As Disasters Increase in Scope and Cost, Revisit Your Homeowner’s Coverage

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In 2017, the U.S. experienced one of the most disaster-filled years in history, with tens of thousands of people losing their homes and countless others temporarily displaced. The insurance industry is expecting the trend to continue, based on climate forecasts and the history of natural disasters and their costs over the past 10 years. The 2017 hurricane season was the costliest in the history of the U.S., resulting in countless windstorm and flood-damage claims from homeowners and businesses in affected parts of the country. The number and size of tornadoes has also been on the upswing. The tornado season in…
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How to Protect Your Home from Wildfires

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Forest fires consume some 8 million acres in the U.S. each year, according to insurance industry sources, with most major fires occurring in western states. The most recent example of the devastation that such fires can cause is of course the wildfires that swept through the Napa Valley in California in October.  If your home is in an at-risk area, take these steps to increase the chances of it surviving a wildfire with minimal damage. Prepare ‘defensible space’ “Defensible space” is essentially the last-ditch firebreak immediately around your home. Many fire prevention concepts are organized around the concept of maximizing…
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Protecting Your Workers in Wildfire Areas

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If you have workers in a wildfire zone, you need to have measures in place to protect them in the event of a catastrophe. Smoke from these wildfires is dangerous as it contains chemicals, gases and fine particles that can lodge deep in people’s lungs. This can make it difficult to breathe, aggravate asthma as well as existing heart and lung conditions – not to mention all the coughing and wheezing that most people would experience. To protect workers exposed to wildfire smoke, Cal/OSHA recommends that employers take the following measures: • Engineering controls like using a filtered ventilation system…
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Protecting Your Business from Wildfire

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As wildfires rage in California and elsewhere in tinder-dry areas of the US, now more than ever you need to make sure that your business is protected from the threat. Whether you own or operate an apartment complex, convenience store, office, motel, restaurant or other retail establishment, the steps you take now will reduce the risk of costly repairs or rebuilding if a wildfire strikes. If you are located in one of the many tinder-dry areas this year, you need to consider the possibilities that fires can start near your business – and, if so, are you prepared to deal…
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