Friday, 24 May 2013

Riding in the Summer Heat

I thought this article was interesting about riding and maintaining our horses in the heat.  This summer is especially hot and this has some good advice to review.  I’ve reprinted this from an email I recieved recently.  Stay Cool Everyone!  Enjoy the read:

Riding in the Heat:  When the Rider is Hot the Horse is Hotter

By:  Teresa Pitman / University of Guelph, Ontario Canada

A hot humid day. One rider. One horse. Both are exercising at a moderate level. Who is more likely to overheat?

It might surprise you to know that your horse gets hotter much faster than you and is more susceptible to the negative effects of heat stress.

Prof. Michael Lindinger, an animal and exercise physiologist at the University of Guelph, explains: “It only takes 17 minutes of moderate intensity exercise in hot, humid weather to raise a horse’s temperature to dangerous levels. That’s three to 10 times faster than in humans. Horses feel the heat much worse than we do.”

And the effects can be serious. If a horse’s body temperature shoots up from the normal 37 to 38 C to 41 C, temperatures within working muscles may be as high as 43 C, a temperature at which proteins in muscle begin to denature (cook). Horses suffering excessive heat stress may experience hypotension, colic and renal failure.

Lindinger, a faculty member in the Department of Human Health and Nutritional Sciences, became interested in the effects of heat on horses when he was a lead researcher on the Canadian research team that contributed information on the response of the horse to heat and humidity for the Atlanta Summer Olympics. He recently presented a workshop on the topic at Equine Guelph’s outdoor Equine Expo held June 4 at U of G’s Arkell Research Station.

Horses are more susceptible to heat for several reasons, explains Lindinger. First, they are larger and have a higher percentage of active muscle than people do during exercise. When muscles are being used, they produce a lot of heat.

Horses also rely to a significant extent on sweating to cool them off. They can sweat 15 to 20 litres per hour in cool, dry conditions and up to 30 litres per hour in hot, humid conditions, but only 25 to 30 per cent of the sweat produced is effective in cooling the horse by evaporation.

“Because so much more sweat is produced than can be evaporated, the rest just drips off the horse’s body,” says Lindinger. “By comparison, up to 50 per cent of the sweat people produce is evaporated from our bodies during exercise and helps to cool us.”

The salts in horse sweat are also four times as concentrated as in human sweat. Lindinger refers to a photograph of an area where endurance horses had been standing while their sweaty bodies were repeatedly scraped and cooled with water. As the liquids evaporated from the ground, the soil surface was left white because of the salt in the horses’ sweat.

“Those salts have to be replaced,” he adds. “Just giving the horse water will not rehydrate a dehydrated horse. When horses drink plain water, it dilutes their body fluids, and their bodies respond by trying to get rid of more water and more electrolytes.”

Horses also pant to dissipate heat, but Lindinger says this is only effective if the air is at least five degrees cooler than the horse’s body temperature.

His tips for protecting horses from the harmful effects of summer heat begin with teaching your horse to drink an electrolyte solution ― water with the right proportion of salts dissolved in it to replace sweat losses. “Start with a small amount in the water, allowing the horse to get used to the taste, and gradually increase it over days and weeks until you have reached the manufacturer’s recommendation.” Keeping your horse properly hydrated is the most important step in protecting it against the harmful effects of heat, he says.

If you’re preparing for a competition, Lindinger recommends trying to acclimatize your horse to the heat by spending four hours daily, at least five days a week for three weeks, in hot conditions. For best results, exercise the horse for an hour during the second hour of each of those days.

“Many riders will train their horses in the mornings or evenings, when it’s cool, then go to a competition held during the hottest part of the day. You need to get horses used to being ridden in the heat and allow them to develop the full spectrum of beneficial adaptations that come with heat acclimation.” Lindinger says that horses who have been through a process of heat acclimation will lose more heat through sweating and respiration and will be better able to stay hydrated because they are more likely to drink.

When your horse is hot, look for shade and breezes to help cool it down, but never use a blanket or “cooler” on a horse that is sweating, he adds, suggesting the best way to cool a horse quickly is to rinse the horse’s body repeatedly with cold water and scrape off the excess water.

“You can cool the horse two degrees in 10 minutes this way: pour on the water, scrape it off, pour on more, and just keep repeating it,” says Lindinger. “The scraping part is important because otherwise the water will be trapped in the horse’s hair and will quickly warm up. By scraping and pouring on fresh, cold water you keep the cooling process going.”

Just as equestrians pack a canteen of water, some sunscreen and a hat with a brim for summer riding adventures, Lindinger says they should also equip themselves with the tools needed to protect their horses from the heat and humidity. If you prepare your horse in advance and have a plan to cool him down if he becomes overheated, he says, even the hot, muggy days of summer can be great riding fun.

Link to article:

http://atguelph.uoguelph.ca/2010/06/when-the-rider-is-hot-the-horse-is-hotter/

Is Your Home Adequately Insured?

According to Marshall & Swift/Boeckh, one of the nations leading appraisal firms for residential and commercial properties, 60% of U.S. Homes are underinsured by an average of 25%

According to Marshall & Swift/Boeckh, one of the nations leading appraisal firms for residential and commercial properties, 60% of U.S. Homes are underinsured by an average of 25%. The National Association of Home Builders recently stated that the costs of construction materials has increased 2-5 times more than gasoline prices. Lumber prices have increased 27% and scrap metals, used to make nails, have increased 80%.

What does this mean to you? If your home is currently insured for $300,000, and it burns to the ground tonight, and then you discover that it is going to take $400,000 to re-build it, you are going to have out-of-pocket costs of $100,000 plus a possible under-insurance penalty.

What can you do to prevent this from happening to you? I would recommend that you consider getting a Replacement Cost appraisal done on your home. The cost the appraisal could potentially save you many thousands of dollars if you are one of the unfortunate ones to lose your home. At the very least I would suggest that you check with a local builder and see what he/she thinks it would cost to rebuild your home at today’s prices.

To take this subject a step further, Marshall & Swift/Boeckh, last year said that 75% of other buildings, barns, covered/indoor arenas, equipment buildings, etc., may be under-insured by as much as 40%. This obviously means that you should do serious evaluation of the current replacement costs of your farm structures as well.

Don’t let yourself be lulled into thinking that major property losses only happen to someone else. You or I could be the next victim. BE PREPARED!

Butch Human, Star H Equine Insurance, 1-877-827-4480, www.starhinsurance.com


Mortality Insurance and Hauling Your Horse

Two Great Insurance Questions about Hauling Your Horse, with One Common Answer -

1) Will an Auto Insurance Policy cover my horse in transit?

One of our clients asked this very good question. The answer is No.

Your own auto policy covers injury/death or damage to someone else’s property. An auto policy does not cover anything you are hauling in a trailer – your property or someone else’s property. (Horses are considered property.)

2) If my trainer has a wreck while hauling my horse, will his Care, Custody and Control Liability respond to cover the death/injury of my horse?

Normally, in this situation you would file a claim under your Mortality and/or Major Medical insurance and be paid by them. It the trainer was at fault in the accident your insurance company has the right to subrogate (bring legal action) against the trainer to recover the money they just paid you. This makes it very important for the trainer to have adequate limits under his/her CCC coverage to cover value of a customer’s horse that might get injured or killed while in his/her care custody and control.

The best way to cover your “investment” in your horse is to have Mortality Insurance and Major Medical coverage on your horse. If your horse is killed in an accident while being hauled (by you, a friend, or your trainer), you would file a claim with your horse insurance company to recover your damages. If your horse is injured, the major medical coverage would respond to help with the medical costs.

Trainers, make sure you have adequate limits on your CCC to cover the value of your customers’ horses that you have in your care – at home and on the road.

For more information and a more detailed explanation, please email or call Star H Equine Insurance. (1-877-827-4480)


Star H Equine Insurance and Chartis sponsor the ApRHA Reining Futurity Intermediate Open Division at the Appaloosa World Show 2009

Star H  Equine Insurance  once again sponsored the Intermediate Open Division of the ApRHA Reining Futurity.  The ApRHA Reining Futurity was held on Saturday October 31, 2009 during the 2009 Appaloosa World Show.

Many clients stopped by the Star H Equine Insurance booth on the John Justin Concourse where we were able to help them with their horse insurance needs.   Of course some folks just stopped by for some candy!

Star H and Chartis were proud to present the Star H Intermediate Open Futurity Buckle to Frank Marley III from Florida riding his own Some Kinda Shine.  Frank also won the Non-Pro Futurity on Some Kinda Shine.  Frank’s horses are trained by Jose Seutter.   Nice win Frank!

Stop by the Star H Booth on the John Justin Concourse during the show!

The Star H Booth on the John Justin Concourse during the show!


Simple Ways to Inventory Your Horse Farm in case of a Disaster or Theft

If your home or barn should burn you can show the video of your contents to the insurance adjustor and not have to remember everything that you owned. Doing this could literally mean thousands of additional dollars in your claim settlement amount!

God forbid that this will ever happen to you, but if you are one of the unfortunate ones the following may help to put additional claims dollars in your pocket. It is not a major ordeal to determine the cost to replace your home or barn, but what about the contents of your home (or barn)? In general terms the insurance adjustor will ask you to tell him everything that was in your home (barn) when it burned so that he can determine the value of your home (barn) contents. If you are looking at a pile of ashes where your home (barn) used to stand it is virtually impossible to remember everything that was in your home (barn). Ideally, the best thing to do is a written inventory of the contents of your home (barn) and keep it updated as you dispose or acquire new items. In 40 years I have only had one client that did this, but guess where he put the very detailed written inventory – in a desk drawer in his home. You can probably guess what happened next – right, his home burned to the ground along with his inventory.

A much simpler way to do this is with a video camera. Video every room in your home to include furniture, wall decorations, interiors of all the closets, open the kitchen cabinets and video the china, glassware, sliverware, etc. Lay your jewelry out on the dining room table and video the pieces. Finally, don’t put the video in your desk drawer at home! Put it in a safety deposit box or take it to your office. If you home should burn you can show the video to the adjustor and not have to try to remember everything that you owned. Doing this could literally mean thousands of additional dollars in your claim settlement amount!

You should also consider doing this in your barn – at least your tack room. If your barn burns or crooks clean out your tack room one night you will have a video record of your horse stuff.


Welcome!

Butch on the phoneHi, I’m Butch Human, and welcome to my Equine Insurance Blog. I will be talking about various insurance situations that I encounter as a specialist in the Equine Insurance Business. I have over 35 years insurance experience, specializing in Farm & Ranch insurance, liability insurance as is pertains to the equine industry, and horse insurance.