Liability insurance in Beaverton, OR

Parental Liability

Liability insurance in Beaverton, OROur children quickly become the most important parts of our lives and our dreams suddenly become the dreams of our children. As we look at our own childhoods, we see the seemingly endless shenanigans we caused and while most of these things were harmless, they could be looked at now as liability concerns or outright against the law. In nearly all states, parents are solely responsible for the actions of their children. Not only property damages, but also personal injury that may be caused.

As parents it is important to ensure that your children understand the implications of their actions at an early age. While we can easily make the excuse that they’re just being children, we need to understand that as the adults we ensure their safety and the safety of others around them. Here are some simple examples where our children’s judgment can cause you a liability insurance claim.

  1. Swimming pools: The child who grows up with the swimming pool at their home becomes awfully popular in the summer time! Those hot summer days have other children begging to come over and take a dip! Ensuring that your child understands that other children are only allowed to come over when there is a parent there to supervise could save you not only from a tragic loss of life, but also a massive liability insurance claim. Consider a lock on your pool cover for those times when parents are not available.
  2. Matches, fireworks and other flammable materials: Children just seem to be drawn by the awe of fire. As a country we celebrate our independence with fireworks across the country. When children are allowed to have fireworks, there is a possibility they may use them in an unsafe manner when adults are not present. This could cause fires in neighborhoods, trees and fields – or even worse, personal injury. Be sure to keep your fireworks and other fire materials in a safe spot away from the curious eyes of your children.
  3. Swing sets: Your home may have the Taj Mahal of all swing sets. It is the talk of the neighborhood kids! If your swing set or playground is open to the neighborhood, be sure to routinely inspect it. Loose boards, bolts or brackets could easily cause a child to become injured while playing on your property, even if without permission you can be held liable.
  4. Firearms: Children grow up watching firearms used on television or in videogames. Even cartoons, new and old, represent firearms being used in an innocent and humorous fashion. Being sure your firearms are kept locked away with both a safe and a trigger lock is of upmost importance. Your child may want to show off the firearm to friends or worse, bring it to school to show there.

We hope your child is exempt from any of the above examples and enjoys the fun, careless childhood most of us were able to enjoy. It is important to understand that the actions of your child fall under your liability. Having you properly insured for these unforeseen, seemingly innocent actions is our job to recommend.

If you have questions regarding your liability insurance, call the agents at Hukari Insurance Agency. We live where you do and are an independent insurance agent, so we can help you find the right company to fit your needs. You can also check out our website, 24/7.

Home Inventory Checklist in Portland, OR

Keep a Home Inventory Checklist Just in Case

Two Ways to Construct a List

Home Inventory Checklist in Beaverton, ORFor most of us, we won’t have to experience a disastrous home loss such as a flood, fire, earthquake or other disaster. That doesn’t mean any of us should be less prepared for such an event should one occur. Preparing a home inventory can be a large task, but taking the time to do so can make a difference of thousands of dollars when it comes to your claims settlement as well as simple ease of processing your claim.

For many of us, where we live symbolizes us and what is in that house symbolizes our lives. Our belongings represent our memories, personal style and even investments that hold significant value such as art.  When you add up how much all of your personal items are worth, it can be a substantial figure into the many 10s of thousands of dollars or more.

Home insurance claims from disasters such as flood or fire are traumatic. A home inventory checklist can help you remember quickly what items you had. Would you recall exactly how many pairs of jeans you had and what brand they were? Would you recall how many pairs of shoes you had or what brands they were? What about art? Could you recall the name of the artist and how much you paid for it?

Taking the time to inventory your home can be useful in the event of theft or damage to the contents of your home. Keep track of your items with this easy to use chart! You can even attach photos of your items and quickly send this chart to your insurance agent to help speed up the claims process. Another way to document is with a thorough video or video series. Be sure to store your home inventory checklist in a safe place like in the cloud.

The good news is your insurance agent likely gave you sufficient coverage for your personal property. If you feel like you need more, be sure to tell your agent. Home, renters and condo insurance policies typically come standard with this coverage.

If you have questions about your home or renters insurance, call the insurance agents at Hukari Insurance in Beaverton, OR. They have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.

Carbon Monoxide Poisoning Portland, OR

Keep your Friends and Family Safe from Carbon Monoxide Poisoning in Beaverton, OR

Keeping your Home in Beaverton, OR Safe from Carbon Monoxide PoisoningCarbon Monoxide Poisoning Beaverton, OR

 

Our homes should be places of comfort, relaxation and memories. That’s why it is important to protect your homes from dangers such as fires, theft and one people too often overlook: carbon monoxide (CO).

 

Carbon monoxide is an odorless, colorless gas that is produced when fuels such as wood, oil, natural gas and propane are not efficiently burned. Carbon monoxide can be produced by your household equipment such as generators, lawn mowers, barbeques and your furnace.

 

The Consumer Product Safety Commission reported that each year, 170 people in the United States are killed by carbon monoxide poisoning in their homes. These deaths can be caused when equipment malfunctions or when the products are used in areas that are not properly ventilated, such as a closed room.

 

The Center for Disease Control lists the common symptoms of carbon monoxide poisoning as headache, dizziness, vomiting, chest pain and confusion.

 

The good news about all this is that protecting your family from CO poisoning is relatively simple.

 

Follow these tips for Carbon Monoxide poisoning prevention:

 

  • Always have your home’s gas burning furnace, water heater and fireplace serviced by a professional. A professional will ensure the appliance is burning properly and is properly vented.
  • Install carbon monoxide detectors on every floor of your home (newly constructed homes, apartments and condominiums will likely already have these installed). For an extra level of protection, consider installing a CO alarm in every bedroom of your house.
  • Never leave a car idling in a garage
  • Keep portable generators at least 20feet from an open window
  • Never use a charcoal barbeque inside a home, tent or camper
  • Never use a gas oven to heat a home

 

Even a single carbon monoxide detector in your home could save lives. If you rent a home or apartment that does not currently have a carbon monoxide detector, ask your landlord to provide one. Many states require that homes have them installed. Review your state laws here.

 

If you have questions about your home or renters insurance, call the insurance agents at Hukari Insurance in Beaverton, OR. They have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.

 

Fire Extinguisher Maintanance

Learn How to Keep and Maintain a Fire Extinguisher in Beaverton, OR

How to Keep and Maintain a Fire Extinguisher in your HomeFire Extinguisher Maintanance

Your home is much more than the place that you live or where you sleep. It is where you create memories, raise a family and have family and friends over to visit. Keeping everyone safe while they’re there should be a first priority. But, when was the last time you looked at your fire extinguisher to ensure it would perform if a fire broke out in your home?

A fire extinguisher is arguably one of the most important pieces of safety equipment in your home or apartment (second only to a smoke detector) and should be kept up at regular intervals. Just because you have a fire extinguisher in the home doesn’t mean that it will function in case of emergency. With these tips, however, you’ll be better set in case of emergency and in the event you have to use an extinguisher to put out a fire.

  1. Inspect your extinguisher once per month.

Inspecting your fire extinguisher will ensure the canister is charged and ready to work in case of a fire. You should inspect the extinguisher for damage and check the charge meter (typically a green to red meter near the top). Try to inspect your fire extinguisher monthly to ensure it is where you left it and that the extinguisher is in good shape.

  1. Maintenance Your fire extinguisher really doesn’t require much, but should be maintained at least one time per year. Like any pressurized system, the canister will lose pressure over time. Ensure that it is “charged” and if required, get it recharged or replace the extinguisher.

Other items that should be considered are:

  • Is your extinguisher accessible? Are there items in front of your extinguisher that would cost you time or block your access to it in case of emergency?
  • Is the needle pointing to green on your extinguisher’s gauge?
  • Is the nozzle in good shape (perhaps it was dropped and damaged). If not, replace the extinguisher.
  • Is the pin intact and appear to be in good shape?
  • Is the canister itself in good shape and free of dents, rust or obvious signs of leaks?

 

Keeping your fire extinguishers in your home in good working order is just one of the important steps to keeping your home and house guests safe. It is also a way to avoid a costly and emotional homeowner’s insurance claim. If you have questions about our home insurance, call the insurance agents at Hukari Insurance in Beaverton, OR. They have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.

Fireplace Safety Portland, OR

Keep your Home in Beaverton, OR Safe this Winter by Following Proper Fireplace Safety

Protecting your Home and Guests from Fireplace Dangers in Beaverton, ORFireplace Safety Beaverton, OR

A fireplace is one of a home’s greatest features and can bring an ambiance and warmth to a space to create that perfect night in on a cold evening. As important as they are for creating the perfect mood, it is equally important to ensure that you properly maintain your fireplace.

Fireplace Safety and Maintenance

Wood Burning Fireplaces

  • Ensure your flue is open and clear from obstructions. It is important to take a peek up your chimney (before lighting your fire of course) to be certain the chimney is not blocked. Often time birds or other animals will make shelter in your chimney in the off-season, so be sure to check if you haven’t used your fireplace in some time.
  • Keep glass doors open. If you have a normal, wood burning fireplace, keep the screens closed, but the glass doors open. The doors are usually designed to keep a room insulated when not in use, not to keep the fire in. A chimney requires air to be pulled through and up the chimney, so keeping the doors open allows this air to flow properly while your screen keeps debris and sparks from flying out onto your carpet or other flooring.
  • Install a chimney cap. Chimney caps keep rain from damaging your chimney and keeps birds and other critters out. You should also put a screen across the chimney to prevent sparks from flying out and onto roofs or lawns potentially causing a fire.
  • If you have burned 70-100 fires call a chimney sweep to come and inspect your chimney. They’ll clean out any build-up and do a visual inspection to ensure your chimney is healthy and structurally sound.

Gas Burning Fireplaces         

  • Install an oxygen-depletion sensor, commonly known as a “safety pilot.” These safety pilots will turn off the gas if they detect the fireplace isn’t functioning properly or if too much carbon monoxide builds up.
  • Install carbon monoxide detectors near the fireplace and every floor of your home. A couple per floor would be ideal.
  • Maintain proper distance from the fireplace. Keeping objects away from the fireplace is the best way to avoid a fire or smoke damage. Keep curtains and other fabrics at least 3 feet away from the outside edge of the fireplace.
  • Contact your gas company or call 911 immediately if you smell gas in your home.
  • Clamp your fireplace damper open to prevent carbon monoxide from entering your home.

With all fireplaces it is important to keep your children and pets away. Burning fireplaces in a home can deplete the home of oxygen and replace it with carbon monoxide. Keep your carbon monoxide alarms in working order to ensure your family stays safe.

Keeping your fireplaces in your home in good working order is just one of the important steps to keeping your home and house guests safe. It is also a great way to avoid a costly and emotional homeowner’s insurance claim.

 

If you have questions about your home or renters insurance, call the insurance agents at Hukari Insurance in Beaverton, OR. They have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.

How to Avoid Decor Disasters – Holiday Edition

There is no escaping it now, the holidays are upon us. No matter how you celebrate, you have likely added some holiday décor to your home. Lights, candles and festive plants add a wonderful, warm ambiance to areas of your home but take some extra steps to ensure that your décor pieces don’t wreak havoc on your holiday.

Avoiding Decor Disasters in Oregon:

  • Holiday trees: Holiday trees, or bushes, are a common theme in many homes around our state. They may be opulent or simple, real or fake, faux snowed or natural. Each holiday tree requires a level of care to make sure that it does not turn into a fire hazard. If your tree is real, do not forget to water it! Trees will naturally lose moisture over the course of their holiday run. Household pets may steal water from under the tree and running the heater or fireplace may dry it out as well. A dry holiday tree can become a fire hazard if left unattended. According to the National Fire Protection Association, “Between 2007-2011, U.S. fire departments responded to an average of 230 home fires that started with Christmas trees, per year.” If your tree is dry, make sure to water it regularly and turn off holiday lights. It is also a best practice to not place a holiday tree near a fireplace or heater.
  • Lights: Holiday lights are used inside and outside of homes to brighten up the night. When placing your lights, make sure to place the correct type for the environment you are in. Inside lights for inside your home, outdoor lights for outside of your home or indoor/outdoor lights for either. If your lights have lived in storage since the last holiday, make sure to check that they are in proper working order free of wire frays or cuts. Frays or cuts in the wires could result in a fire under the right conditions.
  • Plants: Holiday plants are all over the stores. Mistletoe and holly, wreathes and poinsettias are often incorporated into a holiday décor scheme. There is a caveat: mistletoe, holly and poinsettias are all poisonous to both pets and people. If you plan on making any of these plants apart of your holiday decorations, make sure that they are up and out of the way, free from little hands and pet nibbles. If a child or adult happens to ingest any of these plants, a call to Poison Control (800-222-1222) is a must. If it is your pet, call your vet or local emergency vet immediately.

By taking a few extra steps like unplugging your holiday lights before you go to bed or when you leave the house, can help you avoid a decor disaster this holiday season. Before the holiday décor goes up, make sure to talk to your local, independent insurance agents in Beaverton, OR about your homeowner’s insurance. Hukari Insurance can assist you with any questions you may have, like “Does my homeowner’ insurance cover accidental fires?” Their expert agents can walk you through your policy and even add additional coverage like personal umbrella insurance should you want extra protection beyond your homeowner’s insurance. Be sure to check out their insurance website 24/7 for the other insurance products they sell and for more holiday tips visit the U.S. Consumer Product Safety Commission tip sheet.

Fire Safety Portland, OR

Summer fire safety tips

At some point this summer, you will most likely use fire for something. Whether it be a camp fire, fireworks or a grill, the potential for both fun and hazards is present. We put together a few fire safety tips for using fire (and its byproducts) safely and responsibly.

Fire Safety Oregon:

  • Camp fires:  Make sure that your campfire is well contained, either in a pit or surrounded by rocks and the area around and above it is free of flammable material. Watch sparks and shifts in the fire to ensure that the flames stay within the pit. Be sure to extinguish your fire prior to sleep and when you depart the camp site. Having a bucket of water or a fire extinguisher handy is a very good idea. If a forest or brush fire should start, you’ll want to contact the authorities (in many cases a camping host) immediately.
  • Fireworks: Whether you are shooting off fireworks in your neighborhood or at a campground (make sure this is within the confines of the campground rules), you should be prepared for anything. When lighting fireworks, make sure that there is nothing flammable around your area and keep fireworks away from houses and other structures. Keep a bucket of sand available to dispose of used fireworks and never throw used fireworks directly into the garbage as they could spark a fire. Make sure to keep a hose, water bucket or fire extinguisher in the event a rogue fireworks sparks a blaze. Should a fire occur dial 911 immediately.
  • BBQs: Barbequing is a summer pastime. Whether you prefer a charcoal or gas grill, you should take some safety precautions. Never grill too close to a dwelling wall or under an awning or porch, the heat from the grill could cause a spark. If you are storing a grill close to a dwelling, make sure the grill is completely cooled before putting it in place. When using a charcoal grill, closely follow the direction on the lighter fluid as large flames could start a fire and injure anyone standing too close.
  • Other causes: BBQs, fireworks and camp fires are not the only catalysts when it comes to fires. Sparks from ATVs, motorcycles, RVs and cars can start fires with the driver never knowing. Making sure your regular and off-road vehicles are in good repair may help prevent a random spark from starting a blaze.

According to the National Parks Service, “As many as 90 percent of wildland fires in the United States are caused by humans.” What it doesn’t mention: if you start a fire you may be liable for any restitution and damage costs, which could result in you being responsible for hundreds of thousands of dollars. Using proper safety techniques and having the right amount insurance may help cover some of those costs in the event you are found liable or negligent in a fire. Talk to your Beaverton, OR Hukari Insurance agent about how your home insurance policy may help protect you should you start a fire on your property or on a neighbor’s property. Having a personal umbrella policy may help reduce damage costs from an exhausted home insurance policy or negligence from a fire started away from your home. Ask your Hukari agent what may be right for your situation and budget. You can also visit our insurance website 24/7 to see what other insurance products we offer like boat or flood insurance. We hope you have a safe summer!

Wildfire Insurance Portland, OR

Don't get burned: Wildfire Insurance and a comprehensive Homeowner's Insurance policy

The heat of the summer is celebrated with sunglasses, board shorts and boating, and while it can be quite warm, the summer season is just downright pleasant in Beaverton, Oregon. But the summer heat does come at a cost. Summer is also fire season and each year millions of acres across the country are burned. It is not just forests or brush plains that are destroyed, homes and businesses that get in the fire’s path are consumed as well. According to the National Interagency Fire Center, wildfires burned more than 9.3 million acres around the country in 2012. The 2013 fire season has started off with destructive blazes in California, Colorado, Alaska and Arizona.

While many natural disasters like floods or earthquakes require a special insurance policy, wildfire insurance is generally covered under the comprehensive portion of a homeowner’s insurance policy. The price of the policy may be higher if you live in an area that is prone to yearly fires. Wildfires are both friend and foe, as they are needed to clear out overgrowth and dead trees. A charred forest allows for new growth trees and helps reduce the risk of another fire occurring in the exact same area during the summer months.

Oregon Wildfire facts:

  • The spark: Most wildfires start from lightning strikes. The dry foliage and hot winds provide the perfect setting for a fire to ignite. Wildfires can also start from simple mistakes like forgetting to completely douse a campfire or a spark from the backfire of a motorcycle or RV. Even if it is an accident, a person who is found negligent in starting a wildfire may be liable to pay restitution, which can be millions of dollars. Having a personal umbrella policy may help you pay some of those restitution costs.
  • Fighting fire with fire: Through a multi-tiered effort of local and federal agencies, firefighters try to starve a wildfire by creating a perimeter. Firefighters burn the wildfire’s food source, dry vegetation, it hopes that the wildfire will become more manageable, easier to put out with air drops of water. There is a risk however, burning a perimeter may result in another uncontrolled fire if the conditions are just right. But the same principle that firefighters use to try and control the growth of a wildfire could help prevent significant fire damage to your home.
  • Prevention starts at home: Helping protect your home from wildfire damage and a costly wildfire insurance claim starts in your yard. If you live in an area that is prone to wildfires, you will want to create a perimeter around your home that is free of debris and flammable materials. Keeping things like sheds and wood piles at least 30 feet away from your home helps reduce the chances of a fire jumping from one structure to the next. Remove a wildfires fuel source by pruning trees and removing dead or dying plants. There are also several websites that can show you how to fire proof your yard like Readyforwildfire.org and U.S. Fire Administration.

Take the time to learn about wildfire danger in your area and to prep your home against the threat of wildfires. Talk to your licensed insurance agent in Beaverton, OR to ensure that wildfire insurance is included in your comprehensive homeowners insurance policy. Hukari Insurance in Beaverton, Oregon can guide you through your homeowner’s insurance policy and add additional coverages like flood insurance and earthquake insurance. Their years of insurance experience can save you a bundle, and they live right in your area, so know first-hand what your insurance needs might be.  You can also visit their insurance website24/7 to learn more information.

 

Wildfire Insurance Portland, OR

Don’t get burned: Wildfire Insurance and a comprehensive Homeowner’s Insurance policy

The heat of the summer is celebrated with sunglasses, board shorts and boating, and while it can be quite warm, the summer season is just downright pleasant in Beaverton, Oregon. But the summer heat does come at a cost. Summer is also fire season and each year millions of acres across the country are burned. It is not just forests or brush plains that are destroyed, homes and businesses that get in the fire’s path are consumed as well. According to the National Interagency Fire Center, wildfires burned more than 9.3 million acres around the country in 2012. The 2013 fire season has started off with destructive blazes in California, Colorado, Alaska and Arizona.

While many natural disasters like floods or earthquakes require a special insurance policy, wildfire insurance is generally covered under the comprehensive portion of a homeowner’s insurance policy. The price of the policy may be higher if you live in an area that is prone to yearly fires. Wildfires are both friend and foe, as they are needed to clear out overgrowth and dead trees. A charred forest allows for new growth trees and helps reduce the risk of another fire occurring in the exact same area during the summer months.

Oregon Wildfire facts:

  • The spark: Most wildfires start from lightning strikes. The dry foliage and hot winds provide the perfect setting for a fire to ignite. Wildfires can also start from simple mistakes like forgetting to completely douse a campfire or a spark from the backfire of a motorcycle or RV. Even if it is an accident, a person who is found negligent in starting a wildfire may be liable to pay restitution, which can be millions of dollars. Having a personal umbrella policy may help you pay some of those restitution costs.
  • Fighting fire with fire: Through a multi-tiered effort of local and federal agencies, firefighters try to starve a wildfire by creating a perimeter. Firefighters burn the wildfire’s food source, dry vegetation, it hopes that the wildfire will become more manageable, easier to put out with air drops of water. There is a risk however, burning a perimeter may result in another uncontrolled fire if the conditions are just right. But the same principle that firefighters use to try and control the growth of a wildfire could help prevent significant fire damage to your home.
  • Prevention starts at home: Helping protect your home from wildfire damage and a costly wildfire insurance claim starts in your yard. If you live in an area that is prone to wildfires, you will want to create a perimeter around your home that is free of debris and flammable materials. Keeping things like sheds and wood piles at least 30 feet away from your home helps reduce the chances of a fire jumping from one structure to the next. Remove a wildfires fuel source by pruning trees and removing dead or dying plants. There are also several websites that can show you how to fire proof your yard like Readyforwildfire.org and U.S. Fire Administration.

Take the time to learn about wildfire danger in your area and to prep your home against the threat of wildfires. Talk to your licensed insurance agent in Beaverton, OR to ensure that wildfire insurance is included in your comprehensive homeowners insurance policy. Hukari Insurance in Beaverton, Oregon can guide you through your homeowner’s insurance policy and add additional coverages like flood insurance and earthquake insurance. Their years of insurance experience can save you a bundle, and they live right in your area, so know first-hand what your insurance needs might be.  You can also visit their insurance website24/7 to learn more information.

 

Basic home disaster preparedness kit in Beaverton, OR

Disaster preparedness kit in Beaverton, ORNo one wants to think that they may be stuck in their home during a natural disaster, but the reality is natural disasters happen in every state in our country. During a natural disaster, keeping your family safe and comfortable is a top priority and having a disaster preparedness kit in Beaverton, OR may help you.

A disaster preparedness kit for your home in Oregon should include these basics:

Food and Water:

  • Two week supply of bottled water
  • Two week supply of non-perishable food like crackers, protein bars, dried fruit, etc.
  • Infant food and formula
  • Pet food
  • Utensils and plates for each person

Shelter and Comfort:

  • Plastic sheeting
  • Duct tape
  • Sleeping bags for each person
  • Emergency blankets
  • Battery operated or hand crank radio
  • Emergency locator beacon
  • Multipurpose tool, such as a Leatherman
  • Flashlight (and extra batteries)
  • Hand warmers
  • Battery-operated cell phone charger
  • List of emergency numbers (including emergency contacts, insurance agent)
  • Copies of important documents such as insurance cards, IDs, home inventory lists, etc.
  • Books, toys or other entertainment items for children
  • Extra clothing/shoes for inclement weather

Safety and Hygiene:

  • A first aid kit (make sure this kit has antiseptic, bandages, small scissors, aspirin or ibuprofen, hot and cold compresses)
  • “Help” or “Assistance Needed” sign
  • Feminine hygiene products
  • Diapers
  • Hand sanitizer
  • Personal sanitizing wipes
  • Surgical masks and gloves
  • Air horn or whistle
  • Necessary medications

Of course you can add additional items to your disaster preparedness kit in Beaverton, OR depending on the needs of your family. Store your disaster kit in an easily accessible area, make sure you check your kit often and update it as things expire. For more information about a disaster preparedness kit, please visit Ready.gov.

We hope that you never need to use your disaster preparedness kit, but we hope that it will help get you and your family through the stress of a natural disaster. If a natural disaster does occur in our area, once your family is safe, call your insurance agent at Carr’s Insurance Agency in Beaverton, Oregon as soon as possible. They can help you get the claims process started. Whatever your insurance needs, the experts at Carr’s Insurance Agency can help. Their years of insurance experience can save you a bundle!  You can also visit their insurance website 24/7 to learn more about the other valuable insurance products they offer like earthquake or flood insurance.