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Rutt Insurance Agency Blog

View the latest blog posts from Rutt Insurance Agency.

SUNDAY, NOVEMBER 1, 2020

How to Stop a Grease Fire

a plate full of foodHow to Stop a Grease Fire

Thanksgiving is a time for families to join together for a time of fun, fellowship, and great food. But during this time of celebration, please remember these important safety tips! 

Anytime you cook with oil or greasy meat, there’s always the possibility of the grease igniting. Here’s how to prevent a grease fire from ruining more than just your dinner.


 

 Grease Fire Dos

  • Eliminate the heat source by turning off the stove or grill.
  • Cover the pan with a non-glass lid, or another pan. If it’s your grill, shut the lid.
  • If you can't cover it, cut off the fire’s oxygen supply by smothering it with baking soda or salt.
  • If necessary, put out the fire with a fire extinguisher. We can’t emphasize this enough – always keep a fire extinguisher in your kitchen or by your grill. Put it in clear sight and make it easy to access. Make sure beforehand that you have a proper class extinguisher for use on grease.
 

Grease Fire Don’ts

  • NEVER throw water on a grease fire. It will actually splash and spread the flames, making a fire harder to control.
  • NEVER use flour or sugar. Rather than helping smother the fire, these can actually cause a powder explosion and do even more damage.
  • Don’t pick up the pan. The risk of spilling grease is too high.
  • Avoid touching anything until it’s completely cool.
  • Don’t hesitate to call 911 if you can’t handle the situation.
  • Never attempt to deal with a fire without first protecting yourself, and if it gets out of control, get everyone out safely rather than continuing to fight it. Remember, the things in your house can be replaced.
Posted 4:00 AM


THURSDAY, OCTOBER 15, 2020

Tips for Safely Carving Pumpkins

Carve in a Clean, Dry, Well-lit Areacarved pumpkins

Wash and thoroughly dry all of the tools that you will use, including: carving tools, knife, cutting surface, and your hands. Any moisture on your tools, hands, or table can cause slipping that can lead to injuries.

Always Have Adult Supervision

"All too often, we see adolescent patients with injuries because adults feel the kids are responsible enough to be left on their own," says Wint. "Even though the carving may be going great, it only takes a second for an injury to occur."

Leave the Carving to Adults

Never let children do the carving. Wint suggests letting kids draw a pattern on the pumpkin and having them be responsible for cleaning out the inside pulp and seeds. When the adults do start cutting, they should always cut away from themselves and cut in small, controlled strokes.

Sharper is Not Better

"A sharper knife is not necessarily better, because it often becomes wedged in the thicker part of the pumpkin, requiring force to remove it," says Wint. "An injury can occur if your hand is in the wrong place when the knife finally dislodges from the thick skin of the pumpkin. Injuries are also sustained when the knife slips and comes out the other side of the pumpkin where your hand may be holding it steady."

Use a Pumpkin Carving Kit

Special kits are available in stores and include small, serrated pumpkin saws that work better because they are less likely to get stuck in the thick pumpkin tissue. "If they do get jammed and then wedged free, they are not sharp enough to cause a deep, penetrating cut," says Wint.

Help for An Injury

Should you cut your finger or hand, bleeding from minor cuts will often stop on its own by applying direct pressure to the wound with a clean cloth. If continuous pressure does not slow or stop the bleeding after 15 minutes, an emergency room visit may be required.

 

Originally published by American Society for Surgery of the Hand http://www.assh.org/handcare/

Posted 11:05 AM


THURSDAY, OCTOBER 1, 2020

7 Tasks to Prepare Your Home for Fall Weather

With cooler weather upon us, you may want to make sure your home is sealed up tight and ready for winter. It’s much easier to tackle these tasks now, rather than wait to do them in the rain or snow.

1. Check your home for leaks in your window seals or roof. If your home’s eaves have stains, that can indicate a leak. If you find any stains, call a roof contractor to make any repairs before winter.

2. During the next rainstorm, check your gutters and ensure the water drains away from the home. If your area experiences snow, any back-up of gutters may result in ice damming and lead to water damage. Before winter arrives, shut off all outside water faucets or garden hose connections, then drain hoses and store them in the garage.

a close up of a tree3. Clean overgrown vegetation and trim dead branches from trees that are close to your home. Also give your lawn one last cut before cleaning and storing your lawn mower.

4. Clean out your grill and firepit. Cover up or store any outdoor furniture, so it’s out of the elements and stays nice for next year.

5. If you have a HVAC service contract, have them stop by. Otherwise, replace filters and install covers on the AC condensing units on the outside of the home.

6. Call a professional to check your fireplace – especially if you plan to use it during the winter. Nothing is worse than smoking up your home when the weather is cold because your fireplace flue wasn’t cleaned. If you do use your fireplace, be sure to dispose of the ashes properly using a fireproof metal bucket.

7. Make sure everything you’ll need for winter is in good working order. If your area gets snow, test your snowblower and have it serviced. Ensure your outdoor activated night lights or security system components are all operating correctly.

 

- Originally posted by CHUBB https://www.chubb.com/us-en/individuals-families/resources/7-tasks-to-prepare-your-home-for-fall-weather.aspx?utm_source=prs_client&utm_medium=email&utm_campaign=pcc-october-fall-prepardness

 

Posted 7:18 PM


WEDNESDAY, SEPTEMBER 9, 2020

in Memoriam James W Rutt

a man wearing a suit and tie

James W Rutt, (Jim) of Elizabethtown PA entered into Heaven on Sept 9, 2020 at the age of 81 after almost a decade battle with dementia. His favorite verses were Romans 10:9-10 and he desires all his friends and family to put their faith and trust in Jesus Christ TODAY while there is still time.

 Jim is survived by his loving spouse of almost 56 years Cynthia F Rutt, children Jamie (Tiann) Rutt,  Melisa (Jay) Cull, and Maribeth (Dan) Davis, sisters Marian Kreider, Kathryn Lois Shinn, Helen (Colin) Koser, brother Jere (Ellen) Rutt, and nine grandchildren.

Jim proudly served in the Pennsylvania Army National Guard. He owned B. Titus Rutt Insurance Agency in Mount Joy.

Jim is thankful for the loving care he received at the Oak Leaf Manor North facility in Landisville PA. The patient help and care he received was such a blessing to him and his dear wife Cindy.  

 Due to his love for Christian education and missions, in lieu of flowers, memorial contributions may be made to, Mount Calvary Christian School of Elizabethtown, 629 Holly St, Elizabethtown, PA 17022 https://www.mcchristianschool.com/support-us/donate-2/ or Word of Life International, PO Box 600, Schroon Lake, NY 12870 https://give.wol.org/0B103C .

 A celebration of Jim's life will be held this Sunday evening at Lebanon Valley Bible Church, 1482 Horseshoe Pike, Lebanon, PA 17042 at 6pm sharp (Please arrive early). Due to the covid concerns the family will not be greeting attendees formally but would ask that you wear a face covering as you enter the church auditorium to sit with your close family and loved ones. If needed, there will also be video overflow. This time will be a joyful one, a time for some stories, laughs and sharing memories of Jim's life and testimonies of God's faithfulness and goodness. Interment will be private.

To view the service please follow this link: https://youtu.be/l-3TgF3Ju5c

Posted 12:00 AM


THURSDAY, MARCH 19, 2020

Updates from PA Dept. of Labor & Industry - COVID-19 and Employer Unemployment Compensation (UC)

COVID-19 and Employer Unemployment Compensation (UC)

Frequently Asked Questions (FAQs)

As of: March 17, 2020

PENNSYLVANIA EMPLOYERS

Governor Tom Wolf's updated guidance for Pennsylvania businesses (as of 3/17)Opens In A New Window

The Department of Community and Economic Development has a resource account for businesses to reach out to directly with questions and concerns about operations. Email ra-dcedcs@pa.gov with your name, business, contact information, and concern, and someone will be in contact to assist you.

Employees affected by a business closure, reduction in hours, or a medically or government directed quarantine or isolation should be encouraged to file for unemployment compensation (UC) benefits if no other compensation, such as paid leave, is available to them.

 Employees should be aware that they cannot receive both UC benefits and paid leave, as it may result in an "overpayment" that requires them to return benefits. 

FAQs

  1. Can my employees file for UC benefits if my business is closed (temporarily or otherwise) because of COVID-19?
  2. Can my employees file for UC benefits if I tell them to stay home because I think they are a risk of spreading or at risk of contracting COVID-19?
  3. Can my employees file a claim if they have COVID-19 and cannot come to work?
  4. Can my employees file for UC benefits if I reduce their hours because of COVID-19?
  5. Can my employees file for UC benefits if they are told to isolate or quarantine?
  6. Are there any programs to support employers experiencing financial difficulties or business downturn due to COVID-19? (Shared-Work?)
  7. If I am a small business owner, am I eligible for unemployment benefits if I need to close or temporarily shut down my business because of COVID-19?
  8. Will my UC tax rate increase if my employees file for benefits?


1.  Can my employees file for UC benefits if my business is closed (temporarily or otherwise) because of COVID-19?

Yes, if your employees are temporarily laid off due to a business downturn or closure as a result of COVID-19, they may be eligible for UC benefits.

If you are experiencing a business downturn, you can use L&I's Shared-Work program to avoid employee lay-offs. Additional resources for businesses are available through the PA Department of Community and Economic Development.

2.  Can my employees file for UC benefits if I tell them to stay home because I think they are a risk of spreading or at risk of contracting COVID-19?

Your employees should first use paid sick leave or paid time off; however, if they are not receiving paid time off, they may be eligible for UC benefits.

3.  Can my employees file a claim if they have COVID-19 and cannot come to work?

Your employees should first use paid sick leave or paid time off. However, if they are not receiving paid time off, they may be eligible for UC benefits.

4.  Can my employees file for UC benefits if I reduce their hours because of COVID-19?

Yes.

5.  Can my employees file for UC benefits if they are told to isolate or quarantine?

Your employees should first use paid sick leave or paid time off. However, if they are not receiving paid time off, they may be eligible for UC benefits.

6.  Are there any programs to support employers experiencing financial difficulties or business downturn due to COVID-19? (Shared-Work?)

The Shared-Work program can help keep employees attached to your workplace. Additional resources for businesses are available through the PA Department of Community and Economic Development.

7.  If I am a small business owner, am I eligible for unemployment benefits if I need to close or temporarily shut down my business because of COVID-19?

No.  However, you may qualify for a small business loan through the PA Department of Community and Economic Development, or for other programs available through the Small Business AdministrationOpens In A New Window.

8.  Will my UC tax rate increase if my employees file for benefits?

No, businesses who are temporarily closed due to COVID-19 will be granted Relief From Charges, and your tax rate will not be increased because of COVID-19-related claims.

 

Reposted from: https://www.uc.pa.gov/COVID-19/Pages/Employer-COVID19-FAQs.aspx

 

Posted 1:38 PM


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