Important Chimney Maintenance Tips You need To Know

Date: October 23, 2024 Author: Rinehart Insurance

In spite of the ambiance and relaxation that a fireplace provides, there are also inherent fire dangers. To combat the risk of fire or inhalation of dangerous carbon monoxide (CO) gas, it is important for you to make chimney maintenance part of your home maintenance plan. Follow these tips to keep your chimney in good shape and prevent fire hazards.

General Chimney Maintenance Tips

Both metal and masonry chimneys require maintenance so that smoke and flue gases are ventilated properly. At the very least, you should have your chimney inspected annually before each heating season. In addition:

Have your chimney cleaned on a regular basis to reduce creosote buildup.
Make sure your masonry chimney has a flue liner in place to reduce the possibility that the masonry could absorb creosote.
Replace damaged liners, as they will allow creosote to accumulate and heat to escape.
When hiring someone to reline your chimney, only allow the contractor to use a product that has been tested and listed by a nationally recognized testing laboratory.

Specific Chimney Maintenance Tips

There are two types of chimneys that require specific maintenance to limit the risks in your home.

Fireplace inserts—Make sure the vent is connected to the flue of the chimney.
Factory-built metal chimneys—Do not use natural gas, fuel oil vents, well casing, stovepipe or other material in the chimney, as they cannot withstand the heat in the wood burner.

Keep These Precautions in Mind

Do not vent more than one heater or appliance into a single flue, as major complications can arise. If one fuel-burning appliance is connected to a flue and then you attach another appliance, such as a water heater, you are running the risk of various problems. Such problems include heavy creosote accumulation, deterioration of the flue or CO gas drifting into your home.

For additional home maintenance guidance and homeowners insurance solutions, contact us today.

How To Stay Healthy And Avoid The Flu This Fall

Date: September 11, 2024 Author: Rinehart Insurance

It’s that time of year again. The leaves are changing, the temperature is getting cooler, and you’re doing everything you can to avoid the flu. No one enjoys being sick, but some of us are more prone to sickness than others. Knowing where you are most likely to come into contact with germs and what you can do to prevent sickness are key for this fall season.

Germ Hot Spots

There are several “hot spots” to keep in mind when it comes to germs.

Doorknobs
Light Switches
Elevator buttons
Water fountain handles
Microwave door handles
Telephones
Bathroom faucets
Handrails

These areas are high traffic areas that can be touched by numerous people. When you touch a doorknob you never know if the person who touched it before you sneezed into their hand and didn’t was it. Yuck!

What You Can Do to Help Yourself Avoid The Flu

Wash your hands. Even if you are cautious of what you touch, there is a chance you’ve still come into contact with some germ. To protect yourself from illness, it’s important to wash your hands regularly, especially before you eat or after you cough, sneeze or use the restroom.
Keep your distance. Illnesses can spread fast. Keep your distance from others who are sick.
Get the flu shot. Yearly flu shots are the single best way to prevent getting sick. Contrary to popular belief, flu vaccines cannot cause the flu, though side effects may occur. Often, these side effects are minor and may include congestion, coughs, headaches, abdominal pain and wheezing.
- Did you know many health insurance plans cover the flu shot at 100% or a small copay? If you need help determining your health insurance benefits, we can help. Give us a call or click here or here to learn more about health insurance benefits.

Taking the extra time to wash hands and wipe down surfaces could mean the difference between a happy fall and an unpleasant fall spent on the couch sick. Stay healthy and do your part to spread the word to others.

Do You Know How to Address Employee Burnout?

Date: August 28, 2024 Author: Rinehart Insurance

Employee burnout is escalating globally, with a significant number of workers experiencing severe physical, emotional and mental exhaustion. The 2024 Global Talent Trends report reveals that approximately 82% of employees are at risk of burnout, primarily due to financial pressures and excessive workloads.

Burnout occurs when long-term stress overwhelms employees’ ability to cope, leading to lower productivity, negative feelings and a diminished sense of effectiveness at work. It can also result in serious health consequences, such as insomnia and heart disease.

As substantial burnout levels persist, it’s important for employers to recognize the signs and implement preventive measures to create a healthier, more productive work environment.

Spotting Signs of Employee Burnout

Recognizing burnout is the first step toward addressing it. Check with your employees if they exhibit the following symptoms:

Persistent tiredness and lack of energy
Noticeable decline in productivity, creativity and efficiency
Feelings of disconnection from colleagues and a lack of enthusiasm for work
Increased irritability, anxiety and depression
Frequent headaches, muscle pain and other stress-related ailments

Tips for Preventing Employee Burnout

Creating a work culture that values employee well-being is essential in preventing burnout. Here are some strategies your organization can adopt:

Encourage employees to take “micro-breaks” (e.g., stretching, five- to 10-minute walks) during the day to help lower stress.
Establish a culture of care where workers feel comfortable discussing their stressors.
Schedule frequent, proactive check-ins with workers to address their well-being needs.
Train leaders to identify employees at risk of burnout and offer resources to support those affected.
Analyze how your employees collaborate and adjust systems to enable them to work more seamlessly.
Ensure workloads are manageable and distributed fairly.
Be flexible and understanding with work schedules and deadlines.
Encourage workers to use their vacation days and disconnect from work after hours.
Provide career development programs that can keep employees motivated and reduce feelings of stagnation.
Reinforce a positive work environment by regularly acknowledging employees’ hard work and contributions.
Share resources and tools that can help improve mental and physical well-being.

Conclusion

Employee burnout is a widespread problem that can significantly impact organizations. As such, it’s crucial for employers to reassess their strategies and prioritize employee well-being.

For more workplace guidance, contact us today.

5 Quick Tips About Motorcycle Safety

Date: August 14, 2024 Author: Rinehart Insurance

Summer is in full swing and it’s time to get in a few road trips. It is unfortunate, but there is a growing trend in the number of motorcycle accidents and fatalities each year, making motorcycle safety a real concern for riders and their families. There are many organizations that have created signs, commercials, radio ads, etc cautioning motorists to look out for motorcycles and they have done a great job in promoting safety for riders. As a motorcycle rider yourself, you also should do your part to ensure your own motorcycle safety.

Regardless if you cruise across the country or across town, there are some universal motorcycle safety tips to keep in mind.

1) Always wear a helmet and other appropriate gear. Riding clothes should be bright, reflective or easy for passing or following motorists to see. Your motorcycle is smaller then the other vehicles on the road so make sure to make yourself as visible as possible. In the event of an accident, a helmet will help protect you from a fatal head injury.

2) Be cautious of the road conditions. Hazards such as potholes, cracks and bumps in the road and even road kill can throw you off balance and cause you to loose control of the motorcycle. Gravel roads can also be hazardous because of loose gravel which can cause you to skid. Rain can cause slippery roads from not only the water but oily road grime.

3) Do not drink alcohol or use drugs while operating a motorcycle. Just like in a motor vehicle you should never drink and drive. Alcohol and drugs will lower your response time and cloud your judgment. It’s especially dangerous on a motorcycle because there will be no metal frame surrounding your or airbags to deploy in the event of an accident.

4) Follow posted speed limits and road rules just like when you are in any other motor vehicle. Just because your motorcycle is smaller, stay in your lane of traffic. Do not weave in and out of traffic between cars, even at traffic stops, just because you can fit. Always use turn signals to warn motorists of your intentions.

5) Use extra caution when carrying passengers. There will be extra weight along with another person’s balance to adjust for. Inexperienced passengers will not know to lean into turns for example and can throw off the balance of the bike. If your passenger is inexperienced, go over a few “rules of the road” with them before you leave.

Just like on your personal car or truck, you will also need to maintain insurance coverage on your motorcycle.

- Liability Insurance Coverage will cover bodily injury and proper damage that you may cause to other people involved in an accident

- Collision Insurance Coverage will cover damages, minus your deductible, to your motorcycle if you are involved in an accident.

- Comprehensive Insurance Coverage will cover damages caused by an event other than a collision, such as fire, theft or vandalism and will be subject to your deductible

- Uninsured/Underinsured Motorists Coverage will cover damages to you and our property caused by another driver that is uninsured or underinsured to cover your damages.

The safety of you and any passengers is the most important part of motorcycle safety. Have a fun, safe, rest of the summer and hit the road and see some amazing sites!! But don’t forget to review your insurance to ensure you understand your coverage and that it is up to date. Have questions? We can help!

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Important Swimming Safety Tips To Keep Your Family Safe

Date: August 7, 2024 Author: Rinehart Insurance

The warm weather is here and it’s the perfect time of year to do some swimming. But don’t forget to refresh your memory on swimming safety. Drowning is the fifth leading cause of unintentional injury-related death in the United States. Knowing how to swim and following these safety tips will help keep you and your children safe. Explain swimming safety to children when young, and reinforce its importance regularly.

Swimming Pools

Do not dive unless it’s deep enough to dive safely—it is recommended not to dive head-first in water less than nine feet deep, and not to dive at all into water less than five feet deep. If depth is not posted, ask a lifeguard.
Always monitor children, even if lifeguards are present.
Always review and follow posted water safety rules.
Avoid swimming alone, and make sure your child uses the buddy system if swimming with friends.
Never run near a pool—slipping can be dangerous.
If you are just learning to swim, stay in an area of the pool where you can stand.
Pool toys are not designed to be safety flotation devices—keep life jackets or life rings close at hand.

Lakes and Ponds

Wear water shoes to protect your feet from jagged rocks, broken bottles, trash, etc.
Be cautious and inch out to avoid unexpected drop-offs.
Be careful of weeds, which can trap your feet. If you do get tangled, slowly pull and shake your arms and legs to get loose.
Stay away from boats, jet skis and other motorized water vehicles.

Oceans

Pay attention to water conditions and wave strength. If it seems unsafe, don’t go in the water.
Strong currents can carry swimmers away from shore quickly. If you get caught in a current, swim parallel to the shoreline until the water stops pulling you, and then swim straight back to shore. If you cannot safely make it back, tread water and call or signal somebody for assistance.
Watch out for jellyfish. If you get stung, find a lifeguard immediately to seek treatment, or call 911 if you have a severe reaction.
Never swim alone or at night.
Always swim in an area that is easily visible to others.
Wear water shoes to protect your feet from jagged rocks, broken bottles, trash, etc.
Do not swim extremely far out.

We hope these tips help to keep you and your family safe this summer.

Firework Safety Tips You Need To Know This 4th of July

Date: June 26, 2024 Author: Rinehart Insurance

Fireworks are a staple of many Fourth of July and other celebrations, but remember to take precautions to ensure your special event is safe and accident-free. Firework safety is crucial to ensure you and you family have a great 4th of July holiday.

The Risks

Unfortunately, many people do not realize just how dangerous fireworks and sparklers can be—which is a primary reason that injuries occur. Fireworks can not only injure the users, but can also affect bystanders.

Bottle rockets and firecrackers can fly in any direction and may explode on or near someone instead of up in the air. Sparklers are also a huge risk, as they burn at very high temperatures and are often given to children too young to use them safely. All fireworks pose potential risks of burn, blindness and other injury.

Firework Safety Tips for Safe Use

When using fireworks, always plan carefully in advance for who will shoot them and what safety precautions you will have in place. Here are some suggestions to ensure safety and avoid accidents:

Use fireworks and sparklers outdoors only.
Always have a hose or water bucket handy.
Only use fireworks as intended. Do not alter or combine them, and do not use homemade fireworks.
Keep spectators a safe distance away.
Never give sparklers to young children.

Wear safety goggles when handling or shooting off fireworks.
Do not shoot fireworks off if under the influence of alcohol.
Show children how to properly hold sparklers, how to stay far enough away from other children and what not to do (throw, run or fight with sparkler in hand)—but supervise closely, regardless.
Point fireworks away from people, homes, trees, etc.
Never try to relight a dud (a firework that didn’t properly ignite).
Soak all firework debris in water before throwing it away.
Do not carry fireworks in your pocket or shoot them from metal or glass containers.

Protection for Your Pets

Like thunderstorms or the vacuum cleaner, fireworks may frighten your family pets. To protect your pets from becoming stressed as a result of loud noises from fireworks:

Keep pets indoors away from loud noises in a place that is comfortable to them.
Allow pets to go to the bathroom before beginning your fireworks show to prevent accidents.

How To Keep Your Home And Family Safe From Lightning

Date: June 5, 2024 Author: Rinehart Insurance

National Lightning Safety Awareness Week runs from June 23-29 this year. As its name suggests, this campaign, started in 2001, attempts to raise awareness about the dangers of lightning and ensure people are as safe as possible during storms.

Lightning storms are incredibly dangerous, with the potential to cause serious harm to you or your family. In fact, getting struck by lightning could cause severe burns, brain damage or even cardiac arrest. That’s why it’s crucial to be prepared and respond appropriately if a storm approaches your area. When stormy conditions occur, remember the following guidance.

If you’re at your home during a lightning storm

Vacate outdoor areas of your home, including those that may be covered.
Make sure all windows and doors are shut.
Avoid tasks or activities involving water, such as showering, laundry or washing dishes.
Don’t use any electrical equipment that plugs directly into the wall (e.g., a corded phone, computer or television).
Do not rest on concrete surfaces, as lightning may travel through metal wires or bars within them.

If you’re outside during a lightning storm:

Get as close to the ground as possible without placing your hands or knees on the ground—never lay completely flat on the ground.
Avoid seeking shelter underneath trees.
Stay away from elevated areas—such as hills, cliffs or mountain ridges.
Get as far away from bodies of water or objects that could conduct electricity (e.g., wire fences or power lines) as possible.
If you are swimming, boating or fishing, seek shelter on land immediately

If Someone Gets Struck

If someone you know is struck by lightning, contact 911 immediately. If you have the proper medical training, administer CPR to victims who do not have a pulse and treat conscious victims for burns, fractures and other wounds while you wait for help to arrive.

For more additional home safety guidance and homeowners insurance solutions, contact us today.

Do You Have Allergies? 6 Helpful Tips For Allergy

Date: March 27, 2024 Author: Rinehart Insurance

Between the rain, new growth and house cleaning, chances are if you have allergies, you are miserable right about now. Whether you have seasonal allergies or suffer year round, there are steps you can take to help decrease your symptoms without having to stock up on medication.

Who is affected by allergies?

Though allergies can affect anyone, individuals with the following characteristics are afflicted more often:

Under 40 years old
Have at least one parent with allergies
Suffer from allergic conditions such as asthma

What are the symptoms?

Symptoms of allergies include:

Sneezing
Red, itchy or watery eyes
Dry throat
Stuffy nose

Tips to alleviate allergy symptoms:

To alleviate allergy symptoms, consider the following recommendations:

Stay indoors when the pollen count outside is high.
Keep your home clean and as dust-free as possible.
Place pillows, mattresses and duvets in allergen-proof encasements.
Use a vacuum cleaner with double bags, allergen-trapping bags or a HEPA filter.
Avoid having pets or going near others’ pets if you have animal allergies.
In your home, choose hardwood floors instead of carpeting.

Did you know?

According to the American Academy of Allergy and Immunology, about half of the U. S. population suffers from allergies. These negative reactions occur as a result of coming in contact with normally harmless substances. Some allergies change or disappear over time, while seasonal attacks will return at the same time each year for only a few weeks or months.

Healthy Hints

Treatment for most allergy symptoms is available over-the-counter or as a prescription from your physician. If your symptoms are severe or you don’t know what is causing you to have a reaction, an allergist can perform a test to pinpoint what you are allergic to. And don’t forget, allergy testing and treatment is usually covered by your health insurance.

Do you need help finding what your copay or out of pocket cost will be?

Call us today – 419-522-9892 – we can help.

How To Maintain Your Heart Health During American Heart Month

Date: February 7, 2024 Author: Rinehart Insurance

According to the Centers for Disease Control and Prevention, heart disease is the leading cause of death for men and women in the United States. While there are some risk factors that contribute to heart disease that you can’t control, there are also many things you can do to preserve your heart health.

Risk Factors

Here’s a list of largely preventable factors that increase your risk of heart disease:

Having high blood pressure
Having high cholesterol
Smoking or drinking alcohol
Being overweight or obese
Having a waist measurement greater than 40 inches (for men) or 35 inches (for women)
Having an inactive lifestyle
Having Type 2 diabetes
Keeping a poor diet high in saturated fat and cholesterol
Experiencing excess stress

Mitigating Your Risks

Use these tips to take control of your risks:

Do not smoke or use drugs.
Drink alcohol in moderation.
Maintain a healthy weight and get regular exercise.
Follow a low-fat, low-cholesterol diet.
Limit your sodium intake to between 1,500 and 2,400 milligrams per day.
Keep your stress levels under control.
Schedule regular medical checkups with your primary care physician.
Get your blood pressure and cholesterol checked regularly.

The Difference a Healthy Lifestyle Can Make

Combining regular physical activity with a healthy diet, adequate sleep, effective stress management and avoidance of tobacco slashes your risk of heart disease and premature death dramatically. By following this guidance, you can do your part to maintain your heart health for years to come.

Winter Driving Safety Tips Everyone Should To Know

Date: January 17, 2024 Author: Rinehart Insurance

Losing control of a car is undoubtedly one of the most frightening experiences behind the wheel. Unfortunately, it is a potential side effect when the temperatures turn frigid and the roads get slick with ice or snow. Being familiar with winter driving safety is critical to keep you and other drivers safe.

One of the most dangerous winter driving hazards is skidding, which, at high speeds, could result in a nasty crash. To prevent an unnecessary skid, slip or accident, consider the following accident prevention techniques.

Slow down ahead of turns and curves, as this will allow you to prepare for potential icy spots.
When at a curve, apply power slightly to the gas and steer steadily. Do not change directions abruptly and refrain from braking suddenly.
Be prepared for lane changes. Check your rearview mirror and blind spot, and then signal your direction to alert other motorists.
When changing lanes, move over in a long, gradual line with minimal steering changes.
Look out for ice patches, piles of wet leaves and shady areas. These areas are skidding hazards.
Anticipate stops by slowing down gradually, well ahead of intersections. These areas are generally slicker than other parts of the road because of the excess starting and stopping traffic.
Drive at reduced speeds. Slow your speed and increase your following distance behind the vehicle in front of you. This will allow for a larger buffer in case you start to lose control.
Avoid overpowering in deep snow.

Use a light foot on the accelerator (rather than slamming on the gas to move forward).

If You Start to Skid

If your car starts to skid, do not panic. Steer in the direction that the vehicle is sliding until you feel the wheels regain traction. Then, slowly straighten your wheels and keep rolling.

If you need to brake before your tires regain traction, apply the brake carefully so that you do not lock your wheels.

If you have an accident

In the unfortunate event you end up in an auto accident, we are here to help. Click here to learn what to do after an auto accident or contact us by clicking here.