Thursday, January 23, 2014

Winterize your car

Winterize your car - 2014

Cold temperatures and icy roads can create hazards for drivers. It is important to prepare yourself and your vehicle for these hazards to help ensure this winter driving season is a safe one.
At Travelers, we recommend taking precautions to help protect your car in the worst winter weather conditions.
Before you hit the road The cold, snow and ice can make driving dangerous if your vehicle is not properly maintained. Here are some things you can do to get your car ready for winter:
  • Make sure all scheduled maintenance is up-to-date. This can help reduce the risk of a mechanical breakdown.
  • Ensure that your tires are in good condition, properly inflated and have ample tread. If you live in an area where heavy snow is common, consider having snow or winter tires installed.
  • Make sure your heater and window defrosters are working properly.
  • Check that your lights and windshield wipers are operating properly and that your washer fluid reservoir is full.
  • Make sure your battery is in good condition.
  • Consider putting all-weather or winter floor mats in your car.
Create a winter survival kit for your carIf you drive in remote areas or are planning a long trip, keep a winter survival kit in your car. While some of these items may be appropriate all year long, these supplies can help you deal with winter weather.

Driving safely in winter weather

Driving safely in winter weather - 2014


Falling snow can be picturesque, but it can also wreak havoc on the roads. While no one enjoys driving in snowy or slippery conditions, there are steps you can take to help improve your safety.

Here are some guidelines that can help you stay safe when driving in adverse winter conditions:
  • Make sure your car is prepared for cold temperatures and wintery conditions like snow and ice. Keep your equipment properly maintained and include a winter survival kit in your vehicle: an ice scraper, snow shovel and sand/salt. Jumper cables are also a good idea since batteries are prone to failure during cold weather.
  • Clear snow and ice off your car – including windows, mirrors, lights, reflectors, hood, roof and trunk.
  • Drive with your headlights on, and be sure to keep them clean to improve visibility.
  • Use caution when snow banks limit your view of oncoming traffic.
  • Avoid using cruise control in snowy or icy conditions. In adverse conditions, you want as much control of your car as possible.
  • Know how to brake on slippery surfaces. Vehicles with anti-lock brakes operate much differently from those that do not have anti-lock brakes. You should consult your vehicle's owner's manual for instructions on how to brake properly if your vehicle should start to skid.
  • Maintain at least a half tank of gas during the winter season. This helps ensure you have a source of heat if you are stuck or stranded.
  • If you do venture out or are unexpectedly caught in a snowstorm and encounter problems, stay in your car and wait for help. Make sure your exhaust pipe is clear of snow. There is a danger of carbon monoxide poisoning if snow blocks the pipe and enables the deadly gas to build up in your car. Open your window slightly to help prevent the buildup.
  • Keep your windshield washer reservoir full, and make sure your car has wiper blades that are in good condition.
  • Remember that speed limits are meant for dry roads, not roads covered in snow and ice. You should reduce your speed and increase your following distance as road conditions and visibility worsen.
  • Be cautious on bridges and overpasses as they are commonly the first areas to become icy.
  • Avoid passing snow plows and sand trucks. The drivers can have limited visibility, and the road in front of them could be worse than the road behind.
  • Monitor road and weather conditions by checking local news stations or Internet traffic and weather sites.
  • If you must travel during a snowstorm or in blizzard conditions, be sure to let a relative, friend or coworker know where you are headed and your expected arrival time. Avoid the temptation to check or be on your phone while driving as all of your attention should be on arriving safely

It is important to stay warm during severe cold weather

Stay warm during severe cold weather - 2014 (and always)


Extreme cold can cause a number of health problems. Hypothermia and frostbite are just two of the health effects induced by cold weather.

Hypothermia occurs when a person’s core body temperature is lower than 95°F. The condition is considered mild if a person’s core temperature is between 90 and 95°F. Victims of mild hypothermia may show symptoms including uncontrollable shivering, loss of dexterity, pale and cool skin, and incoherence.

Severe hypothermia occurs when a person’s core body temperature falls below 90°F. At this temperature shivering stops and the victim’s blood pressure, heart rate and respiration begin dropping. Symptoms of severe hypothermia include slurred speech, confusion, shallow breathing, unusual behavior and a slow, irregular heartbeat. In extreme cases, the victim appears dead.

Treat mild hypothermia by moving the victim to a warm, dry environment. Prevent further heat loss by covering the victim’s head and neck. Provide extra clothes or blankets. Give the victim warm liquids (no caffeine or alcohol) and high-energy foods. Consult a physician as soon as possible.

Severe hypothermia demands immediate medical attention. Apply mild heat (comfortable to the elbow) to the victim’s head, neck, chest, armpits and groin. Attempt to keep the victim conscious. As much as possible, prevent them from moving. Movement circulates cold blood back to the heart and can cause further damage.

Frostbite is frozen and sometimes dead tissue caused by prolonged exposure to cold temperatures, usually below freezing. The extremities of the body (ears, nose, fingers, hands, toes, and feet) are most often affected because the body reduces blood flow to them in an effort to maintain its core temperature.

Frostbite usually causes the skin to look pale or blue. In extreme cases, the skin may turn black. The skin will generally feel cold and numb, and may be either stiff or rubbery. Severe cases of frostbite may form blisters.

Contrary to common belief, one should NEVER rub areas affected with frostbite. Rubbing actually increases the tissue damage. Move the victim to a warm, dry area. Place the affected area into warm water (100 to 104°F) until it becomes red, not until feeling returns. Consult a physician as soon as possible.

If you must be outside in cold weather, dress in layers including a hat, gloves and insulated boots. The inner layer of clothing should transfer moisture away from the skin (e.g., polypro or similar material), the middle layer should provide insulation and warmth (e.g., polar fleece or wool) while the outer layer prevents wind, rain and snow from getting in (e.g., nylon or Gortex®). Air between the layers also will provide additional warmth.

Keeping dry in cold weather is crucial to avoiding hypothermia. If a person does get wet, quickly move the individual to a warm, dry area. Remove the wet clothing and cover the individual with dry clothes or blankets.

Avoid smoking and stimulants, such as caffeine and alcohol. Smoking decreases circulation to the extremities. Caffeine stimulates the heart and may cause it to circulate cold blood. Although alcohol may make a person feel warm, it actually causes the body to lose heat.

Nutrition is a critical part of combating hypothermia. Your body needs food to burn to sustain core temperature. Eat a well balanced diet rich in complex carbohydrates. The dry air in cold conditions also can cause dehydration. It is important to rehydrate regularly.

Shoveling tips to avoid injury

Shoveling tips to avoid injury - 2014


With snowy weather comes a dreaded winter chore – shoveling. Some look at it as a form of exercise, but if not done safely, you can run the risk of getting injured.
According to a national study*, the most common shoveling-related injuries were to the lower back. Cardiac-related injuries account for only 7 percent of all injuries, but they were the most serious in nature. If you have any health conditions, such as heart disease, high blood pressure, etc., you should get your doctor’s approval before shoveling.
When planning to shovel, these tips can help keep you safer, and maybe make this winter chore more enjoyable:
  • Warm your muscles before heading out to shovel by doing some light movement, such as stretching or walking in place.
  • Pace yourself and be sure to take frequent breaks.
  • Try pushing the snow using the shovel instead of lifting – this can help reduce the strain on your body.
  • Choose your shovel wisely. Ergonomically designed shovels can help reduce the amount of bending.
  • Consider using a lighter weight plastic shovel instead of a metal one to decrease the effort when moving the snow.
  • When time allows, try to avoid large snow removal jobs by shoveling periodically throughout the day.
  • Try to shovel snow when it is lighter and fluffier. The longer snow stays on the ground, the wetter it can become. Wet snow is heavier and harder to move.
  • Dress in layers – this can help you maintain a comfortable body temperature.
  • Drink plenty of water to stay hydrated while shoveling.

Snow and ice removal requirementsSnow and ice do not only pose a potential risk to you, but to others are well. As a property owner, you are responsible for making a reasonable effort in keeping these areas clear of snow and ice. Pre-treating your walkways and other paved surfaces with an anti-icing product can help make snow and ice removal easier.
Be sure to check your local codes and ordinances regarding snow and ice removal requirements.

Removing snow from your roof

Removing snow from your roof - 2014


Snow-covered roofs can make for a picturesque scene, but the weight of the snow can cause problems. The combination of freshly fallen snow and the melting and refreezing of snow can add to the stress on your roof.

Clearing the first three to four feet of snow closest to the gutters or eave of your roof after each winter storm can help prevent
ice dams from forming.
  • If you have a flat roof that is easily reached from an interior stairway, you may want to shovel the roof, but be careful not to damage the roof covering. When de-icing, remember to put safety first any time you are on a roof, especially one that is covered in snow and ice. If you have any doubt, leave it to the professionals.
  • If you have a sloped roof, it may be possible to remove the snow and ice using a roof rake – a long-handled tool designed specifically for this purpose. Stand on the ground and pull as much of the snow off the eaves as you can safely reach.
  • If you cannot reach the roof, many homebuilders, landscaping and roofing contractors, and property maintenance companies will remove snow and ice from roofs. Before hiring a contractor, Travelers encourages you to check references. Always be sure your contractor is insured and bonded.
While the amount of snow and ice that your roof can handle may vary depending on a number of factors such as the roof type, age and condition of the structure, a good rule of thumb is if there is more than a foot of heavy, wet snow and ice on your roof, you should try to have it removed. We do not recommend using a ladder in snowy and icy conditions. This can be extremely dangerous and is best left to professionals.

Besides the danger of having snow on your roof, ice dams can also cause damage unless
steps are taken to help protect your home

Tips to help remove an ice dam from your roof

Tips to help remove an ice dam from your roof - 2014

           An ice dam has the potential to cause serious damage to both your roof and the inside of your home. It is important to take steps to help protect your home from the risks associated with ice dams.

What is an ice dam?           An ice dam can form when water from melting snow re-freezes at the edge of your roofline. Without roof snow removal, the ice dam may grow large enough to prevent water from draining off the roof. The water can then back up underneath the roof shingles and make its way inside your home.

Immediate steps you can take:
  • Remove snow from your roof after every storm. Use a roof rake to clear the first three to four feet of snow from your roof immediately after each winter storm to prevent ice dams from forming. While the amount of snow and ice that your roof can handle may vary depending on a number of factors such as the roof type, age and condition of the structure, a good rule of thumb is if there is more than a foot of heavy, wet snow and ice on your roof, you should try to have it removed.
  • Clear downspouts. An easy way to help snow and ice drain off your roof is to make sure the area around your downspouts is clear. This will make it possible for your gutters to drain when snow does melt. It will also help prevent flooding when the snow and ice melts.

Longer-term prevention:Ultimately, the best prevention for ice dams is to eliminate the conditions that make it possible for them to form in the first place.
  • Insulate your attic. Make sure your attic is well insulated to help prevent the melting-and-freezing cycle that causes ice dams to form. Check and seal places where warm air could leak from your house to the attic, including vent pipes, exhaust fans, chimneys, attic hatches and light fixtures.
  • Install a water-repellant membrane. When replacing a roof, make sure to install a water membrane underneath the shingles. This acts as an extra barrier that helps prevent water from seeping inside the building.

Removing ice dams         Just because an ice dam is present does not necessarily mean water has penetrated the roof membrane. However, it is always best to remove ice dams before they have the opportunity to cause damage. To determine if you have damage, look for water stains or moisture in the attic or around the tops of exterior walls on the top floor.
  • If you can reach the roof safely, try to knock the ice dam off with a roof rake, or cut a channel through the ice to allow standing water to drain.
  • If you cannot reach the roof safely, consider hiring a contractor to remove it.
  • Another method is to fill a nylon stocking with calcium chloride ice melt and place it vertically across the ice dam so that it melts a channel through the dam. If you try this method, make sure you can safely position the ice melt on your roof, and make sure to use calcium chloride, not rock salt. Rock salt will damage your roof. Also be aware that shrubbery and plantings near the gutter or downspout may be damaged.

Look carefully at large icicles. If the icicles are confined to the gutters and there is no water trapped behind them, this does not indicate the presence of an ice dam. However, large icicles can pose a danger to people when they fall off. Try to safely knock the icicles off from the ground, making sure not to stand directly beneath them. If you cannot reach them safely from the ground, consider hiring a contractor to help.
Generally speaking, property owners are responsible for the cost of preventive maintenance. However, each claim is unique, and coverage and claim decisions always require an expert analysis by a licensed Claim professional. Keep in mind that the cost of snow removal is likely to be considerably less than the cost of roof damage or interior property damage caused by water leaks.

Sound Winter Weather Practices - 2013/14

A winter storm is bearing down. Are you ready? -2014

Bitter temperatures, howling winds and icy precipitation can easily turn a pretty winter snowfall into a dangerous event.

With a storm now on your doorstep, here are a few things you can do to stay safe and warm while the storm passes through.

Check your supplies. Make sure you have a snow shovel and ice melt to keep walkways clear and safe. Check that you have sufficient heating fuel for your home and fuel for your generator, if you have one. If you will be using a fireplace or wood-burning stove, you should have a good supply of dry, seasoned wood. Have warm clothing and blankets on hand and stock non-perishable food items and necessary medications to last you and your family several days.

Get ready for a power outage. Turn your heat up now and close off any rooms that are not in use. Check pipe insulation and allow water to run at a trickle to prevent pipes from freezing. Charge your battery-powered electronic and communications devices. A battery-powered radio can help keep you aware of changing weather conditions. Get out your flashlights, batteries, first aid kit and other emergency supplies.

Stay warm – and safe. If you start a wood-burning fire, follow all fireplace safety precautions. Do not use an oven or a range as a home heating device. If you have a generator, use it outside only, where there is sufficient ventilation. Test all of your smoke and carbon monoxide alarms to ensure they work properly. Do not let candles burn unattended, and keep them away from combustibles. LED candles are a safe, energy efficient alternative. Also, if you have an ice dam prevention system, turn it on before the snow starts to fall.

Stay inside – and safe. Drive only if you absolutely must, and be sure your car is outfitted with snow tires, has adequate fuel and an emergency supply kit. If you go outside to shovel, know your limits and try not to overtax your body. Protect yourself from frostbite and hypothermia by wearing layers of warm, loose-fitting, lightweight clothing. Stay away from any downed power lines you may see. Keep your pets inside, or make other suitable arrangements for them.

Saturday, January 18, 2014




Reducing the risk for water damage losses
Water damage now surpasses the risks of fire and theft as a leading source of claims. Recognizing warning signs inside and outside your property can help you avoid water-related damage to your home. Here are some important tips that will help reduce the risk of incurring water damage losses:
·        Inspect plumbing lines/systemsCheck for plumbing fixtures           
   located on exterior walls of the home. These fixtures are prone to freezing and may burst during cold winter months. Make sure there are water pans under
   washing machines, hot water heaters, air conditioning units and water-bearing
   appliances located in or above finished living areas. Check under sinks for leaks and signs of water.
 ·        Check the basement and mechanical equipmentHot water heaters have a 10 to 13-year life span. Consider replacement after 10 years, before a problem starts. A new unit will likely be more energy efficient as well. Sump pumps need regular maintenance and testing to ensure optimal operation. Test the sump pump by pouring about 19 liters of water in the sump hole. Also, add a battery backup to ensure operation during a loss of power. Typically, that is when the unit is needed the most. Look for water stains on basement walls and floors, and identify the source of the leak if stains are found.  For tips from the institute for Catastrophic Loss Reduction on how to reduce basement flooding, visit www.basementfloodreduction.com.
·       Stay on top of interior maintenance Inspect caulking around bathroom fixtures and grout in tile. Missing or loose caulk or grout can lead to water seepage. Look for water stains on ceilings, walls and floors. Also look for crack in drywall, especially around doors and windows. Looks for deterioration of sills and molding around windows and doors.
·        Look for points of exterior water intrusionVisually inspect the roof for worn or curled shingles. Gutters/downspouts should be clear of debris. Water from downspouts should flow away from the foundation. Look for dry or cracked exterior caulking around windows and doors.