Past News Issues
   
  DECEMBER/JANUARY 2006
 

  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).
 

 

   

 


 

 

 

 

 

   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.

OccurrenceVisiting 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.

 

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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