Did you know that children are more than twice as likely to be hit by a car and sustain fatal injuries on Halloween than on any other day of the year? In 2017, October ranked No. 2 in motor vehicle deaths by month, with 3,700.
Kids love the magic of Halloween: Trick-or-treating, class parties and haunted houses. But for parents there is a fine line between Halloween fun and safety concerns, especially when it comes to road and pedestrian safety.
In 2017, 7,450 pedestrians died in traffic or non-traffic incidents, according to Injury Facts. Non-traffic incidents include those occurring on driveways, in parking lots or on private property.
18% of these deaths occurred at road crossings or intersections. Lack of visibility because of low lighting at night also plays a factor in these deaths.
To help ensure adults and children have a safe holiday, the American Academy of Pediatrics has compiled a list of Halloween safety tips.
When They're on the Prowl
Safety Tips for Motorists
Source: National Safety Council
By now, you’ve probably seen a few people cruise by on an electric scooter. They may have been a few teenagers on their way to a friend’s house, somebody using the vehicle as a new way to commute to work, or maybe it was even yourself doing the riding. E-scooters have become common in many cities across the United States, with industry leaders Bird and Lime reporting millions of rides so far.
But, while e-scooters might be revving up in terms of popularity, new technology brings new complications and new concerns.
What are e-scooters?
E-scooters are not to be confused with mopeds or Vespa-like scooters, which allow users to sit, and travel at relatively high speeds. Rather, e-scooters are operated while standing up and often cannot go faster than 15 to 20 mph. Users get started by downloading an app that will help them find a nearby e-scooter. They can then unlock the vehicle for an initial starting fee with total payment being calculated according to either distance traveled or how long the user rides the scooter.
E-scooters are usually dockless and operate like dockless bike-sharing programs with users able to find and park the vehicles in a wide variety of locations. E-scooters often do not require the operator to have a driver’s license.
Know the Risks and Rules
While operating an e-scooter, users are required to obey state and local traffic laws, but these can vary greatly depending on where you live or where you’re riding. Some jurisdictions have implemented laws pertaining specifically to e-scooters that limit where they can be ridden and how fast they can travel, so make sure you are familiar with the local rules before you take a ride.
Even if you are certain that you’re not breaking any laws, operating any type of motor vehicle, even an e-scooter, brings a certain amount of risk. E-scooters might not travel as fast as cars, but even at speeds as low as 15 mph, an accident involving a rider, pedestrians or other motor vehicles can lead to serious injuries including broken bones, head injuries and soft-tissue injuries.
Where Does the Finger Point?
With e-scooters still being a relatively new form of transportation, many insurance companies are still inconclusive on how coverage and liability applies to accidents and injuries caused or suffered by riders.
You may be riding at your own risk when you step onto a scooter, so it’s important to know whether you’re covered under your own insurance policies. Your homeowners and auto insurance policies may have been created before the rise of e-scooters, so there may be no mention of the devices.
A standard homeowner policy does not cover motor vehicles, and standard personal auto policies exclude liability coverage for vehicles with less than four wheels—e-scooters generally have two. Motorcycle insurance also might not cover e-scooters. Personal liability umbrella policies provide coverage for incidents excluded from underlying insurance policies, and thus may provide coverage for e-scooters.
It is important to know the specific details of your homeowners and auto policies before you can count on coverage for an injury or accident involving an e-scooter. Contact TWFG Insurance Spring / The Woodlands today for more information.
Mental health plays a huge role in your overall health and well-being. It affects everything, including how we think, feel and act, and helps determine how we make healthy choices and cope with stress.
Because it’s such a crucial component of your health, it’s important to focus on maintaining or improving your mental health. Here are five simple ways to do so every day:
Eye Health 101
Keeping your eyes healthy is a very important task. Fortunately, it’s also an easy thing to do. Here are five simple ways you can keep your eyes healthy:
The Unexpected Ingredient in Your Oats
It’s not a superfood, and it’s not naturally occurring. It’s a pesticide. According to a report by the Environmental Working Group (EWG), almost three-quarters of the oat cereal, oatmeal, granola and oat bars contained traces of glyphosate.
Glyphosate is one of the most widely used herbicides in the world. It’s the main ingredient in hundreds of weed-killing pesticides.
Are oats safe to eat?
Federal officials report that the levels found in the oats is deemed to be “safe.” However, EWG claims that no level of exposure is safe, as glyphosate was classified as a probable carcinogen in 2015. To reduce your exposure, but still eat your oats, opt for organic oats.
-TWFG Insurance Spring Tx - The Woodlands (281) 466-1310
Insurance policies are often filled with terms that can be difficult to understand, particularly for the average insurance buyer. Of these terms, “named perils” and “open perils” are some of the easiest to confuse.
When it comes to understanding what their coverage entails and ensuring their policies are adequate enough to protect against the most common risks, homeowners need to have a basic understanding of how perils are used in their insurance contracts.
What is a Peril?
In insurance, the source of a particular loss or damage is considered a peril. In that regard, a peril can be any number of hazards or events that lead to a claim. Often, insurance contracts use the term peril to describe what risks are covered under a particular policy.
Common perils in home insurance policies can include, but are not limited to, the following:
It should be noted that not all perils are covered in a given policy. For instance, while an earthquake is considered a peril by definition, it may be excluded from a residential insurance policy. Homeowners would need dedicated earthquake insurance in this instance. This is an important distinction when it comes to understanding your insurance and what is or isn’t covered. That’s where named and open perils come into play.
Named and Open Peril Policies: Which One is Right for You?
There are effectively two types of homeowner policies to be aware of to ensure you are appropriately covered:
1) Named peril insurance policies—Under these types of policies, coverage kicks in only following losses from perils or damages specifically named in the policy itself. This often includes things like fire, theft, falling objects and vandalism. Essentially, if the policy doesn’t specify whether or not a given peril is covered, it likely isn’t. Under these types of policies, the burden of proving that a named peril caused a loss lies on the insured.
2) Open peril insurance policies—Open peril policies (sometimes 1.referred to as all-risk or all-peril policies) provide coverage for all perils except those specifically excluded in the policy itself. While often more expensive than named peril policies, open peril policies are more comprehensive and usually have higher limits. In addition, under these policies, the burden is on the insurance company to prove whether a peril is excluded. Exclusions may vary by policy but generally apply to perils that require standalone insurance or are altogether uninsurable.
The type of policy that’s right for you will depend on your specific situation. For instance, those that live in natural disaster-prone regions will need a different kind of policy than those in lower-risk areas.
When determining what coverage to elect, it’s a good practice to inventory your property and assess the most common risks to your home. A qualified insurance broker can help you through this process, helping you secure the coverage that makes the most sense for you.
To learn more contact TWFG Spring / The Woodlands today.
www.insuringhouston.com | (281) 466-1310
More than 50 people, mostly children, have been infected by the measles in the United States this year. This particular outbreak concerns southwest Washington and northwest Oregon. Nationwide, though, the Centers for Disease Control and Prevention (CDC) states that eight other states (California, Colorado, Connecticut, Georgia, Illinois, New Jersey, New York and Texas) have reported cases of measles in 2019, bringing the total of reported cases to 79.
What is measles?
Measles is a highly contagious illness caused by a virus called rubeola. People are most susceptible to contracting this illness in early childhood. In the current outbreak in Washington and Oregon, the majority of the cases involve children between 1 to 10 years old. Measles usually causes fatigue, runny nose, cough, slight fever, and head and back pains. In later stages, it can cause a high fever, Koplik’s spots (small white dots) inside the mouth and a rash that starts around the hairline and spreads downward.
Measles has a 25 percent hospitalization rate, is not treatable and has no cure. The virus can lead to serious complications, such as encephalitis, or inflammation of the brain. In some extremely severe cases, measles and its complications can be fatal.
How can the measles be prevented?
Measles can be prevented with the measles, mumps and rubella (MMR) vaccine. This vaccine is typically given in two different doses, the first being administered between 12 to 15 months of age and the second being administered between 4 to 6 years of age. The CDC reports that the two doses together are 97 percent effective at preventing the disease, while just getting one dose is 93 percent effective at preventing the disease.
Without being vaccinated, you’re at risk of contracting measles, especially because it is a highly contagious illness. If you live in an area that’s experiencing a measles outbreak, call your doctor for recommendations on what to do. Your doctor may recommend staying in your house until the outbreak subsides.
Did You Know?
If your home becomes uninhabitable for reasons covered in your renters insurance policy, the insurance company will reimburse you for your temporary living expenses until you are able to find a new place to live. Renters insurance is there to not only protect the belongings in your home, but so much more.
There are so many misconceptions when it comes to what renters insurance is and what it covers. Here are some common myths about renters insurance:
I don’t have enough stuff to get renters insurance.
My landlord’s insurance will cover the damages to my belongings.
Personal belongings are the only things covered under renters insurance.
I can’t afford renters insurance.
We spend a lot of time and energy filling our living spaces with items that make it feel like home—it only takes one unexpected event to have it all stripped away. Renters insurance can give you peace of mind knowing that you and all of your belongings are covered.
For your quote on Renters Insurance in Spring Texas call TWFG Insurance Spring / The Woodlands 281-466-1310.
Manufactured homes, also commonly referred to as mobile homes, are built in a factory and moved to a chosen location, they aren't much different than a site-built single-family home — but obtaining coverage specific to your mobile home is essential. A standard homeowners insurance policy will not cover your liabilities in the same way this specific policy will.
A mobile home insurance policy will provide coverage for your home and property such as the following:
For added protection, consider purchasing these endorsements:
Top Ways to Save:
Call TWFG Insurance Spring / The Woodlands for your quote on mobile home insurance today 281-466-1310.
The internet, smartphones and other online technologies have helped businesses streamline their supply chains and inventories. However, human error, software incompatibilities between vendors and a lack of transparency can cause even the most efficient operations to experience time-consuming and costly errors.
Online cryptocurrencies like bitcoin depend on a technology called blockchain that can instantly share, secure, verify and store records simultaneously. As a result, many businesses are using blockchain systems to implement efficient and secure recordkeeping systems.
What is blockchain and how does it work?
Blockchain is a new type of shared, encrypted recordkeeping system that can be seen in real time by everyone involved in a supply chain or other business operation. These systems work by recording a separate record, or “block,” every time a process is updated.
Essentially, each block in the system serves as a digital puzzle piece that verifies the next record, creating a digital chain. Each block is encrypted and can’t be changed, since altering any information in the record would be like taking a piece out of a finished puzzle and trying to change its shape.
Advantages of blockchain
Because each stakeholder in an operation keeps a separate copy of blockchain records, the systems allows for a large amount of transparency and communication. Businesses can also customize how users see information in a blockchain system. For example, an online retailer could let a customer view their orders and shipping statuses, but not their full inventory system.
Blockchain technology can give businesses an instant picture of both large and small-scale operations, such as a single product’s location or real-time sales figures. And since records can’t be altered or viewed without permission, they’re extremely safe from cyber attacks and data breaches.
Here are some of the potential benefits of a blockchain management system:
Heavy rain, storm surge, hurricanes and other severe weather events can lead to devastating floods that cause extensive damage. According to the Federal Emergency Management Agency (FEMA), flood damage totaled over $8 billion in 2017 and many of the affected areas are still recovering from the impact.
After a flood hits your business, you’ll still have expenses such as building leases, employee payrolls and cleanup costs. And because any business interruption means that your revenue will be lowered or gone altogether, you’ll need a source of income quickly.
Although flood insurance is there to help you recover and rebuild your business, you need to know how to make a claim so that you can get all of the coverage you can as soon as possible.
Starting the Claims Process
You can start the claims process immediately after a flood. However, before you call us at (281) 466-1310, you should make sure you have the following information:
When the insurer that issued the flood policy gets notice of your loss, you may be able to qualify for an advance payment before the inspection. However, these payments are at the discretion of the insurer and shouldn’t be relied on when you’re planning your recovery process.
After the claims process has started and local officials have determined that it’s safe, you should return to your property to prepare for an inspection to assess the damage.
Here are some steps to take before an inspection:
The Inspection Process
Once a claims adjuster arrives to inspect your business, make sure to record their contact information. After walking through the National Flood Insurance Program’s claims process, the adjuster will inspect your property and take measurements and pictures of the damage.
If an adjuster finds that your business has extensive damage, you may qualify for an accelerated claims process to help you begin repairs immediately. Your adjuster may also have advice for you based on your specific policy.
Making Repairs and Other Resources
When working with contractors, vendors and third parties after a flood, it’s important to keep copies of all receipts, bank statements, invoices and other documents that show how you paid for repairs. These items may be used as permanent records in case your business floods in the future, and they could affect how much you’re compensated.
Getting your insurance coverage after a flood is key, but you have other resources at your disposal. FEMA’s website has a number of resources and programs you can use to recover. You can also contact TWFG Insurance - Spring / The Woodlands for any questions on your flood policy or for resources to help you reduce your damage with pre-incident plans.