Corncobs and meat on grill

Fire up the grill, bring on the steak, it is time to barbecue. You might think you know all you need to know about BBQ safety and grilling. But why don’t you review this page, just to make sure. We want your BBQ experience to be fun and safe for the entire family. On average there are over 9,000 home fires annually directly related to barbecuing. According to the National Fire Prevention Association; 16,000 people went to the emergency room and there was $80 million in property damage in 2011 associated with barbecuing.

Home barbecue tips:

General Safety

  • Never BBQ inside, in a garage, on the roof or on a second story deck
  • Never leave your grill unattended
  • If you’re using a charcoal grill, let the lighter fluid soak into the coals a few minutes before lighting them so that any vapors have time to evaporate. When you do light the coals, stand back
  • Open the grill lid before you light it
  • Don’t wear loose fitting clothing
  • Keep a fire extinguisher outside or close by
  • Make sure you use the grill 10 feet away from your house
  • Have the BBQ close to a water source
  • Don’t let raw meat sit out long without being chilled or cooked
  • Always wash your hands before and after handling food
  • Don’t over indulge in alcohol while barbecuing
  • Let the grill cool down before you store or cover it

Gas Grills

  • Before having an LP cylinder filled, check it for dents, gouges or other signs of disrepair
  • If you have a gas grill, make sure the connections from the propane tank to the grill are tight
  • Use porcelain rocks instead of lava rocks. Lava rocks are porous and can hold grease which can catch fire at worse and make for an uneven heating surface at best
  • When you turn off a gas grill, remember to turn off the propane tank too

Always make sure that the barbecue is in a safe place, where children and pets won’t touch or bump into it.  Remember that the barbecue will still be hot even after you finish cooking, anyone contacting the barbecue could be burned. Make sure your home owner’s policy is up to date. Have fun be safe and eat well!

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Most people insure their material possessions—their homes and cars, for example. But many of these same people don’t insure what is probably their most valuable asset — their ability to work and earn income. Disability insurance is designed to replace your income should you become unable to work at your current job. Disability insurance is important because it can ease the financial burden on a household when someone has a serious illness or injury. There are two basic kinds of disability insurance:

Short-term disability insurance covers a percentage of your lost salary should injury or illness knocks you out of work for more than a few days. Payments generally kick in when you have exhausted any available sick leave. Duration of benefits varies by policy, but six months is typical.

Long-term disability insurance is a more typical insurance product in that it protects you from catastrophic illness or injury, including tragic twists of fate that permanently end your ability to earn a paycheck.  These policies usually pick up where short-term disability policies leave off. Some last only five or 10 years, but you want one that covers you until age 65.

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Automobile accidents happen every day. Although no one wants to experience an auto accident, knowing what to do in case one happens to you could soften the impact on your life in the days and weeks to follow. You purchase insurance to help you through accidents, if and when, they happen. Here are a few suggestions to help you:

At the Scene

The first priority is to check for injuries at the scene. Call for medical help if anyone at the scene is injured. Notify the police as soon as possible.

Obtain the names, addresses, and telephone numbers of all persons involved, including passengers and witnesses. It is a good idea to look at drivers licenses.     Record the license plate numbers of all cars involved. Get complete Insurance   information, including policy numbers.  Having the agents name and number is also beneficial.

Never admit an accident was your fault, even if you think it was. An apology can be construed as an admission of fault. Let the authorities determine who was responsible. Auto accidents can be disorienting even if you are not physically injured. You may not be aware of all factors leading up to the crash.

Contact your insurance company as soon as possible, even if damages were minor.

In some cases you also must report the accident to the DVM.

You have the right take your car to the   repair shop of your choice. It can be     beneficial to get two quotes as pricing and quality vary.

Use your smart phone to take pictures  before vehicles are moved. It provides   documentation.