Saint Patrick's Day Fun Facts

While our mission is Providing Peace of Mind to our policyholders, we also like to take time to stop and smell the roses...well, in this case - shamrocks! Here are a few fun facts about the Saint Patrick's Day holiday:

  • In Ireland, the national holiday of Saint Patrick's Day allows businesses to close for families to celebrate. Historically, the holiday was celebrated to bring people together with food and shared cultural, religious, and political backgrounds in Ireland. 
  • Celebrated as a dry holiday in Ireland until 1970, pubs were then able to open for business to sell alcohol. Today, nearly 13 million pints of Guinness will be consumed worldwide!
  • Saint Patrick did not drive snakes out of Ireland. It is believed the word “snakes” was used metaphorically to describe religious immorality.
  • Saint Patrick wore a shamrock to explain the Holy Trinity by showing the 3 leaves with one stalk. The shamrock evolved into a symbol for the modern holiday.
  • The first Saint Patrick’s Day parade in the U.S. was held in Boston on March 17th, 1737...
    39 years before the signing of the Declaration of Independence!
  • New York City touts the largest S.P.D. parade in the world and have continued the tradition drawing crowds of 2 million spectators and 150,000 marchers.
  • According to the U.S. Census, nearly 32.7 million residents claimed Irish ancestry in 2015, which is more than 7 times the population of Ireland (4.6 million).
  • 45 pounds of green (vegetable-based) food dye turns the Chicago River green each year for their parade! The green color lasts for approximately 5 hours.
  • Annually, the President of Ireland gives the President of the United States a crystal bowl of shamrocks as a gesture of shared ancestry and support between the two nations. (We also have 16 towns named Dublin, just to be clear!)

Please enjoy your green beer responsibly from all of us at Frederick Mutual!


March 2018 Winds - "In Like a Lion, Out Like A Lamb?"

Wind can be one of the most destructive forces in nature. Even moderate storm gusts may cause damage to your property and belongings. In anticipation of high winds associated to the Nor'easter this weekend in the Mid-Atlantic region, we've compiled a few helpful tips to safeguard your home or business from wind-related events. Here's hoping Spring behaves more like a lion cub! 

Important Tips

  1. Gravel in driveways or logs in woodpiles can cause exterior damage to vehicles, siding and windows when blown around from high winds. Cover these areas with a tarp and secure with stakes for added prevention. 

  2. Have the number of your Utility company kept in a place accessible to family members or coworkers to call at the first sight of a downed power line and/or loss of power. 

  3. Keep high-end electronics plugged into surge protectors as wind can interrupt the flow of electricity to your home or business. 

  4. A power outage disables well pumps for those on well water. This will prevent toilets from flushing without water flow. Filling a bathtub with water prior to a wind storm can assist with water transfer for flushing waste. 

Exterior Prevention:

  • Check roof shingles looking for properly nailed down, tightly-fitted patterns.
  • Move patio furniture, children's toys, and potted planters inside a shed, garage, or other storage space to avoid puncture damage.
  • Spot check the gutters and downspouts around the home making sure they are secured properly.
  • Hire a professional to cut or trim loose tree branches. Limbs should be at least 20 feet from your structure.  
  • Siding and windows should have a sealed caulking to prevent strong drafts.
  • Close exterior doors, shed doors and other detached structure doors; deadbolt if possible to keep debris from striking the main structure. 
  • For commercial properties, overhead and dumpster doors, outdoor lighting and signs should be secured, locked, and/or braced. Any inventory, equipment or supplies should be tied down and/or anchored.  
  • HVAC units should be affixed appropriately by a professional to sustain high wind impact. 
  • Make sure the exterior walls and roof have a tight seal to prevent updrafts capable of lifting a roof or causing separation. 
  • Park vehicles away from trees or large branches. 
  • Close and lock windows. It's best not to stand in front of windows during storms with high wind speeds. 


A fire at your home or business is an emotional and financial devastation. According to the U.S. Fire Administration, a fire can become life-threatening in just 2 minutes and an entire residence may be engulfed in flames within 5. In addition, newer homes and the newer materials in carpets, drapery and furniture contain synthetics which burn faster. Read these helpful tips to keep your family and coworkers safe.

Identifying a Problem – If you smell or see smoke, this may signal the start of a fire or one igniting soon!

Important Tips

  • Keep an appropriately rated fire extinguisher in key areas of your home or business (i.e. - kitchen/boiler or furnace room)
  • Make sure your house number or business unit is easily readable from the street for Fire & Rescue staff.
  • Create a fire escape plan with your family and coworkers. This drill should be practiced once a year.
  • Test smoke/carbon monoxide detectors once a year for battery life and proper operation.

The List of Nevers:

  • Never leave a fire in a fireplace or in an outside fire pit unattended!
  • Never leave a burning candle or burner on a stove unattended!
  • Never smoke in bed!
  • Never pour water on a grease fire!
  • Never leave a space or kerosene heater on in an unoccupied home or business!
  • Never store flammable liquids near a heat source!
  • Never allow children to play with matches or lighters!

Prevention – Interior & Exterior

  • Put out cigarette butts completely before properly discarding them.
  • Do not smoke cigarettes in a home or business where an individual is using medical oxygen.
  • Leave at least 3-5 feet of area around a space heater away from curtains, plastics or other flammables.
  • Maintain & clean furnaces, fireplaces and chimneys by hiring qualified and insured contractors.
  • Check fireplace flue for a tight seal when closed.
  • Keep flammable liquids sealed and stored properly in areas like garages or storage sheds.
  • Fix or replace exposed electrical wiring, loose outlet plugs, or frayed extension cords.
  • Install dual smoke/carbon monoxide alarms on all floors of your home or business.

If Your Home or Business Has A Fire

  • Evacuate immediately to an area a safe distance away from the fire. 
  • Call 911!
  • If clothing is on fire – STOP, DROP & ROLL.
  • If a fire starts in a cooking pan, place a lid over the fire and turn off the burner.

A Great Host is a Safe Host During the Big Game

On Sunday, February 4th many sports fans will gather to watch Super Bowl LII. Here are a few quick tips for having fun, while keeping your guests, property and family safe.

  1. Encourage guests to eat plenty of food (this shouldn’t be difficult!) and drink plenty of water to balance alcohol consumption.  Remember to pace yourselves.
  2. Make sure guests have designated drivers, ride-share services or cab company numbers available to get home safely.

  3. If frying foods, keep fryers on level surfaces to avoid oil spilling onto a cooking burner for fire prevention.

  4. Keep a rated fire extinguisher in areas where frying, grilling, and other cooking methods take place.

  5. If hosting guests or sharing your home during the Super Bowl, remember to review your homeowners or renters policy for liability statutes.

Fast Fact:  According to the National Highway Traffic Association, young men aged 21-34 are the core audience for the Super Bowl and more likely to drive intoxicated or not wear a seat belt. 

Be Prepared for Winter Power Outages

Being without power during a winter storm can affect your home and the well-being of your family. A few days without power in freezing temperatures is concerning if not properly prepared. Below is a comprehensive list of essential items to have ready for a winter power outage or severe snowstorm:

  • Plenty of blankets, extra hats, socks and gloves
  • Winter boots
  • 5 day supply per person of snack foods with protein for energy
  • 5 day supply per person of dry good foods that can be eaten cold
  • Daily medications for adults and pets
  • Shovel
  • Broom
  • 5 day supply per person of Bottled water
  • Flashlight with additional batteries
  • Battery powered radio
  • First Aid kit
  • Emergency Flares
  • Fluorescent distress flag and whistle
  • Tool kit
  • Matches and a lighter
  • Coolers for food storage, if needed (*see below)

Important Tips

  1. If using a space heater as an alternate heat source, keep it in a room with at least 3-5 feet away from any fabric or flammable materials in the room.

  2. Check the expiration of all canned and dry goods, bottled waters, batteries and medications quarterly before placing in a survival kit for seasonal storage.

  3. Make sure electronic devices such as cellphones or tablets are fully charged in preparation for inclement weather.

Food Spoilage Prevention

  • Stock your refrigerator with a full supply of ice.
  • Leave food in the refrigerator and freezer with limited opening of the doors.
  • If ice in the freezer begins to thaw, remove food and place in coolers with ice to use as needed.