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... and CPR courses. Food: Have sufficient canned or dehydrated food and powdered milk for at least two weeks of meals. Water: It should be stored in airtight containers and replaced about every 12 months. A family of 4 should have about 6 gallons for 3 days. Also have purification tablets, but read the label on the bottle before using them. Pipe wrenches and crescent wrenches for turning off gas and water mains. HOW TO USE THE FLOOR PLANS Draw your house or apartment floor plan. Don't worry about how it ... exits, hallways, doorways, and possible alternate escape routes. Note these on your self-assessment list and sample floor plan. You want to avoid narrow exits, patios, atriums, or other enclosed areas where you may become trapped and escape notice by rescue personnel. Carefully note (and correct if possible) any obstructions that might impede your safe exit from areas in which you spend your time (home, school, work, recreation, etc.) . Carry a small flashlight and whistle with you to help signal your whereabouts ... need to remove it. 4. Double-sided foam tape. Available in many supermarkets, variety stores, and hardware stores in rolls and spots, ' double-sided tape has permanent adhesive. It adheres firmly; that is, when you try to remove it, the foam center splits and the adhesive surface remains. It cannot be peeled from soft surfaces, such as wallboard, without damage to the surface. It can be removed from slick hard surfaces, such as glass, with solvent or a razor blade. 5. Velcro. ...

...4 should have about 6 gallons for 3 days. Also have purification tablets, but ... Consider replacing large plate glass windows with safety glass. Install positive latches on...

... Be sure the agency has access to such rating information as Best's Key Rating Guide. If you want more frequent updates, Best's publishes interim reports, a "Rating Monitor" (in Best's Review magazine), weekly "Best's Insurance Management Reports," and Best Day Service on the Internet. You can order individual Best's reports from most of your carriers. Although other rating sources exist, Best is probably the most familiar and is almost universally acceptable. As soon as ratings are published each year, review them for all of ... the carrier. Moving back and forth between "claims made" and "occurrence" policies can also be a problem, especially with Surplus Lines carriers, because provisions might vary between the two. Also, because many Surplus Lines carriers don't use standard forms, a careful review of the contract is important. When the policy is on an audit basis it's important to inform the insured of a possible difference in the rating basis between the standard and the Surplus Lines carrier. Because the Surplus Lines carrier usually won't permit a "turnback ... client. A client's loss might be your first chance to shine in their eyes. Don't let this opportunity slip away by allowing an uncaring company employee do your job for you. The worst thing you can do is to turn the claim over to a company service center and lose your importance to the client. When a client calls to tell you of a loss, advise, direct, and sympathize — show them everything in its best light, and demonstrate a sense of control. Never advise the insured that you'll try to ...

... the electronic methods available today, there is on reason not to be able to ...you'll try to get the carrier to take care of an uninsured loss. Don't argue w...