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YEAR after YEAR
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Archived Articles:
GET WINTER-READY
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Archived Articles:
SHOP LOCAL
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National Hunger & Homeless Awareness Week: 11/14 - 11/22
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Follow us on Facebook this week for daily features on local food pantries where your donated food and / or time will make a difference.
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November Events & Holidays
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CALLING ALL
COMMERCIAL CLIENTS
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We'll feature your business here in our monthly E-Newsletter, on the home page of our website and within posts on our Facebook page for a full month! If you're one of our commercial clients, call 401-846-9629 or email us to schedule your appearance!
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EXTRA EXTRA!
Info for You
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to stay 'in the know' with timely updates on topical insurance info, helpful tips and discounts -- join the conversation!
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CONTACT US:
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D.F. Dwyer Insurance
38 Bellevue Avenue
Newport, RI 02840
and
2623 East Main Road
Portsmouth, RI 02871
phone: 401.846.9629
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Issue: # 68
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November 2015
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Get Ready For Winter!
Your Preparation Checklist
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Winter weather is just around the corner! Remembering last winter and based on long-range forecasts --we've been forewarned, now is the time get forearmed! To help you do so, here are three quick checklists to get your preparations underway today...
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List One: Prepare Your House
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- Clean out gutters, disconnect and drain all outside hoses and shut off outside water valves.
- Insulate walls and attics, caulk and weather-strip doors and windows.
- Repair roof leaks and remove tree branches that could become weighted down with ice or snow and fall on your house or your neighbor's house.
- Wrap water pipes in your basement or crawl spaces with insulation sleeves to slow heat transfer.
- Consider an insulated blanket for your hot water heater.
- Keep fireplace flue closed when not in use.
- Have a contractor check your roof to see if it would sustain the weight of a heavy snowfall.
- Make sure your furniture does not block heating vents.
- During cold spells, keep cabinet doors open allowing warm air to circulate around pipes, particularly in the kitchen and bath.
- Keep a slow trickle of water flowing through faucets connected to pipes that run through unheated or unprotected spaces.
- If your house will be unattended during cold periods, consider draining the water system.
- Avoid ice dams by keeping water from melted snow from refreezing in the gutters and seeping under the roof and soaking interior walls. Here's how:
- Ventilate your attic. The colder it is, the less melting and refreezing on the roof.
- Insulate the attic floor well to minimize the amount of heat rising through the attic from within the house.
- Consider having a water-repellent membrane installed under your roof covering.
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Farmer's Almanac Forecast: November 2015
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 Temperature 48° (1° above avg.); precipitation 3" (0.5" below avg.); Nov 1-2: Sunny, mild; Nov 3-8: Rainy periods, turning chilly; Nov 9-16: A few showers; mild north, cool south; Nov 17-21: Sunny, cold, then mild; Nov 22-26: Showers, then sunny, warm; Nov 27-30: Wet snow north, rain south, then sunny, cold..
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List Two: Winterize Your Car
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 Be ready for treacherous conditions and super-cold temperatures - and know what to do if you find yourself stranded in your vehicle. When the temperatures start to drop...
- Drive only if it is absolutely necessary. If you must drive, travel in the day; don't travel alone; keep others informed of your schedule; stay on main roads.
- Top off antifreeze, windshield wiper fluid, gas and oil.
- Make sure tires have enough tread. Consider snow tires.
- Keep bagged salt or sand in the trunk for extra traction.
- Clear snow from roof, headlights and windows.
- Program your auto club, insurance agent and towing service phone numbers into your cell phone.
- Keep a cold-weather kit in your trunk containing a blanket or sleeping bag, gloves, hard candy, bottled water, folding shovel, first aid kit, flashlight and car cell phone charger.
- If you find yourself trapped in your vehicle:
- Remain inside. Rescuers are more likely to find you.
- Run the engine and heater about 10 minutes every hour. Clear any snow from the exhaust pipe to reduce your chances of carbon monoxide poisoning.
- Move around to maintain heat.
- Use maps, floor mats and seat covers for insulation.
- Take turns sleeping. Someone should always be awake to alert rescuers.
- Drink fluids to avoid dehydration.
- Turn on the inside light at night so rescue crews can find you.
- If you're stranded in a remote area, stomp "SOS" or "HELP" in the snow.
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Are We There Yet?
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The Thanksgiving Holiday is known to be the busiest travel time of the year with notorious transportation delays, traffic and travel snags. With a bit of foresight and some planning, you may ease some travel headaches whether you're heading home for the holidays or escaping for a drama-free adventure. Regardless of your plans, you'll be thankful for these Holiday Travel Tips. And don't forget to pack a Travel Insurance policy. It provides the peace of mind you need to confidently plan and fully enjoy your trip! Visit our interactive Travel Insurance Guide at Seven Corners for complete information, options and quotes.
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List Three: Protect Yourself Too!
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- Stay indoors during the storm.
- Be careful on slippery surfaces.
- Avoid overexertion when shoveling snow. Overexertion can bring on a heart attack − a major cause of death in the winter. If you must shovel, stretch before going outside.
- Keep dry. Wet clothing loses all of its insulating value and transmits heat rapidly.
- Watch for signs of frostbite: loss of feeling and white or pale appearance in extremities.
- Watch for signs of hypothermia: uncontrollable shivering, memory loss, disorientation, incoherence, slurred speech, drowsiness and apparent exhaustion. Get the victim to a warm location, remove wet clothing, warm the center of the body first and give warm, non-alcoholic beverages if the victim is conscious. Get medical help as soon as possible.
Some Content: Nationwide Insurance © 2015
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Did You Know?
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D.F. Dwyer proudly insures many popular public and private events throughout the area including the Annual St. Patrick's Day Parade, Newport Winter Festival, Newport Craft Beer Festival and the Aquidneck Island National Police Parade? Call us at 401-846-9629, let us help you obtain the correct, cost-effective insurance coverage for your special event. We're here to help!
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Farm & Agribusiness Insurance
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If you are a grower of fruit, vegetables, herbs, flowers or trees, raise live stock or poultry, produce dairy or eggs, operate a wholesale nursery, farm stand or host agritainment activities... we want to help you protect your success. We insure all types of farms and farm activities. Call us at 401-846-9629, let's discuss how D.F. Dwyer Agency can be a valued partner to your farm-based business.
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Sky Watch: November 2015
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 The Taurids Minor meteor shower peaks on 11/5 and is forecast to produce about 5-10 meteors per hour. It is unusual in that it consists of two separate streams radiating from the constellation Taurus. On 11/11 the New Moon will be located on the same side of the Earth as the Sun and will not be visible in the night sky. The Leonids meteor shower will produce up to 15 meteors per hour radiating from the constellation Leo at its peak on 11/17-11/18. On 11/25, the Full Moon will be located on the opposite side of the Earth as the Sun and its face will be will be fully illuminated. |
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