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...ition is relentless. Although this paints a bleak picture of the industry, bet...

... or sprayed with oil to prevent corrosion. Radios, televisions, and other electronic systems should also be dried out, but not oiled. 14. Bedding and upholstered furniture must be dried immediately if saturated with water. Vacuuming will remove some of the odor and grit left by smoke damage, but these items should be separated from other possessions since they may affect nearby items. 15. Antiques, paintings, art objects, silver, and brass must be given special care. Dry them with soft cloths, but do not apply oil or rub them. This treatment will mar or otherwise damage hard finishes or surfaces. What to Do About Flood Damage 1. Notify your independent insurance agent. He or she will assign the loss immediately to a qualified adjuster, who will call on you as ... , you'll help lend credibility to the insurance profession as a caring, proactive industry that is sensitive to the needs of its community. Of course, it is impossible to plan for every disaster, every contingency. In the event of a disaster, you will no doubt face challenges that weren't considered, encounter barriers you didn't know existed. This is inevitable, because none of us has a crystal ball. However, having a disaster plan ready for implementation can make the solution of the unplanned-for problems that much easier, because you'll have more time to devote to them. Remember, you have planned for many, if not most, of the difficulties you may face when disaster strikes. Such planning can drastically reduce the potential for injury to your employees, inconvenience and loss to your policyholders, ...

... location such as inside a cupboard or closet door, back porch, or garage. Inform family members, baby sitters, and neighbors where it can be found in case of an emergency. HOME PREPAREDNESS Place large and heavy objects on lower shelves. Securely fasten shelves to walls. Remove glass bottles from medicine cabinets and from above or around the bathtub and sink. Remove all flammable liquids such as painting and cleaning products to the garage or outside cupboard. Store in proper containers. Make sure your home or place of work has ample exits that will not be blocked with fallen debris. Fasten all top-heavy furniture such as refrigerators, tall bookcases, and glass cabinets, to the walls by means of hooks, angle brackets or braided wire. Install fasteners or latches on cupboard doors. Strong child-proof ... . Microcrystalline wax, available from hardware or hobby stores, can be used in tiny dabs to secure glass or high-fire ceramics to glass shelves. Do not use on ceramics with low-fire glazes or on porous surfaces; they will absorb the wax, causing damage and providing no security. 2. Natural waxes, such as beeswax. Natural waxes, available at hobby stores, can be used in small balls beneath almost any kind of decorative items to attach them to most kinds of shelving. For greatest adhesion, circle the entire bottom edge of the item with wax. 3. Silicone adhesives, available in tubes at hardware stores, can be used on non-porous surfaces such as glass, ceramic, or metal, from which it can be carefully peeled if you need to remove it. 4. ...

...ffect nearby items. 15. Antiques, paintings, art objects, silver, and brass m...ble, because none of us has a crystal ball. However, having a disaster plan re...

...move all flammable liquids such as painting and cleaning products to the garag...ids (oils, gasoline, kitchen greases, paints, solvents) Electrical equip...