{"id":2068,"date":"2021-05-08T20:36:05","date_gmt":"2021-05-09T00:36:05","guid":{"rendered":"https:\/\/vps.gsltechnologies.com\/~guthrieinsurance\/?p=2068"},"modified":"2022-09-02T16:42:46","modified_gmt":"2022-09-02T16:42:46","slug":"home-insurance-loss-prevention-and-woodstoves","status":"publish","type":"post","link":"https:\/\/guthrieinsurance.com\/wp22\/home-insurance-loss-prevention-and-woodstoves\/","title":{"rendered":"Home Insurance &#8211; Loss Prevention and Woodstoves"},"content":{"rendered":"<p><span data-verified=\"redactor\" data-redactor-tag=\"span\"><strong data-redactor-tag=\"strong\">Wood Burning Appliances \u2013 Wood Stoves <\/strong><\/span><\/p>\n<p>With Covid19, this winter we will be more homebound then ever before. Those cold winter nights are more pleasant with the warmth, scent and sound of a fire safely crackling nearby. With the expected resurgence of wood stoves and fireplaces, we need to be vigilant in keeping these fires friendly, your family safe, and Ontario Home Insurance premiums as low as possible. With some simple precautions and proper maintenance, you can protect yourself and your family and reduce the risk of a home fire. Here are some helpful tips:<\/p>\n<p>\u2022 Important: Advise your broker or insurance company of have a woodstove or plan on having one installed. Failure to do so could have very adverse affects in the event of a major fire loss.<\/p>\n<p>\u2022 Ensure there are no combustibles near the fireplace or woodstove. All stacked wood, furniture, newspapers, clothing, etc. should be at least 4ft away from the unit.<\/p>\n<p><span data-verified=\"redactor\" data-redactor-tag=\"span\">\u2022 For fireplaces, ensure the damper is fully open before starting a fire.<\/span><\/p>\n<p>\u2022 For wood burning stoves, follow all manufacturer operating instructions, maintenance guidelines and recommendations.<\/p>\n<p>\u2022 Use seasoned woods only (dryness is more important than hard wood versus soft wood considerations). Use of the proper wood is your best safeguard against an accumulation of creosote, an oily substance that derives from incomplete combustion, on the lining of the chimney flue. A spark can ignite creosote and cause what can be an extremely hot and dangerous fire.<\/p>\n<p>\u2022 Never burn wrapping paper, construction scraps of treated or painted wood, cardboard boxes, trash or Christmas trees in your fireplace or wood stove.<\/p>\n<p>\u2022 To prevent sparks from landing on floors or furniture place a metal screen in front of open wood burning fireplaces.<\/p>\n<p>\u2022 Never leave your fire unattended.<\/p>\n<p>\u2022 Keep a fire extinguisher handy, ideally within sight, and make certain everyone knows how to use it.<\/p>\n<p>\u2022 Disposal of ashes should be in an Underwriters Laboratories Canada (ULC) listed metal container taken outside.<\/p>\n<p>\u2022 Consider installing a stovepipe thermometer on your woodstove so that you can monitor flue temperatures.<\/p>\n<p>\u2022 Have your unit and chimney cleaned and inspected annually by a Wood Energy Technology Transfer (WETT) Certified inspector.<\/p>\n<p>\u2022 Above all, never douse gasoline, kerosene or other flammable fluid on wood to get a quick fire<\/p>\n<p>\u2022 Follow all inspection report recommendations and keep reports for future reference.<\/p>\n<p><span data-verified=\"redactor\" data-redactor-tag=\"span\">Between annual inspections things to look for are: <\/span><\/p>\n<p>\u2022 Cracks in the interior of the firebox.<\/p>\n<p>\u2022 Worn or damaged insulation cords on wood stove doors.<\/p>\n<p>\u2022 Discoloured, damaged or missing flue or rain caps.<\/p>\n<p>\u2022 Dark staining on the outside of your chimney could be creosote build-up. This may require chimney cleaning.<\/p>\n<p>\u2022 Cracked, broken or collapsed flue tiles.<\/p>\n<p>\u2022 Warped metal on the damper, metal smoke chamber, connector pipe or factory-built metal chimney.<\/p>\n<p>\u2022 Cracks in the exterior masonry chimney.<\/p>\n<p>If any of these problems are observed, discontinue using your unit and have in inspected. Nobody wants to suffer through the catastrophe, the injury or death, and the misery of a major claims under an Ontario home insurance policy. Loss prevention helps everyone.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Wood Burning Appliances \u2013 Wood Stoves With Covid19, this winter we will be more homebound then ever before. Those cold winter nights are more pleasant with the warmth, scent and sound of a fire safely crackling nearby. With the expected resurgence of wood stoves and fireplaces, we need to be vigilant in keeping these fires [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3945,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[26,3,30,31],"tags":[109,38,110,111],"class_list":["post-2068","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-insurance","category-home-owners-insurance","category-personal-insurance","category-private-client-services","tag-fireplaces","tag-loss-prevention","tag-ontario-home-insurance","tag-wood-burning-stoves"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Home Insurance - Loss Prevention and Woodstoves - Guthrie Insurance Brokers Ltd. 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