Winter Losses Are Preventable
Before the Storm Starts…
Call your Cleary Insurance representative. Ask how your coverage will help you in a variety of scenarios, including burst pipes, roofing incidents, business interruption, ice dams, or accidents involving company cars. We can work with you to uncover gaps in your coverage and help you develop plans for your greatest risk areas to prevent winter losses.
Building Preparedness
Whether it’s you, an internal team, or a trusted contractor taking care of your building during the storm, make sure you:
- Know the locations of your water mains and supply lines. Mark them so they can be easily shut down in the event of a burst pipe or structural damage.
- Get your heating and electrical equipment inspected and in good operating condition. Licensed, insured plumbers and electricians can help you with this before the storm starts.
- Research or designate fully insured and reliable contractors for snow removal, salting, and sanding of parking areas and walkways. Or, if you choose to self-perform snow removal and maintenance, make sure your staff is properly trained and capable of operating necessary equipment, such as snow blowers. Document the building’s conditions before, during, and after the storm with checklists and photos.
- Prepare your grounds. Remove any trees or branches that are in danger of falling on your building and note any areas that may become risky in icy or snowy conditions.
- Check your supplies. Ensure that all snow removal equipment, backup generators, and company vehicles have enough fuel, and that you or your contractors have salt or sand available for your walkways and parking lots. If anyone is staying in your building, keep a well-stocked emergency kit in an accessible area.
- Consider installing water sensing equipment. Modern water detectors will notify you when your pipes grow cold, or if there is excess moisture present. Some can even shut off your water automatically in an emergency.
- Consider installing fully programmable and Wi-Fi-enabled thermostats. Today’s thermostats are more accurate, can be adjusted using smart devices, and can even send alerts should internal building temperatures dip to dangerous levels.
- During the storm, keep all exits, air intake, and exhaust vents clear of snow and ice during and after snow events.
- Monitor snow accumulation on your roof to prevent potential collapses, especially on flat or low-pitched roofs. If the snow starts piling up, professional roofers can help you keep your roof clean. First and foremost, though, stay safe! Be mindful of wind and weather conditions before asking anyone to work on your roof.
Business Interruption
Storms that cause winter losses become costly when businesses must close for repairs or power restoration. Working with distributors, vendors, suppliers, or even industry counterparts to develop contingency plans can help reduce your business interruption costs. In the past, we’ve seen coordinated efforts—such as co-packing arrangements with competitors and shipping extra product to customers in advance—reduce the impacts of a storm.
Prepare Your People
The key to successful emergency preparedness is communicating with your people to help prevent winter losses. Develop and test emergency communications systems and build redundancies into your methods. Be open and proactive about communicating your inclement weather attendance policy or work from home policies so that no employee feels the need to put themselves in harm’s way. Conduct training sessions on cold exposure and slip and fall safety, as necessary.
Donating Blood Impacts Your Community
Published by Alyssa Malmquist on January 17, 2024
The month of January is National Blood Donor Month. It’s an annual celebration that highlights how much this act of service can impact and help others. Historically, January is when blood donation has been needed most. The American Red Cross notes that the winter months can bring critical blood shortages. Typically, the steep drop in donations happens because of the holidays.
Transportation can add another challenge, especially in places with harsh winters and snow. Many individuals get sick around this time of year, too, which also makes it difficult to donate. So if you’re able to, it’s worth the extra effort to donate in January.
But it’s always a good time to donate blood, especially given how much your donation can impact members of your community:
- In the U.S., approximately 29,000 units of red blood cells are needed every day.
- Someone needs blood or platelets every two seconds.
- A car accident victim can require as many as 100 units of blood.
- Blood and platelets can only come from volunteer donors.
- One donation can help save more than one life.
- Many cancer patients need blood transfusions, sometimes daily, during chemotherapy treatment.
- Babies born early may need a blood transfusion to increase the number of red blood cells in their bodies.
- Transfusions of plasma, which is found in blood, help heal bad infections, serious burns, or liver failure.
Giving blood can also boost your health. According to a study in the American Journal of Epidemiology, blood donation can help reduce iron in your system. This can improve cardiovascular function. In that research, people who donated blood had an 88% lower risk of experiencing a heart attack.
Plus, you’ll feel good knowing you’ve made a difference. A survey of more than 5,000 blood donors found that nearly 75% of donors give blood to help others. As a result, they feel more connected to their communities.
Responding to Rare Blood Type Needs
Most blood types fall into groups A, B, AB, or O. But some people have rare blood types that are difficult to match, so it’s essential to maintain a diverse blood supply. Blood transfusions are used in accidents and ongoing treatments. For example, people with sickle cell disease often need transfusion therapy.
The best blood type match for patients with rare blood types often comes from donors of the
same race or similar ethnicity. The American Red Cross notes that although blood is matched by type, patients are at lower risk of developing complications from transfusions if their donor matches their race and ethnicity.
How to Donate
If you’re ready to make a resolution to give blood during National Blood Donor Month, you can schedule an appointment at the Mass General Blood Donor Center or the Kraft Family Blood Donor Center at Dana-Farber Cancer Institute and Brigham and Women’s Hospital.
You can also check out this blood donation site, which will help you find a donation site close by. Once you find a place, it helps to call ahead or visit their website to schedule an appointment. Finally, you can always visit the American Red Cross’s website.
Here’s how donating blood impacts your community (massgeneralbrighamhealthplan.org)
Water Damage Safety Tips
Whether it’s the result of a leaky appliance, burst pipe, or destructive storm system, even a small amount of unwelcome water in your home can lead to thousands of dollars in damages within hours. We hope the information provided here will help you understand where water damage in your home is likely to start and how you can possibly identify minor issues before they become major problems.
6 Common Causes of Water Damage in Homes
- Plumbing-related losses, e.g., frozen or burst pipes
- Drain line issues, e.g., blockages or breaks
- Roof leaks
- Water heater failures
- Sump pump overflows and municipal sewer backups
- Appliance-related breakdowns
Telltale Signs You May Have a Water Leak or Damage in Your Home
- Trickling, dripping, or running water sounds
- Musty odors
- Cracking, peeling, or bubbling paint or wallpaper
- Water stains on ceilings or walls
- Mold or mildew growth
- Warped Floors or ceilings
- Puddles under or around pipes
10 Steps You can Take to Prevent Water Leaks and Damage
With the following list in hand, take a walk around your home. If you answer no to one or more of the questions below, it may be wise to contact a licensed professional to help you better protect your property from water damage.
- Protect the Pipes-Are all pipes on external walls or in unheated places insulated? Can you relocate vulnerable pipes to heated spaces? Do you shut off your water supply to exterior water spigots and drain them prior to winter months? Have you upgraded to frost-free exterior spigot lines?
- Seal Any Gaps-Are all cracks and holes sealed, especially those where water pipes and electrical cords come in and out? Are all rubber seals and hoses connected to appliances secure with no signs of wear and tear?
- Maintain Appliances-Is grime or buildup removed from the refrigerator coil, dishwasher filter, and washing machine drain regularly? Did a licensed professional install appliance water and gas lines? Do you know when your hot water heater warranty expires? Have you considered changing the anode rod?
- Clear Gutters and Downspouts-Are leaves and debris scooped out and is water flow good? If you spotted a leak, has it been fixed with waterproof sealant? Are all gutter hangers firmly attached?
- Inspect the Roof-Do you frequently check your roof for loose or missing shingles and damaged soffits? Are tree limbs cut back from the roof’s surface? Have you checked for signs of wear at the roof connection point for chimneys and vent pipes?
- Safeguard Septic and Sump Pumps-Does your system have a backflow prevention valve to protect against overflow or clogs? Do you have a backup sump system or alternate power source if electricity gets knocked out?
- Install Sensors and Alarms-Are leak detectors near all water-use appliances, under sinks, and in bathrooms, crawl spaces, and the basement? Do you have temperature change alarms to detect sudden drops? Have you checked with your home security system provider to see if you can add these helpful sensors?
- Landscape Smartly-Have you made “rain gardens” so water runs off the lawn and away from the foundation? Has your lawn been graded properly to ensure water runs away from the building? Are there trenches between your home and nearby plant beds?
- Know How to Stop Water Flow-Does everyone in your home know the location of the main water shutoff valve, and is it easily accessible? If your gate valve looks corroded, have you considered having a licensed plumber change it to a ball valve style? Is your shutoff valve connected to leak and temperature sensors?
- Have an Away-From-Home Plan-Do you shut off water supply to appliances while traveling? If there is a water emergency while you are on a trip, does a family member, friend, or local licensed professional have access to your home? If you’re traveling for an extended period or relocat- ing temporarily for the winter season, do you consider shutting off your heating system and draining your pipes?
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