Hazards of the Holidays

By Buddy Whitaker 

Published November 22, 2013


Holidays are a happy time for family and friends.  Let's do our best to make sure our holidays, as well as the unit owners around us, are safe.


A National Fire Protection Agency study estimates 240 homes are damaged annually by fire.  17% of these fires are caused by Christmas trees.  15% developed from poor electrical wire or cable insulation and 11% were the result of decorations.


So of the 240 home fires, 43% were the result of holiday decorations.  Here are some thoughts and ideas to reduce the likelihood of a fire in your home.

  • Do not overload your circuits

  • Many electricians have infrared detectors to make sure your circuits are not overloaded or running too hot

  • Check your electrical sockets and make sure the fittings are tight

  • Or have a licensed electrician inspect them

  • Make sure no copper is exposed in any electrical chord

  • If so purchase a new electrical cord or use some electrical tape.

  • Also make sure that your lighting is not too hot or placed too closely to flammable materials

Roughly 5800 emergency room visits occur annually from the installation of holiday decorations.  Before climbing your ladder or hopping on the roof, take the extra time needed to be safe.


If a contractor is installing any decorations make sure they have a worker's compensation policy and that the policy is currently in effect.


Keep your holiday's fire department and emergency room free and happy holidays.


Make a great day.

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Buddy Whitaker truly enjoys being an insurance professional. His condominium association client's appreciate his attention to detail. The fact that he has practically

committed the Georgia Condominium Act to memory helps. 

In his words, "My objective is to be the resource and trusted advisor that my clients want to turn to for guidance. I strive to either know the answer or know where to find it."

Creative Solutions: As a student of condo association (COA) insurance, Buddy has forged specialized programs that address the unique exposures of multi-family residential structures.

His solutions juggle the need to keep overall costs down, both for the unit owner and the association, while making sure that coverage remains as broad as possible.

COA Focused: He's leveraged his 6 years in the insurance industry; as the director of continuing education for Metro Alliance of Independent Insurance Agents, board position on his own condo association, and study of the Georgia Condo Act and condo declarations.  This transitioned into understanding of the COA sector, the nature of the claims,  methods of managing the risk, and the complex relationships among board members, unit owners, and property managers.

Insurance isn't just a job for Buddy, it is a passion.  That said, he also enjoys a round of golf, experimenting in the kitchen, and DIY projects around his home. He's also a loving husband and a proud father of a brand new baby girl.

Contact Buddy via email or visit Hamby & Aloisio's website.