safety

How to Safely Heat Your Home

It's an unfortunate face that space heaters, fireplaces and wood-burning stoves cause more structure fires than central heat and hot-water heaters combined. Between 2009 and 2013, the National Fire Protection Association reported that these heat sources caused 72 percent of home heating fires. And fires caused by space heaters led to 84 percent of deaths caused by home heating fires.

This information isn't meant to scare you into closing off the fireplace and stashing the space heater. By all means, keep enjoying them - just keep safety in mind so you can protect yourself, your family and your home against smoke and fire damage.

FIREPLACES

Few things are as nice as curling up in front of a fireplace that uses real logs in the heart of winter. And if you've just spent lots of time in the cold air, the pleasure of basking in a fire's glowing warmth is somehow quadrupled.

The last thing you want is to interrupt your cozy time with a trip to the emergency room or a call to the fire department. With these tips, you can keep the home fires burning while keeping your home and family safe.

  • Before you light the fire, make sure the chimney has some flow. Not taking this step could cause your cozy session to go up in smoke. As you prepare to light the kindling, do this simple test: Open the damper and reach inside the firebox (the place where you light the fire). In the firebox, light and blow out a match. Then, watch where the smoke goes. It should float up and away into the chimney. If it doesn't, you will want to reach out to a chimney inspector to see if there are any issues.
  • Keep the glass door cracked open when the fireplace is in use. Open it just enough to draw air up into the chimney. It should be able to block any sparks from flying out, which can start a fire.
  • Consider cracking open a window in your home. It will improve the airflow
  • Invest in a fireproof mat and place it in front of the fire. Sparks can still escape when you have to reach in and poke around the fire.
  • Establish a 3-foot safety zone around the fireplace. Remind children that running, throwing and horseplay are off-limits.
  • Properly dispose of ashes. Even after the embers die away, the ashes can still hold plenty of heat. If you vacuum the ashes or shovel them into the trash too early, they could still be hot enough to ignite a fire. Either allow the ashes to rest for at least three days before you clean up or dispose of them in a closed metal box outside of your house.
  • Make sure the chimney is well maintained. These guidelines can help keep your chimney in good working order and reduce the risk of fire.

WOOD-BURNING STOVES

A wood-burning stove adds old-fashioned charm to anyhome, especially if you have a cast iron version. They're also great for target-heating a cool space - and some models are also suited for cooking and roasting.

Before you install one, it's worth taking the time to understand how to install, ventilate and use a wood-burning stove. Here are some tips to safely enjoy your stove.

  • Check your stove placement. It should be on a sturdy, fire-resistant base and protective floor covering should extend 18 inches from all sides of the stove.
  • Leave enough space between the stove and the floors, walls and ceiling. The National Fire Protection Association advises that the clearance between the stove and combustible surfaces be at least 36 inches. If you can't get enough space in between the wall and stove, add a protective covering such as sheet metal.
  • Choose the right wood. Use only dry and hard wood that has been seasoned for at least six months. Burning green wood can pose a fire hazard since it leaves an oily substance on your chimney flue called creosote. When creosote accumulates, it can start a chimney fire.
  • Never burn trash in your wood stove.
  • Use paper and sticks as kindling. When the smoke starts drawing up into the chimney, start adding the wood. Never use combustible fluids, such as gasoline, to get the fire going.
  • Crack open a window. This will help the air flow up into the chimney and help prevent the buildup of carbon monoxide in your home. Also, install a fire detector and a carbon monoxide detector in the same room as your stove, and always have a fire extinguisher nearby.
  • Have the chimney cleaned and inspected regularly by an expert.

SPACE HEATERS

Because they are portable and affordable, space heaters are hard to beat when you need extra heat for your home.

Unfortunately, space heaters cause more house fires than any other home heating source. And these fires lead to more deaths. According to the Consumer Product Safety Commission, space heaters are linked to more than 25,000 residential fires a year and more than 300 deaths. Also, 6,000 people a year seek emergency care to treat burns after coming in contact with a space heater's hot surfaces.

Follow these tips and guidelines to safely use space heaters in your home:

  • Consider an upgrade if you have an older heater. Today's models are designed to shut off when the unit tips over, while others are designed to keep surface temperatures no hotter than 90 degrees. If your heater has loose, cracked or damaged cords, plugs or connections, you should stop using it.
  • Put it in a safe place. It should operate on a flat, even and solid surface away from foot traffic and out of doorways. Keep three feet of clearance around the unit and keep it away from any walls and furniture.
  • Turn off the heater when you leave the room.

PORTABLE FIREPLACE

Indoor portable fireplaces cast that warm flickering glow we all love and crave in the winter, without the fuss, expense and maintenance that come with running a fireplace or wood stove.

Another advantage is these portable fireplaces run on ethanol, a renewable fuel that doesn't release carbon monoxide in the air. But they do produce an open flame. As nice as this looks, it's something to be aware of. Here are tips when it comes to using one.

  • As with other portable heat sources, placement is key. Place portable fireplaces on a flat, even and fire-resistant surface that is far away from table edges.
  • Never allow children to operate these units.
  • Only add fuel to the unit when it's turned off. Give it 15 minutes to cool down and wipe up any spills before lighting. Never "top it off" while it is running - the heat could cause the fuel to ignite right in the container.
  • Never move a portable fireplace while it is still hot. Since they are small and easy to pick up, don't be tempted to move a portable fireplace while it is still hot, and especially when it's operating. An accidental burn or a stumble could lead to home damage and injury.
  • Keep kids and pets at a safe distance. Unfortunately, portable fireplaces can easily tip over.
  • Never leave your portable fireplace burning unattended. Before you head out or go to bed, extinguish the flames.

No matter which heating source you use, keep a smoke detector, a carbon monoxide detector and a fire extinguisher in the same room it's in. Set a reminder to test the batteries regularly.

Whether you're using these options to stay warm or just to create some cozy ambiance in your home, it's worth keeping these guidelines top of mind to help keep your family and house safe all winter long.

 

Today's insurance tips and ideas brought to you by ERIE Insurance.

 

6 Reasons that Shouldn't Hold You Back from Buying Life Insurance

What are the real reasons holding you back from getting life insurance? Are you like the majority of Americans who don't have it, but say that they know they need it?

A study by the financial and insurance organization LIMRA shows that 6 in 10 Americans have life insurance - yet 30% of them feel they need more.

Does this ring true for you? If so, maybe it's because of one of these reasons. *

  1. It's too expensive. Cost is the number one reason people don't have life insurance. Yet another LIMRA study shows that 80 percent of consumers think life insurance costs much more than it actually does. Life insurance is probably more affordable than you think - and there are lots of ways to bring the price into your comfort zone.
  2. I have a health condition. The good news is that having a health condition doesn't automatically disqualify you from getting life insurance. If you overcame a serious condition in the past or if you are managing a condition with the help of a medical professional, you can still be covered.
  3. I don't have any kids. There are many reasons people with no children still need life insurance. Just a few include providing for a financially dependent spouse or another family member, having the money to pay for a funeral or being able to pay off a loan that has a cosigner. Life insurance can also help you leave a gift to a religious, educational or charitable organization near and dear to your heart.
  4. I don't work outside of the home. If you stay home to care for kids or other family members, it may take hiring someone to replace all that you do. And that could be pricey. so definitely consider buying life insurance as a way to cover those additional expenses.
  5. I'm not sure what I need. Most people aren't - but we are here to help! Erie Family Life offers options like term insurance that's designed to last for a specific period of time and permanent plans designed to last a lifetime. Your agent can recommend one that works with your life and budget.
  6. I don't have the time. Life is busy, which is why Erie offers e-signature on life insurance policies to make the process easy and convenient. Erie LifeSense can also provide up to $90,000 worth of coverage in about 15 minutes. There are no doctors visits or complicated forms - just a simple application with only a few medical questions.

Life Insurance probably isn't something you want to talk about, but it really is too important to put off. When it comes to life insurance, the only wrong choice is doing nothing at all.

 

Today's insurance tips and ideas brought to you by ERIE Insurance.

  

14 Hacks to Deal with Snow and Ice on Your Car

Even people who love winter do not enjoy one of the season's most unpopular jobs - clearing snow and ice off of their cars.

The good news is that the job can definitely be made easier by following a few rather simple tips. They include:

  • Turning on your front and rear defrosters as soon as you start clearing. If you have a push start, now is the time to take advantage of it!
  • Give yourself more time than you think. This can be a tough job, and you may need a break or two after scraping away at ice for a long stretch of time.
  • Don't pull on frozen windshield wipers! This could TOTALLY ruin them. Instead, use an ice scraper to chip away at the ice and give the car defroster some time to do its job.
  • Avoid hot water! Pouring hot water on ice-cold glass can cause the glass to break. (Plus, the puddle it leaves behind can lead someone to suffer a nasty spill!)
  • Use a proper snow brush. Shovels and other brushes not marketed for safe use on cars can leave behind scratches.
  • Start from the top. Clear snow from the roof and work your way down - clearing the top part of the car later could undo the work you did on the bottom half of the car. And you can't drive around with a roof full of snow anyhow.
  • Consider using a de-icing spray. Commercial-grade sprays can make the job faster AND easier.
  • Blow through a straw to let your breath melt a frozen lock. Another option is to apply a bit of hand sanitizer to your key and the door lock.

Of course, the best way to deal with winter is to park your car in a garage or carport. If that is not possible, try taking these steps beforehand.

  • Place socks over your windshield wipers and pop them up. This will help prevent them from freezing.
  • Put plastic bags over your mirrors. Use rubber bands to secure them into place.
  • Spray a little cooking oil on rubber seals. This will help prevent them from sealing doors shut.
  • Apply ice prevention spray on windows. You can find this at any auto specialty store!
  • Cover your windows. A piece of cardboard, towel or folded sheet can help prevent ice from forming on your windshield.
  • Face your car East. In for the night? Then try to park your car facing East so the rising sun can help melt the snow and ice!

Clearing the snow and ice off of your car definitely isn't the most fun job, but it helps keep you and other drivers safe -- and it might even be the law in your state!

 

Today's insurance tips and ideas brought to you by ERIE Insurance.

Avoid Electric Shock After an Accident

Car accidents are scary. And they can be even scarier if they involve a utility pole that is charged with electricity! Reduce the risk of shock after a vehicle-utility pole crash with these safety rules:

  • If you have hit a pole, stay inside the vehicle and call 911 from your cell phone or yell for help.
  • Never leave the vehicle until a utility line crew arrives to de-energize the line and tell you when it is safe. Keep any passengers inside the car, too!
  • In the rare case of a fire, jump out of the vehicle as far as possible and land with both feet on the ground. Then, shuffle or hop away keeping both feet touching the ground simultaneously.
  • Never touch any downed pole or wire. Always assume energized electricity is running through them.
  • Stay clear from all areas near any downed poles and/or wires - including the ground, a car, tree or rooftop.
  • If you witness a pole accident, or need to repot a downed wire, call your local electric company as soon as possible!

Safety rules provided by Pepco, a PHI Company providing electric service in Washington, D.C., and parts of Maryland.