Home insurance in Okeechobee, FL covers many things, but there are certain things that aren’t covered. If you are worried about your coverage under your home insurance policy, an agent at Pritchards and Associates Inc. can help you find the right option.
Mold: A standard home insurance policy will limit mold coverage or completely exclude it. The best way to deal with mold is to prevent it in the first place, and if you have a leak or flooding to get rid of the moisture as fast as possible.
Sewer Backup: If the sewer backs up in your home, it can do a lot of damage, but it’s typically not covered. You can get extra insurance to cover this.
Floods: Many times, homeowners think floods are covered but instead you need a separate flood insurance policy.
Construction Work Damage: When you are renovating your home, your policy won’t cover any damage that is done to the home. You can get a separate policy to cover damage and your contractor should be licensed and have liability insurance.
Fine Art and Jewelry: There will be a limit on how much coverage there is for personal belongings, and jewelry and fine art can exceed these limits. The way to protect these things is with a separate rider that specifies exactly the coverage.
Destroyed or Stolen Cash: It’s hard to prove that you had cash stashed away in the home if the home was destroyed or the cash was stolen. Keep it in a safe place in order to protect it.
Termite Infestation: Termites can cause a lot of damage, but your home insurance won’t pay for it. A licensed pest control company should inspect your home to avoid this problem.
Contact Pritchards and Associates Inc. serving Okeechobee, FL, to get a quote on home insurance.
This post was adapted from an article by the Florida Citrus, Business, and Industry Fund (www.fcbifund.com)
The dog days of summer will soon be upon
us. With that being said, there comes an increase in heat-related
illnesses and injuries. What may be reported as a broken wrist due to a worker
losing his balance and falling from a ladder, may actually be caused by the
worker fainting due to overheating.
While heat-related illness claims are
most common among construction workers, landscapers, agriculture workers and
others that work in an outdoor environment; there are other industries that can
be affected by heat, including warehouse and factory workers.
The combination of heat and humidity
that is common in Florida is especially hazardous. The problem is that
performing labor-intensive activities in hot weather can raise body
temperatures beyond levels that can be cooled by sweating.
The Loss Prevention Team at the Florida
Citrus, Business, and Industry Fund has been busy providing education on the
hazards of working outdoors in the summer heat and emphasizing prevention
What are the dangers?If you work in hot conditions, you can
be at risk of several heat-related illnesses. The following are heat-related
illnesses and what to look for:
- Heat rash consists of red, irritated bumps and is
a sign that hot conditions are affecting your body.
- Heat syncope (fainting) can occur when
a person is not used to working in a hot environment.
- Heat cramps are caused by a loss of salt when
sweating. Severe cramps may require a visit to a medical professional.
- Heat exhaustion occurs if you
have lost too much fluid, salt, or both through sweating.
- Heatstroke occurs when the body’s natural cooling
processes stop working, and the ill person stops sweating. Symptoms of
heatstroke include very hot and dry skin, confusion, convulsions, seizures, and
loss of consciousness. Heatstroke is very serious and can lead to death.
What can you do to keep cool? Most heat-related illnesses can be easily prevented by taking the following steps while working in hot conditions:
- Drink plenty
of water throughout the day. In hot conditions, you should aim for about 1 cup
every 15 to 20 minutes.
- Wear a hat and
- Drink sports
drinks to help replace the salt you lose when you sweat.
- Avoid caffeine
and alcohol, which can both cause dehydration.
- Take frequent
breaks in a cool, shady place.
- If the
temperature spikes suddenly or you are new to working in hot conditions, take
more frequent breaks and gradually build up your workload while your body
- If you notice
yourself experiencing symptoms of heat illness, tell your supervisor, and take
a break in a cool, shaded area.
Source: National Safety Council