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Fall insurance tips

Posted September 10, 2014 in Advice Column, Norwalk

The leaves are changing, Norwalk’s football team is doing well, and the weather is finally getting cooler, but are your insurance needs ready for fall? Read some tips below to make sure you are ready to enjoy the cooler weather.

Watch out for school children
Fall is back to school time. In Iowa, the state will suspend your license for going around a school bus, no matter the circumstance. Please allow yourself extra time when school buses are on the roads in the mornings and afternoon. Slow down when approaching children who are on the side of the road. Remember that a child younger than 7 years of age in not responsible for his or her actions. Children between the ages of 7 and 14 are usually not held liable for their actions.

Fire Prevention Week
Fire Prevention Week is the second week in October. We recommend a few standard maintenance items:
•    Please have your chimney professionally cleaned and maintained annually by a professional. We have a business in Norwalk, Climbing Boys Chimney Cleaning, that does a good job with that.
•    Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust and pieces of material.
•    Inspect your smoke detectors. Make sure the batteries are charged, or change them annually as needed.
•    Have your furnace cleaned and inspected annually by a qualified technician.
•    Keep flammable materials, including all lawn and power equipment away from the water heater and wiring in the basement.
•    Insulate water pipes in areas exposed to cold temperatures.
•    Check for damage to your roof, and clean gutters and downspouts to keep debris from accumulating. This is especially important during the fall season as leaves could clog downspouts and cause rain water to back up and flood your basement.

Hopefully these few tips will prevent you from having preventable losses on your home. Have a safe October.

Information provided by Mike Lane, Lane Insurance Agency, Inc., 1225 Sunset Drive, (800) 244-4608.

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