Tips to protect your home from severe weather

<h2 style="margin: 10pt 0in 0pt"><font size="3" color="#990000">Tips to protect your home from severe weather</font></h2><p><span style="line-height: 200%; font-family: ‘Verdana’,’sans-serif’; letter-spacing: 1pt; font-size: 10pt">(ARA) – When people think of winterizing their homes, most often their heating bills spring to mind – along with insulation and weather stripping. The winter months bring not only high energy bills, but also an increased chance of certain kinds of damage to your home and its contents.</span></p><span style="line-height: 200%; font-family: ‘Verdana’,’sans-serif’; letter-spacing: 1pt; font-size: 10pt"><p style="margin: 0in 0in 0pt" class="MsoNormal">A few precautions can help protect you from serious losses and disruptions this season.</p>  <p style="margin: 0in 0in 0pt" class="MsoNormal"><strong>Indoor floods</strong></p><p style="margin: 0in 0in 0pt" class="MsoNormal">While home fires make headlines, water damage is more common and often just as severe. The most frequent cause is faulty or broken pipes. In fact, Fireman’s Fund Personal Risk Consultants see a surge in water damage during the first three months of the year, when pipes are most likely to freeze and burst. Be sure to insulate exposed pipes.</p>  <p style="margin: 0in 0in 0pt" class="MsoNormal">If you leave your home to spend time in warmer climates or even just a weekend on the ski slopes, always leave the heat on in your home and set it to at least 55 degrees. Don’t let high fuel prices tempt you into going lower. The pipes that come in through your foundation or run through external walls can reach temperatures much lower than the setting on your thermostat.<span>  </span>Have someone check on your home while you are away.</p>  <p style="margin: 0in 0in 0pt" class="MsoNormal">A foolproof way to protect your home from broken or leaking pipes at any time of year is to install an automatic water shutoff system. Attached to your home’s main incoming water line, the device senses increased water flow caused by a burst pipe and automatically shuts the system off. Fireman’s Fund Insurance Company recommends the Leak Defense System from Sentinel Hydrosolutions. A 5 percent premium discount is available to policyholders who use this system, so let your insurance agent know if you install one.</p><p style="margin: 0in 0in 0pt" class="MsoNormal"> </p><div style="text-align: center"><object classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,29,0" width="425" height="282"><param name="movie" value="../images/banners/11b.swf" /><param name="quality" value="high" /><param name="menu" value="false" /><param name="wmode" value="" /><embed src="../images/banners/11b.swf" wmode="" quality="high" menu="false" pluginspage="http://www.macromedia.com/go/getflashplayer" type="application/x-shockwave-flash" width="425" height="282"></embed></object></div>  <p style="margin: 0in 0in 0pt" class="MsoNormal"><strong>Chimney and furnace fires</strong></p><p style="margin: 0in 0in 0pt" class="MsoNormal">While fire presents a year-round risk, certain causes of fire occur more frequently during the winter. Chimneys, boilers and furnaces are particular risks. Approximately 25,000 residential fires begin in a fireplace or chimney every year, according to the Consumer Product Safety Commission.</p>  <p style="margin: 0in 0in 0pt" class="MsoNormal">Why so many? Over time, a layer of unburned carbon-based residues (sometimes referred to as fireplace creosote) builds up along the inside walls of your chimney and can eventually catch fire. The solution is to have a trusted, professional chimneysweep clean and inspect your chimney annually.</p>  <p style="margin: 0in 0in 0pt" class="MsoNormal">An annual inspection is just as important for those with furnaces and boilers. And, remember, your furnace room should never be used for general storage. Wood scraps, old books, paint, solvents and other flammable liquids are significant fire hazards and should be removed and stored elsewhere.</p>  <p style="margin: 0in 0in 0pt" class="MsoNormal"><strong>Ice dams and old trees</strong></p><p style="margin: 0in 0in 0pt" class="MsoNormal">Snow and ice storms can create a number of potential threats to your home. One of these is ice damming, which occurs in the days after a snowstorm.</p>  <p style="margin: 0in 0in 0pt" class="MsoNormal">Icicles hanging from your eaves, while they may be beautiful, usually indicate that a dangerous ice dam has formed. An ice dam is a build-up of ice that can form at the edge of your roof when snow melts but is blocked from draining. When more snow melts and is trapped behind this ice, the resulting water backup can soak through your roof and cause damage to ceilings, walls and more. The most common causes of ice dams are clogged gutters and insufficient insulation, both of which are easy to remedy.</p>  <p style="margin: 0in 0in 0pt" class="MsoNormal">Mature trees on your property represent another potential hazard during storms. Strong winds or frozen water that covers old branches with a heavy coat of ice can lead to failure and collapse, a clear threat to your home or other nearby structures. Have a trusted horticultural expert take a look at your property’s mature trees and prune or cut down unstable specimens.</p>  <p style="margin: 0in 0in 0pt" class="MsoNormal">For more advice on how to protect your home from winter’s severe weather, visit <a href="http://www.firemansfund.com" target="_blank">www.firemansfund.com</a> .</p>  <p style="margin: 0in 0in 0pt" class="MsoNormal">Courtesy of ARAcontent</p></span>