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Power Outage Food Safety

Food Safety Picture

On the heels of the last weekend’s storms and wide power outages in and around #KansasCity, here are some food safety tips from Duane Daugherty (MrDoggity, the Safety guy)

Most modern refrigerators will hold temp in a power outage for about four to six hours if the door isn’t opened. Nearly all refrigerated foods will withstand a few hours out of range. However, if your power is out more than six to eight hours, even with a high efficiency rating, and nobody opening the door, you’ll need to toss some stuff – but NOT everything!

Here’s a handy guide:
Foods to Pitch:
Soups, Stews, Casseroles, any Pre-cooked leftovers
Meat, Poultry, and Seafood: Cooked, uncooked, or any other foods like casseroles that contain these things
Cheese: cream cheese, shredded soft cheese or anything “low-fat”
Dairy: Milk, cream, yogurt, sour cream, buttermilk, evaporated milk, canned whipped cream
Soy and Nut Milks or products made from these oils (tofu, hummus)
Eggs: Cooked, uncooked, and any foods containing eggs
Fruit: Cut fruit
Condiments: Fish sauce, oyster sauce, creamy dressings, spaghetti sauce, salsa, mayonnaise (if 8 hours or more)
Breads: Refrigerator biscuits, any unbaked canned dough, cookie dough
Pasta: Cooked pasta, salads
Sweets: Cheesecake, cream or custard pies, cream-filled pastries and pies
Vegetables: Pre-washed greens, cooked vegetables, vegetable juice, garlic in oil, anything made with cooked beans.

Foods to Keep:
Cheese: Hard, processed, grated hard cheeses like Parmesan and Romano, wrapped block cheeses (may require trimming), processed cheeses like “American singles” or “Velveeta”
Dairy: Butter and margarine
Fruit: Fruit juice, canned fruit, fresh whole (uncut) fruits, dried fruits
Condiments: Peanut butter, jams, jellies, ketchup, olives, pickles, mustard, hot sauce, BBQ sauce, relish, vinegar-based dressings, Worcestershire, soy sauce, hoisin sauce
Breads: Bread, rolls, cakes, muffins, quick breads, tortillas, bagels, waffles, pancakes
Sweets: Fruit pies
Vegetables: Raw
Herbs: dried or unwilted

Freezers will usually keep food safely frozen for 24 to 48 hours. The more food you have in the freezer, the longer it will keep. Check your ice tray and your ground meats. If your ice tray has loose ice to the bottom and your ground meat is solid, you’re fine. Any meats that have some “give” to them in the freezer should be cooked within a few days, and can be refrozen once cooked. NEVER refreeze raw meats that have begun to thaw.

RULE OF THUMB: IF YOU’RE IN DOUBT – PITCH IT OUT!
I am an environmentalist, too, and I don’t believe in wasting food. But nothing is worth making yourself or your family sick.

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If you’re a homeowner and think you have damage from a storm, be sure to remember these tips–

 
» Call your insurance company as soon as possible if you see or suspect damage.
 
» When considering contractors, do your research and get multiple bids.
 
» Be EXTREMELY cautious of door-to-door solicitors offering free inspections. Some might be reliable local companies, but be sure to check online reviews.
 
» NEVER pay a contractor in cash or before work is completed.
 
»Keep a record of transactions, including bid proposals (revisions) from contractors and conversations with the insurance claims representatives.

#StormDamage #InsuranceTips #HomeownersInsurance #InsuranceKC

Summertime=HOT! Make sure your employees are protected.

Hot summer weather can lead to heat stroke for employees working outdoors
It’s getting hot outside!
Every year, dozens of workers die and thousands more become ill while working in extreme heat or humid conditions according to OSHA.

There are a range of heat illnesses that can affect anyone, regardless of age or physical condition.
If your commercial policyholders have employees working in extreme heat and high temperatures, a heat illness prevention program should be established.
 OSHA’s Occupational Exposure to Heat page explains what employers can do to keep workers safe. The page also includes resources for specific industries and OSHA workplace standards.
Business Insurance customers should educate workers and supervisors about the hazards of heat exposure and their prevention.
Topics should include:
  • How to recognize common signs and symptoms.
  • Heat-related illness prevention procedures.
  • Drinking small quantities of water often.
  • Importance of acclimatization.
  • Immediate reporting and responding to signs or symptoms.
Policyholders can also have vital safety information immediately available with the OSHA-NIOSH Heat Safety Tool.  This App allows them to calculate the heat index for their worksite, and, based on the heat index, displays a risk level to outdoor workers.
to download the app.
Already a Farmers Insurance Business Client?  Enhance your Safety Program? Register at www.MySafetyPoint.com

–How to avoid freezing pipes–

Unoccupied buildings are susceptible to damage especially when Mother Nature sends an unpredictable wave of frigid air across the country.
freezing-pipes-2We usually associate freezing pipes with cold climate states, but temperatures low enough to freeze or damage pipes can happen anywhere in the country.  The water damage can be more severe when pipes burst in areas considered to be “warm” because proper precautions and action plans are not in place.

Here are some tips to aid policyholders in protecting their properties:

  • Turn on the heat to keep the entire building warm.
  • Confirm cracks or wall penetrations are sealed, and doors and windows are securely closed.
  • Install devices to shut off water in the event a pipe leaks and water is flowing.
  • Inspect/replace appliances and water supply lines as recommended by the manufacturer, and when damage is observed.
  • Insulate or apply heat tape to water pipes, including wet sprinkler system pipes.
  • Install a monitoring system for building temperature.
  • Heat sprinkler control valve/fire pump rooms with UL approved devices.
  • Develop a plan and locate all water shut-off valves so quick action can be taken for a leak.
  • Use a qualified service or individual for interior inspections during weather events or any extended unoccupied periods to confirm the security of the property.

When small problems go undetected, they become big problems.  Business and rental property owners should prepare for events or seasons when buildings may go unoccupied for a planned or unplanned period of time.

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For your auto and home insurance coverage, should you go through an agent or online?

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For many people, the convenience of buying insurance online from the provider or from an 800 number is appealing; but when a CRISIS hits, it is in YOUR BEST INTEREST to have an agent who is LOCAL, whom you know personally and can serve as a liaison between yourself and the insurance carrier. It is always most beneficial to have your auto-home-life insurance, all with the same company.

At our agency, we know YOU personally, you never have to confirm your name, address, or give a policy number when you call. We take the time to meet and sit down with our clients and to do a review of all their policies. If you talk with an “800 Insurance Company” you’ll never speak to the same person twice and they have no idea who you are as a person and what coverage you need. If there is a serious claim, it’s doubtful that you could ever find the employee of the “800 Insurance Company” to ask them why they sold you the coverage that they did.

In times of trouble, our agency goes to bat for you. We help file the claim, we can speak the adjusters, and help out with any unforeseen situations related to the claim. This is especially important, especially with weather-related incidents where there can be quite a large area off affected clients. We’re here to be an advocate YOU, if something is not being addressed promptly or if there is a communication issue, we’ll help you resolve it quickly and get you back where you belong.

Another great attribute of having Farmers Insurance is that we only work with our own adjusters, meaning  the adjuster inspecting the damage is someone who is knowledgeable with Farmers Insurance policies. Many online insurers (as well as independent insurance agencies) use independent adjusters, who may not be as familiar with each insurer’s claims. This can cause larges delays as well as unfavorable outcomes when you have a claim.

For a review of your coverage, give us a call anytime 816-795-5977.

Claims, Claims, Claims-What your agent did NOT tell you.

In last month or so, I’ve had 2 vastly difference scenarios with 2 different insurance carriers, both “name brands.”  I’ve changed the name to protect the guilty!  It’s sad that the scenario happened, but the claims service you receive from your insurance carrier can be vastly different from one carrier to another.

Insurance Company A-Client files a home claim Oct 5. They drag their feet and finally send out an adjuster on Oct 31. However this adjuster is not an employee of Brand A, they are a ‘independent adjuster’ who is not allowed to bring the claim to completion (and submit payment to the insured). They are allowed (by law) to take 10 days to complete the claim after inspection. The took the entire 10 days to process the claim and the check. Claim closed Nov 9
**Process time from claim filing to claim closed—-
**35(THIRTY FIVE DAYS)

Farmers client (my insured). Files home claim Nov 8th. Due to high claims volume from the Liberty hail storms 2 weeks ago, our adjuster (who is a FARMERS employee), works OVERTIME on a SUNDAY. Client gets their check in hand before the adjuster leaves their home on Sunday Nov 13.
**Process time from claim filing to claim closed—-
**5 (FIVE) DAYS.

If you know of someone who has had a claims ‘runaround’ those are great referrals for me. We are proud of our company, offer great service, take care of our clients, and most importantly proud of our claims service. #WeAreFarmers 

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