Mantsch-Lafaro Insurance Agency Blog

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Texting and Driving- Even Riskier than Thought


Drivers who text or e-mail on the road are an even bigger danger than previously thought, according to a new study by the Texas Transportation Institute.

Some scary stats revealed:

  • A driver’s reaction time is doubled (from 1-2 seconds to at least 3-4 seconds) when distracted by reading or sending a text message.
  • Texting drivers were more than 11 times more likely to miss a flashing light altogether.
  • Also, texting drivers were less able to safely maintain their position in the driving lane or to maintain a constant speed.

How big is the problem? Well, U.S. Transportation Department statistics suggest that distracted driving contributes to as much as 20 percent of all fatal crashes, and at least one in five motorists has admitted to texting while driving.

If the risks aren’t enough, consider this: texting while driving is banned in 34 states and the District of Columbia, according to the Insurance Institute for Highway Safety, and seven more states ban texting while driving for specific groups (such as those under 18 or bus drivers).


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Posted Tuesday, January 17 2012 12:51 PM
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Winter Is Here!


Winter is here. Heating season is upon us. Wood burning devices cause thousands of fires each year. If you or your insureds have a wood burning stove or are thinking of getting one to reduce your heating bills, here are some tips to keep you safe and warm this winter.

  • Any wood burning stove or furnace should be factory made and tested by a recognized testing organization (U.L. , ITS, Applied Research Labs, etc.)
  • Unless the stove label allows for any other clearance, radiant stoves (one metal wall around the fire) should have at least 36” of clearance to any combustible wall. Any circulating stove (two metal walls separated by circulating air space) should have at least 18” of clearance to any combustible wall. The charging area or door side must always have at least 36” of space.
  • Unless the floor below the stove is concrete or mortared masonry, the floor needs to be protected by sheet metal or UL listed stove board.
  • Stove pipes between the stove and the chimney need to have at least 18” of clearance to any combustible wall.
  • Any time the stove pipe passes through a combustible wall, floor or ceiling there must be either 18" of clearance to any combustible material by use of a noncombustible thimble or a UL listed pass through device must be in place.
  • The chimney should be in good condition and either be a masonry chimney with a flue tile or stainless steel liner or be a UL listed metal chimney designed for wood burning.
  • The chimney should extend at least 3 feet above the point where it passes through the roof and at least 2 feet higher than any portion of the roof within 10 feet of it.
  • Any chimney requires regular inspection and cleaning. This cleaning should take place as often as necessary but no less frequently than 2 times per year.


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Posted Tuesday, January 03 2012 10:13 AM
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How safe is your heating?


The best defense when fending off Old Man Winter may be maintenance of your home’s heating system. But, if you decide to give alternative heating a try, make safety a top priority. The Institute for Business &

Home Safety (IBHS) suggests:

◊ Look for products tested by Underwriters Laboratory (UL).

◊ Buy models with automatic shut-off features and heat element guards.

◊ Maintain a 36-inch clearance between the heater and combustible materials, such as bedding, furniture, wall coverings or other flammable items.

◊ Do not leave a heater unattended.

◊ Check every electrical cord for fraying and cracking. If one looks worn, replace it before using.

◊ Install carbon monoxide detectors in several parts of the house.

Other safety suggestions:

◊ Never use a kerosene heater indoors.

◊ Never use electric or gas stoves to heat the home. They are not intended for that purpose and can cause fires and carbon monoxide poisoning.

◊ If using a wood fireplace, have it inspected annually by a professional chimney sweep.

 

Go to disastersafety.org for more.



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Posted Tuesday, November 29 2011 12:17 PM
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Hazard-proof Your Holidays


Carbon watch Thanksgiving turkeys cooking in the fryer, chestnuts roasting on an open fire.  But have you considered what to do,
if your festivities go haywire?

So you’re hosting the annual holiday feast at your house this year. You’ve already bookmarked your favorite stuffing recipe, polished the silver and dusted off the turkey fryer.

Stop right there.

Take a minute to read these simple safety tips to prevent yourself - or any of your guests - from getting hurt.

  • Step away from the fryer. Literally.  Although turkey fryers cook a mean bird, they can catch fire easily. If you plan on using one, keep these simple facts in mind and maintain a safe distance while it’s cooking.
  • Hazard-proof your home. Before your guests arrive, remove floor rugs that could cause someone to fall, clearly mark steps and low walls and place gates at the top of stairwells for the wee ones. Don’t forget about outside, either. Keep your walkways shoveled and salted so guests don’t slip and fall on the ice.
  • Protect your property. Hunting season is from Thanksgiving until New Year’s. If you allow hunters onto your property, be sure you know what’s covered on your homeowners insurance policy. 
  • Find the kitchen fire extinguisher. Without making any assumptions about your cooking ability, double check to see if your smoke alarms and fire extinguishers are in working condition. It also doesn’t hurt to review the family fire escape plan.  

Fast-forward to the day of your holiday party. In the midst of the pre-mealtime mayhem, keep these kitchen tips in mind:

  • Keep your sleeves rolled up. It’s a drag when you dip a loose sleeve into the gravy, but it’s even worse if said sleeve gets too close to a burner and catches fire. The same rule applies for dish towels.
  • Remember the oven mitts. No one in their right mind wants their skin to be scalding hot. Make sure everyone wears oven mitts when removing hot food from the oven and microwave.
  • Utilize stovetop space. Whenever possible, put pots and pans on the backburner and turn handles toward the back of the range. This will reduce your chance of accidental spills.
  • Consider the kids. Use non-stick placemats instead of tablecloths at the kids’ table, so accidental tugs and pulls won’t spill hot food or drinks. You may also want to tape off the area around the stove to avoid curious little fingers from getting burned


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Posted Thursday, November 17 2011 10:43 AM
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Applying the Golden Rule to your career


Many times we struggle with coming up with strategies to help us succeed in our career.  I want to challenge people by proposing the notion that the first step toward success in your career is as simple as following the Golden Rule: treat others as you would want to be treated.  This could pertain whether you are an employer, employee or provider to a client base in your industry.

As an employee, there is a basic expectation that you show up to work on time and not leave early.  But what we chose to do while we are on the job, and level of effort we put into our work, is more discretionary.  I propose this can be applicable to the Golden Rule.  By using this example of how we spend our work hours, let's suggest the employee looks at the situation as if they were the employer?  Would that person want to compensate an employee who chooses to spend their time on the job doing things such as surfing the web, engaging in social media, or spending significant time emailing or calling family or friends? 

For employers, would you want to be given positive reinforcement for performing a job well done if you were the employee? From the perspective of being an employee, would you want to be criticized for making an honest mistake, a mistake that the employer could be just as apt to make?  Would you want to be acknowledged only for the times you make an error or fail to meet an expectation, to the point of feeling belittled and inept at performing your job?

 As a service provider, if you were the disgruntled client calling in with a complaint, would you want to be treated with un-compassion, impatience and indifference?  Wouldn't we always be hopeful that we would be greeted as a preferred client when we call our provider, or stop into their location.  Would we not want to feel like our problems and concerns were our provider’s problems and concerns?  Would we not want to have the impression that priority was being given to these issues, and would we not want to see these issues or requests resolved in a timely manner?

 Obviously, being trained and educated to optimally perform functions of your job is critical to job success, but couldn’t we argue the following the Golden Rule creates a great foundation to build from, using these knowledge and job skills?



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Posted Sunday, October 02 2011 11:51 AM
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