Archive for Fall Safety

Before the Wind Blows, Secure Your Trees and Shrubs

pexels-photo-552769The seasons are changing, and the colors of autumn abound.

Regrettably, fall’s stunning display is often accompanied by some unwelcome weather hazards in Pennsylvania – namely, wind – that can cause considerable damage to the very trees that produce those beautiful fall leaves.

At Duncan Financial Group, we want your yard and home to stay great throughout the season. Take a look at the following tips to ensure you keep your trees and shrubs healthy and avoid destruction that can result when the wind blows.

To protect existing trees

  • Bundle ‘em up. Go to a home and garden store and buy enough landscape fabric and plant ties to cover trees and shrubs vulnerable to the changing weather. Wrap them up for the winter and then unwrap them after spring has sprung.
  • Exercise pruning prowess. Proper pruning is essential to ensure trees can withstand winds, so make sure you use correct pruning techniques or hire a professional.
  • Trees and more trees. If you have trees that are especially susceptible to wind, consider planting more trees. Experts say to choose trees, like conifers and evergreens, to create a windbreak. As an added bonus, a windbreak placed in correct proximity to a home can reduce energy costs by up to 30 percent. Keep in mind: conifers should be planted at least 20 feet away from a structure, evergreens at least 30 feet away.

When planting new trees

  • Know which way the wind blows. Pay attention to the wind patterns in your part of Pennsylvania through the fall and winter seasons and how they affect your particular lot. Plant trees in areas where structures, such as your home, garage or shed, can serve to shelter them from the wind.
  • Give them some space. Plant trees far enough away from structures and foundations. A smaller tree should have at least a 10-square-foot space to itself, and a larger tree needs at least 30 square feet.

At Duncan Financial Group, we hope these tips will ensure that you and your yard hang tough all season long… even when the wind starts howling.

Make Football Season Not Just Fun, But Also Safe

field-sport-ball-america

Finally, we’re welcoming fall, that eagerly anticipated season when we get to enjoy cooler temps, colorful leaves, the start of school and, of course, football season in Pennsylvania!

Football season in the Greater Pittsburgh Area brings with it a whole host of seasonal activities for football fans, from game-day tailgates and sports bar outings, to friendly bets and bowl parties. At Duncan Financial Group , we want your football season to be both exciting and safe, so as you cheer your team to victory, consider the following

  • Keep it clean: Tailgating is one of America’s favorite pastimes! If you’re tailgating, opt for non-breakable, recyclable containers. This will make cleanup easier and help avoid injuries resulting from broken glass.
  • Be smart: Whether you are tailgating, hosting a football-watching party at your house, sitting in the stands at Heinz Field or joining your buddies at the local bar, know your limit on alcohol intake and make sure you have a designated driver.
  • Know where you’re going: Pre-plan travel to and from the stadium to avoid getting lost and to make finding parking easier if you drive.
  • Fill those bellies: Whenever alcohol is consumed, make sure food is too!
  • Be weather wise: If you’re heading to the stadium, be sure to prepare for the weather. In colder temps, bring layers and blankets (especially if you’re bringing the little ones along). Also, avoid umbrellas if you find yourself in a lightning storm.
  • Keep it close: Whether you’re hitting the live game or the local tavern, be sure to keep your valuables, such as wallets, mobile phones and purses, safe. Also, keep it close to you (better yet, attached) at all times to avoid theft.

Wherever and however you’re watching the game this weekend, we hope you enjoy every last minute. Go team!

Game day insurance tips
Here are a few pointers for making sure your insurance provides an additional safety net on game day:

  • Make sure you have adequate auto coverage to cover any contents that may be stolen in the unfortunate event of a break-in at the stadium parking lot.
  • Ensure you have sufficient liability coverage on your homeowner’s policy, as well as medical payments coverage and possibly umbrella coverage. These exist to protect you in the event someone becomes injured while at your house.
  • Consider roadside assistance coverage. In the event your vehicle breaks down or you lock your keys in your car, it can save the day.