Ed. 12/2005 IFS-A111968

Personal lines products are underwritten and issued by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, Massachusetts. Liberty Mutual is an Equal Housing Insurer. Liberty Mutual has authorized Prudential Insurance Brokerage, Inc. or its

subsidiaries, affiliates of Prudential Insurance Company of America, and certain Prudential agents to distribute its personal lines products. Liberty Mutual and Prudential Insurance Brokerage, Inc. and its subsidiaries and affiliates are not affiliated companies.

Liberty Mutual Personal Market

Winter PreparednessAuto

Presenter’s Name

Presenter’s Position

Liberty Mutual Personal Market

Preparing your vehicle for winter driving

Source: http://www.fema.gov/hazards/winterstorms/

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Checklist

• First, read your owners manual! • Battery• Antifreeze • Wipers– those traveling in heavy snow

should install winter wiper blades.• Windshield washer fluid • Ignition system • Thermostat • Lights

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Checklist

• Flashing hazard lights

• Exhaust system

• Heater

• Brakes

• Defroster

• Oil level

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Install good winter tires

• Good tires

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Before you start

• Clear all windows

• Clear the hood and roof

• Carry supplies– Spray deicer– A snow and ice scraper– A rag– Extra windshield washer – Spare set of wiper blades

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Traveling in Bad weather?

If you are traveling long distances or travel in heavy snow, the

following items should be kept in your vehicle.

• Blankets• Cat litter, sand or snowmelt• Shovel• Water• Extra clothing• Cell Phone• Candles• A warm Hat• High Energy Foods

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On the road• Start off slowly

• Drive smoothly, allowing plenty of space

• Activate your directional signals sooner

• Use low-beam headlights

• Ice is more slippery at the freezing point

• If you skid, counter-steer

• Brake earlier, allow more time and space (at least 4 seconds.

• Keep inside of windows clear and dry

• Water collects in underpasses and can freeze

• Overpasses freeze sooner

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Increase your following distance

Normal Following

Time

Bad Weather Following

Time

Passenger Cars

2 Sec 4 to 6 sec

4 Sec 8 to 12 sec

Trucks and Buses

5 Sec 10 to 15 sec

6 Sec 51 to 60 sec

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Winter Driving Quiz

• How much fuel should you have at all times during the winter months?

• Answer – At least a half a tank.

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Winter Driving Quiz

• What is the appropriate following time for a passenger car in bad weather?

• Answer – 4 - 6 seconds.

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Winter Driving Quiz

• If moisture or frost clouds the insides of windows en route what should you do?

• Answer - Stop and remove it.To keep inside of windows “clear and dry”

(Turn on the air conditioning to dehumidify the air.) If this happens frequently, take your car to a service facility. This could be a symptom of a problem with your heating system.

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Winter Driving Quiz

• Where does water accumulate,

creating icy patches?

• Answer – Underpasses.

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Winter Driving Quiz

• True or False? If your car breaks down in a snow storm, the first thing you should do is get out of the car and try to find safety.

• Answer – False! Stay in the car.Do not leave the car to search for assistance unless help is visible within 100 yards. You may become disoriented and lost in blowingand drifting snow.

Liberty Mutual Personal Market

Preparing your home for winter weather

Source: http://www.ibhs.org/

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What is Carbon Monoxide?

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Sources of Carbon Monoxide

• Fireplace

• Woodstove

• Water Heater

• Gas Clothes Dryer

• Gas Stove

• Engines (car, snow blower, portable generator)

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Prevention Checklist

• Install UL- approved CO alarms. • Have gas appliances and water heater. professionally

inspected annually.• Use fuel-burning space heaters temporarily.• Do not start or leave running cars in enclosed areas.• If a CO alarm sounds, shut off all possible sources of

CO and ventilate your home. If the alarm sounds again, immediately contact a qualified professional to inspect for leaks.

• If family members are experiencing symptoms of CO poisoning, evacuate your home andcall your fire department.

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Freezing PipesPreventing Damage

• Know how to shut off the main water valve.

• Insulate pipes.

• Turn off and drain water to outdoor spigots.

• Keep heat at 55F or higher.

• Keep sink cabinet doors open.• Leave the heat on if leaving home for extended

time. Ask someone to check your home daily.

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Freezing PipesPreventing Damage cont.

• Keep the attic well ventilated.

• Insulate the attic floor.

• Maintain your gutters.

• Trim trees and remove dead branches.

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If your pipes freeze

• Open all faucets.

• Remove insulation from affected pipes.

• Pour hot water over pipes.

• Call your plumber.

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If your pipes burst

• Shut off the water immediately.

• Avoid an electrical shock from water.

• Call your plumber.

• Take an inventory of any damaged property or possessions.

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Shoveling Snow*• Be careful if over 40 or relatively inactive. • Do not shovel if you have a heart condition.• Do not shovel after eating or while smoking. • Take it slow! • Use an ergonomic bent shovel.• Shovel only fresh snow.• Push the snow.• Don't pick up too much at once.• Lift with your legs, not your back.• Do not work to the point of exhaustion.• Dress warmly.

*The National Safety Council: http://www.nsc.org/

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Household Emergency Kit

• Food• Manual can opener• Paper plates, cups and plastic utensils• One gallon of water per person per day• Flashlights and batteries• Battery-powered radio• Cellular phone• First Aid Kit• Prescription medicines• Pet food and water for pets• Personal necessities (toilet paper, personal

hygiene, plastic bags, etc.)

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Winter Home Safety Quiz

• How many days’ worth of food should you maintain in your Household Emergency Kit?

• Answer ― Four.

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Winter Home Safety Quiz

• What is referred to as the silent cold -weather killer?

• Answer – Carbon monoxide.

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Winter Home Safety Quiz

• If your pipes burst, what should you shut off immediately?

• Answer – The water.

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Winter Home Safety Quiz

• What is the minimum temperature you should keep your house at to prevent your pipes from freezing?

• Answer – 55F.

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Winter Home Safety Quiz

• What should you keep clear of debris in order to prevent an ice dam?

• Answer – Your gutters Clean your gutters safely!

Lots of serious falls occur when homeowners do not take proper precautions. If you’re uncomfortable working at heights, you don’t have proper ladders, or you don’t know how to use them safely, have a professional clean your gutters.

Ed. 12/2005 IFS-A111968

Ed. 12/2005 IFS-A111968