SERVICES : Personal Insurance WINTERIZE YOUR HOME Nov 20, 2009 by Courtesy of International Risk Management Institute, Inc. With winter fast approaching, now is the time to properly safeguard your home from the harsh elements of this season. These steps can lessen your chances of a loss to your home due to inclement weather. 1. Verify that your furnace is in proper working order by contacting a heating specialist for an inspection. Heating device malfunctions, including supplemental heating devices such as space heaters, are the second leading cause of fire deaths in this country. The heating ducts may also need to be cleaned. Most experts recommend vacuuming these ducts every 5 years. In addition, oil furnaces should be periodically inspected since poorly-maintained ones can cause severe smoke damage. 2. Check your plumbing system closely since burst water pipes can spew hundreds of gallons of water into your home. Heat tape should be used on any pipes that are exposed to extremely cold weather. By all means, learn how to shut your water off and know where your pipes are located. The quicker you can turn off the water supply, the more likely you can minimize damage from burst pipes. If you have a summer home exposed to cold weather in your absence, be sure to have the water system properly drained to keep pipes from freezing or bursting. 3. Replace any cracked or missing roof shingles and verify that flashing around the vent pipes or chimney is watertight. If you have a steep roof or any physical limitations that would make it dangerous to do the repair yourself, a reputable roofing contractor should be used to avoid the risk of injury. The cost of these repairs would certainly be less than the deductible under your homeowners policy should a loss occur. Get more personal lines insurance and risk management tips and ideas from IRMI. Copyright 2009 International Risk Management Institute, Inc.
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Montgomery Insurance and Investments Agency, Inc. is a locally owned and operated independent insurance agency with specialists in personal and commercial insurance, financial services including investments and employee benefits. They have two conveniently located offices in the downtown areas of Jamestown and Xenia.
Left to right: Jim Saner, Eric Montgomery, Brad Montgomery and Roy Montgomery. "Prompt efficient service." - Paul & Edith Calloway DISCLAIMER - Securities and investment advisory services offered through Tower Square Securities, Inc., a member of FINRA / SIPC. Montgomery Insurance and Investments Agency, Inc. is not a registered investment advisor or a securities brokers dealer and has no affiliation with Tower Square Securities, Inc. Eric Montgomery is licensed in AL, CA, FL, GA, IL, IN, MA, MI, MO, NC, OH, VA, VT, WI, WV for the sale of security products. Roy Montgomery is licensed in OH for the sale of security products. Don Cain is licensed in OH for the sale of security products. |
Personal Insurance CONSIDER BUYING EARTHQUAKE INSURANCE OHIO HOMEOWNERS AVERAGE INSURANCE PREMIUM INCREASED SLIGHTLY IN 2007 Commercial Insurance No articles available. Employee Benefits HEALTHY LIFESTYLE TIPS FOR PREVENTING INFECTIONS Financial Services LTCI for EXECUTIVES: THE MISSING LINK FIVE STEPS TO RETIRING ON TIME |
| Xenia: 114 South Detroit Street • Xenia, OH 45385 • (937) 372-7646 Jamestown: 1 West Washington Street • Jamestown, OH 45335 • (937) 675-9321 |
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