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DECEMBER/JANUARY 2006 |
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PREVENT WINTER
FREEZE-UPS
The following are simple steps for
the homeowner to take to help prevent broken pipes
due to freezing and resulting water damage to your
home:
On an extremely cold day---
- Maintain higher than
normal temp-eratures (3-4 degrees).
- Turn on your faucets and
let the water trickle constantly.
- Open cabinet doors under
the sinks. This will allow the heat to warm
the pipes.
- Insulate pipes-Insulation
goes a long way toward preventing
freeze-ups.
- Your exterior faucets
used for your garden hoses should be shut
off from inside your basement and left open
(even if you have freeze-proof sill cocks).
If the house has forced
hot water heat and may be unoccupied at times
during the winter months---
- Set the thermostat no
lower than 60 degrees. Install a low
heat alarm.
- Shut off the water at the
water meter.
- Have a plumber install a
low water cut off switch on forced hot water
boiler.
- Heat tape the water meter
and water service, unless the water meter is
plastic. If plastic, heat the meter and
service area.
- Leave all faucets open,
fill heating system with anti-freeze.
- If heated by oil install
a low oil alarm.
- Have the house checked
once a week.
If
your house is not occupied during the winter
months---
- Have the water service
shut off in the street and remove the meter.
- Drain all domestic water
lines, leave faucets and drain valves open.
- Drain all heating lines,
leave all drain valves open.
- Drain boilers and hot
water heaters, and leave drain valves open.
- Drain plumbing fixtures,
add antifreeze to all traps.
- Shut off gas server at
meter.
- Have house checked
weekly.
Additional
Tips
---Check and replace washing
machine hoses annually.
---Water heaters, safety
valves and washing machines that are located
above the first floor or in a finished basement
should have drain pans.
---Know where your water meter
and shut-off valves are located. (Make sure the
valves work by turning then on and off at least
a couple times a year).
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Umbrella
Policies
What
is an umbrella? An umbrella (Personal or
Commercial) is an additional layer of liability
coverage. It pays when your homeowner, auto or
business liability policies are exhausted.
Think
big losses can’t happen to you? You don’t have to
be a millionaire to be sued like one.
Occurrence:
The driver of a delivery truck attempts to pass
a vehicle. During the pass, the truck collides with
another vehicle.
Result: Verdict of
$20,625,000 for brain damage suffered by a
passenger in the other vehicle.
Occurrence: A
10-year-old child falls 20 feet onto a concrete
floor when the railing in a shopping center
collapses.
Result: Award of
$14,760,000 for injuries to the child’s spine,
rendering her a paraplegic.
Occurrence: Visiting
child’s clothes catch fire at birthday party.
Result: Verdict of
$2,500,000 for scarring and emotional distress.
Call Mass One today
to obtain a quote for this beneficial coverage.
***********************
GROUP
INSURANCE DISCOUNTS FOR EMPLOYEES OF LOCAL BUSINESSES AND
MEMBERS OF
ASSOCIATIONS:
Greenfield Savings Bank
Lunt Silversmiths
Bete Fog Nozzle
Greenfields Market
Mass Society of Certified
Public Accountants
AAA
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