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Autumn is a season of spectacular transformation. The air turns crisp, leaves paint the landscape in hues of amber and crimson, and we trade our shorts for cozy sweaters. But as we enjoy the beauty of the season, a different kind of preparation should be on our minds. Fall is the perfect transitional period to ensure our homes are safe, secure, and ready for the colder, harsher weather that winter will bring.
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As the leaves start to change and fall approaches, homeowners should take time to think about tree safety on their property. Trees add beauty, shade, and value, but they can also pose risks if not cared for properly, especially during autumn when weather can be unpredictable. Here are some important tips to keep in mind.
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Dryers are one of the most commonly used appliances in many homes, and like any hard-working machine, they need proper care. While it's easy to remember to clean the lint trap after each use, one often-overlooked chore is cleaning the dryer vent system itself. This small act of home maintenance may help prevent serious problems, including fires, inefficient drying, and expensive repairs.
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The 4th of July is a time to celebrate our nation's independence with family, friends, and fun. Whether you're planning a backyard barbecue, heading to the lake, or watching fireworks, it's important to keep safety in mind. At Schoen Insurance Agency, we want your Independence Day to be memorable for all the right reasons. Here are some key safety tips to help protect yourself, your loved ones, and your property this holiday.
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When it comes to fire prevention, many homeowners focus on the inside of their house –but your yard, deck, and roof are just as important. Wildfires and stray embers can spread quickly, and maintaining a fire-conscious exterior can help reduce the risk of damage. Here are some practical ways to help protect the outside of your home from fire hazards.
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A simple slip-and-fall accident on your property could cost you thousands—or even more—if you don't have the right liability coverage in your homeowners insurance. Many homeowners focus on protecting their house and belongings from disasters like fire or storms, but liability protection is just as crucial. Without it, you could be left financially vulnerable to lawsuits, medical bills, and legal fees.
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As winter sets in, many households turn to various heating sources to keep warm, from space heaters to fireplaces and furnaces. While these options provide much-needed comfort during colder months, they also come with safety risks if not used properly. Here's a guide to help you stay warm and safe this winter with essential tips for home heating safety, covering everything from space heaters and fireplaces to carbon monoxide awareness.
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When it comes to home improvement projects, picking the right contractor can make all the difference. The right contractor will ensure that the project is completed on time, within budget, and to your satisfaction. However, choosing a contractor can be daunting with so many options available. Here are some key factors to consider when picking a contractor for work on your home.
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As summer heats up, nothing beats the joy of taking a refreshing dip in the pool. However, ensuring safety around the pool, especially for kids and pets, is crucial. Here are some essential tips to keep everyone safe while enjoying the water.
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Spring is a time for renewal in Michigan, and that often means tackling some DIY projects around the house. But before you dive headfirst into those home improvement dreams, consider the potential hazards lurking beneath the surface. From electrical mishaps to structural risks, spring DIY projects come with a hidden layer of dangers that can turn a fun weekend project into a costly (and potentially dangerous) mess. Let's explore some of the common spring DIY risks and how to avoid them, ensuring your home improvements go off without a hitch.
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With colder temperatures and snow on the horizon for those located in the northern part of the country, this is the time of year to batten down the hatches as they say. In doing so, one of the most important factors to check is your insulation. Proper insulation not only keeps the cold out, but it also keeps the energy bills down.
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In a world full of visible dangers, the last thing anyone in Michigan wants to think about is the invisible ones. But they're there and, believe it or not, many of them may be lurking inside your home. According to the CDC, each year, approximately 430 people in the U.S. die from accidental carbon monoxide poisoning and more than 50,000 are treated for it. Mold is prevalent in an estimated 70 percent of American homes. And the EPA and Surgeon General attribute more than 21,000 annual deaths from lung cancer in the U.S. to radon exposure.
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Swimming pools are wonderful complements to summer weather. Few things are better than stepping outside your home for a cool dip, hosting poolside parties or watching your kids play themselves to exhaustion in the water. Most of us understand that pools also pose a danger but it is important to understand the extent of that danger, the components and preventative measures we can take to keep our pools safe.
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Does your home need a new paint job or a quick refresh on the trim? Are the gutters overflowing with the remains of fall foliage? Or are larger issues demanding immediate attention, like doors and windows, the roof, or the foundation? Whether you thrive on weekends filled with do-it-yourself projects or hide at the mere suggestion, summer's long days and generally agreeable weather in Michigan offer the ideal opportunity to take on the range of home maintenance and improvement tasks to preserve value and functionality for years to come. Here are a few considerations for fixing up the exterior of your home in the months to come.
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For many, summer ushers in sunny afternoons spent lounging by pools, floating lazy rivers, and taking the boat out for waterskiing, fishing, and all things wet and wonderful in Michigan. And, whether by a backyard kiddie pool or a local pond, children are particularly enamored, making water safety a foremost concern for parents.
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It's one of those things that's overlooked until it's absolutely necessary: a first aid kit. Whether you're relaxing at home, navigating five-o-clock traffic, or summer adventuring in your new RV, having a simple first aid kit can mean the difference between an inconvenience and an emergency.
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Summer's generally agreeable weather and extended daylight hours in Michigan make it an ideal season to tackle renovations, remodels, and other household fix-its. Still, these projects aren't without inherent challenges and risks. A little due diligence at the onset can do much to minimize unhappy surprises and make for successful, stress-free (or, at least, as close as it gets) renovations.
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The holiday season is upon us, meaning it's time to be jolly, gather with friends and family, and, hopefully, stay safe. But in addition to the things we're all wishing for, the holidays can bring some unwanted gifts in the form of accidents, damages, or injuries that might result in an insurance claim. So what are the most common holiday-related insurance claims and how can you avoid them? Read on to find out.
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As youngsters, the more serious-minded among us were vigilant about making the Scout motto "Be Prepared" a reality. Now with the latest round of fires, earthquakes and hurricanes, the old adage is more relevant than ever. Even in Michigan, we all have the potential to encounter the occasional unpredicted mishap. But few events can be as unpredictable, or devastating, as natural disasters: hurricanes, floods, wildfires, tsunamis, severe storms, tornadoes, and landslides, many of which we've been faced with lately.
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Most people these days are concerned about saving money and reducing their family's carbon footprint. We do this by turning off the lights, installing energy-saving devices, and making sure our homes are efficient in whatever ways we can. But did you know that there are many appliances in your home that may be using up energy and costing you money, even when they are completely turned off? Read on to learn more about these "energy vampires" and how you can prevent them from silently wasting your home's energy resources.
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Multiple studies have demonstrated that crime rates increase in the summer. Why? Well, the answer is complex, but researchers have suggested that some of the reasons include:
"Good fences make good neighbors," wrote Robert Frost in his poem "Mending Wall." And the legendary poet makes a good point, as fences can offer privacy, protect younger family members and pets as they spend time outdoors, and add to the aesthetics and value of a home.
You hear a lot about water conservation lately, but what about water quality? Where does a household's water even come from, how is it maintained, and how can you know if it's safe for you and your family? Here's what you need to know about the water in your home, and what might indicate a problem
This year, many of us got a much more up close and personal relationship with our families, our houses, and our things. And many of us realized: we have way too much of all three. While you can't get rid of your 6-year-old or your spouse, there are plenty of places you can go to unload excess stuff.
According to the U.S. Fire Administration, clothes dryerscontribute to nearly 3,000 fires, 5 deaths and over $35 million in property loss each year. So making sure your dryer vent is clear is a simple but important way to keep your home and family safer. Even in the absence of fire, clogged vents cause your dryer to be less effective resulting in greater use of electricity and more breakdowns. If you find your dryer is taking longer and longer to fully dry a load of laundry, chances are your vent has become blocked with lint.
All renters have rights. Some are guaranteed by law, while others will be outlined in your lease agreement. Here are some things you can do to be a savvy renter and protect yourself if things go wrong:
The season of ghosts, goblins, costumes and eating too much candy is here. Whether you're a Halloween enthusiast or just someone who loves fall, here are our top 5 home decorating tips, plus a few safety tips for the creepiest night of the year.
Becauseyou can't keep an eye on it all the time, you want your second home or rural property to stay well-maintained and protected. There are many things you can do to keep your land and buildings safe and prevent problems that can arise when a property is unattended.
The holidays are fraught this year. We miss our families and we want to see them. Here are some things you can do to stay on the sane side of family gatherings during a global pandemic.
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Babies and toddlers are a bit like puppies. They're curious. They don't have complete control of their bodies when they're still very young, and once they're mobile, look out! They put things into their mouths, and explore everything they can get their hands on. As a new parent, it's your job to minimize the risks around your home, so that your baby can play and explore without getting hurt... and without ruining the house.
A few short months ago, many of us, and around the world, quickly learned that we were not prepared for an emergency. And while it didn't turn out to be the type of emergency we thought it was; there was really no need to buy all that toilet paper. It reminded us that we are not invincible, and that we really should have an emergency plan and supplies in place. If you haven't already put together your own emergency plan and supplies, it's not too late. Take the following steps to make sure your family is prepared.
In some areas of the country, having an air conditioner is an absolute necessity. But in other areas, such as in the Rocky Mountain Regions, staying cool indoors takes some diligence and effort. Whether your home is equipped with AC or not, here are some things you can do to keep your spaces cooler this summer.
With COVID-19 fresh on the mind and social distancing a new way of life, this summer may not be like any in recent history. But having more time at home means you can't tackle some of those projects you've been putting on the back burner for months, or even years. Here are some ideas for projects to embark on this summer.
Summer is coming, and with that, gardeners everywhere are pulling on their gloves, dusting off their shovels, purchasing seeds, and getting into the dirt. Whether you're an experienced gardener or a novice, knowing how to keep your garden properly watered is an important skill to develop. Here are some tips to improve your watering game.
Should you sell your house without an agent? It depends on many factors. As we enter one of the prime buying and selling seasons of the year, here are some pros and cons of selling your home agent-free, along with a few tips to guide you through the process.
What would we do without our handy power strips? Those convenient blocks of electrical sockets, which enable us to convert one outlet into several, make it possible to plug in all the gear that we can't live without these days. A typical location for a power strip is the home office, where it helps computers, speakers, printers, monitors, and all sorts of other necessities come to life. But many households have power strips in multiple rooms, if not every room, since there are so many items that require plugging in these days. Hairstyling tools, cooking equipment, and phone chargers come to mind!
Most people rely on dozens of appliances to support their daily tasks and activities, including small but significant tools like alarm clocks or hairdryers; toasters and stand mixers; and heavy hitters like the dishwasher or washing machine. So, how do you keep your appliances running their best, and getting a good return for your investment by having them work for as many years as possible? Here are a few tips to improve the performance and longevity of appliances.
There are a variety of potentially serious and costly problems that can happen when you allow too much snow to pile up on your roof: water damage, leakage and in some extreme cases, collapse. If you're a homeowner who lives in a wintry climate, it's important to understand how snow and ice can impact your roof, preventative measures, and when to take action.
You put so much into the interior of your home, and maybe even its landscaping and outdoor spaces. But you may not have considered how the right outdoor lighting can protect your home and its contents; keep you and your family safe as you navigate walkways and entrances in the dark; and elevate your home's exterior and outdoor living areas. Here's what you need to know to begin the process of selecting and installing outdoor lighting for your home.
"Call before you dig" is a refrain you may have already heard from Public Service Announcements on the radio or TV in Oakland County. But many homeowners still ignore this basic advice, sometimes with deadly results. If you're planning to dig anywhere on your property, here's what you need to know--and do--to get the job done safely.
For those who live in snowy climates, winter is on the way. Take advantage of those sunny fall days in 48356 to prepare your home and yard for frigid temperatures and icy conditions before the snow flies. Making sure your home is well-maintained inside and out will keep you safe and protected through the winter season. Here's how to get ready:
Trampolines, swing sets and other backyard play equipment can be scream-your-head-off fun, but also incredibly dangerous in Wixom, MI. So how do you keep your kids safe, and what can you do to protect yourself in case something happens? Here are some things you should know, and steps you can take to make your backyard a haven for safe play:
In Oakland County, having a seasonal home in your favorite vacation spot is part of the American dream for many families. But a seasonal home requires maintenance and protection, which is difficult to do when you're not there most of the time. Since second homes and vacation homes often sit unoccupied for months, they can be a target for theft and vandalism. Plus, if a problem occurs, you might not be around to catch it before the damage becomes serious. For these reasons, second homes often carry more risk from the perspective of an insurance company. But that doesn't mean a second home can't still be a great investment. Here's what you should consider when purchasing and insuring your seasonal home.
Trees add a lot to a community and neighborhood in Michigan, and they even enhance the value of the properties they inhabit. But if not properly maintained, they can cause safety issues, increase the risk of fire, damage homes, interfere with power lines or plumbing; or become diseased and even die. Whether your trees are new, young or mature, don't leave their health up to chance. Here are some ways to maintain trees on your property.
Spring is here: The grass is turning green, flowers are budding, and birds are singing their songs from morning to night. Before you get too excited about the vegetation and the warmer weather, take a weekend to tend to your home's basic needs after a long winter. These important home maintenance tasks can save you time and money in the long run as well as prevent serious problems or safety hazards that could damage your home or put your family at risk.
We all love how fresh and wonderful a home can feel after a good spring cleaning; but getting started can be overwhelming. Fortunately, you don't have to clean your home perfectly to rejuvenate your living space. Here's how to get maximum results, whether you have a few hours, a few days, or no extra time at all.
Many popular winter sports such as skiing, snowboarding, snowmobiling, and even sledding can be high risk. Every year, thousands of people are treated for head injuries associated with these winter activities, and too many of those injuries turn out to be serious or, sometimes, fatal. January is National Winter Sports Traumatic Brain Injury Awareness Month. According to the American Association of Neurological Surgeons, sports injuries are rarely fatal, but the majority of fatalities due to sports injury are the result of traumatic brain injury. Keep reading to find out the real risk and how can you protect yourself and your loved ones from sports injuries this winter.
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There's nothing more magical than seeing a child's eyes light up upon opening a special gift during the holidays. But not all toys are created equal: some can contribute to accidents, injuries, and even cause death in some cases. According to the U.S. Consumer Product Safety Commission, approximately 240,000 toy related injuries were treated in emergency rooms around the country. Here is what you need to know to choose safe and healthy toys for your kids.
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As winter approaches, rain, snow, ice, sudden storms, and severe temperatures are on the way in many parts of the U.S. It's time to make sure your home is ready for intense weather by conducting inspections, making repairs, and setting up some winter pre-prep. Here are some important steps to take in the coming weeks:
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Home remodels can test relationships, strain carefully-considered budgets, and push even the most level-headed homeowners to the breaking point. But it doesn't have to be that way. Whether you're just renovating the kitchen or taking on an entire house, here are some ways to get through the process without losing your mind:
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It's summertime, and many of us long to spend more time outside. Creating an outdoor living space can make it easier to take advantage of wonderful weather, and bring some simple joy and serenity to daily living. Here are some things to consider when planning an outdoor living space, and how to begin the process.
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Outdoor grilling season in Michigan is here, a time to relax on the deck and enjoy some ribs or a juicy burger cooked to perfection on the grill. But even the most experienced grill master should take safety precautions before firing up the grill. Make sure your outdoor entertaining goes according to plan by following these grilling safety tips.
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So you're thinking of buying a pool and imagining those lazy, hot summer days when you'll get to slip into the cool water, sunbathe, play with the kids, and invite friends and neighbors to share in your good fortune. But there's more to owning a pool than just the fun stuff. Make sure that it's truly something you want and are willing to put in the work to maintain. Here are a few things to consider before you "dive in" -no pun intended.
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Did you know that your home could be harboring toxic levels of radiation in the form of Radon gas? To raise awareness of this silent killer, January has been designated National Radon Awareness Month. It's a time to get your home tested and to encourage those around you to do the same, in an effort to reduce the thousands of preventable deaths caused by Radon each year.
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Hosting a family dinner this holiday? There's a very good chance that a guest at your table will be allergic to something you're thinking of serving. Here's what you need to know about food allergies and how to be hospitable, no matter who you're hosting.
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According to the World Health Organization, falls are the second leading cause of accidental injury deaths worldwide. Falling disproportionately impacts adults age 65 and older, and can lead to serious injury, further health problems, decreased quality of life, and a loss of independence.
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Smart home technology is quickly becoming commonplace in Michigan, and also affordable to the average consumer. The increased quality and availability of high-tech security devices means that anyone can safeguard their property and belongings. If you're looking to protect your home, family and property, here's an overview of some smart home security tools that might work for you:
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Spring is here in most places around the country, and that means that summer isn't far behind. Instead of leaving all of the work until the sunny days of summer, there's a lot that can be done in the meantime to get ready for outdoor living. Here are some tips for preparing your home and garden before the sun and balmy weather start to beckon you.
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With the days getting colder, at least for those in the northern part of the country, you might be starting to regret not taking a closer look at the insulation in your home during the summer months. But it's not too late to make your home more efficient, and cozy, for winter!
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June is National Safety Month and a great time to review your personal safety profile to find out how you can minimize the risk of accident or injury. Due to multiple factors, summer is a time of year when the risk of many common hazards increases.
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Gun control is a controversial topic; but what isn't controversial is the idea that firearms should be used safely and responsibly. Whether you're a firearm owner or just a concerned citizen, there are things you can do to promote gun safety in your home.
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When Hurricane Katrina touched down in 2005, humans were not the only species affected by its destruction. And because emergency relief agencies were not in the business of saving pets, nearly half a million animals were left behind, devastating many owners and causing public outrage on their behalf. Passed in 2006 as a direct result of Hurricane Katrina, the Pet Evacuation and Transportation Act now requires state and local agencies to consider pets and service animals in their emergency preparedness plans. While most of us won't experience a disaster like Hurricane Katrina in our lifetimes, it's still up to us to consider our beloved companion animals when planning for emergencies, big and small. Here are a few things you can do:
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Watching a disaster like Hurricane Katrina unfold on national television inspires compassion and a desire to help. But most people in Michigan still believe that something like that won't happen to them, until it does. Resolve to keep your family healthy and safe in the new year by taking these steps to prepare for a serious emergency or natural disaster:
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We all want to be the one to find a gift that makes the holidays unforgettable for that special child in our lives. Whether you're a parent, aunt, neighbor or godparent, don't let your quest for holiday magic steer you towards a purchase that might be unsafe or inappropriate.
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If you're a proud homeowner in Michigan, having the right insurance is critical to your peace of mind. Before you purchase a policy, however, it's important to have a clear understanding of what homeowner's insurance does and does not cover. If you have specific concerns about your home or its location, it's likely that you can insure your home against these risks as long as you know which level of coverage or supplemental policy is required.
April showers eventually bring May flowers, but in the meantime, wetter and warmer temperatures can cause a variety of hazards along the way. Here are some common spring safety issues, and ways you can prevent their potentially harmful consequences:
Summer in Michigan is coming and with it is the opportunity to experience all kinds of warm-weather mishaps. Here are some common summer dangers and how to avoid them.
In the United States, gun ownership is still a hot button issue. A 2014 study in the Annals of Internal Medicine reported that having a firearm in the home puts those in the household at higher risk of committing suicide or being the victim of a homicide. And approximately one third of American households keep at least one firearm in the home.
For most American families, summer is outdoor celebration time, fireworks time, barbecue time, and fun-in-the-sun-by-the-pool time. If you're the one who happens to be hosting, however, it's important to recognize that these quintessential summer activities present unique risks, as well as potential liability issues.
School's out for summer, and that means that many parents in Michigan are opening their backyards to their children's friends and neighborhood buddies. It's a parent's prerogative to keep all children safe, even those who are not their own; but did you know that you could be held liable if a child gets injured on your property? Here are some steps you can take to maintain a kid-friendly outdoor environment, so that summer at your house comes with the minimum amount of risk.
When it's hot, the cold water calls. If you're lucky enough to have access to a lake, river, or community pool, it's vital to know basic water safety in order to prevent serious consequences. Approximately 10 people die each day from unintentional drowning, and according to the Center for Disease Control, drowning is the leading cause of injury death for young children, ages 1-4.
What do bath salts, houseplants, energy drinks, mouthwash and over-the-counter medicines have in common? All of these items can be poisonous when used inappropriately and it only takes a second for a child or beloved pet to ingest a household chemical or medicine that could cause permanent damage.And most can be found in any Wayne County home.
Calculating the cost of natural disasters and extreme weather events is a complex process that takes a myriad of factors into account, including insurance payouts, lost income, property damage, and lives lost. In most cases, the cost of damage caused by these events far exceeds insured losses. Read on to find out some of the most surprising and significant facts about weather and insurance in Oakland County, the United States and around the world.
A Christmas tree is a non-negotiable tradition for many families in Oakland County during the holidays. But even those who look forward to those twinkling lights and strings of popcorn may have a small child or mischievous cat that makes having a tree difficult and sometimes even dangerous.
Maintenance for your vacation or second home is pretty much the same as for your primary residence. There are a few reasons why you may need to take a few extra measures with your second home. You are most likely away from your vacation home for periods of time and, if you have nearby neighbors, they may be away from their homes during the same intervals. Many vacation homes are situated 'away from it all' so, if something were to happen to your home, it's possible no one would notice until too late.
After your home is damaged by wind, hail, or other natural elements, the storm isn't necessarily over; in fact, it might be just the beginning. Here's what you need to know about the storm-induced insurance process from diagnosing the damage to filing a claim and making repairs so that weathering your home's recovery is as painless as possible.
Exactly what is a tornado and what is a near tornado? When it comes to personal safety, it hardly matters. Even relatively wean tornadoes can be devastating, causing tremendous property damage. Learn a few facts about tornadoes and what you can do to keep you and your family safe before, during, and after a tornado.
Enormous inflatable bouncy castles also known as bounce houses are often seen at kids' birthday parties and the like. They're colorful, bulbous enclosures where cake and ice cream filled youngsters can jump to their hearts' content, burn off some of the manic sugar buzz, and one would presume stay out of harm's way. In recent months, however, what once seemed to be a benign source of entertainment for the young and young and heart has come to be regarded as a menacing, potentially injurious if not deadly choice for party-day entertainment.
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Fireworks are synonymous with Independence Day. Virtually every small and sizeable town or city across the U.S. puts on some sort of firework show on the Fourth of July. And in many places its still legal for consumers to purchase and set off their own fireworks, which is a thrill to kids, and kids-at-heart everywhere. Fireworks are full of mystique. They are enchantingly named; "Whistling Moon Traveler," "Ground Blooming Flower" and seductively packaged, and there's nothing quite like the suspense of watching a firework after it has been lit to see just what sort of show it will put on, what colors, what shapes, what sounds! It's no wonder we persist in being so enamored with these flammable forms of entertainment, in spite of the fact that they are incredibly dangerous...
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No one revels in the delights of summer like a kid. Michigan schools are out, the sun is high and hot, and the long days are filled with light and the prospect of innumerable adventures. In fact, because there is so much potential for adventure-much of it unsupervised-many parents opt to enroll their kids in one or more summer camps in hopes that having a set schedule and a series of planned activities in which to participate will keep the youngsters out of trouble and, most importantly, out of harm's way. But summer seems to invite as many childhood accidents as it does moments of bliss, and no matter how structured a kid's summer is, a certain amount of mishaps are inevitable. The warm weather inspires a whole new slew of activities, many of which require an increased attention to safety on the part of both kids and parents. Use the following three tips to keep kids safer this summer:
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Home sweet home is an obvious place to give a good scrubbing once springtime in Highland arrives. It's time to wipe the grime out of every nook and cranny, wash the carpets and curtains, and pack away the space heaters and down blankets.
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Of course gutters are not necessary for every house, but most houses need some kind of rain guttering system, especially in Michigan. If you notice the erosion of soil around your foundation, cement breaking up or dirt splattered on your siding, don't wait, your house is telling you it needs gutters to stay healthy.
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Between personal motor vehicles, factories, trains, and other sources of toxic fumes, the outside air would seem to be significantly more toxic than the air within our seemingly pristine indoor environments. Unfortunately, this is an illusion. The air you breathe at home or work can be seriously harmful. In fact, according to a study by the World Health Organization, indoor air pollution kills approximately four million people worldwide every year.
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Most new parents would probably admit that their driving habits changed after having children. The one-time daredevil of the highway has transformed into a doting dad who never pushes the speedometer past a sluggish 65 mph; the lady lead foot who laughed in the faces of cops is now a minivan-loving, law abider who cruises so slow she would try the patience of a turtle.
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Another big snow storm in Highland, Michigan....Refresh your memory on safe winter driving tips!
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Snow shoveling is not for the faint of heart-literally. According to Dr. Thomas Esposito of Loyola University's Stritch School of Medicine, an average of 11,500 people visit U.S. emergency rooms each year for mishaps resultant from snow shoveling. Heart attacks, broken bones, and back injuries are just a few common consequences of shoveling sessions gone wrong. Bumps, blisters, sprains, and lacerations are also oft-cited injuries. And then there are the fatalities! Who knew this everyday wintertime chore could pose such danger?
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A standard homeowners insurance policy includes four essential types of coverage. They include:
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The Polar Vortex: it sounds almost otherwordly, like a malicious entity from a science fiction movie, or a faraway frigid realm in which one is destined to dwell in perpetuity. For those in the Midwest and Northeast regions of the U.S., like Highland, MI, who recently experienced an actual polar vortex, however, those imaginative notions don't seem so far fetched. Actually a large-scale cyclone near either the North or South Pole, a polar vortex has the power to create drastically cold temperatures in a region spanning several hundred or even thousands of miles from its point of origin.
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The first month of a new year is a time when we make resolutions to better tend to our physical and mental health, as well as the health of our relationships. We'll work out three times a week, we promise. We'll finally sign up for those guitar lessons we've been so shy about taking, we vow. We'll have regular Sunday dinners with the entire family, no ifs, ands, or buts.
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The cold, snowy winter months in Highland, Michigan can cause some unique challenges when it comes to taking care of your new home. Especially when you least expect the most recent Snowmageddon! Proper measures can help prevent damage to your home. Here are just a few home maintenance tips for winter that we have put together to help you with your winter home to-do list.
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Nobody in Highland, Michigan wants poor old Santa to emerge from the chimney looking like a scary, sooty monster. Now that the weather is truly chilly and the generous man from the North Pole is on his way, it's time to think about your chimney and/or make sure your wood stove is in fine working order. Hiring professionals to do this for you is certainly one option, but during a time of year when your pocketbook is already likely to be a bit on the depleted side, you may be motivated to do it yourself. Here are some tips for safe and effective DIY assessment and cleaning of chimneys and wood stoves:
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Asbestos is a hidden health hazard that can lurk right in the place where you should feel the safest: home. While those who work in the construction industry are considered the most vulnerable to asbestos exposure, especially repeated exposure, it's important to keep in mind that even very limited exposure-such as what you might experience during a simple renovation project-can have long-term negative effects. Make it a priority to prevent you and your family members from coming into contact with this dangerous material.
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Is Facebook still a "friend" to the social media user who values some semblance of privacy? With the advent of Graph Search, Facebook's internal search engine, which allows users to search for comments, photo captions, photos, and other material posted by themselves or anyone else, many Facebook users are feeling that their privacy is a thing of the past, like those other casualties of technology, such as the handwritten letter and the answering machine.
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Just imagine this scenario: You're driving to work early one morning, and you stop at a red light in Highland. The driver behind you still has sleep in his eyes, and doesn't hit his brakes in time. He crashes into the back end of your car, not too hard, but hard enough to raise some concern, and maybe even a curse word or two. You both get out of your vehicles and when you check your rear bumper for damage and see not even a scratch, you shake hands, get back in your cars, and finish the drive to work.
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Sometimes, what appears to be an impenetrably solid roof above your head actually has little openings through which the rain can leak. The same is true of some car insurance and homeowner's insurance policies; they can appear to provide sufficient coverage, but, in the event of an accident of some sort, you may find yourself drowning in debt. To avoid getting soaked by surprising expenses, use an umbrella; umbrella insurance, that is.
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For a long time, most devoted exercisers have adhered to the rule that a sustained stretch of aerobic exercise-one that kept your heart pounding for at least 10 minutes-was what garnered the desired results: a healthy weight and a fit body, not to mention less money shelled out on health insurance co-payments!
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With school starting at Huron Valley Schools, it's easy to forget that summer lingers well into late September, and the weather remains warm enough in Milford and Highland for most of us to continue enjoying our yards. The nights, however, are cooler than they've been in months, making those wonderful outdoor fire pits more appropriate than ever. What's more pleasant than sitting outside with friends and family, some good food and drink, and maybe even or guitar or two around a warm, flickering fire?
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In many parts of the country, water abounds as winter winds down. Melting snow and rain seem to make the whole world a watery place. Slushy, icy environments are common, making roads hazardous and driving a dangerous proposition. But too much water can even create problems in what seems like the safest of all places: home. When the quantity of water in and around your home is too much for your water removal systems to deal with, you have what is known as water back up.
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Clean Air In Highland Michigan
It's the place where we seek rest and respite from the demands of the workday and the outside world. It's where we spend quality time with friends and family. It's where we cook, eat, sleep, shower, and sit by the fire. It's home, and it really is sweet.
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Before winter strikes in Michigan, most of us tuck away our summer clothes and bring out the sweaters, coats, and scarves that will keep our bodies cozy when there's a chill in the air. But how many of us take similar steps to prepare our homes for winter weather? Readying your home for winter, also known as "winterizing," will not only help you and your family to stay snug and warm while saving money on energy bills, but it may also protect your home from damage that can lead to costly repairs.
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As winter starts to set in most of us will be spending more time indoors. Now is a good time to review this checklist for safety, comfort, and savings. Around your home...
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Risk management is the process of identifying, assessing, and controlling risks to an organization. It is important for businesses of all sizes to have a risk management plan in place to protect themselves from financial losses.
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Carbon monoxide (CO) is often called the “silent killer” for a reason — it’s invisible, odorless, and tasteless, yet can be deadly. According to the U.S. Consumer Product Safety Commission, more than 200 people in the United States die each year from carbon monoxide poisoning, most often due to malfunctioning gas appliances. The American Medical Association reports even higher numbers and identifies CO poisoning as the leading cause of accidental poisoning deaths in the country.
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Download Hurricane/Flood Disaster Supply Kit (Excel)(PDF)
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Be prepared for storm season by knowing where to tune for weather updates, what to do before, during and after a storm hits. Go over your Hurricane Property Preparation Checklist to make sure you have time to complete all necessary preparations. Even in high hurricane winds, preparation can mean the difference between minor damage and devastation.
While the vast majority of products and toys produced for infants and children are safe, that is not always the case. In March of 2005, for instance, Graco agreed to a record 4 million dollar fine for failing to report deaths and injuries related to recalled goods or products about to be recalled. Each year, about one-third of the 350 or so products recalled by the Consumer Product Safety Commission are intended for infants and small children. Small children are particularly susceptible to inherently unsafe products so it is a good idea to review recall information periodically.
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