Back to School Safety: Getting to School – Walking to School

Back to School Safety Guide

This week, we are giving a brief overview of various transportation options as well as how to stay safe in each situation.

Walking to School

If biking is not a viable option but you still live close, then you may allow your kids to walk to school. If that is the case, then follow these tips to ensure proper safety.

  • Walk with other kids. Try to never walk by yourself if possible.
  • Stick to open areas that have high visibility.
  • Always follow proper traffic safety when crossing the street.
  • Never stop to interact with anyone you don’t know.
  • Don’t walk after dark.
  • Only walk pre-approved routes. Don’t deviate.
  • If you get lost, retrace your steps until you can find your way.
  • Keep a phone handy in case you have to call someone.

More Back to School Safety to Come

Our focus this month is all about school safety. Like and Follow us on Facebook and Follow us on Twitter to keep up when we release new tips!

Back to School Safety: Getting to School – Biking to School

Back to School Safety Guide

This week, we are giving a brief overview of various transportation options as well as how to stay safe in each situation.

Biking to School Safety

As your kids get older, they may want to get to school on their own. Cycling is a viable option if you don’t live too far, and you are in a decent neighborhood. Although you should have covered basic bike safety when you taught your child how to ride, some other elements have to be addressed when biking to and from school.

  • Always look both ways before crossing the street.
  • Always ride with a helmet and pads.
  • Never leave your bike unattended and unlocked.
  • Make sure to lock your bike when you arrive at school.
  • Pay attention to cars and traffic while riding.
  • Try to stick to the sidewalks whenever possible.
  • Ride with traffic, not against it.
  • Never ride at night without a light. Try not to ride at night at all if possible.
  • Never let someone else ride with you – one seat, one rider.

More Back to School Safety to Come

Our focus this month is all about school safety. Like and Follow us on Facebook and Follow us on Twitter to keep up when we release new tips!

Back to School Safety: Getting to School – Riding the School Bus

Back to School Safety Guide

Although most parents would love to be able to drop their kids off and pick them up every day, work schedules usually prohibit that kind of attentive care. Thus, you will likely have to rely on a variety of methods to ensure that your children get to and from school safely. This week, we are giving a brief overview of various transportation options as well as how to stay safe in each situation.

Riding the School Bus

Remarkably, busses have not changed at all in the last fifty years. That means that the bus you rode on as a kid is likely identical to the one that will transport your child. The reason for this is that school buses are about as safe as they can be already, but that doesn’t mean that they are immune to accidents. Here are the rules every child should follow when riding the bus.

  • Always listen to the bus driver and follow instructions.
  • Never stand while the bus is in motion.
  • Only get off at a stop that you recognize. Never depart the bus if you’re not sure where you are.
  • Keep your bag and belongings close to you. If anything drops onto the floor, wait until you arrive before trying to retrieve it.

More Back to School Safety to Come

Our focus this month is all about school safety. Like and Follow us on Facebook and Follow us on Twitter to keep up when we release new tips!

Back to School Safety: Driving in a School Zone

Back to School Safety Guide

Your children aren’t the only ones who need to be careful when obeying the traffic laws. Whether dropping your kids off or picking them up from school, you have to follow the rules as much as they do. Here are a few key reminders.

  • Always stop for a school bus when the lights flash.
  • Never go above the posted speed limit, even if there are no school zone lights.
  • Never pass other stopped vehicles in a school zone.
  • Assume that children are always present, even outside of school hours.
  • Keep your eyes peeled at all times – avoid any distractions whenever possible.
  • Expect the unexpected.

More Back to School Safety to Come

Our focus this month is all about school safety. Like and Follow us on Facebook and Follow us on Twitter to keep up when we release new tips!

Back to School Safety: Road Safety

Back to School Safety Guide

Getting back into the school year can be stressful and overwhelming. Not only are you focused on making sure your kids have all of the right supplies for the upcoming year, but you want to keep them safe and protected as well. Part of being a parent is worrying about the little things, and back to school time is especially trying.

So, with that in mind, we wanted to go over the most common experiences that you and your little ones (or older ones) will encounter as you get ready for the new school year. From traffic safety to sending your teenager off to college, it’s imperative that you know what to expect. Even though your kids are the ones learning in the classroom, that doesn’t mean you can’t benefit from some real-world education.

Road Safety Precautions

When your children are first going to school, one of the most pressing issues you have to address is how to act around cars. Since you’re not going to be supervising them all day, it’s essential that you explain proper traffic safety techniques so that your little ones don’t get into an accident.

For the most part, schools zones are heavily monitored, but incidents can still occur. As such, you should go over the following key points with your children, regardless of their age or grade level.

Crossing the Street

When your kids are still young (six or younger), it’s imperative that you remind them that they should never cross the street by themselves. Ideally, they should always be accompanied by an adult, or there should at least be a crossing guard to help them across. To ensure proper safety, remind your little ones of these rules.

  • Always look both ways. Do this multiple times just to be sure.
  • Wait for the crossing guard to tell you when to go.
  • If there is a crosswalk, always wait for the light to turn green.
  • Never cross the street when there is a red light or signal.
  • Never cross the street without an adult present.
  • When crossing with an adult, always hold his or her hand.
  • Never stop in the middle of the street for any reason.

Getting on and Exiting the Bus

If your child takes the school bus, it’s imperative that you remind them of traffic safety when getting on and coming off. Ideally, you or someone else will be present both times, but if that’s not the case, have your little one follow these rules.

  • Always look around the bus for oncoming traffic.
  • Follow the rules for crossing the street.
  • Wait until the bus driver signals you to enter or exit the bus.
  • Wait for the bus to come to a complete stop.

We’ll cover other school bus safety tips later on, but it’s essential that your children treat it with respect and caution. Busses can have a hard time stopping, making them far more dangerous than a car when they’re in motion.

In the end, cars and busses are going to be a significant part of your child’s school experience, so it’s best to get him or her comfortable with the idea of following traffic safety. While you should prepare your little ones by warning of any potential danger, you don’t want to scare them off of the idea of walking along or crossing the street altogether.

More Back to School Safety to Come

Our focus this month is all about school safety. Like and Follow us on Facebook and Follow us on Twitter to keep up when we release new tips!

How to Keep Your Home Safe From Fire Series

How to Keep Your Home Safe From Fire

In 2016, there were 352,000 residential fires. These resulted in almost 3,000 deaths, 11,000 injuries, and over $6.5 billion in damages. Although these numbers have been getting lower over the last decade, they paint a harrowing picture.

Don’t be a statistic.  Read these articles to help you keep your loved ones safe from a house fire.

Are you Covered in Case of a Fire? Review Your Home Insurance

How to Keep Your Home Safe From Fire

Have you checked to see if you’re covered from house fires in your homeowner’s policy? If so, are there any limitations on what you can claim in the event of a fire? If you’re not sure, then now is the perfect time to contact BJI and do a review. These are the most common forms of coverage for house fires.

  • Dwelling Coverage: This includes the structure of your home as well as any attached pieces, like a garage.
  • Personal Property: Most plans will cover a certain amount of property based on an estimate. This is most likely what you need to review so that you can be sure that everything you own is covered. In many cases, homeowners don’t update this part, and they are left with much less than they need to replace everything.
  • Detached Structures: Other buildings on your property (i.e., detached garages, sheds) are also usually covered.
  • Temporary Housing: If your home burns to the ground, or you can’t live in it while it’s being repaired, make sure that your policy will cover the cost of housing during the reconstruction period.

When looking at your insurance, it’s helpful to do an annual review to ensure that you have sufficient coverage for the price of your home and your belongings.

For example, if you got your policy when you first bought the house and it’s appreciated in value since then, you may come up short. Also, if you have more belongings than you did initially, you need to cover the difference.

Bottom Line

It’s never too soon to update your homeowner’s insurance with regards to fire coverage. Click here to contact BJI (or call 865-922-3111) today and set up an appointment. Don’t wait until it’s too late.


How to Keep Your Home Safe From Fire Series

What to Do in a Fire

How to Keep Your Home Safe From Fire

In our last post, we discussed how to keep your home safe from a fire. However, even if you’re extra careful and cautious, a fire may break out from unforeseen circumstances. Regardless of the cause, there are some things to remember when faced with this kind of situation so that you and your family can make it out unscathed.

For Small Fires

If things haven’t gotten out of control, then you may be able to extinguish it on your own. Here are some methods that can work.

Smother It: grease fires will only spread if you use water, so cover it with a pot lid or a large, heavy blanket. Make sure that it’s fully covered at once so that the blanket doesn’t ignite as well. Wool is ideal in this situation.

Fight It: if you have an extinguisher, then read the instructions and aim the foam or spray at the base of the flame. It will get messy, but that’s nothing compared to losing your belongings or your home.

Douse It: if you’re sure that the fire was not caused by electricity or oil, then you can throw water on it to put it out. However, if you’re not sure, use either of the previous two methods instead.

For Large Fires

If it looks like things are getting too intense, then evacuate the home as quickly as possible. Leave any and all belongings and focus on getting yourself and your family out first. Never run back into a burning building. Instead, call 911 and wait for them to arrive. Nothing is worth your safety or your life.

When evacuating your home, remember that smoke rises, so stay low to the ground. If necessary, practice a fire drill with your family so that they know where to go and what to do once they are outside.

If you have a multi-story home and the stairway is blocked, then try to climb out of a window or call for help. An escape ladder is always a good idea for this reason, and you should keep it somewhere accessible.

Safety Tip: Don’t Open Doors!

In some cases, the fire could be contained inside a room, which means that if you open the door, it could spread and engulf the rest of the house. Thus, be sure to test it first and see if the knob is warm. If it is, then leave the door closed.


How to Keep Your Home Safe From Fire Series

How to Keep Your Home Safe From Fire

How to Keep Your Home Safe From Fire

If your home burned down, what would you do? This is a horrible thing to consider, but the fact is that you never know when or how it could happen. If you’re not prepared, then it could cost you a lot more than you might think.

So, to alleviate your concerns and ensure that you and your family stay safe, we’re going to talk about fire safety in the home and what you can do to protect yourself. Also, it’s imperative that you double check your insurance policy to see if you’re covered and what may be missing from your plan.

Don’t wait until it’s too late, be proactive today with these tips.

House Fire Statistics

The National Fire Protection Association (NFPA) tracks and documents residential fires across the country by year. According to their data, it seems as if Americans are becoming safer overall, but there is still a lot of damage being done.

In 2016, there were 352,000 residential fires. These resulted in almost 3,000 deaths, 11,000 injuries, and over $6.5 billion in damages. Although these numbers have been getting lower over the last decade, they paint a harrowing picture.

The overwhelming cause of house fires is due to cooking accidents. Whether you left the stove on or something caught ablaze while you were making dinner, over half (50.8%) of fires are a direct result of these incidents.

As such, it’s imperative that you and your family understand the risk factors and work to correct any issues before they cause a serious problem. Although you may be able to put the fire out before it causes catastrophic damage, you don’t want to experience that kind of situation if you don’t have to.

Common Risk Factors in Your Home

Your house may be more vulnerable to a spark than you may think. Every year, people start fires on accident, because they aren’t aware of how easy it is for something to ignite. Thus, we want to make sure that you have a fundamental understanding of what could cause a blaze to erupt so that you can plan accordingly.

Outlets

For the most part, you shouldn’t have to worry about these if your house is newer and up to code, but problems can arise if you try to plug too many items in at once. Although many extension cords and power strips are designed to shut off if the circuit gets overloaded, the outlet may still act up and pose a fire hazard.

Old Light Bulbs

If you’ve ever touched an incandescent light after it’s been on for a while, then you know that they can get scalding. If you haven’t upgraded to LED yet, you could be putting yourself at risk if one of these old bulbs touches something flammable. Thankfully, newer models are not only safer, but they save you a ton of electricity as well.

Stovetop/Oven

We’ve already mentioned that cooking is the leading cause of house fires, so we would be remiss if we didn’t stress it again. Everything that gets hot in your kitchen can be a potential hazard, from the pots and pans to the stovetop itself. Pay extra attention when cooking with oils as they are hard to put out when they ignite.

Candles

Since these have an open flame, it’s imperative that you treat them with caution. A romantic evening can turn into a disaster if you’re not careful, so watch where you place your candles and make sure that they are completely out when you extinguish them. Candle smoke can ignite, so just because there isn’t a flame doesn’t mean you’re safe yet.

Fireplaces

Even though these are usually well contained, an errant spark or ember can become deadly. Not only that, but the chimney collects all kinds of residue and debris that can ignite and spread throughout your home.

Heaters

Whether it’s a furnace on the wall or a space heater, these units can get extremely hot and pose a threat to you and your family if you’re not careful. Modern ones will usually have built-in safety mechanisms, but they can’t prevent all accidents from occurring.

How to Stay Safe

Now that we know what to look for it’s easier for us to plan accordingly and protect ourselves and our families. Here are some tips to remember when fire-proofing your home.

  • Never leave cooking unattended. As soon as you walk away from your pot, pan, or stovetop, something could happen. It doesn’t take long for a fire to spread, so even a minute or two can be disastrous.
  • Have a fire escape plan. We’ll go over the specifics of what to do in a fire in our next post, but it’s essential that you and your family have a plan in place should the worst happen. Usually, serious injury or death occurs because people panicked and didn’t know what to do.
  • Have extinguishers handy. Places where fires happen naturally (i.e., stove, fireplace, etc.) should have an extinguisher nearby. Thankfully, you can buy small cans of foam or aerosol mixes that can stop a fire in its tracks.
  • Clean your chimney. If you go months without using your fireplace, it’s crucial that you clean it out before tossing a match inside. There can be a harmful buildup of flammable materials that need to be cleared first.
  • Keep combustible items away from heat. Drapes, clothes, paper products, and cooking oil can all ignite with little warning if they are exposed to enough heat. If there is a potential hazard in your home, clear the area around it as much as possible and keep it clear at all times.
  • Inspect your electrical system. If your house is old, it may not be up to code. Getting inspected can prevent something terrible from happening when you least expect it.
  • Check your smoke alarms. Although they can get annoying when they beep on low battery, these devices can be lifesavers. As such, don’t disrespect them or ignore them.

How to Keep Your Home Safe From Fire Series

Tips for Handling Power Outages

Tips for Handling Power Outages

If you are not already prepared for the event of a power outage, it is something that we highly recommend. Power outages can occur for a number of reasons and can happen anytime, without warning. We recommend that you have a list of materials ready in the event that you have a power outage, and an action plan put in place in the event of a power outage.

Preparing for An Outage

Make Sure Your Devices are Charge

This one is pretty simple, make sure that your cell phone, laptops and other electronic devices are fully charged at all times.

Have Backup Batteries

You may want to make sure that you have some backup chargers and portable batteries that you can use to charge your devices in the event of a power outage.

Have a Generator

Having a backup generator is critical in the event of a long term power outage. Make sure to speak with an expert about what size you need for your home.

Get a Cooler

Coolers are always handy in the event of an outage. Make sure that you have a reliable cooler that can keep your food cool for six to seven days, in the event of a long term power outage.

Have Ice Bags or Packs Stocked

To accompany the cooler, make sure that you either have a bag of ice in your freezer or individual ice packs that you can use in your cooler to keep your food cold.

Keep Your Gas Tank Full

In case the outage is widespread, make sure that you always keep a full tank of gas in your vehicles. This can come in handy in the event of an emergency.

Know How to Manually Open Your Garage

If your cars are parked in your garage and the power goes out, make sure that you know how to manually open your garage doors.

During an Outage

Here are some pointers that you can use during an outage.

Use Flashlights

Use flashlights instead of candles to prevent a fire from occurring.

Keep your Refrigerator and Freezer Closed

Keep your refrigerator and freezer closed when you aren’t using them to keep your food and drinks cold.

Go Somewhere Cool

If it is hot, go somewhere cool like a movie theater or find a shelter.

Keep Warm When it is Cold

If it is cold outside, layer up so that you can stay warm.

Disconnect Appliances & Electronics

Make sure to disconnect any of your appliances to avoid a surge when the power comes back on.  If any of your electronics are not protected by a surge protector, unplug them as well.

 

Although a power outage is many times a temporary inconvenience, other types of damage to your home is not. Homeowner’s insurance helps protect in case you experience loss or damage to your home or property.  If you’d like, call us at 865-922-3111 (local) or 800-624-3339 (toll free) or click here to contact us.  Our staff are trained to help you make the best choice to protect your home and property.