Monday, January 27, 2020
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Wednesday, 01 May 2019 13:51

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.

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


Friday, 15 March 2019 14:56

Claim's FAQ

Want to be prepared in case you ever have to submit a claim? Read these frequently asked questions below. As always, feel free to call our claims department should you need to submit a claim or if you have any questions. 


Q: This is my first claim. What should I do?

A: If you have a claim, or if an event has occurred that could give rise to a claim, contact your insurance agent immediately. The agent will help you fill out the necessary paperwork to expedite your claim. Also, at this time, you should discuss with your agent how you might preserve and protect the damaged property to mitigate further damages. To find your agent’s telephone number, please look on your Otsego Mutual policy.


Q: Is this covered under my policy?

A: Please refer to your declaration page along with the policy forms/endorsements. If you need a copy of your policy information feel free to contact your agent or an Otsego Mutual representative. If you have any additional coverage questions please contact Otsego Mutual claims department.


Q: Does my deductible apply to every claim? How do I find out what my deductible is?

A: Yes, however with some exceptions - to inquire contact our office. To find out the amount of your deductible, please refer to your declaration page. The deductible will be listed directly under "Property Coverages". 

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