Wednesday, November 21, 2012

Happy Thanksgiving!

HAPPY THANKSGIVING!


Thanksgiving is a time to reflect and give thanks to all that God has provided to us, ranging from the relationships we have with family and friends, to the employment and material goods we are blessed with. Thanksgiving also ends up usually being a time of eating way too much food and packing on a few extra pounds! (can we say a precursor to a New Year’s resolution!!)

We are sure that you all have much to be thankful for this year and have some great Thanksgiving memories/traditions. We have shared some of ours below.

I AM MOST THANKFUL FOR….

For my 3 new healthy grandchildren to add to our other 4. ” - Jim Runnebaum

"I am thankful for a healthy family, the opportunity to live in the great United States of America (in spite of all it’s flaws!), and most of all I’m thankful that Christ came to earth to offer us all salvation!" - Cynthia Strahm

"I am thankful for my family and friends and the good times K-State Football has given us this year." - Kelly Sheik

"I am thankful for my healthy family." - Carrie Strahm

MY FAVORITE THANKSGIVING TRADITION/MEMORY,….

"My family will be helping out at the Topeka Rescue Mission this year for Thanksgiving" - Roy Frey

"My family will have our gathering the Saturday after Thanksgiving and this year will be at my house, can't wait to eat the big meal and have fun playing cards after!" - Maria Dressman

From all of us at SBS Insurance, have a safe and happy Thanksgiving!

Wednesday, November 14, 2012

Have a Safe Thanksgiving

Thanksgiving is near and visions of fried turkeys already are dancing in more than a few heads.

The old joke that men love cooking only if it involves flames and danger is not so funny after an accident. Every year too many folks are harmed and homes are burned due to the combination of large pots of hot oil and big turkeys. Your homeowners insurance may respond for the fire damages and your health insurance for the emergency room visit, but is that really the new Thanksgiving tradition you had in mind?

Fried turkey can be a great alternative to traditional oven-roasted fare, but be certain to take into account the much higher risk factors. Use a fryer designed specifically for turkeys, rather than jury-rigging other cooking equipment. Once you have the proper fryer, follow a few tips from the experts that can make the difference between taste sensation and flaming disaster:

1.Turkey deep fryers should always be placed outdoors, on a flat, preferably concrete surface located a safe distance away from anything combustible. Never use a turkey fryer in the garage, on a wooden deck, or anywhere near the house.

2.Never leave the fryer unattended. Even after you are finished cooking, do not let pets or children near the unit. The oil in the fryer remains extremely hot for hours after cooking.

3.Keep a fire extinguisher handy. The best is a Class K wet chemical fire extinguisher. If fire erupts, do not throw water on it. Water cannot extinguish a grease fire and will cause the oil to spatter violently. Use common sense. If the fire is small, use the extinguisher, but dial 911 for emergency assistance before the blaze becomes unmanageable.

4.Use oil with a high smoke point, such as peanut or canola.

5.Do not overfill the turkey fryer. If oil spills over?because the turkey is too large or the oil level is too high?flames can engulf the unit and endanger bystanders. Before frying, conduct this test: Put the unseasoned turkey into an empty fryer. Then fill the fryer with water until the turkey is fully submerged. If the turkey fits comfortably, mark the water level. When preparing to cook, dry the fryer thoroughly. Then fill it with oil to an inch shy of your level mark to allow for expansion of the oil as it heats.

6.Thaw the turkey completely and dry it with paper towels. Injected marinades are fine, but season the turkey skin with a dry rub. Excess water in a partially frozen or wet turkey will cause the pot to bubble over, resulting in a fire hazard. The National Turkey Federation recommends 24 hours of thawing for every five pounds of bird before cooking in a turkey fryer.

7.Most turkey fryers do not come with a thermostat, and if left unattended may overheat, resulting in combustion. Turkey fryer thermometers and other accessories are available.

8.Use heavy oven mitts or well-insulated potholders. The lid, handles, and sides of the cooking pot become very hot, posing a severe burn threat. Protective eyewear is also recommended.

Your SBS Insurance agent always stands ready to offer advice and a comprehensive review of your current insurance coverage and needs. But when it comes to safety, remember: The best claim is the one you never have to make. Whether you’re tending a deep fryer or waiting on the timer to go off on your oven, be safe this Thanksgiving and holiday season.


Friday, November 2, 2012

How to Avoid Deer And Other Animal Collisions

Did you know that a motorist is most likely to strike a deer in November? Claims data shows that more than 18 percent of all deer-related automotive mishaps take place during November, with October and December trailing closely behind. These findings are not too surprising, when deer mating season is taken into consideration.



Here are some things to think about before hitting the road:

  1. The most active times of the day/night for deer and other wildlife are the times before and shortly after sunrise. Statistically, more animal collisions occur at this time than other times of the day and night. BUT, during rut they can be seen at any time of the day or night and they are focused only on mating, which makes them less aware of their surroundings and a greater hazard. 
  2. Pay attention to “deer crossing” signs. They are posted in areas where deer have been known to be killed on the highway in addition to where they are sighted. 
  3. Whenever possible, use your high beams and increase the distance that you can see ahead of your vehicle. This can allow you time to slow and may allow you time to use your 4-way flashers to warn other drivers of a hazard. 
  4. Blink your headlights at the deer or other animal. Instead of being transfixed by your headlights, it may “wake them up” and cause them to run from your path. Honking your horn may also have the same effect.
  5. Brake – not by jamming on your brakes and possibly throwing your vehicle into an out-of-control slide – and slow down as rapidly as is safely possible. IF a collision with a deer or other animal is unavoidable, damage may be minimized by striking the animal at a slower speed.
  6. Immediately after the impact, reduce speed further and pull off of the road to examine your vehicle for damage. Under NO circumstances should you approach the animal – an injured animal can inflict a lot of injury and damage. 
  7. Notify the authorities so that the animal can be properly disposed of and will not pose a threat to other motorists.

Here are some interesting facts:

- According to the claims data, the presence of deer caused an estimated 1.23 million collisions in the U.S. between July 1, 2011 and June 30, 2012. The probability that any single licensed driver in the U.S. was behind the wheel during one of those 1.23 million crashes also increased from 1 in 183 to 1 in 171, approximately equal to the odds that you will be audited by the Internal Revenue Service next tax season.

- Over the last four years, the number of deer-related claims paid has increased 7.9 percent, while other similar auto claims decreased 8.5 percent.

- The average property damage cost of these incidents during the final half of 2011 and the first half of 2012 was $3,305, up 4.4 percent from the year before.

Animal collisions are an increasing threat to our vehicles, as is evidenced by the number of animal guards being installed on heavy duty trucks. These guards minimize - if not totally eliminate - damage caused by collisions with animals and can certainly prove to be a good investment if your route takes you through areas with known animal populations.


Remember to be safe this deer season and contact your local SBS Insurance agent to discuss what coverage you have on your vehicle in case of an accident.

Wednesday, October 24, 2012

Halloween Safety Tips

Halloween is just around the corner and many people may not realize how scary this ghoulish night might really be for their personal safety, their property…or their pocketbooks.

To help families and businesses have a good time and protect themselves against more scary Halloween risks, we offer the following safety tips:

• Prevent Accidents: Remove or move lawn furniture, or any other obstacles, to avoid accidents or damage. Ensure your home’s entry is in good condition, free of loose or broken pieces on stairwells and walkways to avoid trick-or-treaters’ injuries on your property.

• Fire Dangers: Prevent fires by making sure pumpkins containing candles are placed at a distance where a child’s costume cannot be ignited or a curious guest may tip it over. Extinguish all candles before going to bed and use battery operated lights wherever possible.

• Costume Safety: Be careful with costumes. All disguises should be made from flame-resistant materials and shouldn’t be too long or contain sharp accessories. Try to avoid masks that may obscure vision and try to use hypo-allergenic make-up instead.

• See and Be Seen: Encourage each trick-or-treater and adult chaperones to carry a flashlight. Apply light-reflecting material to costumes.

• Don’t be a Scary Driver: Drive sober, slowly and even more carefully than usual on Halloween. Watch for children who may be running or wearing dark costumes in the road.

• Power in Numbers: When walking, travel in groups and cross only at corners and crosswalks—never between parked cars—and stay on well-lit streets.

• Unwelcomed Guests: Scare away potential property vandals who often use the chaos of Halloween night to strike by keeping outdoor lights on.

• Pet Safety: Keep pets inside. Warn your children to stay away from animals as they go door-to-door. Halloween night can be stressful, even on the friendliest dog or cat or other creatures.

• Candy Inspection: Cavities aren’t the only candy-related risks on Halloween. Inspect all children’s treats. Never eat unwrapped items, collect candy only from those you know and ask the local police department if it offers a candy x-ray and/or inspection service. Throw away any suspicious candy.

SBS Insurance Agency would like to wish all a Safe and Happy Halloween!

Friday, October 19, 2012

Prevent Home Fires

Most home fires occur in the kitchen while cooking and are the leading cause of injuries from fire. Common causes of fires at night are carelessly discarded cigarettes, sparks from fireplaces without spark screens or glass doors, and heating appliances left too close to furniture or other combustibles. These fires can be particularly dangerous because they may smolder for a long period before being discovered by sleeping residents.

Home fires are preventable! The following are simple steps that each of us can take to prevent a tragedy.

Cooking
  •  Stay in the kitchen when you are frying, grilling, or broiling food. If you leave the kitchen for even a short period of time, turn off the stove.
  • Wear short, close-fitting or tightly rolled sleeves when cooking.
  • Do not cook if you are sleepy, have been drinking alcohol, or have taken medicine that makes you drowsy.
  • Keep children away from cooking areas by enforcing a "kid-free zone" of 3 feet around the stove.
  • Position barbecue grills at least 10 feet away from siding and deck railings, and out from under eaves and overhanging branches.
Smoking
  • If you smoke, smoke outside. Most home fires caused by smoking materials start inside the home. Put your cigarettes out in a can filled with sand.
  • Make sure cigarettes and ashes are out. The cigarette really needs to be completely stubbed out in an ashtray. Soak cigarette butts and ashes in water before throwing them away. Never toss hot cigarette butts or ashes in the trash can.
  • Check for cigarette butts. Chairs and sofas catch on fire fast and burn fast. Don't put ashtrays on them. If people have been smoking in the home, check for cigarettes under cushions.
  • Never smoke in a home where oxygen is used, even if it is turned off. Oxygen can be explosive and makes fire burn hotter and faster.
  • Be alert - don’t smoke in bed! If you are sleepy, have been drinking, or have taken medicine that makes you drowsy, put your cigarette out first. 

 Electrical and Appliance Safety
  •  Frayed wires can cause fires. Replace all worn, old or damaged appliance cords immediately and do not run cords under rugs or furniture.
  • Buy electrical products evaluated by a nationally recognized laboratory, such as Underwriters Laboratories (UL).
  • If an appliance has a three-prong plug, use it only in a three-slot outlet. Never force it to fit into a two-slot outlet or extension cord.
  • Use electrical extension cords wisely; never overload extension cords or wall sockets.
  • Immediately shut off, then professionally replace, light switches that are hot to the touch and lights that flicker.
Portable Space Heaters
  •  Keep combustible objects at least three feet away from portable heating devices.
  • Buy only heaters evaluated by a nationally recognized laboratory, such as Underwriters Laboratories (UL).
  • Check to make the portable heater has a thermostat control mechanism, and will switch off automatically if the heater falls over.
  • Check with your local fire department on the legality of kerosene heater use in your community.
  • Only use crystal clear K-1 kerosene in kerosene heaters. Never overfill it. Use the heater in a well-ventilated room.
  
Fireplaces and Woodstoves
  • Inspect and clean woodstove pipes and chimneys annually and check monthly for damage or obstructions.
  • Never burn trash, paper, or green wood.
  • Use a fireplace screen heavy enough to stop rolling logs and big enough to cover the entire opening of the fireplace to catch flying sparks.
  • Make sure the fire is completely out before leaving the house or going to bed.
  • Store cooled ashes in a tightly sealed metal container outside the home.
Children
  • Take the mystery out of fire play by teaching children that fire is a tool, not a toy.
  • Store matches and lighters out of children's reach and sight, preferably in a locked cabinet.
  • Teach children not to pick up matches or lighters they may find. Instead, they should tell an adult immediately.
  • Never leave children unattended near operating stoves or burning candles, even for a short time.
  • Check under beds and in closets for burned matches, evidence your child may be playing with fire.
More Prevention Tips
  • Avoid using lighted candles.
  • Never use the range or oven to heat your home.
  • Replace mattresses made before the 2007 Federal Mattress Flammability Standard. Mattresses made since then are required by law to be safer.
  • Keep combustible and flammable liquids away from heat sources.
  • Always refuel portable generators outdoors.
  
These items were provided by www.ready.gov

Wednesday, October 17, 2012

What to do During & After a Fire


Here are some tips to help you and your family during and after a fire:

During a Fire  
  • Crawl low under any smoke to your exit - heavy smoke and poisonous gases collect first along the ceiling.
  • When the smoke alarm sounds, get out fast. You may have only seconds to escape safely.
  • If there is smoke blocking your door or first way out, use your second way out.
  • Smoke is toxic. If you must escape through smoke, get low and go under the smoke to your way out.
  • Before opening a door, feel the doorknob and door. If either is hot, leave the door closed and use your second way out.
  • If there is smoke coming around the door, leave the door closed and use your second way out.
  • If you open a door, open it slowly. Be ready to shut it quickly if heavy smoke or fire is present.
  • If you can’t get to someone needing assistance, leave the home and call 9-1-1 or the fire department. Tell the emergency operator where the person is located.
  • If pets are trapped inside your home, tell firefighters right away.
  • If you can’t get out, close the door and cover vents and cracks around doors with cloth or tape to keep smoke out. Call 9-1-1 or your fire department. Say where you are and signal for help at the window with a light-colored cloth or a flashlight.

  • If your clothes catch fire, stop, drop, and roll – stop immediately, drop to the ground, and cover your face with your hands. Roll over and over or back and forth until the fire is out. If you or someone else cannot stop, drop, and roll, smother the flames with a blanket or towel. Use cool water to treat the burn immediately for 3 to 5 minutes. Cover with a clean, dry cloth. Get medical help right away by calling 9-1-1 or the fire department.
 
After a Fire

Recovering from a fire can be a physically and mentally draining process. When fire strikes lives are suddenly turned around. Often, the hardest part is knowing where to begin and who to contact.

The following checklist serves as a quick reference and guide for you to follow after a fire strikes.
  • Contact your local disaster relief service, such as The Red Cross, if you need temporary housing, food and medicines.
  • If you are insured, contact your insurance company for detailed instructions on protecting the property, conducting inventory and contacting fire damage restoration companies. If you are not insured, try contacting private organizations for aid and assistance.
  • Check with the fire department to make sure your residence is safe to enter. Be watchful of any structural damage caused by the fire.
  • The fire department should see that utilities are either safe to use or are disconnected before they leave the site. DO NOT attempt to reconnect utilities yourself.
  • Conduct an inventory of damaged property and items. Do not throw away any damaged goods until after an inventory is made.
  • Try to locate valuable documents and records. Refer to information on contacts and the replacement process inside this brochure.
  • If you leave your home, contact the local police department to let them know the site will be unoccupied.
  • Begin saving receipts for any money you spend related to fire loss. The receipts may be needed later by the insurance company and for verifying losses claimed on income tax.
  • Notify your mortgage company of the fire.
  • Check with an accountant or the Internal Revenue Service about special benefits for people recovering from fire loss. 
For more information on what you should do after a home fire, including valuing your property, replacing documents, and salvage hints, contact your local SBS Insurance Agent.  Also, check back this week for our last blog on Fire Prevention.

The above information was provided by www.ready.gov

Monday, October 15, 2012

Prepare your Family before a Fire

Here are some items to help your family be prepared for what might happen during a fire and what you can do before a fire to prepare.

CREATE AND PRACTICE A FIRE ESCAPE PLAN

In the event of a fire, remember that every second counts, so you and your family must always be prepared. Escape plans help you get out of your home quickly.
Twice each year, practice your home fire escape plan. Some tips to consider when preparing this plan include:
  • Find two ways to get out of each room.
  • If the primary way is blocked by fire or smoke, you will need a second way out. A secondary route might be a window onto a neighboring roof or a collapsible ladder for escape from upper story windows.
  • Make sure that windows are not stuck, or nailed or painted shut, and that the screens can be taken out quickly. Also make sure that security gratings on windows have a fire safety opening feature so they can be easily opened from the inside.
  • Practice feeling your way out of the house in the dark or with your eyes closed.
  • Windows and doors with security bars must have quick release devices to allow them to be opened immediately in an emergency. Make sure everyone in the family understands and practices how to properly operate and open locked or barred doors and windows.
  • Teach children not to hide from firefighters.
  • Teach family members to stay low to the floor (where the air is safer in a fire) when escaping from a fire.
  • Clean out storage areas. Do not let trash such as old newspapers and magazines accumulate.

Fire Escape Planning for Older Adults and
People Access or Functional Needs

  •  Live near an exit. You'll be safest on the ground floor if you live in an apartment building. If you live in a multi-story home, arrange to sleep on the ground floor, and near an exit.
  • If you use a walker or wheelchair, check all exits to be sure you get through the doorways.
  • Make any necessary accommodations, such as providing exit ramps and widening doorways, to facilitate an emergency escape.
  • Speak to your family members, building manager, or neighbors about your fire safety plan and practice it with them.
  • Contact your local fire department's non-emergency line and explain your special needs. Ask emergency providers to keep your special needs information on file.
  • Keep a phone near your bed and be ready to call 911 or your local emergency number if a fire occurs.

A properly installed and maintained smoke alarm is the only thing in your home that can alert you and your family to a fire 24 hours a day, seven days a week. A working smoke alarm significantly increases your chances of surviving a deadly home fire.
  • Install both ionization AND photoelectric smoke alarms, OR dual sensor smoke alarms, which contain both ionization and photoelectric smoke sensors
  • Test batteries monthly.
  • Replace batteries in battery-powered and hard-wired smoke alarms at least once a year (except non-replaceable 10-year lithium batteries)
  • Install smoke alarms on every level of your home, including the basement. The U.S. Fire Administration recommends installing smoke alarms both inside and outside of sleeping areas.
  • Always follow the manufacturer’s installation instructions when installing smoke alarms.
  • Replace the entire smoke alarm unit every 8-10 years or according to manufacturer’s instructions.
  • Never disable a smoke alarm while cooking – it can be a deadly mistake. Open a window or door and press the “hush” button, wave a towel at the alarm to clear the air, or move the entire alarm several feet away from the location.
  • Caregivers are encouraged to check the smoke alarms of those who are unable to do it themselves.
  • Audible alarms for visually impaired people should pause with a small window of silence between each successive cycle so that they can listen to instructions or voices of others.
  • Smoke alarms with a vibrating pad or flashing light are available for the hearing impaired. Contact your local fire department for information about obtaining a flashing or vibrating smoke alarm.
  • Smoke alarms with a strobe light outside the home to catch the attention of neighbors, and emergency call systems for summoning help, are also available.
  • Sleep with your door closed.
  • Only those trained in the proper use and maintenance of fire extinguishers should consider using them when appropriate. Contact your local fire department for information on training in your area and what kind to buy for your home.
  • Consider installing an automatic fire sprinkler system in your residence.
  • Ask your local fire department to inspect your residence for fire safety and prevention.
Check back this week for more information on how to what you need to do during a fire and how to prevent a fire!


The above information was provided by www.ready.gov

Wednesday, October 10, 2012

Fire Prevention Week!!!

Each year more than 2,500 people die and 12,600 are injured in home fires in the United States, with direct property loss due to home fires estimated at $7.3 billion annually. Home fires can be prevented!

To protect yourself, it is important to understand the basic characteristics of fire. Fire spreads quickly; there is no time to gather valuables or make a phone call. In just two minutes, a fire can become life-threatening. In five minutes, a residence can be engulfed in flames.

Heat and smoke from fire can be more dangerous than the flames. Inhaling the super-hot air can sear your lungs. Fire produces poisonous gases that make you disoriented and drowsy. Instead of being awakened by a fire, you may fall into a deeper sleep. Asphyxiation is the leading cause of fire deaths, exceeding burns by a three-to-one ratio.

Every day Americans experience the horror of fire but most people don't understand fire.

Fire is FAST!

There is little time! In less than 30 seconds a small flame can get completely out of control and turn into a major fire. It only takes minutes for thick black smoke to fill a house or for it to be engulfed in flames. Most deadly fires occur in the home when people are asleep. If you wake up to a fire, you won't have time to grab valuables because fire spreads too quickly and the smoke is too thick. There is only time to escape.

Fire is HOT!

Heat is more threatening than flames. A fire's heat alone can kill. Room temperatures in a fire can be 100 degrees at floor level and rise to 600 degrees at eye level. Inhaling this super-hot air will scorch your lungs. This heat can melt clothes to your skin. In five minutes, a room can get so hot that everything in it ignites at once: this is called flashover.

Fire is DARK!

Fire isn't bright, it's pitch black. Fire starts bright, but quickly produces black smoke and complete darkness. If you wake up to a fire you may be blinded, disoriented and unable to find your way around the home you've lived in for years.

Fire is DEADLY!

Smoke and toxic gases kill more people than flames do. Fire uses up the oxygen you need and produces smoke and poisonous gases that kill. Breathing even small amounts of smoke and toxic gases can make you drowsy, disoriented and short of breath. The odorless, colorless fumes can lull you into a deep sleep before the flames reach your door. You may not wake up in time to escape.

Only when we know the true nature of fire can we prepare our families and ourselves.

Check back this week for more information on how to prevent fires as well as preparing you and your family before, during and after a fire!

The above information was provided by www.ready.gov 

Friday, October 5, 2012

Is Your Home Ready for Winter?



Old Man Winter will soon be unleashing his full fury. Is your home ready for the onslaught of snow, ice and cold winds? If not, the time to prepare is now, before the first storm strikes and your home suffers significant damage from the freezing temps and winter conditions. To help families and businesses protect themselves against winter risks and enjoy the season, below you will find some tips that can help your family prepare for risks and hazards that may come during the winter months.
Typical homeowner’s insurance policies protect against winter-related disasters such as burst pipes, ice dams, wind and damage caused by the weight of ice or snow. But you can save yourself a huge headache and probably higher insurance premiums by acting now to head off these winter-caused damages. Check with your agent to verify coverage.
Snow or ice is the fifth leading cause of homeowners’ insurance claims. Also, according to the Insurance Information Institute (I.I.I.), the average homeowners’ claim for water damage and freezing is a whopping $5,531. Follow these tips to protect you and your home from serious financial liability:
Prevent Ice Dams — An ice dam is caused by the ice buildup at the lower edge of a sloped roof near the gutter. It starts when the interior heat of your home escapes through the attic and melts the snow or ice on the roof. The water runs down and refreezes at the roof’s edge. Over time, ice builds up and blocks water from properly draining off the roof. With no place to drain, the water seeps under the roof shingles and into your attic and the inside walls of your house, causing serve damage that can ultimately lead to mold and other problems.
  
To prevent ice dams, remove leaves, sticks and other debris from gutters or install gutter guards (available in most hardware home stores) that will prevent debris from getting in the gutter and interfering with drainage. You should also keep your attic no more than 10 degrees warmer than the outside temperature and well ventilated. The cooler the attic the less likely that ice and snow will melt and refreeze on the roof. Also, keep your attic floor well insulated so the heat stays in the house instead of escaping through the roof.
“Watch Out for That Tree!”—Trees and branches weakened by snow, ice and wind can snap and seriously hurt a person on your property as well as cause serious damage to your home or car. Trimming trees and removing dead branches can help prevent serious damage and injuries.
Roof Care and Repair—High winds, snow and ice can damage a roof. Check the structural ability of the roof to sustain unusually heavy weight from the accumulation of snow and ice. After a heavy storm check for water stains in the attic and on any overhangs. Lastly, repair or replace split or loose shingles and fix any leaks.
Pipe Dreams… and Nightmares—First, the bad news: Frozen or broken water pipes disrupt hundreds of thousands of American lives every winter. Pipes located in attics, outside walls and crawl spaces are most susceptible to freezing in cold weather. To prevent bursting pipes take these preventive steps:
  • Keep the inside temperature of your home at 65 degrees or warmer.
  • Wrap heating tape and/or standard insulation around pipes wherever possible.
  • Look for pipes with cracks or leaks —they freeze first.
  • Keep cabinet doors open during cold spells to allow warm air to circulate around pipes (particularly in the kitchen and bathroom).
  • Leave faucets on at a slow trickle; use this step especially when the plumbing runs through unheated or exposed areas.
  • If you’re leaving your home for several days, turn off the water completely and drain the pipes, or keep water dripping through one or two faucets, as moving water prevents freezing. However, if you are leaving your home for an extended period of time, plan to turn the water off. It also helps to have someone check your home every day while you are gone.
  • If your pipes do freeze, quickly shut off the water and immediately call a plumber.
Prevent Personal Injuries—Homeowners are liable for any injuries that occur on their property. Keep kitty litter, sand or rock salt on hand to sprinkle over frozen driveways, walkways or sidewalks. Additionally, ensure that your outdoor steps and guardrails are in good repair to prevent injuries from falls on ice.
  
Here are a few more tidbits to help you prepare to protect your family this winter:
  • Have your heating system inspected by a certified technician to ensure that it is working properly.  Doing so could prevent more costly repairs and a couple cold nights.
  • Check your smoke detectors to ensure they are working properly. Also, buy a carbon monoxide detector if you don’t already have one.
  • Have your house’s chimney checked and cleaned, if necessary, to minimize fire hazard.
  • Drain and shut off outside water spigots.
  • Turn off portable or space heaters before going to bed or leaving your home.
  • Never use heaters that burn kerosene or similar fuels in the home. They could ignite a fire and cause a build-up of carbon monoxide gases.
  • Store combustible materials away from furnaces, fireplaces and portable heaters. 
Contact your local SBS Insurance Agent today to make sure that your home is fully protected against everything that Old Man Winter will dish out this coming winter. We will review your homeowners insurance policy with you and will recommend any necessary additions to your insurance coverage.

Tuesday, September 25, 2012

Why & How to buy Life Insurance?

If you’re young and in good health, you probably have never thought much about life insurance. But have you ever considered what financial obligations might still exist if you died? In addition to funeral costs and current bills, what about family living expenses, mortgage payments, long-term debt and college costs? The primary purpose of life insurance is to provide resources for all of these expenses.
With the economy still struggling, many Americans may have or have had to choose between paying bills and buying life insurance. The decision to go without life insurance could put families at financial risk during a time of emotional and financial stress, leaving them unprepared for the future.

According to a study done by LIMRA, three in 10 American households (35 million) are uninsured, and half say they need more life insurance. The survey also showed:
  • 95 million Americans have no life insurance, and those who make between $35,000 and $100,000 a year represent the largest group of these households.
  • Seven in 10 women agree having life insurance is a necessity and all people should have it.
  • One-third of married women do not have life insurance, despite the fact that 7 out of 10 households are dual income.
  • More than half of Generation X and Y households need more life insurance.
As you are facing the strain of today’s economy, think how your family or business would fare if you were to die leaving no income and unpaid financial obligations. This is a problem that can be solved easily and economically through the use of life insurance.
Contact your local SBS Insurance agent, a Trusted Choice® insurance professional about your specific needs for life insurance.

To access the Life Needs calculator please go to http://www.lifehappens.org/life-insurance-needs-calculator/ .  This is even available on your iPhone or IPad with a free download thru iTunes.

Wednesday, September 19, 2012

Buddy “Cake Boss” Valastro is the spokeperson this year for Life Insurance Awareness

Life Insurance Awareness Month is observed every September. This year’s theme is “Life Happens,” something we hope you keep in mind when it comes to reviewing your life insurance coverage and becoming more educated about not letting life just happen.

The 2012 spokesperson is Buddy “the Cake Boss” Valastro. After losing his father and being forced to drop out of high school to keep the family business afloat, Buddy learned firsthand what happens when there is no life insurance protection. Buddy’s story is an example of many that are shared during Life Insurance Awareness Month.

A Challenging Path to Success


As a boy, Buddy Valastro’s dream was to work alongside his father in the family bakery to help make it a household name. But that dream was blown off course on his 17th birthday. That’s the day his father, 54, was diagnosed with lung cancer. He died just three weeks later.

Buddy lost his best friend and mentor. And his family lost its breadwinner. Buddy had to drop out of high school to run the family business. That meant 12- to 18-hour workdays, six days a week and overseeing 30 employees. “It was a huge amount of pressure,” says Buddy. “And there were many days I didn’t think I could pull it off.”

Buddy’s situation was made more challenging by the fact that his father didn’t have life insurance. “If there had been life insurance, I know things would have been a lot easier. I could have hired more people, worried less and had time to grieve,” says Buddy.

Always Have a Backup Plan

Today, Carlo’s Bake Shop is a household name. Much of that success is due to meticulous planning. Buddy leaves nothing to chance. A finished cake goes crashing to the floor? It may make for entertaining TV, but Buddy always has a backup plan. He has extra sponge cake and sugar flowers on hand to create something new, just in case.

He feels the same way when it comes to taking care of his wife, Lisa, and their four children. No one expects to die prematurely, but Buddy learned at 17 that it’s critical to have a backup plan for your family. Buddy bought life insurance when his first child was born and has increased his coverage as his family and business have grown. “If people depend on you, you have to protect them with life insurance,” he says.

Your family’s financial future is too important to leave to chance. Contact your local SBS Insurance Agent to obtain more information or to receive quotes for Life Insurance.

Information provided by http://www.lifehappens.org/ feel free to visit the website for Buddy’s video (http://www.lifehappens.org/its-life-insurance-awareness-month/) and additional information.

Wednesday, September 12, 2012

September is Life Insurance Awareness Month.. Insure your love today

Life insurance can do some pretty amazing things for people. It can buy loved ones time to grieve. It can pay off debts and loans, providing surviving family members with the chance to move on with a clean slate. It can keep families in their homes and pre-fund a child’s college education. It can keep a family business in the family. It can provide a stream of income for a family to live on for a period of time. Life insurance can do all of these wonderful things for your family…there’s just one small catch. You need to own life insurance.

There’s a growing crisis of too many Americans not having adequate life insurance protection. According to the industry research group LIMRA, 30 percent of US households have no life insurance whatsoever. Today there are 11 million fewer American households covered by life insurance compared with six years ago. Here’s the bottom line: A majority of families either have no life insurance or not enough, leaving them one accident or terminal illness away from a financial catastrophe for their loved ones.

What if you were suddenly gone and your family had to manage on their own? When was the last time you did the math to make sure your loved ones would be OK financially? Have you checked with your employer to find out what kind of life insurance benefit you have through work and whether you have the option to increase your coverage? When was the last time you had your life insurance needs reviewed by an insurance professional?

Your family’s financial future is too important to leave to chance.   Contact your local SBS Insurance Agent to obtain more information or receive quotes for Life Insurance.

Thursday, September 6, 2012

Seat belts save over 13,000 lives every year

“No one can predict when they will be involved in a motor vehicle crash, yet almost all of us will be involved in an automobile crash in our lifetime. Last year, 382 people lost their lives on Kansas roadways and 50 percent of them were unbuckled,” said Cherie Sage, State Director for Safe Kids Kansas. “The single most effective means of protecting the lives of you and your passengers is wearing seat belts and using appropriate child restraints every time you ride in the vehicle – even short distances.”


According to the 2011 KDOT Safety Belt survey, only 83 percent of those surveyed ages 14 and older were wearing their seat belt. This is around the national average of 84 percent. In 2010, Kansas ranked 36th in the nation in seat belt usage.

“It is important that Kansans get the message that seat belts save lives,” stated Sage. “An average of 93 people die each day in motor vehicle crashes nationally; that’s an average of one death every 16 minutes. This is unacceptable.”

Here are the top 5 things you should know about buckling up:

1. Buckling up is the SINGLE MOST EFFECTIVE thing you can do to protect yourself in a crash.

2. Air bags are designed to work WITH seat belts, not replace them.

3. Buckle up safely … Place the shoulder belt across the middle of your chest and away from your neck. Adjust the lap belt across your hips, below your stomach and NEVER put the shoulder belt behind your back or under an arm.

4. FIT MATTERS -- before you buy a new car, check to see that its seat belts are a good fit for you. Ask your dealer about seat belt adjusters, which can help you get the best fit.

5. Everyone in the car should BUCKLE UP, regardless of their seat position.


For more information about safety belt or child safety seat use, visit

Friday, August 10, 2012

Counting Down to College? Be Sure Your Insurance Still Adds Up

 
 
All over America the latest migration of students prepares to descend on college campuses. Depending on whether your student is facing year one or is farther along the higher education highway, their individual stress levels may range from sheer terror to borderline boredom. For you, concerns may be running the gamut from empty nest issues to “How are we going to pay for this?”

 
 Not that we want to add any wood to the mental and emotional fires, but college-bound season is also the perfect time to schedule a session with your local SBS Insurance agent.
  
College raises a plethora of insurance issues that are far better addressed prior to departure than after. Here are just a few questions to consider:
  • How will your home insurance cover a personal property loss at college? While in your day packing for school may have meant a few boxes and one large suitcase, moving day on today’s campuses typically involves trucks and trailers. How much will your student be carting off to his or her dorm or apartment? Will it be properly covered for such losses as theft or fire under your current coverage or will adequate coverage require endorsements or even a separate policy?
  • Will your student be part-time? In a dorm, apartment or rented house? All of these variables, especially for part-time students, can have an impact on your current protection and dictate a need for modifying your policy or purchasing a new one.
  • How does coverage apply to laptops? For broader coverage, items such as laptops should be scheduled. Contact your local agent for more details.
  • What about liability protection? Yours as well as that of your student? There are a multitude of liability issues that may arise from a family member living elsewhere. Some are common to any such arrangement; others are unique to college students and their parents.
The good news is these are not isolated issues, but simply questions faced by every parent and student as the college years begin. The great news is they also are handled regularly by your SBS Insurance agent, and he or she will be happy to sit down with you and your student to provide answers, advice and options. You may discover your current coverages respond to all or the vast majority of your concerns, and little need be done. If action is needed to assure your current protection will be there at time of need, you and your agent can make those choices at the best possible time—now, before that need arises.
 
Congratulations to your and your student as you together pursue a great future! It will be a rewarding, but sometimes wild ride! Be sure to take your SBS Insurance agent along.
 
Information provided by Trusted Choice (www.trustedchoice.com)

Tuesday, July 31, 2012

Back-to-School Driving Tips for Student and Parents



School is back in session and many high school and college students will be driving more as they commute to and from school, which makes now a good time to remind your student driver about safe driving practices.

In 2009, approximately 3,000 teens in the United States were killed in car crashes and more than 350,000 were treated for crash-related injuries, according to the National Highway Traffic Safety Administration and the Center for Disease Control. Don’t let your student driver become part of this statistic – encourage him to stay focused while on the road and follow these safety tips:

* Don’t talk on the phone or text while driving. Not only is texting or using a hand-held phone while driving illegal in many states, it’s also a dangerous distraction. Of those killed in crashes caused by distracted driving, 18 percent were the result of using a cell phone while driving. Using a cell phone while driving – even with a hands-free device – delays a driver’s reaction as much as having a blood alcohol concentration of .08 percent, according to the University of Utah.
* Always wear a seat belt and make all your passengers wear one, too.

* Abide by the speed limit. Going too fast gives you less time to stop or react. Excessive speed is one of the top causes of teenage car accidents.

* Don’t drink and drive or ride with someone who has consumed alcohol. If you need a ride call a friend, family member, or taxi. Car crashes are the No. 1 cause of death for teens and one of three of these crashes is alcohol related.

* Keep the music down. Driving with the volume on the stereo turned up may seem harmless, but it can be just as much of a distraction as using a cell phone.

* Don’t try to squeeze too many people into a car. You should never have more people in a car than you do seat belts.

* Abide by all traffic lights and signs. Don’t run red lights or stop signs, and make sure the intersection is clear even if the light is green.

Keeping your student driver safe on the road is important and part of that means making sure he has the appropriate auto insurance coverage.   Contact your local SBS Insurance agent to help you find the right coverage for your student driver and answer any questions you have about the insurance. You should also ask your agent about student driver discounts, such as the good student discount, which can save on your premium if your student has a B average. Student drivers who have completed an accredited driver education or training course may also be eligible for a discounted auto insurance rate.

Information provided by Trusted Choice (www.trustedchoice.com)

Tuesday, June 26, 2012

Enjoy your holiday by being Firework smart!

Fireworks are a wonderful way to celebrate holidays. But they must be used carefully!

Please see the following items to help make your holiday a safer one to enjoy!

Before:
Choose an open area away from spectators, homes and buildings and dry vegetation. Use a garden hose to wet down the area before firing. And be sure to put on your safety glasses before starting your display.

During:
As each device burns out, soak it using a hose, or bucket of water.

After:
Place all used items in a covered, fireproof container and leave it outside and away from homes and buildings.

And remember the following fireworks safety tips:

· Use fireworks outdoors only.
· Obey local laws. If fireworks are not legal where you live, do not use them.
· Always have water handy. (A hose or bucket).
· Only use fireworks as intended. Don't try to alter them or combine them.
· Never relight a "dud" firework. Wait 20 minutes and then soak it in a bucket of water.
· Use common sense. Spectators should keep a safe distance from the shooter and the shooter should wear safety glasses.
· Alcohol and fireworks do not mix. Have a "designated shooter."
· Only persons over the age of 12 should be allowed to handle sparklers of any type.
· Do not ever use homemade fireworks of illegal explosives: They can kill you! Report illegal explosives to the fire or police department in your community.

SBS Insurance Agency invites you to celebrate our nation's heritage on the Fourth of July, but celebrate safely.

All information has been provided by The National Council on Fireworks Safety.



Monday, May 21, 2012

This Summer, Get In the Water—and Get Out, Safely

A cool swim on a hot day is an American tradition. As temperatures rise, most folks want to get into the water—whether at the ocean, lake or pool.


Pools present dangers, particularly for young kids. Each year, some 3,500 deaths—about 10 per day—are cause by drowning, according to The Centers for Disease Control and Prevention (CDC). And another 4,000 people are treated at hospital emergency visits total for injuries and trauma related to pool accidents.

The Consumer Product Safety Commission (CPSC) notes that drowning is the second-leading cause of injury death for children ages one to 14. Each year, 283 children under age five die in America’s pools and spas, a statistic that has worsened since the turn of the century. Most deaths and injuries related to pools occur on residential properties. Most involve children ages one to two, according to the commission.

Here are the problems that lead to children drowning in pools:

Unprotected pools. Pools must be treated as attractive nuisances, meaning children will want to get to them to play. One risk: Pools with a three-sided fence where the home forms the fourth side of the barrier. That simply means children can gain access to the water through a door rather than over a fence. Other problems include frost heaving that opens a gap in a fence gate, and wooden fences that rot and break.

“Little children are fiendishly clever and they can get away,” pointed out Dr. Jonathan Midgett of the CPSC. “For those brief moments when children elude us, we need layers of protection around our pools. The more obstacles between your child and the pool, the better! Fences need to isolate the pool from the house; have well-maintained self-closing, self-latching gates; and [have] back-up layers of protection, like sensors and alarms.”

Faulty equipment. Suction outlets in pools and whirlpools are a hazard to catch hair and fingers. Anti-entrapment drain covers must be secured in place.

No rules for the pool. Parents may rely on a neighbor, friend or caregiver/babysitter when children are in a pool this summer. Children must be made to understand that, whoever the authority figure is, they must respect that person’s directions. Make safety rules for the pool clear before anyone sets foot inside the pool area.

Poor supervision. Doctors put it bluntly. “Never leave your children alone in or near the pool, even for a moment,” advises the American Academy of Pediatrics.

The doctors’ group adds a rule of “touch supervision” with children younger than five years. This means that the supervising adult is within an arm’s length of the child at all times.

Children can drown in a pool full of people. This happens when no one adult is designated to supervise the pool or if the supervisor isn’t paying proper attention. The CPSC recommends at least one adult taking responsible for watching children around the water.

“This person should avoid distracting activities that can take their attention away,” explained Dr. Julie Gilchrist of the CDC. Distractions include: playing cards, reading, checking e-mail, and talking on the phone. In the time it takes to do these things, a child may quietly slip under water. “Drownings happen quickly and usually silently,” she added.

Anyone who owns or uses a pool should consider learning basic first aid and cardio-pulmonary resuscitation (CPR). “CPR can make a big difference by reducing the likelihood of brain damage in the few minutes it takes for 911 emergency responders to arrive,” Gilchrist, a medical epidemiologist, noted.

Swim lessons. Learning to swim is not just recreational, but a way to teach children how to save themselves, noted the CDC. Yet even strong swimmers must be supervised, no matter what age.

Any homeowner who has a pool—whether in-ground, above ground, or inflatable/temporary— should have liability insurance coverage, including umbrella liability coverage. Contact your SBS Insurance agent to review homeowners and liability insurance protection.

Thursday, April 26, 2012

SBS welcomes John Jost

SBS Insurance is pleased to announce the addition of John Jost to the SBS team. John and wife Tory (Hecht), recently returned to the area to raise their children; sons Collin and Ethan and daughter Anna. The Jost family moved from St. Marys, Kansas where John was Vice President of the St. Marys branch of Kaw Valley State Bank, headquartered in Wamego.

John managed the St. Marys location where he handled many areas of the bank including commercial & agricultural lending, deposit growth, and credit life programs. John comes to SBS with over 7 years of banking experience and earned a certificate from the Graduate School of Banking, Wisconsin in 2010. While in St. Marys he was involved with many organizations including the Chamber of Commerce, St. Marys United Methodist Church, and St. Marys Golf Course.

John will be serving the insurance needs of the customers in SBS Insurance’s Bern office and looks forward to getting to know the people of that community better. John and his family attend Northridge Church in Sabetha, Kansas and are involved in the family farming operation.

SBS Insurance is an independent insurance agency with locations in Bern, Sabetha, Seneca, Hiawatha and Axtell.

Thursday, April 19, 2012

SBS Insurance Hiawatha is Spring Tea Participant

The 10th annual Spring Tea was held on April 15, 2012 at the Fischer Center in Hiawatha, KS. The SBS Hiawatha agency was invited to design and decorate a Tea Table for the event that is a fund raiser for the Morrill Public library. Table viewing and a silent action took place before the "afternoon tea" in which hors d'oeuvres and desserts were provided along with the tea. A separate tea for young children and teens was also provided with specific entertainment at each. There were 31 different tables decorated by area businesses, organizations and individuals. This is a fun and creative way for anyone to support the local library and will continue for many years.




Nancy Daeschner and Andrea Groth designed & decorated table "Transform into a Butterfly” featuring two full color books on butterflies.

For additional photo's of the other tables and this great fundraiser visit the Morrill Public Library website: http://www.hiawathalibrary.org/.