There are four types of fire extinguishers and each one is designed for a different class of fire. In the previous fire extinguisher post, I mostly was talking about Class A and Class B fire extinguishers because those are the types of fires more commonly found in the home.
Class A extinguishers are designed to [...]
Do you have a fire extinguisher in your home? According to the US Fire Administration of FEMA, there were over 3600 civilian fire deaths and nearly 18,000 civilian fire injuries in 2005, 83% of those deaths occurred in homes. Direct property loss as a result of fire was estimated at around $10.7B! (stats) Those statistics [...]
There are two things you need to know with respect to fire and smoke detectors:
Double check them at least once every two weeks.
Don’t use rechargeable batteries.
You should double check your fire and smoke detectors every week, there is usually a button that you press to make it either flash or beep, because batteries are known [...]
It appears that Allstate will no longer be writing homeowners insurance policies in the state of California starting in July of 2007 in an attempt to limit their exposure to catastrophes like earthquakes, mudslides, and wildfires (Allstate no longer offered earthquake insurance). They say it has nothing to do with their request to increase premiums [...]
The official start of the hurricane season hasn’t even started, that’s June 1st, but the first storm has been named Andrea and it’s a mere Subtropical Storm off the Carolinas. What does this mean for you from an insurance perspective? That it’s never too early, or late, to begin making sure that your insurance coverage [...]
The real reason why most people visit this site is so that they can figure out how to reduce their homeowners insurance premiums, there isn’t much more to insurance than understanding your policy and figuring out how to get it for as cheap as possible. So, when the latest Problogger contest appeared, I figured I’d [...]
Ever hear the term “100-Year Flood Plain” or “50-Year Flood Plain” and wasn’t sure what it meant? It means that when flood maps are produced for a certain area, a place determined to be in a 100-year flood plain is expected to be flooded once every one hundred years. A 50 year flood plain means [...]
If you want to see what’s happening on the ugly side of homeowner’s insurance, Louisiana is the place to go because a lot of the ugliness came out after Hurricane Katrina. Insurers were happy to take the premiums but were a little more stingy when it came to payouts, which is totally understandable. Flood insurance [...]