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Safety Tips

Safety Tips (5)

Wednesday, 01 May 2019 13:51

Fire Extinguisher Facts

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Did you know there are EIGHT different types of fire extinguishers? And when do you use them?


In order to know when to use each fire extinguisher, you should know the five different types of fires.

Class A– Fire started with wood, paper, cloth

Class B– Fire started with combustible liquids such as gasoline & paints

Class C– Electrical fires

Class D– Fire started by flammable metals such as sodium or potassium

Class K– Kitchen fires


Types of Fire Extinguishers

  • Water & Foam – Take away the heat element. Foam extinguishers will separate the oxygen from the other elements. Used for Class A fires only.
  • Carbon Dioxide— Take away the oxygen element & remove the heat with cold discharge. Used for Class B & C fires.
  • Dry Chemical—Interrupts the chemical reaction of the fire. Used for Class A, B & C fires.
  • Wet Chemical—removes heat from the fire & creates a barrier between the oxygen & fuel elements. Used for Class K fires.
  • Clean Agent—the extinguish the fire by interrupting the chemical reaction or remove heat from the fire.. Used for Class A, B & C fires.
  • Dry Powder—Similar to Dry Chemical, Dry Powder extinguishers separate the fuel from the oxygen. For Class D fires only.
  • Water Mist—Take the heat element away from the fire. Used for Class A fires.
  • Cartridge Operated Dry Chemical— Primarily interrupts the chemical reaction of the fire. Class A, B & C fires

Please remember that fire extinguishers have limitations– the most important thing is to make sure everyone gets out safely and you call 911.


How to Use a Fire Extinguisher

Remember the phrase PASS

Pull the pin at the top of the extinguisher which will break the seal

Aim the nozzle toward the base of the fire

Squeeze the handle slowly

Sweep the nozzle from side to side


Monday, 08 August 2011 18:37

Dryer Vents

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Clothes dryer fires account for 15,600 structure fires annualy.

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Friday, 27 May 2011 13:17

Sidewalk Talk

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Many homeowner liability insurance claims arise from defective sidewalks. Otsego Mutual, as part of its inspection process, makes an attempt to determine if the sidewalks of our insureds need updating or replacing. In some cases the company may require an insured or prospective insured to repair or replace a defective sidewalk.

Although a homeowner may feel their sidewalk is defect free and poses no danger to pedestrians it takes as little as a ½” difference in elevation between one flag and the next to cause a possible tripping hazard.

The following photos show defective sidewalks which are not only unsightly, but could be hazardous to pedestrians:
Friday, 27 May 2011 13:14

Woodstove Safety

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Protecting Your Home

woodWith the ever-increasing cost of home heating, more and more energy conscious people are installing wood stoves. An undesirable result has been a corresponding increase in the number of wood stove and chimney fires. In fact, over one-half of the one-and two-family dwelling fires in rural and suburban areas are caused by wood fuel use.

Burning wood requires more work and attention than simply adjusting a thermostat. To reduce the chances of having a fire in your home, follow the recommendations in the Woodstove Safety pamphlet below on proper selection, installation, maintenance and operation of a wood stove.

Friday, 27 May 2011 11:58

Fire Prevention & Safety

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House fires are devastating. The overwhelming sense of loss caused by fire, smoke and soot are traumatic. In many cases fires can be prevented, however, even the most safety conscious efforts can't prevent the unexpected.

The following safety tips can help you prevent or escape the devastating effects of a house fire:

1) Fire Extinguishers

Place fire extinguishers on all levels of your home, especially areas where there's the greatest risk for a fire – the garage, kitchen and basement.

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