Posts Tagged ‘fire insurance’

Chimney Safety Tips from CSIA

December 8th, 2010 by Iris | Comments Off | Filed in advice and how-tos, fire insurance, homeowners insurance

It’s December, which means that Jack Frost is probably nipping at your nose, as the song says. Even if you’re not actually roasting chestnuts over an open fire, the Chimney Safety Institute of America (CSIA) wants to make sure that your fireplace is a heat source and not a safety hazard this winter. To that end they’ve published their top ten safety tips for wood burning fireplaces and stoves. Enjoy:

1. Get an annual chimney check. Have chimneys inspected annually, and cleaned as necessary, by a qualified professional chimney service technician. This reduces the risk of fires and carbon monoxide poisonings due to creosote buildup or obstructions in the chimneys.

2. Keep it clear. Keep tree branches and leaves at least 15 feet away from the top of the chimney.

3. Install a chimney cap to keep debris and animals out of the chimney.

4. Choose the right fuel. For burning firewood in wood stoves or fireplaces, choose wellseasoned wood that has been split for a minimum of six months – one year and stored in a covered and elevated location. Never burn Christmas trees or treated wood in your fireplace or wood stove.

5. Build it right. Place firewood or firelogs at the rear of the fireplace on a supporting grate. To start the fire, use kindling or a commercial firelighter. Never use flammable liquids.

6. Keep the hearth area clear. Combustible material too close to the fireplace, or to a wood stove, could easily catch fire. Keep furniture at least 36” away from the hearth.

7. Use a fireplace screen. Use metal mesh or a screen in front of the fireplace to catch flying sparks that could ignite or burn holes in the carpet or flooring.

8. Install smoke and carbon monoxide detectors. Place detectors throughout the house and check batteries in the spring and fall. When you change your clocks for Daylight Savings Time, remember to check your batteries.

9. Never leave a fire unattended. Before turning in for the evening, be sure that the fire is fully extinguished. Supervise children and pets closely around wood stoves and fireplaces.

10. The CSIA recommends annual inspections performed by CSIA Certified Chimney Sweeps. These chimney sweeps have earned the industry’s most respected credential by passing an intensive examination based on fire codes, clearances and standards for the construction and maintenance of chimney and venting systems. The National Fire Protection Association also recommends that all chimneys are inspected on an annual basis.

One tip they didn’t recommend? Check the status of your fire insurance policy…just in case.

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Deep Fried Insurance?

November 24th, 2010 by Iris | Comments Off | Filed in fire insurance, homeowners insurance

Tomorrow’s Thanksgiving. Whether or not you plan to deep fry your turkey, you should know that more cooking fires happen on Thanksgiving than on any other day of the year, and that fire insurance claims from grease and cooking accidents more than double, compared to any other day in November, at least according to data from State Farm Insurance.

If you do see flames leaping up around your kitchen, remember that the best way to stop a grease fire is to smother it with a pan lid or some flour – never water – and that sometimes the best thing you can do is call 911 and get out of the house.

And for those of you who are deep frying your turkey, here’s some advice from State Farm and the Illinois Fire Service Institute:

* Don’t overfill the fryer pot. Follow directions in the owner’s manual to determine how much oil to use. If you overfill, the oil will overflow when you lower the turkey, spill on the burner and catch fire.
* Thoroughly thaw the turkey before cooking. Placing a frozen or partially frozen turkey in a fryer can cause oil to splatter, seriously burning anyone standing nearby, and catching fire when coming into contact with the burner.
* When cooking outdoors, stay away from any structures or flammable materials. More than a third of fryer-related fires start in a garage or on a patio.
* Don’t use water or ice to cool the oil or try to put out a grease fire. Contact with water or ice causes cause oil to splatter and spread. Keep a fire extinguisher handy for putting out grease fires.

Most importantly, if you’re deep frying anything, never, ever leave the fryer unattended – you never know what the grease may do.

Most turkey fryer fires are preventable, although Evrley admits he hasn’t been tempted to fry a turkey since the blaze at his mother-in-law’s home. He also agreed to be the “poster child” for State Farm on how to avoid turkey-fryer fires.

“If it saves somebody from doing something like I did, I’m glad to talk about it,” he says.

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Friday Filmstrips: Light Your Pilot

October 15th, 2010 by Iris | Comments Off | Filed in advice and how-tos, fire insurance, friday filmstrips

With cooler weather comes the desire for the soothing crackle of a warm fire. If you have a gas insert in your fireplace, you may have turned the gas off for the summer. This video from WoodHeat.com and YouTube explains how to re-light the pilot for your gas fireplace.

Remember to check your fire insurance policy first, then enjoy:

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11 Texas Cities Made Safer from Fires

September 30th, 2010 by Iris | Comments Off | Filed in fire insurance

Elderly and low income residents of eleven Texas cities (Amarillo, Edinburg, El Paso, Farmers Branch, Galveston, Glenn Heights, Longview, Mansfield, McKinney, New Braunfels, and Wichita Falls) will be receiving smoke alarms from their local firefighters, as part of this year’s “We’re Out to Alarm Texas” smoke alarm campaign. Now in it’s sixth year, the program has saved three lives and prevented several homes across the state from being destroyed by fire.

As part of a partnership between the Insurance Council of Texas (ICT), the State Fire Marshall’s office, First Alert, and the Travelers Insurance Companies to donate the alarms to firefighters who will install them and monitor fire runs to those homes. In total, there were twelve hundred smoke alarms were donated this year, just in time for Fire Prevention Week, which runs from October 3rd – October 9th.

The elven cities were chosen by the State Fire Marshal’s Office because of the willingness of the fire departments there to install the smoke alarms, and because these cities all have high fire fatality counts. The smoke alarms are available to homeowners in each city on a first come, first served basis. Firefighters then install the alarms, and alert the homeowners to possible fire hazards.

Since the We’re Out to Alarm Texas program began in 2005, more than 6,000 smoke alarms were installed in 17 Texas cities. In the first year, elderly residents of Waco and New Braunfels were rescued by firefighters after alerts came in from donated alarms.

According to Mark Hanna, a spokesperson for the Insurance Council of Texas said, “It didn’t take us long to see that the program saves lives and property. The program has brought fire departments closer to their community and helped educate its residents to the benefits of a functioning smoke alarm.”

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Friday Filmstrips: Get Your Smokey On

September 24th, 2010 by Iris | Comments Off | Filed in advice and how-tos, fire insurance, friday filmstrips

If you’ve been paying attention to the news, you know that fire has been an issue in California, Colorado, and now Michigan recently, and while we know that most of you have good fire insurance, we also know that a reminder about how fires start is a good thing from time to time, so we’re “getting our Smokey on,” and sharing this PSA from SmokeyBear.com. Incidentally, did you know that the correct name for this American PSA icon is “Smokey Bear,” and not “Smokey THE Bear?”

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Friday Filmstrips: Fire Insurance Claim Tips

September 17th, 2010 by Iris | Comments Off | Filed in advice and how-tos, fire insurance, friday filmstrips, homeowners insurance

A house fire is one of the worst things most of us can imagine, but the trauma is even greater if you file a fire insurance claim incorrectly. For this week’s Friday Filmstrip, courtesy of YouTube and the Property Claim Tip guys, we offer a video on fire insurance claims. Enjoy!

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Foremost Expands Product Lines for Vermont Fire Insurance

September 1st, 2010 by Iris | Comments Off | Filed in fire insurance, renters insurance

It may seem strange to be talking about fire insurance policies when much of the country is dealing with massive amounts of rain thanks to Hurricane Earl and Tropical Storm Hermine, but those folks who have homes, or summer homes, in Vermont might be interested to know that Foremost Insurance Group is expanding their Dwelling Fire program in that state effective today. They’re also introducing some new products in their Dwelling Fire Insurance line that are specifically designed for various types of properties (vacant, rentals, owner-occupied). Landlords and other rental property insurance customers will be glad to hear that there are broader underwriting guidelines and bigger discounts.

All new business will be written on the new product lines, and current customers will be moved into the new products as their renewal dates occur.

So what do the new products include? Here’s a list, courtesy of The Insurance Journal.

* Financial responsibility scores are being used as a rating parameter for landlord business with a discount of up to 20% for superior financial responsibility (new business only).
* Rental properties up to 15 years old may qualify for an age-of-home discount of up to 25%.
* Customers with another personal lines or qualifying life policy with Foremost, Farmers, Bristol West or 21st Century may qualify for a discount.
* Landlords with multiple properties insured with Foremost may qualify for a discount of up to 10%.
* Unique discounts for landlords who belong to a landlord association, use a property management company and perform tenant screening.

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