Property & Casualty Profile – November 2017

In this Issue:

  • Holiday Safety Measures. Be sure to take extra safety precautions this year to ensure that the holiday season is full of joy and not disaster. Follow our Thanksgiving safety tips and holiday decoration guidelines to stay safe and keep your business, home and family intact.



Did you know:

  • Cooking fires nearly double on Thanksgiving Day than on any other day.
  • Home fires are the most common disaster in our nation.
  • Approximately every 2 ½ hours, someone is killed in a home fire.
  • Having a working smoke alarm increases your chances of survival by almost double.


    As the temperatures outside start to drop and the Halloween candy stash begins to disappear, it’s time to bring out the turkeys for Thanksgiving dinner. The latest trend in preparing turkeys during the holiday season is deep frying. While the results can be delicious, the outcome could be very dangerous if proper safety precautions aren’t taken.         

      There are a number of things that could happen while deep frying a turkey: fryers can easily tip over, exposing you, your family and your home to over 5 gallons of hot oil; without temperature controls, fryer units can overheat to the point of combustion; overfilling the pot with oil can cause for oil to spill over and cause a fire when it comes in contact with flames under the pot. Following the Thanksgiving Safety guidelines will prevent many of these accidents from occurring. Deep fryer safety tips:  

  1. Stay Away from The House – Set up the turkey fryer more than 10 feet away from your home and keep children and pets away. Never leave it unattended.
  2. Find Flat Ground – The oil must be even and steady at all times to ensure safety. Place the fryer on a flat, level surface and carefully gauge the amount of oil needed.
  3. Use a Thawed and Dry Turkey – Make sure your Thanksgiving turkey is completely thawed and dry. Extra water will cause the oil to bubble furiously and spill over. If oil spills from the fryer onto the burner, it can cause a fire.
  4. Monitor the Temp – Use caution when touching the turkey fryer. The lid and handle can become very hot and could cause burns. Also be sure to keep track of the oil’s temperature as many fryers do not have their own thermostats.
  5. Be Prepared – Have a fire extinguisher (multipurpose, dry-powder) ready at all times if the oil ignites.



As the holiday season gets into full swing, many families decorate to spread some cheer and make their homes more festive. While holiday decorations can be fun and beautiful, they can also present fire hazards. We welcome your displays of holiday spirit, but it is important to keep safety in mind. Here are some holiday safety guidelines to follow to ensure we all celebrate the season safely:

  • Only buy electrical decorations that have a UL rating on the label, which indicates that they have been tested for safe use.
  • Follow all installation and usage instructions for lighting decorations to ensure that you are not increasing your chance of starting a fire.
  • Inspect new and used lights before using them and discard any that have cracks, exposed wires or loose connections.
  • Do not connect more than three sets of lights to an extension cord at one time.
  • Mixing and matching lights can create a fire hazard; keep outside lights outdoors and inside lights indoors.
  • Plug outside lighting only into a ground fault circuit interrupting (GFCI) outlet, as this will safeguard the outlet from any interaction with water.
  • Do not secure outside lights with staples or nails, and avoid placing indoor extension cords under carpeting, rugs, and furniture.
  • Unplug lighting decorations before going to bed and leaving the house.
  • If you set up a Christmas tree, place the tree in a sturdy stand at least 3 feet away from heat sources.
  • Only keep your Christmas tree for two weeks, because it will dry out quickly and can become highly flammable.


If you blow a fuse while decorating, discard the faulty light string or decoration and replace the blown fuse. If the fuse blows again, contact an electrician to investigate the problem further. This might indicate a more serious wiring problem in your home.



Setup with Caution:

  • Make sure that you select the right ladder for the task you are doing by checking the length of the ladder and its duty rating.
  • If you are doing work near power lines, never use a metal ladder because they conduct electricity.
  • Before using a ladder, inspect it for damage to the rungs, spreaders and safety feet.
  • Do not place a ladder in front of a door that is not locked or guarded.
  • Place ladders on steady surfaces that are flat and firm.

Usage Warnings:

  • Do not be in a rush to finish a job, primarily when working up high.
  • Make sure that the weight your ladder is supporting does not exceed the maximum load rating.
  • Do not allow more than one person on a ladder at a time.
  • Stay centered between the rails of a ladder at all times and do not lean too far to the sides when working.
  • Never step on the top step or stand on the rear section of a stepladder.
  • Come down from a ladder if you start to feel dizzy or tired.

Helpful Resources:

Holiday Safety: Decorating
Ladder Safety Flyer


This flyer is for informational purposes only and is not intended as professional advice.


Copyright © 2017 Montoya & Associates, All rights reserved.
Our mailing address is:
4233 Pablo Professional Court
Jacksonville, FL 32224
(904) 280-2028


Download Full Newsletter here: P&C Profile – November 2017