Archive for the ‘home safety suggestions’ Category

Frozen Pipes

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Water FaucetHere at Fitts Insurance, we took MANY water pipe claims this week.  Our mild winter came to an abrupt end with the record freezing temps this past weekend.  Frozen pipes, burst pipes, flooding, water damage, and the resulting clean up were on tap for some clients. And though we may be out of the deep freeze at the moment, there is still some winter left to weather. 

The following information on how to prevent or deal with frozen pipes may be needed next week or next winter.  In either case, this is information that homeowners, tenants, and businessowners alike should know or have on hand as a reference for when it is needed.

There are three common causes of frozen pipes according to the American Red Cross and any one, or a combination of them, can cause a pipe problem:

  • Rapid drop in temperature
  • Poor insulation
  • Thermostats being set too low

Not all pipes need special care but those that are exposed to the outdoors, nearest the building’s outer walls, or under the foundation are the ones that are most at risk.  And since Mother Nature is beyond taming, that leaves us with doing our best to protect ourselves and our property from her harsher moods.  So what can you do?

  • Set your thermostat to the same temp day & night.  Nights are usually colder, so turning down the heat is not a good idea
  • Use heat tape, heat cables or foam sleeves to wrap the pipes
  • Remember water freezes at 32 degrees. When it’s in the 20s and teens, we are already well below freezing!
  • Make sure you have enough insulation in the outer walls to keep the cold out
  • Check to see that your garage door and other exterior doors are closed
  • Open hot & cold faucets to a slow drip
  • Seal any leaks or cracks that allow the cold air in
  • Keep kitchen and bathroom cabinet doors open to allow heat to reach un-insulated pipes near exterior walls (remove any household cleaners and chemicals out of the reach of children)
  • Know the location of your internal shut off valves in case a pipe bursts or leaks
  • If you are going away, shut off the water supply line to your washing machine
  • Drain and shut off all outside spigots
  • Mark the shut off to the main water supply line so it can be easily identified
  • If you are going way, set the thermostat to 60 degrees
  • Have someone check on your house when you can’t be there
  • Use a temp-controlled thermal convection powered hot water recirculation valve
  • Use a product called ICE LOC which prevents pipes from rupturing by taking up the expansion of the frozen water
  • Use a RedyTemp, a device which utilizes an internal water contacting temperature probe to monitor the temp of the water inside the pipes

Having done all you can, you still may find it was not enough and your pipes have frozen.  Now what?  Here are a few options to try:

  • To thaw a frozen pipe, first check the pipe for  the area where frozen
  • Heat the area around the frozen part with an electric space heater, a hand-held hair dryer, or a heat lamp with a reflector to prevent a fire.  NEVER use a blow torch or open flame!
  • DO NOT use electrical appliances in or near standing water
  • If there is flooding, turn off the main water valve and call 911

Should you find that in spite of your efforts, the pipe remains frozen, keep the faucet(s) open and call a plumber immediately.

You can find more information, pictures, diagrams, step by step instructions and video at:   http://www.wikihow.com/Prevent-Frozen-Water-Pipes

Should you have a claim from a frozen pipe or have a question, you can call us at 508-620-6200 or email us at info@fittsinsurance.comYou can also put a claim in directly by contacting your company.  Claims information for your company can be found on our website: www.FittsInsurance.com.

Christmas Tree Safety

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Tis the season to remind everyone about Christmas Tree safety.  Take a look at this video Christmas Tree Fire Comparison  showing a comparison between a real tree that has been watered daily and one that has not.  Then check out the safety tips below for picking not only a beautiful tree, but a safe tree! 

Seasonal Tasks and Preps

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CWF.Lakeview cem 1 10.15Each season comes with joys, events and a list of things to do while it’s here.  Fall is no different with its beautiful colors, fairs, harvest bounty, Thanksgiving, as well as changing temperatures, hurricanes, tornados, early freezes and the ever possible nor’easter with howling winds and driven snow. The gardens must be closed, outdoor equipment put away and the house gotten ready because we know winter is not far behind.  For us hardy New Englanders, we take these changes in stride; after all, we have chosen to live here. (Though after last winter, we are asking Santa for a milder winter and are praying to the weather gods for mercy this year!)Roof Ice

While we would love to be able to help ALL of you with your fall and winter tasks and then share a favorite beverage, the best help we can offer is our insurance expertise in the form of information and education about insurance coverages that can help when even the best preparations fail.  That is what this newsletter, the monthly emails, our Facebook posts and mailings are all about.  We can’t call and personally speak to ALL our insureds on every topic, so we use the other avenues available to us to keep you informed.  We promise that we will be here if you call us with questions or need more information or a quote on coverages.

 So here are some seasonal tasks that are good loss control measures and may help you avoid a claim:

  1. Clean gutters well & make sure they’re working.  Nothing grows an ice dam like a clogged gutter!
  2. Chimney and furnace cleaning make for more efficient heating and help avoid puff backs.
  3. Trim trees and bushes near the house.  Wind & snow can make them bang against the building.
  4. Service your car, do winter preps, check tires, fluids and have an emergency kit in the trunk.
  5. Tune up winter equipment – snow blowers, chainsaws, and drain summer equipment properly.
  6. Have your rock salt, snow rake, shovels in place or easily accessible.
  7. Check for good weather seals around your windows and doors.  Reseal any cracks.
  8. Check your policy if you are hosting a party.  Make sure Host Liquor Liability is included so you will be covered should any of your guests get too “merry.”
  9. Cyber Liability is not just a new coverage – it is a necessary coverage with all the media devices that carry our information.  Adopt early; don’t wait till you are hacked.
  10. If you will need a generator should the power go out, NOW is the time to buy one.
  11. Make a reasonable budget for holiday giving and keep track of spending and NO GOING OVER!
  12. Change your passwords on all your devices and digital accounts to help prevent hacking.

Tis the Season: Hail and Wind Claims

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Hail Stones Sciencekids.co.nzThe recent storms have generated increased hail and wind claims.  For these and for future reference when dealing with property (home, auto, landscaping) repairs, we want to put some light on activity we are hearing about so that you don’t become a victim.

Hail events in the past have led to homeowners being visited by roofing contractors and company sales representatives; many of whom are from out of state. These contractors swarm affected neighborhoods, going door to door and leaving promotional fliers, cards and brochures at residents’ doorsteps. The company representative may offer to inspect the roof for hail or wind damage, repair the car dings and dents caused by hail or clean up and trim trees harmed in the storm.

Please be careful about any company that uses door to door sales tactics and please be cautious about allowing unsolicited contractors access to your home. Our best advice: if you did not call them, do not let them on your roof, in your car, or in your yard.  If they are not insured and they fall, you are liable.

If you are concerned about the potential for hail damage to your roof, look around your property. Hail does not only impact the roof. Is there damage to the shrubs, tree leaves, siding or vehicles? If not, damage to the roof is highly unlikely. If you are still concerned and wish to report a claim, call us and we will advise how your company will be handling your type of claim.

Hiring a local, well established, licensed contractor is the optimal solution should damage exist. Please make sure all estimates and contracts are in writing and NEVER pay up front for work to be completed.

 

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Fitts Insurance Agency, Inc.

2 Willow Street, Suite 102

Southborough, MA 01745

 

888-697-6542

508-620-6200

(f)508-481-0227

www.FittsInsurance.com

www.facebook.com/fittsinsurance

https://twitter.com/fittsinsurance

 

Be Prepared For Volatile Spring Weather With a Home Emergency Kit

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Heavy rains, floods, hurricanes and tornados can all threaten your home and family this spring. While no amount of preparation prevents volatile spring weather, a home emergency kit helps you prepare to be safe and survive.

Survival Essentials

A warm blanket, spare set of clothes and matches could make the difference in your survival. Pack these and all other essential supplies you might need in an airtight container that’s easily accessible.

Food and Water

The Red Cross suggests families store two weeks’ worth of food and water, which means you’ll need one gallon of water per person per day and a variety of easily prepared, non-perishable foods. Don’t forget to stock baby and pet food if necessary, too.

First Aid

Minor bumps and bruises can occur as your family rushes to safety. Your first aid kit should include basic first aid supplies like bandages, antibacterial cream, burn cream and pain reliever. Pack prescription medications, hearing aid batteries and other specialized medications if needed.

Hygiene Items

Toilet paper, toothbrushes and diapers are essential. Hand sanitizer and bleach should also be included in your emergency kit.

Stay Connected

You’ll want to stay connected to the outside world and signal for help, so include a battery-powered radio, extra batteries, your cell phone and chargers in your emergency kit. A flashlight and whistle for each person is also a good idea.

Tools

Whether you have to dig out of the basement or open a soup can, tools come in handy. Stock a multipurpose tool, work gloves, scissors, shovel, screwdriver set, hammer and manual can opener in your kit.

Important Papers

In the rush of an evacuation, you may forget to grab your purse or wallet. Copy important papers like your driver’s license, birth certificate, insurance policies and medical information. Store them, extra cash and your family’s emergency contact information in a waterproof bag to keep them safe.

This home emergency kit will play a big role in keeping you safe when volatile spring weather strikes. Update your insurance policies, too, as you stay protected and prepared.

Five Effective Landscaping Tricks That Protect Your Home From Burglars

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Roughly two million burglaries occur each year. Protect your home and family when you implement five landscaping tricks that don’t compromise your home’s exterior appearance or value.

1. Place Hostile Plants by Entryways Burglars typically target easily accessible windows and doors. By placing hostile plants loaded with thorns, briars and brambles near these entryways, you discourage potential burglars. Several hostile plants to consider include roses, holly, raspberries, bird’s nest spruces, needle bushes and Spanish bayonet.

2. Trim Shrubbery Near the House Overgrown shrubs, bushes and flowering plants look untidy, and they give burglars plenty of places to hide. They also prevent neighbors and anyone on the street from seeing suspicious behavior near your home. Protect your home when you keep shrubbery trimmed to lower than three feet tall all along the exterior of your home. Remember to trim plants away from the sides of your home too.

3. Use Noisy Ground Cover Burglars try to be as quiet as possible, but noisy ground cover around your windows and doors alerts you to their every move. Pea gravel or other crunching stones do the trick, and you can find these burglar deterrents in colors that match your existing landscaping.

4. Install Short Privacy Fencing Tall fences and tree barriers increase privacy, but they also obscure burglars. Install short fencing with an open design instead. If you already planted trees or shrubs, trim them so that the canopy starts at eight feet or higher off the ground.

5. Turn on the Lights Most outdoor landscaping includes lighting of some sort. Opt for strategically placed motion-activated lighting as you reduce your chances of being burglarized. Place these lights near all your doors and windows and along pathways. They frighten burglars away and warn you when someone walks near your home.

Your home’s landscaping adds beauty and value to your property. It also deters burglars. Talk to your insurance agent today and discuss additional landscaping tricks that deter burglars and protect your home.