rising cost of fuel, alternative fuel vehicles are a popular choice to help save long-term fleet costs, as well as reduce company environmental impact. Alternative fuel options are available in a number of vehicles including sedans, SUVs, vans, pickup trucks, dump trucks, carts, forklifts and more. But what do “green fleets” mean for fleet risk?

Some insurance carriers are now offering discounts on covering alternative fuel and hybrid vehicles. However, the premiums for alternative fuel vehicles tend to be higher to begin with.

The more expensive premiums for alternative fuel vehicles are due to higher expected costs of repairs for the more complex technology that alternative fuel vehicles contain.

When exploring alternative fuel vehicle options, be sure to consider the following:

• Higher initial investment – Alternative fuel and hybrid vehicles usually cost more to purchase because of their advanced technology, but they also often include “luxury” options like GPS systems.

• Alternative fuel supply – More and more alternative fuel stations are becoming available across the country. However, if vehicles travel, fuel availability needs to be examined.

• Increased insurance cost –Alternative fuel vehicles are still relatively new so fewer mechanics are educated and equipped to repair them currently. This causes an increase in insurance premium costs because of higher potential repair expenses. Although, cost differences should level out as alternative fuels become more common.

September is National Preparedness Month

2011-09-07T07:01:00.000-07:00

September is National Preparedness Month

Being prepared can save your life or the lives of those you love. Be ready for

unexpected events, storms, accidents, or crime. The steps you take today can

make a big difference. Being prepared means gaining the knowledge of what

you may need to do, how to do it, and the supplies you may need. It requires

making a plan in the event that you are faced with something unforeseen.

September is National Alcohol & Drug Recovery Month

2011-09-07T06:50:00.000-07:00

Celebrate those who have broken free of addiction

and have gone on to live more productive and fulfilling lives.

Recovery Month promotes the societal benefits of treatment for

substance use and mental disorders, celebrates people in recovery,

lauds the contributions of treatment providers, and promotes the message

that recovery in all its forms is possible. Recovery Month spreads the positive

message that behavioral health is essential to overall health, that prevention

works, treatment is effective and people can and do recover. - SAMHSA website

http://www.recoverymonth.gov/Community-Events/Community-Event-PSA.aspx

Eye Safety & You

2011-09-01T13:35:00.000-07:00

September is Sports & Home Eye Safety Month.
Although the tips in this article pertain to workplace
injuries and accidents it's important to be safe when
doing tasks around the home. Something as simple
as hammering a nail in a wall can result in eye injury.
Be sure to wear eye protection whenever there
is a danger of something getting into your eye.

Every day, around 2,000 peoplesuffer eye injuries in the workplace. However, OSHA estimates that 90 percentof such accidents could be prevented through the use of proper protectiveeyewear. To do your part, make sure you always wear the right kind of eyeprotection for the job you are performing.

Proper fit is essential formaximum protection. Safety glasses should rest firmly on top of the nose and closeto, but not against, the face. Don’t let uncomfortable, foggy orsight-restrictive safety glasses or goggles keep you from wearing the propereye protection. Experiment - there are many styles and sizes available.

Don’t become a statistic. Takea moment to determine eye hazards in your workplace so you can take the properprecautions to prevent injury.

School Bus Safety

2011-08-31T13:30:00.000-07:00

Being extra cautious around a school bus isa necessity since the cargo on board is priceless. Remember these tips whiledriving near those big yellow buses:

· Be prepared to stopwhen you see the bus driver turn on the flashing red lights and raise the stopsign; a passenger is getting off.

· Never pass a stoppedschool bus that is unloading students.

· Remember that busesstop at railroad tracks so keep your distance as you approach them.

Obey speed limits inschool zones and give school buses the right-of-way

Clothes Dryer Safety Tips

2011-08-31T12:24:00.000-07:00

The U.S. Consumer Product Safety Commission (CPSC) estimates that there are over 15,500 fires annually from clothes dryers. This is no surprise considering that 80 percent (81.5 million) U.S. residences have this convenience in their home. Unfortunately, these fires account for scores of personal injuries and cause millions in property damage each year. We know you don’t want to give up your dryer, so we’ve gathered some simple things you can do to protect your home and family from clothes dryer hazards.

Causes of Fire

Lack of maintenance is the number one reason for dryer fires, according to Underwriters Laboratories (UL), a respected product testing organization. When consumers do not clean the lint traps or vent systems, they are running risk of fire. This is due, in part, to lint buildup in the screen or other areas around the dryer, which reduces air flow. This causes the dyer to work poorly, operate at higher temperatures and potentially overheat.

Consumers are also at risk if they place items in dryers that are not meant to be dried, such as foam-backed rugs and athletic shoes.

Dryer Do’s and Don’ts

§ Clean the lint filter before and after each load of laundry. Also do not forget to clean the area behind the dryer where lint can get trapped as well.
§ Hire a qualified service technician to clean the interior of the dryer and venting system on a periodic basis. Should you notice that it is taking your dryer longer to dry your clothes, clean the vent system immediately to ensure that air flows properly through the unit.
§ Replace plastic or vinyl exhaust hoses with metal venting.
§ Do not dry clothing or fabrics that contain flammable solutions such as alcohol, cooking oils, gasoline, spot removers and dry cleaning solvents. These substances give off vapors that can ignite and explode. Instead, wash the garments or fabrics first to remove the solutions and then dry them.
§ Read the manufacturer’s instructions carefully and follow all of the safety instructions.
Call us today to learn more about all the ways we can help you to protect your home and its contents.

Safety First

The CPSC, UL and the Home Appliance Manufacturers work together to reduce the number of dryer fires. In recent years, the UL has changed its standards for electric dryers to recommend that consumers not only clean lint traps regularly, but also the lint from around the lint screen and routing wiring. For more information on dryer maintenance, visit http://www.ul.com/.

Dealers’ Open Lot Coverage

2011-08-30T13:12:00.000-07:00

Dealers’ Open Lot, also known as Auto Physical Damage Coverage, provides physical damage coverage for vehicles owned by a dealership. As an important part of Garage Insurance, it is different from General Liability or Business Property Insurance. Dealerships are unique types of businesses, and Dealers’ Open Lot policies are tailored for the specific risks involved. Each insurance company’s interpretation will vary, so work with Friedman Associates to be clear on all the provisions of your policy.

Vehicles covered may include private passenger vehicles (autos, pickups, minivans, SUVs, etc.), RV units and other autos that are in a dealer’s inventory and are held for sale. Coverage is usually provided for used, new, demonstrators or service vehicles. Most insurance companies require that dealers insure 100 percent of the value of the inventory. There are two options to establish the value for this type of coverage:

Monthly reporting requires the dealer to send the insurance carrier a monthly report with the exact dollar value of the vehicle inventory. This option is typically used to insure inventories with value more than $1,000,000.
Non-reporting requires the dealer to state the maximum value of the inventory on the date the policy starts. For this option, it is important to pick the value of the inventory at its highest peak to avoid a coinsurance penalty. What is the Coinsurance Clause? Insurance companies generally require that dealers insure 100 percent of the value of their inventories. If you insure less than this, they will only pay a corresponding percentage of your claim. For example, if the value of your inventory is $200,000 and you insure it at $100,000, the insurance company is only required to pay for 50 percent of your claim. To be sure this doesn’t happen to you, check your limit each month. It is tempting to think that when you have a certain amount of inventory insurance, and when a claim arises that is less than the amount of insurance you carry, you will collect the amount of the claim less the deductible. Instead, the most that will be paid for a loss to any single auto is the lesser of the actual cash value of the damaged or stolen property, the wholesale value of the property, the cost of repairing or replacing the damaged or stolen property or the limit indicated as the most that will be paid for any single auto.
Limit per Unit, in Transit and Other Locations It is important to ensure that the limit per vehicle – which is the maximum amount the insurance company will pay for each vehicle in the event of a loss – is high enough to avoid excessive loss in the event of a claim. The standard per-vehicle limit on the policy may be much lower than the value of each of your vehicles, so be sure to examine this value to ensure it is appropriate. Similarly, the in-transit limit may be too low if you have a portion of your inventory off site. Even when 100 percent of the value of the inventory is covered, the limit per vehicle applies. What is Covered? Dealers’ Open Lot coverage is generally divided into two parts.
Collision coverage pays for damage to a covered auto’s collision with another object or its overturn.
Losses other than collision that are covered depend on the policy, and may include one of the following sets of inclusions. Be sure to read your policy to clarify specifics. • Comprehensive provides coverage to a covered vehicle from any cause of loss except collision with another object or overturn. • Specified Causes provides coverage to a covered vehicle or its equipment caused by fire, lightning, explosion, theft, windstorm, hail, earthquake, flood, mischief, vandalism or the the sinking, burning or derailments of any conveyance transporting the covered vehicles. • Fire and Theft provides coverage to a covered vehicle or its equipment caused by lightning, explosion or theft. • False Pretense provides coverage to a covered vehicle caused by someone who causes the dealer to voluntarily part with a covered auto by trick, scheme or under false pretense. It also covers the dealer acquiring a vehicle from a seller who did not have clear and legal title. An example of a false pretense claim is a test drive where the driver does not come back. Most policies exclude false pretense, although it can be bought back.

Dealers’ Open Lot provides only physical coverage. A comprehensive Garage Liability policy will protect your dealership against liability exposure.

Contact Friedman Associates for more information.

Risk Insights is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice. Content © 2011 Zywave, Inc. All rights reserved.

Avoid Extended Warranty Traps

2011-08-30T13:05:00.000-07:00

In recent months, the Federal Trade Commission (FTC) has investigated and filed suits against vehicle service contract providers for misleading sales tactics and unethical business practices. In response, consumers also need to remain guarded when considering a purchase of one of these contracts (also known as an extended warranty).

Vehicle Service Contract Cautions

Though an extended warranty can be a great way to save money as your vehicle ages and needs repairs, the wrong contract can create an even bigger headache. Viable contracts aim to protect consumers as their vehicles age from the high costs of repairs, yet some companies aim to swindle potential customers with faulty promises.

Consider the following before purchasing a vehicle service contract:

§ Is the contract easy to comprehend? Read the contract before purchasing and make sure that you fully understand the scope of the coverage. This should be clearly outlined within the agreement.

§ Are the coverage terms and limits applicable to your situation?

o Do the term and mileage restrictions coincide with how long you plan to own the vehicle?

o Are you comfortable with the deductible?

o Does the company offer any additional benefits to their coverage (Rental Car Insurance, Trip Interruption Insurance, etc.)?

o Can you cancel the contract if you sell the vehicle or want to terminate it? If so, what penalties and refunds are applicable?

§ Which company is providing coverage? Consider providers that deal with reputable insurance companies who are licensed with an “Excellent” rating from A.M. Best Co. (rating agency for the insurance industry). Visit www.ambest.com for more information.

o Look for companies that have been in business for many years and have a loyal customer base.

§ What is the process for receiving coverage benefits? Reputable companies will make the repair process simple for their consumers.

o Are there restrictions on where repairs can take place?

o How are claims paid?

Our firm wants to help you make cost-saving decisions. Give us a call today to learn about all of our insurance services.

Before making an extended warranty purchase, make sure you are fully comfortable with the provider. They should be nationally-recognized and have demonstrated a firm commitment to their customers for many years.

Also, do not get duped by a low price. If it seems too low for the amount of coverage that you will be receiving, the contract is probably too good to be true!

Customized Vehicles Coverage

2011-08-29T13:16:00.000-07:00

Before you customize your vehicle, it’s best that you customize your automobile policy, too.

If you’re one of those people who enjoys getting more out of his/her car than just getting to your destination, you should be aware that any customizing that you do to your vehicle impacts your auto policy, too. Before you add custom paint and body work, it’s best that you customize your auto policy.

Custom parts and equipment coverage

A basic auto policy’s collision or comprehensive policy provides insurance only for the original equipment included by the manufacturer. If your vehicle has special equipment or permanently installed custom parts that alter its appearance or performance, optional Custom Parts and Equipment coverage may be for you. Special equipment includes:

§ Customized paint or decals

§ Customized wheels, spoilers, suspensions or performance-related equipment

§ Stereo or television equipment

§ Running boards, roll bars or brush bars

§ Undercarriage lighting

§ Bed liners, camper shells and trailer hitches

Within the limits that you select in your policy, Custom Parts and Equipment coverage reimburses you for the actual cash value, the declared value or the actual cost to repair, whichever is lowest.

Keep in mind, every car has a standard book value, which is used to calculate the pay-out in the event of a total loss. You should know that insurance payments reflect what a car would be worth at the time of the loss, not what was paid for it, so the cost for modifications may be difficult to recoup in the event of a total loss.

Riding around in style is enjoyable but carries additional risks. Before making any modifications, make sure the work you’re doing does not compromise the safety of your vehicle. If you are in an accident, and the car is deemed unsafe due to non-factory reasons, your coverage may be void. Don’t be caught without coverage – check with us first!

The bottom line

Before you purchase those specialty rims or customize your grille, we can help you determine your best coverage options to keep your customized ride covered. Call Friedman Associates today at 757-420-9600 to learn more about all of our insurance solutions for your auto, home and life.

Top Ways to Save on Your Auto Premium:

§ Consider raising your deductible

§ Keep up your good driving record

§ Drive less to qualify for a low-mileage discount

§ Drive a car with safety features such as anti-lock brakes, airbags, etc.

§ Install an anti-theft device

§ Ask about our multi-policy discounts

The Basics

An automobile policy is designed to provide you a level of protection against property, liability and medical costs if you are involved in an accident. Optional Custom Parts and Equipment coverage ensures that your customized details are covered, too.

Disclaimer: This information is provided for informational purposes only. The information provided herein is not intended to be exhaustive, nor should it be construed as advice regarding coverage. Eligibility for coverage is not guaranteed and all coverages are limited to the terms and conditions contained in the applicable policy. Content © 2008 Zywave, Inc.

Own a vehicle in Virginia? Use the link below to get a quote

Be Smart After A Storm Has Passed

2011-08-29T10:04:00.000-07:00

Once a storm has past you may find that you are without electric. In fact the electric may have gone out during the storm while you were in the process of doing something like cooking. When power is restored the stove will come back on posing a fire hazard. Be aware of these risks, especially if you do not anticipate being home when power is restored.
While power is out many turn to the use of generators for backup power. You need to be familiar with the manufacturer’s directions for use and follow the instructions closely. Be careful handling and dispensing and storing gasoline used to power generators. Do not operate indoors, inside a garage, shed, basement or other enclosed structure. Even if windows are left open this will not be adequate enough to prevent the buildup of carbon monoxide gasses. Follow directions for using cords and plugs, extension cords should be free from damage and rated for outdoor use. If you are insure as to how to properly use a generator consult a licensed electrician. Your generator size will determine what it will be able to power, do not expect it to power your entire home, all its appliances and lights.
Many states building codes require the use of hard wired smoke detectors; if you do not have power you may not have smoke detectors either. Some smoke detectors do have battery backup, but you should consider using both electric and battery powered detectors in cases where power goes out.
Try to use flashlights and battery powered lanterns to provide light instead of candles. If you do use candles make sure they are not left unattended and are extinguished when leaving the room or going to sleep. Jar candles or candles inside a glass or ceramic container are preferable to candlesticks that can easily topple over. Candles should be used to provide light for a room and not carried from room to room.
Do not use camp stoves, gas or charcoal grills indoors these can produce carbon monoxide which can quickly become lethal. Watch children and pets around any cooking device so that they do not become burned or cause the device to topple over.
Use caution when inspecting for damage around your home. Wear protective foot wear and gloves. Exercise caution when using hand or chain saws to cut fallen trees or limbs. Many surfaces will be wet and slippery after a storm, including roofs and ladders. Clean up and repairs should be made once the storm has passed and things have dried out.

Adapted from: Lessons Learned from Hurricane Isabel - Newport News Fire Department

Consider the Category of the Storm in Making Preparations

2011-08-24T10:00:00.000-07:00

Category One Hurricane - 74-95 mph sustained wind

Very dangerous winds will produce some damage

People, livestock, and pets struck by flying or falling debris could be injured or killed. Older (mainly pre-1994 construction) mobile homes could be destroyed, especially if they are not anchored properly as they tend to shift or roll off their foundations. Newer mobile homes that are anchored properly can sustain damage involving the removal of shingle or metal roof coverings, and loss of vinyl siding, as well as damage to carports, sunrooms, or lanais. Some poorly constructed frame homes can experience major damage, involving loss of the roof covering and damage to gable ends as well as the removal of porch coverings and awnings. Unprotected windows may break if struck by flying debris. Masonry chimneys can be toppled. Well-constructed frame homes could have damage to roof shingles, vinyl siding, soffit panels, and gutters. Failure of aluminum, screened-in, swimming pool enclosures can occur. Some apartment building and shopping center roof coverings could be partially removed. Industrial buildings can lose roofing and siding especially from windward corners, rakes, and eaves. Failures to overhead doors and unprotected windows will be common. Windows in high-rise buildings can be broken by flying debris. Falling and broken glass will pose a significant danger even after the storm. There will be occasional damage to commercial signage, fences, and canopies. Large branches of trees will snap and shallow rooted trees can be toppled. Extensive damage to power lines and poles will likely result in power outages that could last a few to several days. Hurricane Dolly (2008) is an example of a hurricane that brought Category 1 winds and impacts to South Padre Island, Texas.

Category Two Hurricane - 96-110 mph sustained wind

Extremely dangerous winds will cause extensive damage

There is a substantial risk of injury or death to people, livestock, and pets due to flying and falling debris. Older (mainly pre-1994 construction) mobile homes have a very high chance of being destroyed and the flying debris generated can shred nearby mobile homes. Newer mobile homes can also be destroyed. Poorly constructed frame homes have a high chance of having their roof structures removed especially if they are not anchored properly. Unprotected windows will have a high probability of being broken by flying debris. Well-constructed frame homes could sustain major roof and siding damage. Failure of aluminum, screened-in, swimming pool enclosures will be common. There will be a substantial percentage of roof and siding damage to apartment buildings and industrial buildings. Unreinforced masonry walls can collapse. Windows in high-rise buildings can be broken by flying debris. Falling and broken glass will pose a significant danger even after the storm. Commercial signage, fences, and canopies will be damaged and often destroyed. Many shallowly rooted trees will be snapped or uprooted and block numerous roads. Near-total power loss is expected with outages that could last from several days to weeks. Potable water could become scarce as filtration systems begin to fail. Hurricane Frances (2004) is an example of a hurricane that brought Category 2 winds and impacts to coastal portions of Port St. Lucie, Florida with Category 1 conditions experienced elsewhere in the city.

Category Three Hurricane - 111-130 mph sustained wind

Devastating damage will occur

There is a high risk of injury or death to people, livestock, and pets due to flying and falling debris. Nearly all older (pre-1994) mobile homes will be destroyed. Most newer mobile homes will sustain severe damage with potential for complete roof failure and wall collapse. Poorly constructed frame homes can be destroyed by the removal of the roof and exterior walls. Unprotected windows will be broken by flying debris. Well-built frame homes can experience major damage involving the removal of roof decking and gable ends. There will be a high percentage of roof covering and siding damage to apartment buildings and industrial buildings. Isolated structural damage to wood or steel framing can occur. Complete failure of older metal buildings is possible, and older unreinforced masonry buildings can collapse. Numerous windows will be blown out of high-rise buildings resulting in falling glass, which will pose a threat for days to weeks after the storm. Most commercial signage, fences, and canopies will be destroyed. Many trees will be snapped or uprooted, blocking numerous roads. Electricity and water will be unavailable for several days to a few weeks after the storm passes. Hurricane Ivan (2004) is an example of a hurricane that brought Category 3 winds and impacts to coastal portions of Gulf Shores, Alabama with Category 2 conditions experienced elsewhere in this city.

Category Four Hurricane - 131-155 mph sustained wind

Catastrophic damage will occur

There is a very high risk of injury or death to people, livestock, and pets due to flying and falling debris. Nearly all older (pre-1994) mobile homes will be destroyed. A high percentage of newer mobile homes also will be destroyed. Poorly constructed homes can
sustain complete collapse of all walls as well as the loss of the roof structure. Well-built homes also can sustain severe damage with loss of most of the roof structure and/or some exterior walls. Extensive damage to roof coverings, windows, and doors will occur. Large amounts of windborne debris will be lofted into the air. Windborne debris damage will break most unprotected windows and penetrate some protected windows. There will be a high percentage of structural damage to the top floors of apartment buildings. Steel frames in older industrial buildings can collapse. There will be a high percentage of collapse to older unreinforced masonry buildings. Most windows will be blown out of high-rise buildings resulting in falling glass, which will pose a threat for days to weeks after the storm. Nearly all commercial signage, fences, and canopies will be destroyed. Most trees will be snapped or uprooted and power poles downed. Fallen trees and power poles will isolate residential areas. Power outages will last for weeks to possibly months. Long-term water shortages will increase human suffering. Most of the area will be uninhabitable for weeks or months. Hurricane Charley (2004) is an example of a hurricane that brought Category 4 winds and impacts to coastal portions of Punta Gorda, Florida with Category 3 conditions experienced elsewhere in the city.

Catastrophic damage will occur

Category Five Hurricane - Greater than 155 mph sustained wind

Catastrophic damage will occur

People, livestock, and pets are at very high risk of injury or death from flying or falling debris, even if indoors in mobile homes or framed homes. Almost complete destruction of all mobile homes will occur, regardless of age or construction. A high percentage of frame homes will be destroyed, with total roof failure and wall collapse. Extensive damage to roof covers, windows, and doors will occur. Large amounts of windborne debris will be lofted into the air. Windborne debris damage will occur to nearly all unprotected windows and many protected windows. Significant damage to wood roof commercial buildings will occur due to loss of roof sheathing. Complete collapse of many older metal buildings can occur. Most unreinforced masonry walls will fail which can lead to the collapse of the buildings. A high percentage of industrial buildings and low-rise apartment buildings will be destroyed. Nearly all windows will be blown out of high-rise buildings resulting in falling glass, which will pose a threat for days to weeks after the storm. Nearly all commercial signage, fences, and canopies will be destroyed. Nearly all trees will be snapped or uprooted and power poles downed. Fallen trees and power poles will isolate residential areas. Power outages will last for weeks to possibly months. Long-term water shortages will increase human suffering. Most of the area will be uninhabitable for weeks or months. Hurricane Andrew (1992) is an example of a hurricane that brought Category 5 winds and impacts to coastal portions of Cutler Ridge, Florida with Category 4 conditions experienced elsewhere in south Miami-Dade County

Source: NOAA - National Weather Service - weather.gov

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Eat healthy

Hosting the party? Avoid a false start with fattening foods. Add healthy snacks to your menu instead of high fat foods, or go for the super bowl trophy by serving all healthy snacks. Eat healthy snacks before the celebration to prevent overindulging.

Get physical activity

Score a first down by adding games that include physical activity. Physical activity doesn't need to be hard to be beneficial. Be active for at least 2½ hours a week. Include activities that raise your breathing and heart rates, and that strengthen your muscles.

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