Friday, January 31, 2014

How to Keep your Pipes from Freezing

by: Texas Plumbing Diagnostics

Most people are aware that when water freezes, it expands. That’s why your forgotten can of soda in the freezer exploded. When water freezes in a pipe, it will expand in the same way.

If it expands enough, it will burst, water will escape, and serious damage may occur. A 1/8-inch crack in a pipe can spew up to 250 gallons of water in a day. But this is one disaster you can prevent by taking a few simple precautions.
Both plastic and copper pipes are susceptible to freezing. Pipes freeze for a combination of three reasons: a quick drop in temperatures, poor insulation and a thermostat that is set too low.

Water pipes in warmer climates may be more vulnerable to winter cold spells, since the pipes are more likely to be located in unprotected areas outside of the building insulation. Homeowners can be proactive by determining whether they have any plumbing items that need protection, and then ensuring that they provide that protection.
Pipes in attics, crawl spaces and outside walls are all vulnerable to freezing, especially if there are cracks or openings that allow cold outside air to flow across the pipes.

Research at the University of Illinois has shown that wind chill, the same cooling effect of air and wind that causes the human body to lose heat, can play a major role in accelerating ice blockage, and thus, bursting water pipes.
When is it cold enough for pipes to freeze?

Homeowners should be alert to the danger of freezing pipes. Any time temperatures dip to 32 degrees, pipes may freeze, especially when wind chill is a factor.

 Tips to avoid frozen pipes:

• Know where the water cut-off valve is located in your home. Make sure that every responsible person in the home is aware of its location.
• Remove, drain and carefully store hoses used outdoors.

• Keep garage doors shut if any water lines are located inside.

• Seal all openings where cold air can get at unprotected water pipes. As stated above, it’s especially important to keep cold wind away from pipes.
• Pipes in attics and crawl spaces should be protected with insulation or heat. Pipe insulation is available in fiberglass or foam sleeves. Remember, the more insulation you use, the better protected your pipes will be.

• During freezing weather, leave cabinet doors open under kitchen or bathroom sinks (especially if they are located against an outside wall) to allow warmer room air to circulate around pipes. You can also place a small lamp with an incandescent bulb near the pipes. Be sure to remove anything flammable from the area to prevent fires.
• Let faucets drip slowly to keep water flowing through pipes that are vulnerable to freezing. If the dripping stops, it may mean that ice is blocking the pipe. Keep the faucet open to assist in pressure relief.

• Heating cables and tapes are effective for freeze protection. Follow manufacturer’s directions closely when using these products.

• Exterior pipes and hose bibbs (outdoor faucets) should be drained or enclosed in 2-inch insulation sleeves.
• When weather is very cold, keep thermostats at the same temperature day and night. Lowered temperatures at night may contribute to colder attic temperatures and thus, more vulnerable pipes.

What to do if your pipes freeze:

If you turn on your faucets and nothing comes out, the water in your pipes is probably frozen. You may be able to thaw a frozen pipe with the warm air from a hair dryer. Make sure the faucet is open, and never stand in water while operating an electric appliance. Do not use a blowtorch or any open flame to thaw a pipe, to prevent fires.
If your water pipes have already burst, turn off the water at the main shut-off valve in the house. Leave the water faucets turned on. Again, make sure your family members know where the water shut-off valve is and how to operate it. Then call a plumber to help.

Tuesday, January 7, 2014

Why would my organization need Cyber Liability Coverage?

A large majority of non-profit and social service executive directors, boards of directors and risk managers are not aware that their standard insurance coverages (Commercial GL, Property, D&O, crime) typically don’t provide proper coverage for cyber liability. Most employees and IT professionals don’t know that they (along with their organization) have an exposure to cyber risks and how that exposure can pose a significant financial threat to their institutions.

 A Non-Profit or Social Service organization that...

  • Obtains social security numbers, drivers license numbers, bank account numbers of clients or employees
  • Has access to patient medical records
  • Is in the process of going ‘paperless’ or keeps paper files onsite
  • Provides online access to sensitive data
  • Allows laptops or access to their network from a remote location
  • Relies on their computer network on a daily basis 

Financial Threats to Your Institution:

  • Costs to comply with federal and/or state required notification. Per individual, the average cost per record is estimated at $203
  • Regulatory proceedings(including fines and penalties) as a result of a privacy breach. This includes HIPAA violations
  • Employees (teachers, volunteers) and/or groups of affected individuals(alumni, current students, parents) suing for damages as a result of a privacy breach
  • Liability for the transmission of malicious code to an outside party
  • Denial of service attack on your network, causing computer system to go down and business interruption expenses
  • Intellectual property/privacy lawsuits. These include libel/slander arising out of content that is on your internet or intranet sites 


Given our expertise in underwriting Commercial Package, D&O & EPLI for the social service industry
and other non-profit institutions. We recently developed a cyber product that...

  • Is modular. You and your agent are able to pick and choose the appropriate coverage lines
  • Is on PHLY’s admitted A++ paper in most states
  • Provides industry leading coverage for both 1st party and 3rd party exposures
  • Helps you understand. At any point, a cyber underwriter can help explain the coverage to an agent or insured

Information Needed for a Non-Binding Indication for current or prospective PHLY Customers:

  • Annual revenues and number of employees
Claim Scenarios for Non-Profit Organizations
  • Client information was on a case manager’s laptop that was stolen from her office. Files on the laptop contained patient names, social security numbers, dates of birth, addresses, phone numbers, medical condition information and case information
  • Third-party vendor that hosted a foundation’s website experienced a security incident. Customers who donated to the organization may have had their names, dates of birth and credit card information accessed
  • Adult day care’s computer network is down for 4 days as a result of a Trojan horse attack and are unable to provide any services as a result. There is a need to hire experts to correct their system and get it back to where it was functioning
  • In an effort to go paperless,cleaningcrewataHIVawareness organization discards all employee files in an unsecured dumpster. Personal information of all employees is compromised and those affected join a class action suit against the non-profit
  • Animal shelter holding a golf tournament posts information regarding the event on their website. As a result of the shelter not getting permission to use a golf company’s logo, they are sued for copyright infringement