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EDISON BLOG

Archive: May 2020

Quick Tips for Kids: Pool Safety from Edison Insurance Company

Updated: May 1, 2020
 

 

Meant to promote water and aquatic safety, drowning prevention, and recreational activity safety, May is recognized as National Water Safety Month. As many families take advantage of time in their pools, it is important to evaluate your children’s swimming skills and know what steps to take when it comes to water safety.  You should know their strengths, weaknesses, and areas they may need help in when it comes to swimming.

 

Here are some facts from the CDC (Centers for Disease Control and Prevention) on drowning:

  • From 2005-2014, there was an average of 3,536 fatal unintentional drownings (non-boating related) annually in the United States — about ten deaths per day. An additional 332 people died each year from drowning in boating-related incidents. 

 

  • About one in five people who die from drowning are children 14 and younger. For every child who dies from drowning, another five receive emergency care for nonfatal submersion injuries.

 

  •  More than 50% of drowning victims treated in emergency departments require hospitalization or transfer for further care (compared with a hospitalization rate of about 6% for all unintentional injuries). These nonfatal drowning injuries can cause severe brain damage which may result in long-term disabilities such as memory problems, learning disabilities, and permanent loss of basic functioning.

 

With these facts in mind, pool safety should be atop of your priority list. Please consider these 5 pool safety tips: 

  1.  Supervise children at all times when in or out of the pool. Even if your children are playing around the pool, they still need your undivided attention in case of a slip or fall.

  2.  Be prepared for an emergency. CPR classes are available year-round. It’s simple, all you need to do is search online for a class near you. Learning basic rescue skills could save your child’s life, or even someone else’s. Although the ambulance is called, it does not necessarily mean it can wait. Many rescues are successful because of someone using CPR until the ambulance arrives.

  3.  Teach your children how to swim. Of course, they may not be professional swimmers right away, but enrolling them in swimming lessons could be a game-changer. Should they ever find themselves in trouble, they could apply those skills in a calm manner to get themselves out (or at least hang on until help arrives). Basic skills such as treading water and floating are a must if they are to be trusted in the water without a floatation device or other assistance.

  4.  Clear toys from the pool after swimming. Smaller children are more likely to follow a ball or toy straight into the pool. Some will even try so hard to reach their toys, they end up falling in unintentionally. If no one is around to help, or witness, there could be a fatal result. It is important to bring all toys inside to avoid temptation.

  5.  Make it clear to your children: Needing help isn’t embarrassing! Some children may be tempted to remove their floatation devices because the other children in the pool are without it. If your child is very hesitant to wear their life jacket and they know the basics of swimming (as listed above), try an alternative, like a pool noodle, boogie board, or floating ring they can hold onto while strengthening their swimming. You will need to keep a very close eye on them, but at least it will encourage them to become stronger, instead of ditching the floating devices completely.

 

 

We hope you will keep these pool safety tips in mind around the pool. As your homeowners insurance carrier, we understand accidents occur. Should the unexpected happen we would like to remind you your homeowners insurance policy includes personal and medical liability coverages to protect you. To learn more about liability coverages or to increase your coverage limits, contact your agent or contact us at 866-568-8922. 

5 Tips for Preparing Your Home for Hurricane Season

Updated: May 1, 2020
 

 

With the official start of Hurricane Season a month away, there is no time like the present to start preparing your home for a hurricane or tropical storm. As we have seen in the past few seasons, it only takes one storm to cause devastation and millions in damages. With the prediction of another active and “above-average” season this year, we would like to provide some simple steps you can take to protect your home for Hurricane Season:

 

  1. Conduct a Home Inspection

Is your home ready for a natural disaster? Consider conducting a home inspection before Hurricane Season approaches to ensure your personal safety, as well as those of your home and belongings. Conducting a home inspection is quite simple, all you need to do is check for damage such as cracks, leaks, and breaks in the interior and exterior of your home. Should areas of your home need repair, fix them as soon as possible to prevent further damage.


 

  1. Hurricane Shutters

If you hear the news of a hurricane or tropical storm is approaching, installing hurricane shutters to your windows can be beneficial. If a window in your home is broken during a hurricane, it can expose the inside of your house to excessive winds and rain, and potentially lift the roof from below. If you do not currently own shutters, now is a good time to get some estimates and purchase them from local vendors and hardware stores. Waiting until the last minute to purchase items such as shutters can be costly or inventory may be very low. If you currently own shutters, be sure to place them in an area in reach and inspect them for damages. Should you need to install your shutters, be sure to do so safely. 

 

  1. Hurricane-Proof Your Roof 

Roofs can be vulnerable to hurricane damage due to heavy rains and wind. Taking a few steps to strengthen your roof before a hurricane is recommended, especially if it is older. Be sure to inspect your roof for cracks and damages and have it fixed as soon as possible to avoid further damages from a storm. 


 

  1. Clear Your Yard

Hurricane winds can be extremely dangerous, and strong enough to pick up objects such as lawn chairs, garbage cans, wood, metal, bicycles, barbeque grills, etc. These winds can send these objects flying into your car and home. Before a hurricane strikes, remove these types of outdoor objects and bring them inside. Should you have trees near your home be sure to trim limbs often and remove any large trees which may show signs of decay or damage. 



 

  1. Review Your Homeowners Insurance Policy: 

Now is also a great time to review and update your homeowners insurance if necessary to be sure you have adequate coverage should the unexpected occur. Remember, flood coverage is not included within your startard homeowners policy, it is important to determine if you need flood insurance prior to Hurricane Season. Luckily Edison Insurance Company offers a certified flood endorsement which allows eligible policyholders to secure flood insurance coverage up to a selected amount, eliminating the need for a standalone flood policy. Should you have any questions about your policy and coverages, please contact your agent or call us at 866-568-8922 for assistance. 


 

It is important to keep in mind, these procedures should be taken well in advance of a hurricane, not a few hours before. Should catastrophe strike, Edison Insurance Company stands ready to assist you. In the event of a loss, you may report your claim online or by calling our claims hotline at 888-683-7971.