February 13, 2014
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Health Insurance Update. 
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In This Issue
Wood Stove Safety
Insurance Insurance Facts
Your Agent Steve Davis

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Columbia River Insurance Services is a professional agency dedicated to providing our clients with the best insurance protection and service possible. We will strive to use the industry's most superior products while maintaining affordability.

 

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11300 NE Halsey St  Ste. 202 97220
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Is the Winter Weather causing you to Burn Lots of Wood?

 

The past few months have been very cold for our community, and that means higher than normal heating bills. Many people turn to wood as a source of heat. If you use a fireplace or wood stove to heat your home, there are a few safety risks of which to be aware.

 

To help you avoid the risk of a chimney fire, here are ten tips for wood-burning fireplace maintenance courtesy of the DIY Network:

  • Have your wood burning fireplace inspected and cleaned by a professional chimney sweep at least once a year and more often if creosote builds up on the chimney walls rapidly.  
  • Your chimney has a cap with open sides usually covered with mesh to keep rain, birds, squirrels, other animals, and debris from entering the chimney. The cap should be inspected regularly and replaced when necessary.
  • Check the interior of your wood burning fireplace's chimney for creosote buildup.
  • Also watch for soot buildup in the chimney of your wood burning fireplace. Soot is softer than creosote, flammable, and should be cleaned out of the chimney regularly.
  • If possible, burn hardwoods like maple, oak, ash, and birch.
  • Anytime there is smoke indoors from your wood burning fireplace, troubleshoot and immediately correct any problems that you find. 
  • To ensure wood burning fireplace safety, consider installing a stainless steel liner that will withstand even the highest temperatures and will keep the fire and its embers contained.
  • To improve your wood burning fireplace's efficiency, consider installing heat-proof glass doors to protect against heat loss and a fan or blower to direct the heat into the room. 
  • Clean your wood burning fireplace's interior, including its floor, regularly. Sweep out or vacuum up cold ashes. Wear a dust mask and gloves when cleaning the fireplace.

Finally it is also a good time to have review of your home and auto insurance policies. Call us today and let us provide a free quote. 

 

 

These Insurance Facts Will Cause You to Think

 

Insurance can be confusing to many people. But here are few interesting facts to get you thinking about your insurance program. We can offer the right combination of pricing and coverage on your home, auto, and boat insurance

  • There were over 26,000 arson fires in the U.S. in 2013.
  • In 2013, 42,658 wildfires burned over 6 million acres in California, North Carolina, Oregon, Montana, Texas, Utah and Arizona.
  • Hail causes about $1 billion dollars in damage to crops and property each year.
  • There were over 2,000,000 home burglaries in 2013.
  • One third of consumers believe they do not have enough life insurance.
  • 721,000 autos were stolen in 2103.
  • Winter storms caused $1.9 billion dollars in insured losses in 2013.
  • Did you know that if the price of gold goes up, you may need to increase your insurance on your jewelry?
  • Identity theft claims increased over 18% in 2013.
  • 21% of fatal auto accidents were caused by driving too fast.
  • According to the National Fire Protection Association, in 2012, on average, a fire department responded to a fire every 23 seconds in the United States.
  • Most homeowners insurance does not cover flood damage. Just a few inches of water from a flood can cause tens of thousands of dollars in damage.
  • The average renter paid about $200 for insurance in 2013.
  • Under heath care reform, the relatively sick will find it easier and less expensive to obtain insurance. The healthy will pay more as a result.
  • There were about 4,600 boating accidents reported in 2013. 462 occurred in Texas.
  • Alcohol was the largest human factor in boating deaths in 2013 (17 percent of boating fatalities), causing 140 deaths in 368 accidents and resulting in 313 injuries.
  • There were 3,020 distraction-affected fatal crashes in 2013. Turn off your phone!

We hope this has given you a chance to think about your home, auto, boat, motorcycle and business insurance needs. Please call us today and let us help you sleep better at night, knowing you are better protected.