9 Summer Pool Safety Tips for Florida Homeowners

 Homeowner Pool Safety Tips

Who doesn’t love to hear the words, “pool party”?

 

Swimming and playing in a backyard pool is one of the best ways to have fun and stay cool during our hot Florida summers. However, homeowners need to be aware that swimming pools can be dangerous for children, especially young children who don’t know how to swim. Drowning remains the leading cause of preventable death for children ages 1-4 years old. Here are some pool safety tips to help you swim safe all summer.

 

1. Create a barrier around your pool to prevent children from entering it without supervision. Your pool should be fenced or otherwise blocked off on all four sides. Fences should be at least four feet tall with no openings or protrusions that would enable a child to climb over or under them. Gates should be self-closing and self-latching, with the latches out of reach of small children. Alarm the doors and windows that face the pool, especially if your house itself provides the fourth side of the barrier. For added protection, install a surface wave or underwater alarm that will alert you when someone goes in the pool.

If you have an above-ground pool, be aware that children leaning against soft sides can fall in. Surround it with a fence just as you would an in-ground pool. Remove the ladder or steps when the pool isn’t in use, and install a safety cover.

 

2. When it’s time to swim, a responsible adult should always supervise children in and around the pool. Stay within arm’s reach of young children. Children should never be left unattended, even if they know how to swim.

 

3. Keep rescue equipment, such as a life preserver and fiberglass shepherd’s hook, on hand. Also have a portable phone nearby when the pool is in use.

 

4. Establish pool rules such as “walk don’t run,” “no diving,” and “never swim alone.” Make sure everyone in the family and all visiting children know and understand the rules, and be sure to enforce them.

 

5. Sign children up for age-appropriate water safety and swimming lessons. Keep in mind that swimming lessons don’t “drown proof” a child.

 

6. Get your CPR certificate. Knowing how to perform CPR could save a life!

 

7. Avoid the drain. Suction from pool drains can catch bathing suits, hair, or jewelry and trap swimmers underwater. Make sure all drain covers are present and in good repair, and remind swimmers to stay clear of drains.

 

8. Maintain the pool water. Pool water can be the source of earaches, rashes, and other more serious afflictions if it’s not maintained properly. Test water on a regular basis, and adjust the chemicals as needed.

 

9. Make sure your homeowner’s policy carries adequate liability coverage in case of accident. Call Lakewood Financial at 941-747-4600 or contact us online if you have any questions about your limits, or for a free, no-obligation quote.

 

Happy swimming!

For more information on pool safety for children, please visit poolsafely.gov

Coverage Options for Uber and Lyft Drivers

 

uber and lyft driversThinking of making a little side income by becoming a rideshare driver* for Uber or Lyft? Before you sign up, make sure you’ve got insurance coverage. Will your personal auto policy be enough? Or do you need a commercial auto policy?

 

A typical personal auto policy only covers you for personal use, not when you’re using your vehicle for commercial purposes, as you would as a rideshare driver. However, since you only occasionally use your vehicle for commercial purposes, you probably don’t want or need a commercial auto policy. The company you work for will likely carry some coverage, but you’ll still need to carry coverage to protect your liability and your vehicle when you’re driving for them. What should you do?

 

We’re happy to say that insurance companies have seen the need for endorsements that reflect the needs of rideshare drivers. Give Lakewood Financial a call at 941-747-4600 to discuss your options.

 

Remember, if you use your vehicle for your job—if you’re a realtor, an outside salesperson, or a professional construction worker, for example—you will need a commercial auto policy. We can help with that, too! Just give us a call, or contact us online for a free, no-obligation quote.

 

*A rideshare driver is an individual who provides taxi-like services to passengers via smart phone app for a Transportation Network Company (TNC), such as Uber or Lyft. Drivers use their own personal vehicles, rather than a limousine or taxi, to carry passengers.