Renters Insurance

You have a lot of things that are important to you – from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk. Let the Scott Lynch Agency help you find coverage options that protect you, your family, and your personal property. Call us at (317) 886-0081 and let us help to make sure you’re properly covered.

Greenwood, West Chester, Indianapolis, Cincinnati – What you need to know about renters insurance

Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home. For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.

Indiana and Ohio Protect yourself and your guests

Your renters insurance policy protects you and your family against certain bodily injury and property damage claims for which you are liable.  Legal defense is also provided in the event you are sued after a covered loss,  subject to the limits you have selected. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available. Let the Scott Lynch Agency help you find the right amount of coverage to suit your insurance needs in Indiana and Ohio. Call us today at (317) 886-0081.

Get the right amount of insurance coverage Indiana and Ohio at the best price

Whether you’re starting out, between homes or downsizing, the Scott Lynch Agency will help you pick the renters insurance coverage that best fits your needs. Give us a call today at (317) 886-0081 and get covered. Be sure to ask about available discounts including burglar alarm credits and the account credit for customers who package auto policies with their renters policy.

Extra coverage doesn’t have to cost a lot

Whether you’re starting out, between homes or downsizing, we will help you pick the renters insurance coverage that best fits your needs. If you have special valuable items such as jewelry, art, antiques or collectibles, ask about our Valuable Articles option which provides broader coverage and no deductible in the event of a covered loss.

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KEEP WATER IN ITS PLACE

https://mailchi.mp/lynchagency.com/keep-water-in-its-place

Water is a necessity in our daily lives, but it can wreak havoc in your home if it runs loose. This costly and burdensome damage is more common than you may think.

  • One in 50 – The share of insured homes that file a property damage claim caused by water damage or freezing each year1
  • #2 – Water damage is the second most frequently filed homeowners claim1
  • $9,633 – Average cost of a claim due to water damage or freezing1
  • 3.5 – Average number of days it takes a mitigation unit to dry out a home2
1www.iii.org          2Safeco data        Sources: www.safeco.com, www.iii.org
How Flood Insurance Can Protect You From Financial Hardship (VIDEO)

Many people ask me if they really need Flood Insurance coverage, or if their home is already protected from flood damage by their Homeowner’s Policy.

This video should help you understand everything you need to know about Flood Insurance and help you decide if it’s right for your home.

NOTE: There’s a 30-day waiting period from date of purchase before your policy goes into effect. (In most ALL cases)

Click here to watch video 

 

Tips to protect your home from water damage

  • KNOW where your main water valve is located so you can shut it off quickly in case of an emergency.
  • REPLACE the hoses on your washing machine, dishwater and other appliances periodically. Consider replacing a rubber hose with a steel-braided one to increase durability and longevity.
  • CLEAN your gutters and downspouts regularly to ensure water moves through them properly and drains away from your foundation.
  • MONITOR your water bill. A bigger water bill may indicate you have a leak somewhere.
  • TEST your sump pump at least once per year to make sure it’s working when you need it most! If your pump doesn’t have an alternate power source, add a battery backup or upgrade to a pump with a water-powered backup.
  • INSPECT your water heater annually for signs of corrosion or leaks. Aging water heaters can weaken over time, increasing their likelihood of rupturing.

Suggestions for water mitigation device options.

Select this LINK for a white paper on suggested water mitigation device options. If you are considering the FLO BY MOEN option, we have a special savings set up for you. Visit HERE and use Promo Code: Safeco11266228.

Happy to help.

If you have futher questions, please call us at (317) 886-0081. We’d love to earn your referrals and/or your business.

 

 

Looking to save money on your insurance? 

Photo by Alexander Mils from Pexels

Looking to save money on your insurance?
​Get a quote here: https://buff.ly/2x15cuo 

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The Biggest Threats to a Healthy Home

Image by Free-Photos from Pixabay

By: Laura Fisher Kaiser

Originally Appeared Here:  HGTV

A healthy home comes under attack from several dangerous sources. Learn more about these threats to a healthy home and get healthy living tips.

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Water Intrusion

Be on the lookout for signs of a water leak or condensation: water stains that get bigger over time, musty odors, continually damp carpet, or beads of water or puddles on hard surfaces. When you do have water damage, thoroughly clean and dry carpets and building materials within 24 hours if possible, and consider replacing waterlogged items to eliminate the risk of mold.

If you suspect a problem (or better yet, as preventive maintenance), hire professionals to inspect for damaged shingles and siding, poorly connected plumbing and leaky pipes, and other moisture problems, such as inadequate vapor barriers. Mitigate the issues as soon as possible.

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Biological Contaminants

The EPA considers bacteria, molds, mildew, viruses, animal dander, cat saliva, house dust, mites, cockroaches and pollen all biological contaminants. Excessive moisture creates breeding grounds for these contaminants, so ventilate adequately and keep relative humidity between 30 percent and 50 percent to prevent condensation on building materials.

Regular household cleaning and maintenance go a long way toward limiting exposure. Change filters and have heating and cooling equipment cleaned and checked regularly by a professional; these systems can become not only breeding grounds for mold and other biological contaminants but also superhighways for dispersing them throughout the home.

If these methods don’t suffice, an indoor air-cleaning device may help an affected area. However, avoid ozone generators that are sold as air cleaners. The EPA warns: “Whether in its pure form or mixed with other chemicals, ozone can be harmful to health.”

Basements can be a particular trouble zone. The EPA recommends you clean and disinfect basement drains regularly and that you not finish a basement unless all moisture issues are abated.

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Mold

No one knows exactly how many homes have mold behind the walls, but the best current estimate is about 70 percent, according to Ronald E. Gots, M.D., Ph.D., of the International Center for Toxicology and Medicine. The EPA and World Health Organization state that some molds have the potential to cause health problems, particularly allergic reactions and asthma, in people who are susceptible.

To get rid of mold, scrub surfaces with detergent, preferably a water-based, VOC-free product like Microbloc dsinfx as opposed to bleach. Replace porous materials such as ceiling tile and carpet with non-porous or mold-resistant ones. If the mold damage covers more than 10 square feet, the EPA recommends hiring a professional.

Most important: Fix the underlying issue. “Mold is not the problem. It’s an indicator of a moisture problem,” says Kurt Salomon, president of the American Society of Home Inspectors. “You can get rid of the mold but if you don’t address the leaky pipes, high humidity and water intrusion, the mold will come back.”

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Dust and Respirable Particles

To cut down on household dust, declutter, reduce paper, eliminate smoking and regularly change or clean the furnace and air conditioner filters. Also, park your shoes at the door — two-thirds of all dust contaminants are tracked into the home from the outside.

To minimize the amount of dust kicked up during cleaning — especially if you are concerned about lead dust — wipe down floors with a damp mop, dust with a damp cloth and clean surfaces with a vacuum cleaner with a HEPA filter.

You probably don’t need to have your air ducts cleaned unless there is mold growing inside, they are infested with vermin or they are excessively clogged with debris. Duct cleaning costs between $400 and $1,000. The National Air Duct Cleaners Association cautions consumers against air duct cleaning companies that make sweeping claims about health benefits of their services and/or are not upfront about fees.

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Toxic Chemical Compounds

Even when present in very low, hard-to-measure concentrations, semi-volatile organic compounds (SVOCs) pose serious health risks — organ and nervous system damage and cancer included.

SVOCs are hard to avoid, as they are ubiquitous in our homes. Phthalate esters are colorless, odorless and used to make plastics soft and flexible, such as polyvinyl chloride (PVC). Polybrominated diphenyl ethers (PBDEs) have been widely used as flame retardants in furniture cushions, textiles, plastics, paints and electronic appliances. Naphthalene is the key ingredient in mothballs. Other man-made chemicals such as the dry-cleaning solvent known as PERC (perchloroethylene) and the blue, sweet-smelling liquid called TCE (trichloroethylene) that is found in spot removers and carpet-cleaning fluids are toxic to the brain and nervous system, and they are likely carcinogens.

You can minimize exposure in the home by using green cleaning methods. To protect woolens from pests, wash items and let them dry in the sun (which also helps get rid of mothball odor) before storing them with cedar chip sachets. Read labels before purchasing and avoid buying items that contain phthalates and PBDEs.

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VOCs

Thousands of household products — paints, paint-strippers, adhesives, MDF, carpet, glues, cleaners, fuels, degreasers and more — off-gas volatile organic compounds. These chemicals cause a number of health effects including eye, nose and throat irritation; headache; nausea; liver, kidney and central nervous system damage; and cancer.

According to the EPA, studies have found that VOC levels are two to five times higher indoors than outdoors. During and for several hours immediately after certain activities, such as paint-stripping, levels may be 1,000 times background outdoor levels.

There are many steps to reduce exposure. For example, replace vinyl wallcoverings with Cradle-to-Cradle-certified ones made with new polymers and water-based inks and coatings. If dry-cleaned goods have a strong chemical odor, which indicates a high concentration of the solvent PERC (perchloroethylene), do not accept them until they have been properly dried. Use non- or low-VOC paints, glues, epoxies, adhesives and building products. Even when using low-VOC products, ventilate the space with plenty of fresh air. Dispose of even small amounts you won’t use right away in an environmentally responsible way.

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Formaldehyde

Exposure to low concentrations of formaldehyde may cause eye, nose or throat irritation, rashes, breathing problems, nausea, asthma attacks and allergic reactions. And formaldehyde causes cancer in animals and humans.

The American Lung Association recommends you use furniture and pressed-wood board made with laminated surfaces because they release less formaldehyde. Allow plywood and other formaldehyde-containing materials to air out before you use them indoors. If possible, use non-toxic alternatives to formaldehyde-containing products like glue and adhesives. Ventilation is key, so open windows and use exhaust fans to bring in a fresh supply of air. Also, wash permanent-press clothing before wearing. Formaldehyde is used in the production of special fabrics.

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Carbon Monoxide and Other Combustion By-Products

You can’t see, taste or smell carbon monoxide (CO), a toxic gas produced by incomplete combustion of fuel-burning devices, and people often dismiss the symptoms of CO poisoning (headache, nausea, dizziness and confusion), which can be fatal. This “silent killer” accounts for an estimated 15,000 emergency room visits and 500 deaths a year.

“Carbon monoxide is an underappreciated risk, particularly during heating season when people don’t open windows as much to let in fresh air,” says Meri-K Appy of Safe Kids USA. “But there’s no other way to know you’ve got a problem unless you have a CO detector to let you know levels have reached a dangerous level.” If the detector sounds, evacuate your home immediately and call 911. And be sure to replace the battery when you change the time on your clocks each spring and fall.

According to the Chimney Safety Institute of America, the chimneys and connector pipes that serve oil and gas furnaces are subject to weathering, animal invasions, deterioration/rust-out and the accumulation of nest materials and debris. As a safeguard, have fuel-burning furnaces, stoves and fireplaces — as well as their connections and exhaust vents — inspected and serviced before each heating season. And never idle your car in the garage.

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Lead

Lead poisoning is the leading environmentally induced illness in children, according to OSHA. If you live in a home built before 1978, chances are it contains lead paint.

To protect you and your family, make sure there is no peeling or chipped paint. You can encapsulate lead paint by painting over it. If you must scrape or sand lead paint, wear a HEPA respirator, enclose the workspace with plastic, keep debris contained and “work wet” to minimize dust. Clean up with a HEPA filter vacuum and damp mop, and be careful not to track lead dust through the house.

Because it can be “tough for DIYers to follow all best practices,” Rebecca Morley, president of the National Center for Healthy Housing, recommends hiring a contractor certified in lead abatement. A new EPA regulation requires anyone working in homes built before 1978 to take an eight-hour lead safety certification course or risk a $32,000 fine. More than 500,000 contractors have been certified since April 2010, but it’s up to the homeowner to ask for proof of certification.

To find a lead sampling technician to do a dust test, including the soil around your house (a common source of lead), call the EPA’s lead hot line at 800-424-LEAD.

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Radon

Radon is a naturally occurring radioactive gas, which cannot be seen, smelled or tasted but is found in the dirt and rocks beneath houses, in well water and in some building materials. When you breathe radon, the sensitive cells in your airway get irritated, increasing the risk of lung cancer. Radon causes an estimated 20,000 lung cancer deaths each year, but it can take up to 20 years of exposure before one falls ill.

The U.S. Surgeon General and EPA recommend that all homes be tested for radon; even if the house next door to you tests low, your particular house could be at risk. Short-term tests take two days (often for real estate transactions), while long-term tests take about 90 days but give more accurate results.

If your house tests above EPA standards, a remediation professional can retrofit an exhaust vent from a suction pit underneath the foundation slab to the outside of the house. Costs range from $800 to $2,500. For more information, contact the EPA’s radon hot line at 800-55RADON (557-2366).

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Asbestos

Before 1985, asbestos was used in more than 3,000 construction products, from flooring and insulation to soundproofing for strength and flame-resistance. The government outlawed asbestos after it was discovered that the mineral fiber causes lung cancer and mesothelioma.

If you live in a home that contains mid-century vinyl floor tile, ceiling tiles or insulation, have a professional asbestos inspector test your home before you do any remodeling. Unless there is a need to remove or disturb the material, which would release asbestos fibers into the air, leave it alone.

In many cases, says the Resilient Floor Covering Institute, new flooring can be successfully installed over the existing. For material containing 1 percent asbestos that is friable — so damaged that it crumbles in your hand — it’s best to hire government-certified asbestos contractors to remove or encapsulate it.

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Fire

The National Fire Protection Association reports that of the 2,565 civilian deaths from home fires in 2009, almost two-thirds (63 percent) involved homes with non-working or non-existent smoke alarms. New code requires smoke alarms in every room, bedrooms being of most importance.

“If you have a fire, you need to know about it,” says Meri-K Appy, president of Safe Kids USA, who recommends having hard-wired, interconnected smoke alarms, “so that if fire breaks out in the basement and you’re two floors up sleeping, at the first moment the basement alarm goes off, all will go off.” Such alarms buy you precious time; it can take fewer than three minutes from the time a fire starts to the time of “flashover” – complete ignition of all gasses and combustible elements in a room.

She also notes that smoke alarms should be replaced every 10 years. That’s a good time to upgrade to either a hard-wired or wireless interconnected system. New technologies include ionization systems that react to fast-burning fires, photo-electric alarms that react quickly to smoldering fires, integrated carbon monoxide detectors and fire sprinklers, remote controls and smart-phone apps.

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Fire

The National Fire Protection Association reports that of the 2,565 civilian deaths from home fires in 2009, almost two-thirds (63 percent) involved homes with non-working or non-existent smoke alarms. New code requires smoke alarms in every room, bedrooms being of most importance.

“If you have a fire, you need to know about it,” says Meri-K Appy, president of Safe Kids USA, who recommends having hard-wired, interconnected smoke alarms, “so that if fire breaks out in the basement and you’re two floors up sleeping, at the first moment the basement alarm goes off, all will go off.” Such alarms buy you precious time; it can take fewer than three minutes from the time a fire starts to the time of “flashover” – complete ignition of all gasses and combustible elements in a room.

She also notes that smoke alarms should be replaced every 10 years. That’s a good time to upgrade to either a hard-wired or wireless interconnected system. New technologies include ionization systems that react to fast-burning fires, photo-electric alarms that react quickly to smoldering fires, integrated carbon monoxide detectors and fire sprinklers, remote controls and smart-phone apps.

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Shorts and Shocks

According to the Consumer Product Safety Commission, GFCIs have contributed “significantly” to the reduction of electrocution and severe electric shock incidents since their introduction in the early 1970s. The National Electrical Code requires GFCIs, an inexpensive device, for receptacles with proximity to water: outdoors, bathrooms, garages, kitchens, crawlspaces and unfinished basements, laundry/utility rooms, and pools and spas.

You should also take commonsense precautions when it comes to electricity. All electrical outlets and switches should be covered by faceplates. Use the right light bulbs in all lamps and lights. Check the wattage requirements by looking inside the fixture.

Only use household appliances in good working condition. All electrical appliances, cords and tools should be listed by a nationally recognized, independent testing laboratory, such as UL or ETL. Periodically check the Consumer Product Safety Commission’s list of product recalls to see if any of your appliances have been recalled for fire hazard or other issues.

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Slip-and-Trip Zones

Even a little clutter underfoot can be hazardous to your health, especially on stairs and in dark hallways. To prevent trips and falls, keep those areas clear and get rid of slippery scatter rugs.

“Lighting is also a big factor in falls,” says Meri-K Appy, president of Safe Kids USA, who recommends having lights at the top and the bottom of stairs. Also, don’t delay repairing loose treads and rails.

In the bathroom, grab bars in the bath or shower are a good idea for any age. Make sure throw rugs have rubberized mats or bottoms — in the bathroom and throughout the house.

The same rules apply outside. In the yard, shore up loose pavers and crumbling pavement, and make sure pathways and entrances are well lit.

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Photo By: Eric Isselee

Pests and Pesticides

As if vermin were not repellent enough, here’s a fun fact: When urine from rats and mice dries, proteins can become airborne and become potent allergens.

The Surgeon General and EPA advocate Integrated Pest Management (IPM), which uses commonsense strategies to reduce sources of food, water and shelter for pests and, when necessary, the judicious careful use of pesticides.

The US Green Building Council recommends a number of nontoxic strategies for keeping pests out of your home without endangering your health or the environment. These include planting landscaping at least 24 inches from the home, treating lumber and cellulose material with borates and sealing all cracks, joints and other entry points with fiber cement board or galvanized insect screen.

Avoid using mothballs, which contain carcinogens naphthalene and paradichlorobenzene. If you do use pesticides, mix or dilute the ingredients outdoors, and ventilate affected indoor areas well.

To discuss these risks and your home insurance policy, please call us at (317) 886-0081 or visit us on line at: Scott Lynch Agency

Prepare for Extreme Weather – Don’t Wait Until It’s Too Late

First of all, our hearts and prayers go out to all those families and businesses that were damaged over the last couple of days due to weather.

After the storm hits is not the time to discover you don’t have the proper coverage. Renters, are you aware that if your apartment/home/mobile home or condo is destroyed by weather that your landlord is not responsible for your possesions and may not even have to help you with a place to stay. This is why it is important to have a Renter’s Insurance Policy. Do you have enough coverage as a homeowner to cover your home and possesions during a loss? Do you have enough roof coverage? After the storm happens is too late to correct these things. Call your agent or us at (317) 886-0081 for a home/renters insurance review.

“Far too often residents of Indiana are not aware if they have adequate coverage from their insurance policies, especially when it comes to damage as a result of storms that produce heavy rains and cause flooding. The Department urges Hoosiers to review their insurance policies, including rental insurance to make sure they understand their coverage before a disaster hits,” said Indiana Department of Insurance Commissioner Stephen W. Robertson.

The Indiana Department of Insurance offers tips on disaster preparedness, including what to do before and after a storm hits, and how to protect yourself from fraud, on a 5/28/2019 Consumer Alert.

Understanding Extreme Weather Hazards

Check the weather online or a broadcast outlet every morning to better understand what the day may bring. Unpredictable weather means storms can come on quickly, taking you by surprise. Consider the following:

  • Tornadoes can hit anywhere, anytime. Of the 50 states, 49 have experienced a tornado since 2005. Make sure to identify a shelter and practice an annual family tornado drill.
  • Lightning is common, even if getting struck is rare. Stay inside during a lightning storm and take precautions such as unplugging your appliances and avoid talking on a phone.
  • Flash floods are the cause of the most deaths associated with severe weather. Just one inch of water can cause $20,000 in damage to your home. If you live in a 100-year floodplain, there’s more than a 25 percent chance that you’ll be flooded during a 30-year mortgage. In that period, you are 27 times more likely to experience a flood than have a fire. It takes just 12 inches of rushing water to carry away a car. Don’t ever drive or walk into flood waters and never underestimate the power of flowing water.

Create a Home Inventory

To make the claims process easier, create a home inventory of your belongings. Include identifying information about your possessions (brand name, price, purchase date, model, serial number and receipts) and take photos. The National Association of Insurance Commissioners (NAIC) has created a free smartphone app that will help you create a database of your possessions. The app is available for iPhone and Android. A simple-to-use printable home inventory checklist is also available.

If you don’t have time to create a full list of the items in your home, consider videotaping and/or taking photographs in every room. The more detail you include, the easier it will be for your insurer to evaluate your loss. When making your list, open drawers and closets, and don’t forget to document what’s in your basement, garage and storage buildings.

Once you’ve created your inventory, send the information to your insurance agent and/or keep it on your app.

Collect Your Insurance Information

Before a storm hits, review your insurance policies. Make sure you know what is and is not covered. If you have questions, contact your insurance agent or insurer.

Store electronic copies of your insurance policies with your home inventory and keep paper files in a safety deposit box. Make sure to have a copy of your policy declarations page listing all of your coverages, as well as your insurance cards.

Collect the 24-hour contact information for your insurance agent and insurer and enter it as a contact on your smartphone. Make a list that includes your policy numbers, insurer and insurance agent’s phone numbers, website addresses and mailing addresses. Also, check to see if the company or agent has an emergency information hotline. It is a good idea to store this information — and your home inventory — in a waterproof, fireproof box or safe. If you evacuate your home, take this information with you.

Note: Flood damage is generally not covered by a standard homeowners or renter’s insurance policy. If you have a separate flood insurance policy, remember to include a copy of the policy and the contact details for the insurer on your list. Flood is a covered event in most auto insurance policies. If you need flood insurance, you’ll want to purchase it now because typically there is a 30-day waiting period from the date of purchase before the policy goes into effect. For more information about flood insurance, check out this consumer alert issued by the Indiana Department of Insurance.

Prepare for the Worst

To help lessen the damage caused by a storm, take stock of your home. Clear your yard of debris that could become projectiles in high winds and trim dead or overhanging branches from trees surrounding your home. Ensure the roof sheathing is properly secured. Fasten end gables to the roof. Latch doors and garage doors properly. Secure shutters and outdoor furniture.

For personal safety, identify the nearest storm shelter and have an emergency or evacuation plan for your family. Practice your evacuation plan, making sure everyone knows where emergency supplies are stored. Have a storm survival kit that includes bottled water, a first-aid kit, flashlights, a battery-operated radio, at least three days of nonperishable food items, blankets, clothing, prescription drugs, eyeglasses and personal hygiene supplies.

If you must evacuate your home, turn off all utilities and disconnect appliances, reducing the chance of additional damage and electrical shock when utilities are restored.

For more information about how to prepare your family and home for weather threats, visit the American Red Cross.

After the Storm

The days following a natural disaster can be confusing and stressful, but report your insurance claim(s) as quickly as possible to help protect your financial future.

Contact your insurer and/or agent with your policy number and other relevant information. Be aware that your policy might require that you make this notification within a certain time frame.

Document damage by taking photographs/video before you begin any clean-up. After you’ve documented the damage, make repairs necessary to prevent further harm to your property (cover broken windows, leaking roofs and damaged walls). Don’t make permanent repairs until your insurer has inspected the property and you have reached an agreement on the cost. Be prepared to provide the claims adjuster with records of any improvements you made prior to the damage. Save all receipts, including those from temporary fixes.

If your home is damaged to the extent that you cannot live there, ask your insurer or insurance agent if you have coverage for additional living expenses.

Work with your insurer to learn what documents, forms and data you need for your claim. Keep a diary of all conversations you have with the insurer and your insurance agent, including names, times and dates of the calls or visits, and contact details. Provide your insurer with all of the requested information, as incorrect or incomplete information may delay your claim.

Now THAT’S meal prepping! Mom-of-two chops up all her vegetables for the entire YEAR

Sophie Haslett For Daily Mail Australia

 21:36 EDT, 9 April 2019

Original Article

Now THAT’S meal prepping! Mum-of-two chops up all her vegetables for the entire YEAR – including 20kg of potatoes, 15kg of carrots and 10kg of onion

  • A mum of two and ex chef showed off her impressive frozen food prep
  • The working mum jokingly said she expects it to last the family ‘the next year’
  • She included 15kg of carrot, 20kg of potatoes, 15kg of sweet potatoes and more
  • The woman said she spent $80 on wholesale veg in order to prep the food

A budget-savvy mother-of-two has showed off her impressive freezer filled with frozen vegetables, which she intends to feed her family with for the next year.

The mum and ex-chef shared a snap of her giant freezer and her chopped vegetables in zip-lock bags, writing ‘Veg prep for what feels like the next year lol’.

Included in the selection was 15 kilograms of carrot, 20 kilograms of potatoes, 15 kilograms of sweet potatoes and more.’

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She wrote in a Facebook post: ’15kg of carrot: sliced, roast chunks and chopped.

’20kg of Sebago potatoes: roast chunks, sliced for potato baked and diced for mash.

’15kg of sweet potato: roast chunks, sliced for potato bake and diced for mash.

’10kg of onion: sliced, chopped and chunks for roast, onion rings.

‘2kg of zucchini: julienne and roast chunks.’

Her freezer also included one kilo of capsicum, sliced, two pumpkins in chunks and 10 kilograms of tomatoes, which she had diced.

The woman said she bought the vegetables wholesale for a total of $80.

The freezer post was a hit with others online, who wrote comments like: ‘Now that’s being organised’ and ‘Wow’.

Some questioned how the woman managed to find the time to carry out such a meal prepping feat, and she said ‘it helps that I used to be a chef’.

The mum said the reason why she did it is because she currently has ‘six adults and two kids’ living under one roof.

‘I do it so I don’t have to waste time every night chopping up veg for dinner, as we all work and I have uni and the two kids have after school sports,’ she said.

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Others asked whether the mum had ‘pre-cooked’ any of the vegetables before putting them in the bags in the freezer.

‘None of this is pre-cooked and the roast vegetables turn out great,’ the woman replied.

‘Just need to thaw out properly so I take it all out the night before. Diced up carrot and onion and that type of stuff is for slow cooker and spaghetti etc.’

She also said that onion doesn’t smell out a freezer, provided it is kept tightly locked in a zip-lock bag.

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Some in the Facebook group have been inspired by the mum to take on extreme meal prepping.

‘Thank you for sharing,’ one person wrote.

‘I was thinking I need to meal prep on a weekend because I work a 10-hour day and travel 45 minutes to and from work.

‘I am exhausted when I get home for hubby and two adult kids. This is a great way to be organised to eat healthier, love my veggies!

‘Just add meat for the main, will save you dollar on takeout and unhealthy alternative choices.’

 

April is Tornado Awareness Month

April is Tornado Awareness Month. Do you know where to seek shelter during a tornado? Learn what to do before, during & after one hits.

Image by Jonny Lindner from Pixabay
Image by Jonny Lindner from Pixabay

Tornadoes

Tornadoes can destroy your home, your business, buildings, flip cars, and create deadly flying debris. Tornadoes are violently rotating columns of air that extend from a thunderstorm to the ground. Tornadoes can:

  • Happen anytime and anywhere;
  • Bring intense winds, over 200 MPH; and
  • Look like funnels.

 IF YOU ARE UNDER A TORNADO WARNING, FIND SAFE SHELTER RIGHT AWAY

  • If you can safely get to a sturdy building, then do so immediately.
  • Go to a safe room, basement, or storm cellar.
  • If you are in a building with no basement, then get to a small interior room on the lowest level.
  • Stay away from windows, doors, and outside walls.
  • Do not get under an overpass or bridge. You’re safer in a low, flat location.
  • Watch out for flying debris that can cause injury or death.
  • Use your arms to protect your head and neck.

HOW TO STAY SAFE WHEN A TORNADO THREATENS

Prepare NOW

  • Know your area’s tornado risk. In the U.S., the Midwest and the Southeast have a greater risk for tornadoes.
  • Know the signs of a tornado, including a rotating, funnel-shaped cloud; an approaching cloud of debris; or a loud roar—similar to a freight train.
  • Sign up for your community’s warning system. The Emergency Alert System (EAS) and National Oceanic and Atmospheric Administration (NOAA) Weather Radio also provide emergency alerts. If your community has sirens, then become familiar with the warning tone.
  • Pay attention to weather reports. Meteorologists can predict when conditions might be right for a tornado.
  • Identify and practice going to a safe shelter in the event of high winds, such as a safe room built using FEMA criteria or a storm shelter built to ICC 500 standards. The next best protection is a small, interior, windowless room on the lowest level of a sturdy building.
  • Consider constructing your own safe room that meets FEMA or ICC 500 standards.

 Survive DURING

  • Immediately go to a safe location that you identified.
  • Take additional cover by shielding your head and neck with your arms and putting materials such as furniture and blankets around you.
  • Listen to EAS, NOAA Weather Radio, or local alerting systems for current emergency information and instructions.
  • Do not try to outrun a tornado in a vehicle.
  • If you are in a car or outdoors and cannot get to a building, cover your head and neck with your arms and cover your body with a coat or blanket, if possible.

Be Safe AFTER

  • Keep listening to EAS, NOAA Weather Radio, and local authorities for updated information.
  • If you are trapped, cover your mouth with a cloth or mask to avoid breathing dust. Try to send a text, bang on a pipe or wall, or use a whistle instead of shouting.
  • Stay clear of fallen power lines or broken utility lines.
  • Do not enter damaged buildings until you are told that they are safe.
  • Save your phone calls for emergencies. Phone systems are often down or busy after a disaster. Use text messaging or social media to communicate with family and friends.
  • Be careful during clean-up. Wear thick-soled shoes, long pants, and work gloves.

Associated Content

 

Purchases that end up costing you

©Shutterstock
Alan Jones 
Researching prices and finding deals can be a time-consuming process for many adults, which makes responsible spending a burden. While some big-ticket items can be rewarding, some bad purchases just won’t justify the price over time, no matter how much you try to rationalize the decision.
Photo by rawpixel.com from Pexels
Photo by rawpixel.com from Pexels

 

Spring Weather Safety

Spring has sprung! As wild spring weather approaches, be sure you know your risks and get prepared. Learn more from the National Weather Service: http://bit.ly/2JLhLU3

 

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National Invasive Species Awareness Week Feb 25 to Mar 1

You may be thinking February is not the time of year to manage invasive species, especially work involving plants; however, it is a great time of year to review past efforts, and plan invasive species work for the growing season.  Many landowners in Indiana are doing just that. In addition to planning for upcoming work, we are excited to announce that Indiana is rolling out the Indiana Invasives Initiative (III) and participating in Weed Wrangle Indiana®.

Visit Indiana Native Plant Society for more information.

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For all your Indiana Insurance needs, visit Scott Lynch Agency