Homeowner's Insurance

Time to Check Your Fire and CO Alarms

Another handy-dandy safety-related blog post from Maple and Main Realty! Fire safety is no joking matter. Many of us New Englanders have back up heating systems such as wood-burning stoves, pellet stoves, fireplaces, and the like - all of which come with the need for proper maintenance. As we hunker down for the winter, it's imperative that your house be as fire-safe as possible. Proper disposal of live ashes from fires, making sure your chimney has been swept recently, making sure your furnace and/or boiler have been recently serviced, checking on batteries in your fire and CO alarms, etc. All of these measures should be on your pre-winter to-do list. The following article is a repost from a recent piece in the Daily Hampshire Gazette about fire safety concerns.

Home fire safety concerns increase with cold weather

  • A Greenfield Fire Department engine at a fire. File photo/Shelby Ashline

By TOM RELIHAN
For the Gazette
Thursday, October 06, 2016

It’s getting colder, and that means we’re looking for ways to keep warm.

So, it’s a good time to think about protecting the home from fires, which increase in Massachusetts during the winter months.

The state Department of Fire Services has some tips.

Next week is Fire Prevention Week, according to DFS spokeswoman Jennifer Mieth, and this year’s theme is “Don’t Wait, Check the Date.”

She’s talking about smoke alarms and carbon monoxide detectors. They’re the two devices that homeowners rely on to warn them when a fire has broken out, or when colorless, odorless carbon monoxide is building up. “You should replace smoke alarms every 10 years — the sensing technology degrades over time, and you may not be able to rely on it when you need it the most,” Mieth said. “Even if you put new batteries in and hear that beep, it still might not detect smoke.”

Recently, a grant program in Lynn to install new detectors saw officials finding one more than four decades old in a home. Lack of smoke detectors in general led to numerous fatal fires last year, Mieth said.

The Department of Fire Safety is also running its “Keep Warm, Keep Safe” campaign this time of year, as residents begin turning on the heat. 

Mieth said it’s important to regularly have your furnace inspected by a licensed professional.

“A clean, efficient furnace is cheaper to run and less likely to cause problems,” she said.

Heating systems are also the leading source of carbon monoxide in the home. Mieth said its important to have working CO detectors, and they need to be replaced even more frequently than smoke alarms — most only last five to seven years, unless it’s a newer model rated for up to 10 years.

If heating by wood, regular cleaning of your chimney by professional is crucial. Accumulated material in the chimney is the leading source of chimney fires, and cracks along the shaft could let fire contact the building’s main structure.

When disposing of the fire’s ashes, Mieth said, a metal container with a lid, stored outside, is the only safe way to do it.

“Do not put them in plastic recycling containers. Do not put them in paper or plastic bags,” she said. “Don’t store them under on the breezeway. Put them outside in a metal, lidded container. You touch the ashes and they may seem cold, but single embers can stay hot for a long time.”

When the winter chill really sets in and furnaces have a hard time keeping up, many people turn to space heaters to keep toasty. But Mieth said it’s important to know how to operate them safely.

They should always have a three-foot “circle of safety” around them, free of anything that can catch fire. Also, don’t use extension cords –— Mieth said extension cord failure is the most common cause of space heater-related fires.

“Any heat-generating device draws a lot of electricity, and if you’re not using the right kind of cord that can be really dangerous,” she said.

Tom Relihan can be reached at trelihan@recorder.com.

 

Homeowners' Liability and Coverage Can Extend Beyond the Home.

We just got a new puppy.  She has A LOT of energy - and she can jump!  Having been taken down by a darting dog at the dog park in Northampton, MA just a couple of years ago myself - I can just see our girl Charlie inadvertently doing the same thing to some poor, unsuspecting dog park patron.  Luckily, when this happened to me, I was sore and stunned, but not injured.  I'm not sure whether most home insurance policies cover pet-related incidents, but, as realtor and a homeowner, I was interested to come across this article on the BusinessWest blog about how homeowners' insurance can cover certain incidents outside of the home as well as in the home.

Homeowners' Liability Often Extends Beyond the Home

By JOHN E. DOWD Jr.

One misconception about homeowners' liability insurance coverage is that it covers only incidents in the home. In actuality, the comprehensive personal liability (CPL) coverage under a homeowners' insurance policy is really not associated with any location, other than the limitations and exclusions on the policy.

Here are some examples of what probably would be covered by CPL:

o Sports incidents: for example, you are playing golf and you drive a ball that hits someone in the head and disables them. If you are found liable, as long as you were not doing it professionally, your policy will likely provide coverage.

o After shopping at your local market, you accidentally drop a bottle of olive oil in the parking lot, and it shatters and bleeds the oil onto the pavement. Another shopper comes along, slips, and seriously injures herself on the pavement. While the assumption is that the injured party will take action against the market, the typical practice of attorneys is to go after everyone associated with the incident.

o You are on vacation at a hotel, and you are so excited to leave the room to enjoy a sightseeing tour that you forget to turn off the faucet. The running water causes significant damage to the hotel structure. The hotel decides to go after you for damages. Your CPL will defend you and may pay out damages if you are deemed liable.

o Your kid lends his skateboard to a friend, and the friend, who may not be experienced with the skateboard, gets seriously injured trying to make a maneuver. Parents can be held liable for this injury, and there is a very good chance this will be covered by the CPL coverage.

o If your dog bites a stranger at the park, your CPL will cover you as the owner and responsible party for the dog, as long as the policy does not exclude coverage for your dog breed. Some homeowners policies exclude coverage for breeds deemed dangerous, such as pit bulls.

Additionally, the CPL coverage will usually extend coverage for the following items, even if an incident happens away from the insured premise:

o Trailers that are not attached to a motor vehicle;

o Motorized golf carts;

o Watercraft that does not have a motor or is not more than a specified amount of horsepower;

o Sailboats below a certain length;

o A vacation residence (however, certain conditions may apply, so you also may need to schedule it); and

o Non-motorized bikes.

Here are examples where coverage does not exist and is excluded by nearly every homeowners' insurance policy:

o Your cars, which are clearly excluded if registered for road use. This is exactly why you need to get a separate auto insurance policy;

o Motorized recreational vehicles, especially if they are off the premises;

o Any incident related to business; and

o Intentional acts.

Policies vary, so it is important to review your policy to see what may be covered and what may not be covered. Additionally, some policies allow you to endorse a coverage that may not be on the policy. This is why it is so important to sit down with your agent to address additional risks you may have and make sure coverage for those risks is addressed.

Liability coverage is perhaps the most important coverage you should have, simply because most of these cases involve attorneys, and if coverage exists, the insurance companies provide for your defense, as well as any settlement up to the limits of your policy. Again, an annual review of your personal risk exposure with your agent is essential. It could be a very short conversation with your agent from year to year if nothing has changed in your life, but more often than not, changes do occur that could expose you unnecessarily to a potentially uninsured loss exposure. Ignorance is never a good defense.

One thing that you should carefully note is that, if you are involved with any activity where you charge a fee of some kind, there is a good chance that the insurance company will deem this to be a commercial exposure and will therefore not cover the activity under your CPL. Your agent or broker is always available to answer these questions, and you should never hesitate to put him or her on the spot.

Discover recent real estate listings in the Northampton, MA area here. For more information. any real estate needs, or to schedule a showing, contact us today!

via Cover Story | BusinessWest.