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Woodstove Safety



Protecting Your Home

With 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.

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Fire Prevention & Safety

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.

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Sidewalk Talk

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.

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Documenting Your Possessions After A Loss

Your worst nightmare has just happened! You’ve had a fire or been robbed. Can you document what was stolen or destroyed? The insurance company will ask you to do just this and it’s your responsibility to prove what you lost and its value.

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Dryer Vents

Clothes dryer fires account for 15,600 structure fires annually. Improperly maintained dryers can be the source of fires. Fires, casualties and injuries could be prevented with proper awareness and good practice regarding dryer maintenance and safety precaution.

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Fire Extinguisher Facts

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.

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