With the summer weather approaching even before its rightful time, folks are beginning to miss a spring season that seemed stolen from them. After all, in the northeast alone, the mild and soothing climate that is identified most for the months between March and July did not really make a full showing, save for a few token days. With thunder, wind and full rainstorms making a frequent debut along with below average temperatures followed by a swift showing of above average heat, registering in the upper eighty’s and ninety’s, there really is general cause for the sentiment.

And the loss of the genuine feel of spring was not lost on those involved in the insurance companies or agencies. With nationwide claims related to home or business damages and auto collisions resulting from the varied conditions – anything from floods and tornadoes to hail and wind storms – attention certainly has been focused on the climate.

A concisely written article, therefore, concerning weather and the related effects on liability and safety would seem in order.

Seven Quick Points to Ponder about the Weather and Insurance Ramifications

1. Among all the countries across the globe, it is the United States that is hit the most by damaging tornadoes that wreak havoc on homes, vehicles and property, not to mention the role played in loss of life. With approximately 1,200 annual tornadoes whirling about throughout the related seasons of the year, this is a significant cause of insurance claims.

2. While Hurricane Katrina … Continue Reading ...

Winter time doesn’t mean giving up outdoor entertaining altogether. Home improvements can keep you and your guests warm and make outdoor living spaces more comfortable as the temperature dips. Following are ways to warm up your outdoor entertaining in cool weather:

Enclosed patio or sun room.

An enclosed patio or sun room will allow you and your guests to enjoy your landscaping while being safely shielded from inclement weather. An enclosed gazebo is an excellent lower-cost alternative. The best orientation for any of these additions is a southern exposure to allow you to soak up the winter sun.

Outdoor heater.

An outdoor heater can make your open patio or deck comfortable almost year round. Find a portable or permanent model that uses natural gas or propane. Follow the manufacturer’s safety instructions when installing and using your outdoor heater.

Outdoor fire pit.

An outdoor fire pit can add warmth and ambiance for cool weather outdoor entertaining. Wood or gas models come in a variety of sizes and styles, from classic chimney pots to open fire pits. Include a spark arrestor, if you are using a wood-burning model.

Heated hot tub.

Heated hot tubs provide a warm and inviting gathering place in frigid weather. A self-contained model makes it easy to enjoy the hot tub experience in your own back yard. These models offer easy installation and maintenance features like advanced filtration and ozone water purification. Hot tubs with a wireless digital readout let you check the water temperature before you leave … Continue Reading ...

During winter times the corner of your lips starts to get red, hurt, spit open, cracks. What happens with you? There is a cold sore corner of mouth. This is characterized by splitting, ulceration and soreness of the lips and can both edges of your lips. Eating is becoming difficulty and drinking also as well as laughing, taking, phoning, and every other activity where the lips have to be moved. You might even have a problem to go out as your lips may not look nice.

The cause is Angular cheilitis. During winter time there is cold weather. When there is cold weather this means low temperature and therefore the air is cold. In physics it is well known that cold air is dry air. And this leads to dry lips and cracking of the skin at the edges of the lips. Deficiencies in nutrition can contribute to the problem. If a person does not take enough vitamin in minerals, especially iron, the skin can more easily be affected. Therefore, taking a healthy diet will help.

First start to take iron-rich food and then add meals with lots of salad and fruits, at least five times a day. This will provide an excellent basis for the dry corners of the mouth to heal out quickly. Additionally they must be treated regularly and carefully. The best is to wait for summer time. During the warm season there are much less sore corners of the lips that may hurt you and chances … Continue Reading ...