2. Chapter 4-Home Safety The Key to Making a Safer Home.

3. Chapter 4-Home Safety2 So You Want to Have a Place of Your Own! There are many responsibilities attached to buying or renting your own house, apartment, or townhouse. Make sure that you are purchasing the right insurance for your needs and the needs of your location.

4. Chapter 4-Home Safety3 Important Insurance Terms Loss of Use The cost of living elsewhere while your rental unit is being repaired. Personal Liability Coverage that protects the homeowner whose actions result in injuring others. Medical Payments to others Payments for medical expenses resulting from a mishap on your property or because of your actions.

5. Chapter 4-Home Safety4 Important Insurance Terms Goodwill coverage Payment for damage to the property of others for which you are responsible. Structural protection endorsement Protection for rebuilding he existing structures of a home is damaged through natural disaster. Scheduled personal property endorsement Specific articles of value listed with a n insurance company to insure the articles for their cash value.

6. Chapter 4-Home Safety5 Important Insurance Terms Replacement Cost Value Endorsement Lost or damaged personal property is replaced on the basis of current replacement cost. Many endorsements can be added to a policy depending on the needs of the renter or homeowner.

7. Chapter 4-Home Safety6 Renter’s Insurance Renter’s Insurance policies are designed to protect personal items, such as furniture and clothing. The renter should make a video tape of all items in case there is a need to show items in the future.

8. Chapter 4-Home Safety7 Homeowners Insurance Insurance coverage for the home just like renters insurance EXCEPT the homeowner is responsible for the structure of the home.

9. Chapter 4-Home Safety8 Condominium Insurance Similar to renter’s insurance, except the insurance for the building is usually paid for monthly within the rent.

10. Chapter 4-Home Safety9 Falls: A Problem of Age Those over the age of 65 and under the age of 5 make up the two largest groups of people that fall each year. This is because of their deteriorating or developing motor skills.

11. Chapter 4-Home Safety10 Stairway Falls Stairways- More than 750,000 people need emergency attention from falls due to stairs. Stairs have many regulations that must be followed, including at least one hand rail and a tread width of 10 inches. Reduction of accidents, Things to avoid- Slippery wax finishes Carpeting Rugs near stairs Dark staircases Storing items on stairs

12. Chapter 4-Home Safety11 Floor and Walkway Falls Over 600,000 falls occur each year. Equivalent Adherence refers to the optimal level of slip resistance must strike a balance between slipperiness and gripping. The Bathroom is the most hazardous area in the home. Falls can be prevented if people educate themselves. Falling into or onto a glass door or window is a common injury. New materials are being produced to prevent serious injuries when this happens.

13. Chapter 4-Home Safety12 Ladders Falls from Ladders account for 90,000 injuries annually. The top three rungs of a ladder should never be used. Ladders should be used a a flat hard surface. Never stand on the bucket shelf. Ladders should be placed one fourth of the ladders working length form the wall which you are working on or against. Step ladders should always be fully extended when using.

14. Chapter 4-Home Safety13 Doing It Yourself Power tools make work at home very efficient. However, if not used properly they can pose a serious threat to the person operating the tools.

15. Chapter 4-Home Safety14 Chain and Power Saws Kickback is the most common hazard associated with chainsaws. The guide bar should never touch any surface. Goggles should always be worn when cutting, along with gloves, ear protection, heavy clothes and boots. Always cut away from your body.

16. Chapter 4-Home Safety15 Electrical Home Workshop Tools Drills, sanders, routers, lathes, grinders, planers and soldering guns are all electric tools. These tools should only be guided, they may cause kickback if too much pressure is applied. Shock is another hazard that can be easily avoided. Power tools should have a three-prong plug.

17. Chapter 4-Home Safety16 Power Mowers and Hedge Trimmers Mowers should have blade guards to protect feet and hands. There should be a dead man control-a bar that must be held in order to operate the blade-it should stop in 3 seconds. There should also be a grass discharge guard so that objects do not fly out at high speeds.

18. Chapter 4-Home Safety17 Kitchen Hazards Electric blender, mixers, garbage disposals, meat grinders, slicers, and food processors are many products that could cause harm in the kitchen. The most important precaution can be reading the manufacture’s manual. This can help to avoid serious and unnecessary injury.

19. Chapter 4-Home Safety18 Poisons in the Home Any substance that negatively affects body tissue and organ function can be considered a poison. Not all Poisons are harmful in every case. Medications are not the only poisons. Children under 5 account for 60% of all poison cases.

20. Chapter 4-Home Safety19 Child Proofing Your Home Keep all medications and hazardous substances locked up. Many poisonings occur when product is in use. Keep hazardous materials in their original containers. Avoid taking medications in a child’s presence.

21. Chapter 4-Home Safety20 Child Proofing Your Home The poison prevention packaging act requires over the counter and prescription drugs to be sold with safety caps on. Many things in the home can act as a poison: Bathroom cleaners, bleach, furniture polish, antifreeze, paint, turpentine, perfume, sleeping pills, cosmetics, room deodorizers, flavoring extracts, and many other products.

22. Chapter 4-Home Safety21 Poisoning Emergencies:Some Guidelines Non-Corrosive Poison Prescription and non- prescription drugs. Over 80% of ingestions are non- corrosive. Corrosive Poison Acid, alkali, petroleum products. Will cause burns, and inflammation of tissue immediately.

23. Chapter 4-Home Safety22 Treatment Decision Tree

24. Chapter 4-Home Safety23 Protective Packaging In 1982, the Food and Drug Administration announced requirements for tamper resistant packaging for all over the counter drug products.

25. Chapter 4-Home Safety24 Inhaled Poisons Carbon Monoxide makes up the largest percent of at-home inhaled poison cases this year. Never operate a mother vehicle in an enclosed garage. Have a yearly inspection of the furnace and ductwork. Never use charcoal in an enclosed area. Methane is another deadly poison. Chlorine, Sulfur Dioxide, Ammonia and chemical solvents.

26. Chapter 4-Home Safety25 Emergency Care Procedures In any gaseous poisoning, the biggest concern is to get the victim to fresh air. Medical technicians should be contacts even if the victim seems to respond and become alert. EMT’s can help to ventilate the victims lungs, and to reduce the chance of delayed reactions to poison.

27. Chapter 4-Home Safety26 Contact Poisons Contact Poisons can be readily absorbed through the skin. Ant and Roach Sprays, garden sprays, rat poison, bowl cleaners, drain cleaners and oven cleaners are all possible contact poisons.

28. Chapter 4-Home Safety27 First Aid for Contact Poisons Flush with large quantities on water for 20 minutes. Eyes should be rinses for 30 minutes. Non-corrosive poisons should be washed with soap as well.

29. Chapter 4-Home Safety28 Insect Injected Poisons Honey bees, wasps, hornets and yellow jackets are among the most common and dangerous culprits. A victim could suffer from anaphylactic shock if stung by one of these bugs. Anaphylactic shock is when the victims blood vessels dilate rapidly. People who are allergic should talk to their physician for details on prevention and treatment.

30. Chapter 4-Home Safety29 Airway Obstruction Older adults and young children are most susceptible for an airway obstruction death. Toys and balloons are the most common problem for children, and lack of teeth and reaction time for older adults. Most airway obstruction emergencies result when a piece of food becomes lodged in the throat.

31. Chapter 4-Home Safety30 Airway Obstruction Prevention is the key: DO NOT put foreign objects in your mouth or hold them in your teeth. Closely watch small children. Avoid laughing and talking while eating. Denture wearers, cut food in smaller pieces.

32. Chapter 4-Home Safety31 Summary Everyone needs insurance protection that is right for THEM. The elderly and young are most susceptible to falls and airway obstruction injuries. Ladders account for 90,000 injuries a year. Most poisonings occur in the home.

33. Chapter 4-Home Safety32 Field Trip To Lowe’s Safety Items related to: Kitchen Bathroom Basement Garage Yard Children

34. Chapter 4-Home Safety33 How Much or Little Can We Afford to Spend? $$$$$

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37. Chapter 4-Home Safety36 Applying What You Learned Make a list of your personal property. With this information determine what would need replacing and how much it would cost to do this. Look under your sink and see which substances are corrosive and which are non corrosive.