Thanksgiving dinner is the largest meal of the year for many families, the one that takes the most planning and time to prepare. As you work in the kitchen, remember Thanksgiving is also the nation’s leading day for kitchen fires and when burns and cooking injuries are more likely to occur. The good news is you can prevent most of these accidents and focus on enjoying the day by following a few simple steps below. We have also included safety precautions for deep frying a turkey.
Make sure your smoke detector is working. Test it in advance and do not disable it.
Use a cooking timer. This will help you keep track of when to check the turkey and when other food dishes are finished.
Stay home while cooking. Stay home and check the turkey frequently.
Cooking stovetop. Stay in the kitchen when you are cooking stovetop. If you must leave, turn the stove off.
Keep children away. Keep children at least three feet away from the stove at all times.
Hot food and liquids. Make sure children also stay away from hot food and liquids, which can cause burn injuries. This includes coffee, gravy and the steam and sauce on vegetables – especially when they first come out of the oven or off the stove.
Neat kitchen. Keep clutter to a minimum near the stove. Set aside oven mitts, towels and other utensils. Do not leave sharp knives or utensils out where young children can reach them. Ask guests to put their belongings in another area.
Keep matches, lighters and candles away. Lock matches and utility lighters in cabinets away from children. Also do not use candles if you have young children in the home.
Use a commercial cooking bag. Do not cook your turkey in a brown paper bag from the grocery store. They are unsanitary and may start a fire.
Tips if you are deep frying your turkey:
Read the instructions. Read the manufacturer’s instructions for the turkey fryer before each use.
Understand your propane gas burner. Ask your propane gas provider about safe practices to prevent fires and explosions.
Wear safety gear. Wear safety glasses, gloves which stretch to your elbows, a long-sleeved shirt and an apron.
Deep fry your turkey outside. Set up your fryer in an open area, away from your house, garage, decks and other structures.
Select a smaller turkey. Use a turkey that is 12 pounds or less in size.
Do not stuff the turkey. Stuffing the turkey could interfere with even cooking.
Do not use too much oil. Determine the right amount of oil in advance by placing the turkey in the fryer. Fill with water to the top. Remove the turkey and measure the amount of water remaining. Use the same amount of oil. Your fryer may also have a measurement line inside.
Fully thaw the turkey. Burn injuries can occur when any water on the turkey comes in contact with the oil, then boils over or splatters while being cooked. Fully thaw the turkey and dry it off with paper towels before deep frying.
Turn off the fryer before adding the turkey. Warm up the fryer before cooking, then turn it off just before putting the turkey inside. Start cooking again after it is firmly in place.
Thanksgiving Safety, National Fire Protection Association.
In the aftermath of Hurricane Sandy, many people are assessing damage to their homes, cars and property. Insurance losses across the country are already estimated at $7 billion to $15 billion, while total losses will easily exceed $50 billion. If you are affected, it is important to act promptly. If you made it through the storm with property intact, now is a good time to plan for future hurricanes.
The lawyers at Breakstone, White & Gluck offer these tips:
Contact your insurance company. If you suffered damage, immediately contact your insurance company. Call your agent, or call the company directly. Let them know what damage you suffered, and ask them to send claims forms. If the damage is extensive, you may find it useful to hire a public adjuster to catalog and estimate your damages.
File the claim. Obtain as much supporting information as you can, such as receipts and photographs if you have one. If you did an inventory of your home, that will be useful proof.
Cooperate with the adjusters. A field adjuster will visit your property to assess the damage to your home or your vehicles. Provide any additional information they need.
Understand your insurance policy.Nobody likes reading insurance policies (well, we know a few lawyers who enjoy that, but nobody else), but the policy will spell out the steps you must take during the claims process. Follow those steps to protect your rights in the event of a dispute of the money you are owed. Failure to cooperate or to follow claims procedures may lead to a denial of your claim.
Tree damage may be covered. Standard homeowners insurance policies cover damage if a tree falls on your home or a garage, shed or fence on your property. If it hits a neighbor’s property, then their policy or yours may cover it. If it just lands in your yard, it is likely that you will have to bear the entire cost of its removal.
Beware of Short Statute of Limitations. Contract claims in Massachusetts generally have a six-year statute of limitations. But it is likely that your insurance policy has provisions governing disputes that are much shorter, often just months after the insurance company makes its tender of settlement. If there is a dispute, get legal help quickly!
Make Sure You Are Protected for the Next Big Storm
Inventory your property. Filing a claim is easier if you know what you own and have documented it, including writing a list and taking pictures or a video. Keep a back-up copy of everything in a safe place away from the house. For help, the Insurance Information Institute has online software you can find at www.knowyourstuff.org.
Understand your policy. Have your agent or broker explain key provisions, exclusions, and other options. For liability insurance, consider adding an umbrella. For property damage, consider earthquake insurance.
Know your insurance policy’s hurricane deductible. Massachusetts is one of 18 states which allows homeowners insurance companies to set a specific deductible for hurricane damage.
Consider flood insurance. Flood-related losses are only covered if you have flood insurance. Standard homeowners and renter policies cover damage from wind and wind-driven rain that enters a home. But damage from water on the ground or seeping into a basement is not covered. This will be the main reason many victims of Hurricane Sandy will not have insurance coverage.
In fact, only about 20 percent of homeowners who should have flood insurance actually have the coverage, according to the Insurance Information Institute. Meanwhile the average residential flood results in $30,000 in damage, according to the National Flood Insurance Program. Consumers can learn more at www.floodsmart.gov.
Car Insurance. If you have a comprehensive auto insurance policy, flood damage to your car should be covered. But motorists carrying only liability coverage will not be covered.
Please explore some of our other articles on insurance basics. The policies you have protect you from claims, cover your property losses, and in many cases pay you for damages caused by others who may be underinsured. Usually it is worth the extra cost to have that peace of mind.
Understanding and Buying Massachusetts Car Accident Insurance