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	<title>Stearns Insurance</title>
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	<description>Exceeding expectations for over 50 years.</description>
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		<title>DON’T PUT YOURSELF AT RISK OF A WINTER FIRE</title>
		<link>http://stearnsinsurance.com/news/preparing-for-the-worst-without-the-worry/</link>
		<comments>http://stearnsinsurance.com/news/preparing-for-the-worst-without-the-worry/#comments</comments>
		<pubDate>Wed, 06 Jan 2010 07:00:04 +0000</pubDate>
		<dc:creator>Public Relations</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.stearnsinsurance.com/?p=449</guid>
		<description><![CDATA[Lighting and Flames
According to the U.S. Fire Administration, in 2008 alone, more than 3,000 people
died in 2008 from fires and more than 16,000 were injured.

Avoid using lit candles. If you do use them, make sure they are in stable holders and place them where they cannot be easily knocked down, out of the reach of [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Lighting and Flames</strong></p>
<p>According to the U.S. Fire Administration, in 2008 alone, more than 3,000 people</p>
<p>died in 2008 from fires and more than 16,000 were injured.</p>
<ul>
<li>Avoid using lit candles. If you do use them, make sure they are in stable holders and place them where they cannot be easily knocked down, out of the reach of children.</li>
<li>Never leave a home or room with candles burning.</li>
<li>Install a smoke alarm on every level of your home. Test the batteries every month and change them at least once a year.</li>
<li>Have your chimney, chimney vent and flue cleaned and inspected annually.</li>
<li>Never burn trash, painted or pressure‐treated wood inside the home.</li>
<li>Never use gasoline or other alternative fuels in a kerosene heater.</li>
<li>Cooking is the leading cause of home fires. Never leave food cooking unattended and keep a fire extinguisher in your kitchen at all times.</li>
<li>Is your Christmas tree still up? A dry tree in the house is a kindling for a fire. A tree should never be placed close to a heat source, including a fireplace or a heat vent.</li>
</ul>
<p>The heat will dry out the tree, causing it to be more easily ignited by heat, flame or sparks. Keep fresh trees watered. When a Christmas tree becomes dry, promptly discard it. The best way to dispose of your tree is by taking it to a recycling center or having it picked up by a community pick up service.</p>
<ul>
<li>Inspect decorative lights each year for frayed wires, bare spots, gaps in the insulation, broken or cracked sockets, and excessive kinking or wear before putting them up. Inspect them again when you take them down. Do not leave lit decorative lights unattended and only use UL approved lighting.</li>
<li>Do not overload outlets. Connect strings of lights to an extension cord before plugging the cord into the outlet.</li>
<li>Never put tree branches or needles in a fireplace or wood burning stove.</li>
<li>Check on older adults and help them inspect their homes. Older people are at higher risk of injury from fires and are also more likely to die in fires than those in other ages groups of fire‐related injuries.</li>
</ul>
<p><strong>Keeping Warm</strong></p>
<p>There are more ways to keep warm than just using the fireplace. Here are a few suggestions:</p>
<ul>
<li>Set the thermostat at 65 degrees or higher.</li>
<li>Never leave fireplaces, woodstoves or space heaters unattended. Always use extreme caution with auxiliary heat sources.</li>
<li>Speak with a trusted contractor about doing a winter survey on your home. You may want to install plastic coating over your windows and doors, a sump pump in your basement, storm windows or consider purchasing special padding or foam to prevent drafts around cracks where air can escape. If a complete storm window upgrade is out of your price range, consider replacing old storm windows on just the northern exposure of your home where it is vulnerable to the cold.</li>
<li>Add extra insulation to attics, basements and crawl spaces. Ideally, the attic should be five to ten degrees warmer than the outside air.</li>
<li>Have the heating system serviced. Furnaces, boilers and chimneys should be serviced at least once a year to prevent fire and smoke damage.</li>
</ul>
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		<title>Winter Tips</title>
		<link>http://stearnsinsurance.com/news/stearns-expands-options/</link>
		<comments>http://stearnsinsurance.com/news/stearns-expands-options/#comments</comments>
		<pubDate>Fri, 18 Dec 2009 14:08:30 +0000</pubDate>
		<dc:creator>Public Relations</dc:creator>
				<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://www.stearnsinsurance.com/?p=361</guid>
		<description><![CDATA[Prevent ice dams &#8211; An ice dam is a build-up of ice that blocks water drainage from the roof and the gutters. Ice dams can cause leaks from ceilings and walls that can ultimately lead to mold and other problems. To prevent ice dams, remove leaves, sticks and other debris from gutters or install gutter [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Prevent ice dams</strong> &#8211; An ice dam is a build-up of ice that blocks water drainage from the roof and the gutters. Ice dams can cause leaks from ceilings and walls that can ultimately lead to mold and other problems. To prevent ice dams, remove leaves, sticks and other debris from gutters or install gutter guards (available in most hardware home stores) that will prevent debris from getting in the gutter and interfering with drainage.</p>
<p><strong>“Watch out for that tree!”</strong> &#8211; Trees and branches weakened by snow, ice and wind can snap and seriously hurt a person on your property, as well as cause serious damage to your home or car. Trimming trees and removing dead branches can help prevent serious damage and injuries.</p>
<p><strong>Roof care and repair</strong> &#8211; High winds, snow and ice can damage a roof. Check the structural ability of the roof to sustain unusually heavy weight from the accumulation of snow and ice. After a heavy storm, check for water stains in attics and on any overhangs. Lastly, repair or replace split or loose shingles and fix any leaks.</p>
<p><strong>Pipe dreams…and nightmares</strong> &#8211; First, the bad news: Frozen or broken water pipes disrupt hundreds of thousands of American lives every winter. The good news: You can prevent frozen pipes by following these tips.</p>
<p>• Keep the inside temperature of your home at 65 degrees or warmer.</p>
<p>• Wrap heating tape and/or standard insulation around pipes wherever possible.</p>
<p>• Look for pipes with cracks or leaks —they freeze first.</p>
<p>• Keep the inside temperature of your home at 65 degrees or warmer.</p>
<p>• Keep cabinet doors open during cold spells to allow warm air to circulate around pipes (particularly in the kitchen and bathroom).</p>
<p>• If you’re leaving your home for several days, turn off the water completely and drain the pipes, or keep water dripping through one or two faucets, as moving water prevents freezing. However, if you are leaving your home for an extended period of time, plan to turn the water off. It also helps to have someone check your home every day while you are gone.</p>
<p>• If your pipes do freeze, quickly shut off the water and immediately call a plumber.</p>
<p><span style="color: #000000; font-family: Verdana, Helvetica;"><strong>Prevent personal injuries -</strong> Homeowners are liable for any injuries that occur on their property. Keep kitty litter, sand or rock salt on hand to sprinkle over frozen driveways, walkways or sidewalks. Additionally, ensure that your outdoor steps and guardrails are in good repair to prevent injuries from falls on ice.</span></p>
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		<title>Insurance for Mini-Storage Units</title>
		<link>http://stearnsinsurance.com/featured/insurance-for-mini-storage-units/</link>
		<comments>http://stearnsinsurance.com/featured/insurance-for-mini-storage-units/#comments</comments>
		<pubDate>Mon, 21 Sep 2009 18:48:29 +0000</pubDate>
		<dc:creator>Public Relations</dc:creator>
				<category><![CDATA[featured]]></category>

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		<title>Church Insurance</title>
		<link>http://stearnsinsurance.com/featured/church-insurance/</link>
		<comments>http://stearnsinsurance.com/featured/church-insurance/#comments</comments>
		<pubDate>Thu, 27 Aug 2009 19:45:07 +0000</pubDate>
		<dc:creator>Public Relations</dc:creator>
				<category><![CDATA[featured]]></category>

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		<title>Insurance for Contractors</title>
		<link>http://stearnsinsurance.com/featured/insurance-for-contractors/</link>
		<comments>http://stearnsinsurance.com/featured/insurance-for-contractors/#comments</comments>
		<pubDate>Thu, 27 Aug 2009 18:59:23 +0000</pubDate>
		<dc:creator>Public Relations</dc:creator>
				<category><![CDATA[featured]]></category>

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		<title>Equine Insurance</title>
		<link>http://stearnsinsurance.com/featured/specialty-equine-insurance/</link>
		<comments>http://stearnsinsurance.com/featured/specialty-equine-insurance/#comments</comments>
		<pubDate>Thu, 27 Aug 2009 14:22:59 +0000</pubDate>
		<dc:creator>Public Relations</dc:creator>
				<category><![CDATA[featured]]></category>

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