Boat Owner’s Guide to Safety

As much fun as hitting the water can be, owning a boat is not all fun and games. Whether you’re a seasoned sailor or just starting out, prioritizing safety should always be at the forefront of your boating adventures. Keep reading for safety tips every boat owner should know! 

Wear life jackets

There’s a reason they’re called life jackets! Before setting sail, ensure that every person on board has access to a properly fitted life jacket. These jackets should be appropriate for each individual’s size and weight, and they should be worn at all times, especially for children and non-swimmers. Remember: adult life jackets will not work for children. There are several options for life jackets, so be sure to check the label for the size and weight limits. 

Know Oklahoma’s boating laws

Every waterway has its own set of regulations and laws governing boating activities. It’s crucial to familiarize yourself with Oklahoma’s boating laws–or wherever you’re boating–before embarking on any journey. Understanding speed limits, navigation rules, and safety requirements can prevent complications while on the water.

Look at the forecast ahead of time

Checking the weather forecast before heading out is a fundamental aspect of boating safety. Sudden storms or adverse weather conditions can turn a pleasant excursion into a dangerous situation. Stay informed about any impending storms to make decisions about when it’s safe to get on the water.

Drink plenty of water 

Spending time on the water, especially under the hot sun, can quickly lead to dehydration. To ensure everyone’s well-being, make sure to bring an ample supply of clean water on board. Dehydration can impair judgment and coordination, increasing the risk of accidents, so staying hydrated is important. 

Make sure you’re covered

Boating accidents can happen unexpectedly, despite taking all necessary precautions. Having the right boat insurance ensures that you’re financially protected in case of damages, injuries, or liabilities arising from accidents on the water. Before setting sail, review your insurance policy to ensure it provides comprehensive coverage for your vessel and passengers. Talk to your local OKFB agent to learn more about your coverage options! 

Prioritizing safety is non-negotiable when it comes to enjoying your time on the water. By following these essential boat safety tips you can ensure a safe and enjoyable boating experience for yourself and your passengers! 

We’re Here to Help

Whether you’re a longtime policyholder or just starting to look for insurance options, we’re here to help. If you have questions or concerns that you want to discuss, connect with your local OKFB agent today. If you have any insurance-specific questions, we would love to help you find the coverage that best meets your homeautocommercial and life insurance needs.

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6 Tips for Keeping Children Safe on the Farm

Living on a farm or ranch can be an enriching experience for children. From exploring wide-open spaces to learning about livestock and crops, there’s so much for them to discover. However, it’s crucial to prioritize safety in these environments where hazards may be more common than in a typical backyard. Here are some essential tips to ensure child safety on your farm or ranch:

1. Set rules and boundaries

Establish clear guidelines for children to follow while on the farm. These boundaries may look different depending on their age, as older kids are a bit more aware and responsible than younger kiddos. These rules could include staying within designated areas, not wandering off alone, and asking permission before engaging in any activities. No matter their age, make sure your kids know what they are and are not allowed to do.

2. Keep dangerous items out of reach

Chemicals, sharp tools, and heavy equipment pose significant risks to children. Remember to store these items securely in locked cabinets or sheds to ensure they’re well out of the reach of curious little hands.

3. Establish safe play areas

Designate specific areas of the farm as safe zones for children to play. These areas should be away from machinery and livestock, with soft ground cover to cushion falls. Look for an open space for room to play that’s still in eyesight from where you’re supervising them! 

4. Remove keys from machinery

Prevent accidental starts by removing keys from tractors, ATVs, and other machinery when not in use. Be sure to store keys in a secure location. It’s also important to be on the lookout for kids wanting to climb heavier machinery, like on tractors. This can create fall hazards, so it’s important to be close by just in case.

5. Teach animal safety

Of course, don’t leave children unsupervised near livestock. Educate children about the proper way to interact with farm animals. Livestock and other animals can be unpredictable. Emphasize the importance of approaching animals calmly, avoiding sudden movements, and never teasing or provoking them. It’s important to teach them to always respect the space of animals, especially those with babies.

6. Supervise at all times

Perhaps the most important tip of all is to have supervision when children are on the farm or ranch. Even with safety measures in place, accidents can still happen. Be vigilant and attentive to ensure the well-being of your children at all times.

By following these farm safety tips, parents can help create a safe and enjoyable environment for children on the farm or ranch. With proper precautions and supervision, children can experience the wonders of farm life while staying out of harm’s way.

We’re Here to Help

Whether you’re a longtime policyholder or just starting to look for insurance options, we’re here to help. If you have questions or concerns that you want to discuss, connect with your local OKFB agent today. If you have any insurance-specific questions, we would love to help you find the coverage that best meets your homeautocommercial and life insurance needs.

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Storm Recovery Checklist: Filing a Claim

As we approach tornado season, it’s important to know not just how to prepare for storm season, but also what to do post-storm. While we can’t control the weather, we can control how we prepare and recover from its aftermath. With a storm recovery checklist in hand, you can navigate the challenges of rebuilding your life after a tornado or severe weather strikes.

1. Prioritize Safety with Emergency Repairs

The safety of yourself and your loved ones should always come first. After the storm passes, assess your surroundings for any immediate dangers. If safe to do so, make emergency repairs to secure your property and prevent further damage. Board up broken windows, patch up roof leaks, and clear debris blocking pathways. However, exercise caution and avoid entering severely damaged structures until they have been inspected by professionals.

2. Document the Damage

Before beginning any cleanup or repairs, thoroughly document the extent of the damage. Take photos and videos from multiple angles to provide a comprehensive visual record. This documentation will be useful when filing insurance claims. Be sure to capture both the interior and exterior of your property, including any personal belongings that have been affected.

3. Gather Essential Information

Before contacting your local agent, gather all necessary information, including your policy number, contact information for your insurance agent, and any relevant documentation related to your property and possessions. Having this information readily available will streamline the claims process and ensure that you receive the assistance you need in a timely manner.

4. Report Your Claim

Once you’ve gathered all the necessary information, it’s time to report your insurance claim. We offer a few ways to report, including calling our Claims Department or contacting your local OKFB agent. Provide them with a detailed description of the situation and be prepared to submit any documentation. Your agent will guide you through the claims process and help you understand what coverage is available to you.

5. Take Inventory of Damaged Property

Create a detailed inventory of all property that has been damaged or destroyed. This should include everything from structural damage to personal belongings. Document the make, model, and serial number of any major appliances or electronics, as well as the condition of any furniture or other items. This inventory will serve as a valuable reference and can help ensure that you receive fair compensation for your losses.

6. Follow the Status of Your Claim

Stay informed about the status of your insurance claim and follow up with your insurance provider as needed. Keep detailed records of all communications, including phone calls, emails, and written correspondence. 

At OKFB Insurance, our 10 regional claims offices help make the claims process as quick and smooth as possible. By following this storm recovery checklist, you can take proactive steps to ensure your safety, protect your property, and navigate the insurance claims process with confidence. Together, we can weather the storm and rebuild stronger than ever before.

We’re Here to Help

Whether you’re a longtime policyholder or just starting to look for insurance options, we’re here to help. If you have questions or concerns that you want to discuss, connect with your local OKFB agent today. If you have any insurance-specific questions, we would love to help you find the coverage that best meets your homeautocommercial and life insurance needs.

Don’t forget to follow us on social! This kind of information and more is just a click away. You can find us on FacebookInstagram and LinkedIn.

5 Tips to Prevent Fires in Your Home

Keeping your home safe is a top priority, so making sure to avoid fires is obviously top of mind. From installing smoke alarms to maintaining heating sources and crafting emergency escape plans, these tips can help make your house a safer home for you and your loved ones. Keep reading for tips on how to prevent fires in your home! 

Install Smoke Alarms

To enhance your home’s safety, strategically place smoke alarms on every level of your residence and outside every sleeping area. Regularly check these alarms to ensure they are in proper working condition and change their batteries at least once a year.

Maintain Heating Sources

Regular inspections and cleanings of home heating sources, including furnaces and stoves, are essential. Keeping up with maintenance gives you an opportunity to address any issues to prevent malfunctions before it’s too late. Also, remember to regularly check for cracked or rusted furnace parts and tend to any creosote buildup in chimneys.

Stay Informed About Recalls

Keep yourself informed about recalls related to home appliances that pose a fire hazard. Register your appliances with the manufacturer to receive timely recall notices. Take immediate action to replace or repair any recalled appliances, reducing potential fire risks in your home. You can search for recalls through the Consumer Product Safety Commission’s website, or by downloading the app

Keep Flammable Items Away from Heat

Maintaining a clean and clutter-free kitchen stove area is crucial. Store flammable items such as pot holders, towels and curtains away from cooking surfaces. Additionally, avoid leaving cooking appliances unattended while in use and regularly clean oven hoods and vents to prevent grease buildup.

Have an Emergency Escape Plan

Practicing emergency escape plans is vital for every household. The American Red Cross suggests all members, including children, know two ways to escape from every room. Conduct fire drills regularly to familiarize everyone with escape routes. Designate a family meeting spot outside the home where everyone gathers after escaping, and ensure that windows and doors can be easily opened and unlocked.

Home safety is a collective responsibility that demands diligence and proactive measures. By implementing these home safety tips to prevent fires, you not only protect your property but also prioritize the lives of your loved ones.

We’re Here to Help

Whether you’re a longtime policyholder or just starting to look for insurance options, we’re here to help. If you have questions or concerns that you want to discuss, connect with your local OKFB agent today. If you have any insurance-specific questions, we would love to help you find the coverage that best meets your homeautocommercial and life insurance needs.

Don’t forget to follow us on social! This kind of information and more is just a click away. You can find us on FacebookInstagram and LinkedIn.