If a loss occurs – immediately contact your agent. Take steps to prevent further loss. Examples would be to supply a power source to a freezer that has lost its outlet power or tarp a roof that has had severe wind damage to the shingles.
The following simple items account for a large percentage of losses. Working at loss prevention saves you grief and keeps down your insurance costs. Ask us for a safety survey if you're not sure!
- Eliminate fire hazards. Keep flammable material
out of and away from buildings – gasoline, paint thinners, trash.
- Use surge protectors, inspect wiring devices for bad insulation, corrosion poor grounding.
- Make sure tractors, skid loaders and combines have good fire extinguishers. Check equipment for hay, straw, chaff buildup. Check wiring for bare spots; a frequent fire cause.
- Use care in pulling racks, silage boxes and machinery – always use a good pin and a safety pin. Be sure the operator knows how to operate safely to prevent collision or overturn. Brakes must work.
- Electrocution is a peril with livestock, especially in cold weather if electrically heated water units are improperly wired or have ice buildup around them. Keep livestock off frozen ponds, prevent drowning.
- In heavy snow times, remove deep snow from roofs if possible. Prevent ice dams on house roofs by scraping snow off the lower portion of house roofs at least.
- Check heating plants and venting or chimneys at the start of the heating season.
- Be sure candles are placed in proper holders away from small children and pets. Never leave candles burning without adult supervision.
- Frying pan on fire? Never pick it up and head for the door. When you open the door the draft will cause the fire to flare towards you. Don't throw water, it will cause a flare-up. A fire extinguisher is best, dousing with salt or baking soda next. (info-World Book Encyclopedia)
- With more appliances connected to house water systems, leaking hoses or tubes have become an annoying and expensive problem. These connections should be replaced every 3 to 5 years or when they have cracked or hardened.
- Water leakage warning devices are now available – call our office about them.
- Cattle on pasture during a thunder storm? Check for possible lightening kills right away. We need a vet's report – they won't touch a decomposing carcass.
- Check pastured cattle frequently in summer for possible losses by theft or animal kill.
Back to top