Tag Archives: home owner insurance fire

Fireworks Safety

Fireworks and the Fourth: 9 Tips For Safe Celebrations

Windsor-Detroit International Freedom Festival Firework Show

I love a good professional fireworks show. I’ve watched the 4th of July Fireworks from the FDR highway in NYC. I’ve witnessed the pyrotechnics for what used to be the Windsor-Detroit International Freedom Festival from high up in a building on Woodward Ave.

But I’ll admit—I’m not a huge fan of consumer fireworks. It’s probably because my only experience with them resulted in me having to jump out of the way of a firework that fell right in my direction. That pretty much scared me from using anything more than sparklers.…

Fireworks and the Fourth: 9 Tips For Safe Celebrations

Windsor-Detroit International Freedom Festival Firework Show

I love a good professional fireworks show. I’ve watched the 4th of July Fireworks from the FDR highway in NYC. I’ve witnessed the pyrotechnics for what used to be the Windsor-Detroit International Freedom Festival from high up in a building on Woodward Ave.

But I’ll admit—I’m not a huge fan of consumer fireworks. It’s probably because my only experience with them resulted in me having to jump out of the way of a firework that fell right in my direction. That pretty much scared me from using anything more than sparklers.

I’m really lucky that I wasn’t injured that day, because as U.S. Consumer Product Safety Commission(CPSC) statistics show hundreds of people are injured every year by fireworks. The CPSC has put together a pretty great infographic on the subject.

Some key statistics:

  • On average, 200 people go to the Emergency Room per day for fireworks-related injuries in the month surrounding the 4th of July (June 17–July 17).
  • Hands and fingers are the most injured body parts, followed by the head, face, ears and eyes.
  • 40% of the injuries happen to adults ages 25-44, 45% happen to people under age 24.
  • 68% of those injured were male.

Surprised? I’m guessing you’re probably not. The numbers fell mostly where I thought they would. These numbers really illustrate how important it is for people of all ages to treat fireworks with respect. Read all of the warnings and use common sense.

On average, 200 people go to the Emergency Room per day for fireworks-related injuries in the month surrounding the 4th of July

That includes:

  • Think twice about using fireworks if you currently live in an area experiencing very dry weather and elevated fire risks.
  • Follow all laws! If fireworks are illegal in your area, don’t use them.
  • Never allow young children to play with fireworks. Young children can very easily suffer burns from sparklers, which burn at 2,000 degrees.
  • Have an adult closely supervise any older children using fireworks.
  • Be careful when lighting the fuse. Don’t place any part of your body over the firework. Light only one firework at a time and back up to a safe distance immediately.
  • Keep a bucket of water or a garden hose handy in case of fire or other mishap.
  • Never try to re-light or pick up fireworks that have malfunctioned. Soak them and throw them away.
  • Never point or throw fireworks at another person.
  • Never carry fireworks in a pocket or shoot them off in metal or glass containers.
  • After fireworks stop burning, douse it with plenty of water before discarding it.

Your safety is important to us. Enjoy the Holiday safely!

Fire Insurance: Don’t Let Your Future Go Up In Flames

No one expects to be affected by a fire. Whether you are thinking about your business or your home, it’s just not something that crosses your mind. Fire insurance is one of those policies or policy additions that people put off, because they think “A fire? That’ll never happen to me.” But it does.

With the uncharacteristically wet spring Colorado has had this year, many business and homeowners will put off getting coverage, but this is a mistake. Wet weather this year means that the naturally occurring wildfires that affect Colorado might not burn as much vegetation, leading to a …

No one expects to be affected by a fire. Whether you are thinking about your business or your home, it’s just not something that crosses your mind. Fire insurance is one of those policies or policy additions that people put off, because they think “A fire? That’ll never happen to me.” But it does.

With the uncharacteristically wet spring Colorado has had this year, many business and homeowners will put off getting coverage, but this is a mistake. Wet weather this year means that the naturally occurring wildfires that affect Colorado might not burn as much vegetation, leading to a buildup of fuel for next year. If the State experiences a dry rest of 2015 and 2016, we may see a surge in fires in the coming year. Meaning that NOW is the time to buy or update your fire insurance.

There are several terms and conditions that must be considered and understood when selecting a policy that provides the right amount of coverage for you or your business. Many kinds of fires, such as wildfires, fires caused by earthquakes, and acts of God may not be included in your existing policy. Make sure that your agent provides examples of fires that are covered and not covered by the policies that you are considering.

Even if you already have fire coverage, it is important to speak with your agent and review your policy. The Real Estate market has increased dramatically in Colorado, so the value of your home or business has likely increased. Your existing fire insurance policy probably has a coverage limit based on the value of your home or business when your policy was purchased. Meet with your agent, you may want to get a property valuation, so that in the case of a fire, you or your company will be properly compensated based on the real damage done to the property.

There are several ways to save money on a fire insurance policy. Installing fire preventative measures, such as fire alarms, sprinklers, and using flame retardant building materials may reduce your monthly or annual insurance payment. At Insurance Town and Country, we understand that any explanation of insurance is a lot of information to receive at one time. That is why we keep ourselves updated so that we can be the insurance experts that you need when you’re choosing a policy or making a claim. Contact us today with any questions that you have about your home or business insurance, we’re happy to clear up any confusion. If you are considering a new insurance plan or changing an existing policy, we can schedule a meeting to sit down, discuss your needs, and find a plan that works for you, your family, or your company. Call, email, or drop in and see us today!

Denver Office                                                                    Castle Rock Office
1735 E. 17th Ave. #3                                                             513 Wilcox St. #200
Denver, CO 80218                                                                Castle Rock, CO 80104

Phone: 303-388-7216                                                        Phone: 303-688-1251

Email: contact@insurancedenver.net                        Email: contact@insurancedenver.net