Decorating Safely for the Holidays

Decorating Safely for the Holidays

Don’t let fire or accident spoil your holiday season.  Use these tips to keep your family safe while celebrating all winter long!

The winter holidays are a time for fun, family, and festivities.  That often means more cooking, decorating, entertaining and shortcuts.  Christmas trees, candles, and holiday lights are responsible for hundreds of fires and accidents each year.  Before you deck your halls, make sure you’re following these safety tips.

-Inspect your holiday decorations carefully to make sure there are no loose or frayed wires.  Choose those made with flame-resistant, flame-retardant or non-combustible materials.

-Keep candles away from decorations and other combustible materials, and do not use candles to decorate your Christmas tree.

-Purchase only lights and electrical decorations bearing the name of an independent testing lab, and follow the manufacturer’s instructions for installation and maintenance

-Do not overload extension cords.

-Always unplug lights before replacing light bulbs or fuses.

-Don’t use clips or nails that puncture your light cords wire insulation.

-Keep children and pets away from light strings and electrical decorations

-Turn off all lights and decorations when you head out for the day or go to bed at night.

-Test your smoke alarms to make sure they are working properly as a backup

-If you have a real tree, keep it moist by watering frequently.

-Candle fires in the home are reported to a U.S. Fire Department every 34 minutes during the holidays.  If you are decorating with candles, make sure they are far away from any item that can burn such as furniture, bedding, curtains or other decorations.

Follow these safety tips to ensure Happy Holidays for all!

These tips are designed as general information that may apply to many situations.  Please take them and apply them to your specific information.

For more information on Home, Auto, Business, Life or Flood Insurance, contact the specialists at C.H. Edwards, Inc.  We are happy to provide you with the information that will best protect your family.  www.chedwards.net

 

 

 

 

 

Having a Summer Party? Know your Responsibility with regard to the Social Host Law

Having a Summer Party? Know your Responsibility with regard to the Social Host Law

Social Host

The summer season is traditionally known for parties. Memorial Day, Graduation, Fourth of July and Labor Day are reasons to celebrate and often these celebrations include the consumption of alcoholic beverages.

The Social Host Law was designed to deter underage drinking at parties where adults knowingly allow minors to drink alcohol or alcoholic beverages. The law applies to any adult (including parents) who is over the age of 18 and who knowingly allows consumption of alcohol by minors. A minor is considered to be anyone under the age of 21.

Who can be charged? Anyone who is over the age of 18 and owns, rents or otherwise controls a private residence or similar location (campsites, hotel rooms, yards, etc.) and knowingly allows the consumption of alcohol or alcoholic beverages by a minor on such premises or fails to take reasonable corrective action upon learning of the consumption of alcohol or alcoholic beverages by any minor on the premises.

What is “Reasonable Corrective Action” Actions that include, but are not limited to, making a prompt demand that the minor stop drinking the alcoholic beverage or leave the premises. If the minor refuses to comply with the request, the adult must promptly report the incident to local law enforcement or to any other person with greater degree of authority over the minor such as the parent or guardian.

What are the penalties? The first offense comes with the penalty of a $500 fine. The second offense, $1,000 fine and/or up to a year in jail.

Is there any protection for you under your Homeowners Policy? There is no coverage under your Homeowner’s Policy for an offense or damage connected to the violation of the Social Host Law.

This law provides a legal basis for holding adults responsible for knowingly allowing parties for youth under 21 to occur at the place under their control, whether or not they provided the alcohol.

Please note: This law does not apply to a parent who both expressly permits his or her minor child to consume the alcoholic beverage and who is present with the minor at the time of consumption.

Know your rights and have a Happy and Safe Summer party season from C.H. Edwards, Inc., the agency that takes pride in educating our consumers! www.chedwards.net or visit us on Facebook at www.facebook.net/chedwardsinsurance.

Discounts on your Insurance are available!

Discounts on your Insurance are available!

There are many different types of discounts that we can make available to our customers. The first is a coupler discount. This means that your home and auto are insured together. Another discount can be added if an umbrella policy is included in the package. Some of the other discounts that we can make available to you are age of home, home buyer, renovations, claim free, retirement, gated community, and protective devices. 

C.H. Edwards, Inc. is an Independent Insurance Agency who represents over 15 A+ rated, highly competitive insurance companies. We specialize in Auto Insurance, difficult to insure Long Island homes, as well as a full range of Commercial Insurance. Flood insurance and Life insurance are also available at competitive prices. Let our Independent Agents do the shopping for you!

Does any of this sound interesting to you? Make a no obligation phone to C.H. Edwards, Inc. today and let us tell you how these discounts can help you save even more money! Don’t delay, give us a call today.

Let us make today a great day!
(516) 249-5200