When Rising Water Is Called a Flood

There are floods in the news again… seems incessant. Hurricane Sandy just devastated the New York metropolitan area. Duluth is still working to recover from recent flood damage of trout streams and hiking trails. Though we’ll likely have a reprieve for a few months, flood season will come roaring back shortly after we’re lulled to sleep. Most everyone experiences a surprise “flood” in one situation or another, whether a formally declared flood such as caused by hurricane Sandy, or a swamped basement because a sump pump couldn’t keep up following a spring thunderstorm. There are multiple definitions of what constitutes a “flood.” Some floods are addressed easily by insurance, some are clearly excluded.

Avoiding 5 Common Injuries

It is difficult to eliminate the possibility of all accidents, but a few moments of awareness education, along with diligent planning and follow-through will certainly reduce their likelihood. 1. Wet Floors. Whether from melting snow or ice, rain, or everyday spills, wet floors always pose a hazard. If you operate a...

Teen Parties: What Every Parent Needs to Know

Parties can be a significant part of every teenager’s development. However, an enjoyable evening with friends and family doesn’t need to involve alcohol or drugs. Merriam Insurance hopes that these party guidelines will assist parents and teens in the planning of a drug-free, sober, and safe party. Guidelines for Parents...

Protecting Your Pastors

Unexpected incidents happen every day. What if your pastor is injured falling down stairs or lifting a box? What if he gets into a car accident while driving to visit a sick church member? What happens when your children’s pastor becomes seriously ill and cannot organize Sunday School or youth...