Category: Safety

Stay safe with expert tips on a wide range of topics, from home safety to disaster preparedness.

Fourth of July Safety Tips

The Fourth of July is a time for celebration, but your holiday plans can also come with safety risks. If you have Independence Day plans this year, make sure to follow these safety tips to avoid any holiday mishaps. From grilling food to watching fireworks, we have you covered with everything you need to know to stay safe this Fourth of July!

Don’t forget sunscreen

Celebrating the Fourth of July often involves spending long hours outdoors. To protect your skin from harmful UV rays, apply a broad-spectrum sunscreen with an SPF of at least 30. Don’t forget to reapply every two hours, especially if you’re swimming or sweating. 

Never relight fireworks

One of the most important rules when handling fireworks is to never attempt to relight or pick up a firework that didn’t go off as planned. A dud firework can still be live and may ignite unexpectedly, causing serious injuries. It’s best to wait for at least 20 minutes before approaching it, and then carefully douse it with water using a bucket or hose before disposing of it properly.

Keep a bucket of water or hose nearby

Fireworks have the potential to start fires, especially when used in dry areas. To prevent any unintentional fires, always keep a bucket of water or a hose nearby when setting off fireworks. This enables you to quickly extinguish any flames that may arise.

Consider protective eyewear and ear protection

Safety gear is essential when handling fireworks. Protect your eyes by wearing safety glasses to prevent potential injuries from sparks, debris, or malfunctioning fireworks. For young children, consider using ear protection like earplugs or earmuffs, as loud bangs can be startling and potentially harmful to their sensitive hearing.

Correctly dispose of used fireworks

Proper disposal of spent fireworks is critical to avoid fires. After a firework has been used, place the finished casing in a bucket of water to ensure that all embers are fully extinguished. Leave the fireworks submerged overnight before disposing of them in a metal trash can. This process helps eliminate any lingering embers that could reignite.

Additional safety tips:

  • Make sure fireworks are legal in your area and abide by all local ordinances and guidelines for the use of fireworks.
  • Never point or throw fireworks at another person, animal, structure, vehicle or flammable material.
  • Keep pets safe and calm by putting them indoors or in a secure, comfortable space, preferably with a familiar person nearby to help reduce anxiety.
  • Planning on celebrating by the pool or on a boat? Follow our top tips for pool and boat safety before heading out on the water.

By following these essential safety tips, you can ensure that your celebrations are not only fun but also secure for everyone involved. Remember, a little preparation and caution can go a long way in preventing accidents and making sure everyone enjoys the holiday. Stay safe, have fun, and happy Fourth of July!

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 home, auto, commercial 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 Facebook, Instagram and LinkedIn.

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 home, auto, commercial 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 Facebook, Instagram and LinkedIn.

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 home, auto, commercial 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 Facebook, Instagram and LinkedIn.

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 home, auto, commercial 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 Facebook, Instagram and LinkedIn.