Daylight Savings Time will soon come to and end, and those of us in the mid-Atlantic region will “fall back” to Eastern Standard Time. You might already know that many homeowners use the time change as a reminder to check their smoke alarm batteries as well. Here at the Daniel C. Howley Insurance Agency, we're all about safety. So we urge you to get into the habit of changing your smoke alarm batteries as you reset your clocks marking the end of Daylight Savings Time to keep your family safe and protect your home from fire and smoke damage. Moreover, this will help you to avoid homeowners insurance claims.
No one doubts the value of a reliable smoke alarm, but just having smoke alarms in your home isn't enough.It is important that they actually work if you are to be protected from fire damage. Optimally, doing a quick check of your smoke alarms each month will ensure that they are ready to sound the warning should you need them. Then, changing the batteries in each smoke detector at least once a year will ensure that they remain fresh and strong.
There are a number of reasons that smoke alarms might stop working . If they have not been replaced in ten years or more, they could fail. More commonly, however, an alarm fails to detect fire and smoke because due to lack of power -- either a dead batter or disconnection from the power source. In fact, the National Fire Protection Association (NFPA) warned in a September, 2015 report that about 3 out of 5 home fire deaths resulted from fires in homes with no smoke alarms or non-working smoke alarms.
It is true that most smoke alarms alert you by beeping when the batteries need to be replaced. But relying on that warning is a bad idea for many reasons such as…
Here at Daniel C. Howley Insurance Agency, we are a full service insurance agency, offering auto/car insurance, homeowners insurance, business/commercial insurance and life insurance to Rockville MD, all of Maryland and Virginia. Our experienced insurance agents welcome the opportunity to discuss your coverage needs and questions at any time.
Are you one of the many that looks forward to Halloween all year. Maybe you start planning months in advance. This spooky holiday is among the most festive and fun-filled. But the National Highway Traffic Safety Administration reports that Halloween is the most dangerous night of the year for kids walking the roadways. So, if you or your children will be out and about, there are some precautions to heed.
ErieSense.com warns of “Halloween safety dangers, like tripping and fire hazards” but suggests that “you can lower the risks of something bad happening with a few precautions”.
Homeowners Insurance Tip
If you are expecting visits by trick or treaters or perhaps hosting a Halloween party at your home, you will want to be sure your Homeowners Insurance policy offers you the full protection you will need in the event of an accident on your property. The time to confirm that your coverage is in place is well before the event. So act now, by contacting your insurance agent for a policy review.