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Tip of the Month

                                                                                                       Barbecue Season Is In Full Swing: Don’t Go Up In Flames

The joys of outdoor cooking also bring fire and associated risks. Here are some safety reminders for gas and propane barbecues to protect you and your property from harm or damage.
•    Never operate a barbecue in an enclosed space, close to a structure, or near combustibles. Have a one metre radius around it free of obstructions. 
•    Keep your barbecue in tip top shape. Check for hose breakage, valve leaks, and other parts before securing the tank well and turning on the gas. 
•    When in use, never leave the grill unattended, and when finished turn the tank off before the burners so the remaining gas in the lines can burn off. This can help prevent a flash the next time the BBQ is in use.
•    Make sure your fire extinguisher is easily accessible and in good working order. 
Additional Tips
•    Propane companies use an additive to create an unpleasant odour like rotten eggs to make a propane leak easier to detect, so you can shut off supply immediately, stop using the grill, and clear the area.
•    Although the risk of carbon monoxide is low when using a BBQ outdoors, it is not entirely eliminated. Learn to recognize the signs of CO2 poisoning and take appropriate action.
•    Store propane tanks in an upright position, in a spot where they are unlikely to be knocked or bumped to prevent any safety risk.

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Survey Says....

A recent survey of homeowners indicated that approximately 50% believed that their policy covered damage from an overflowing body of water. In fact, home insurance doesn't cover damage from flooding when rivers, lakes, streams, or creeks overflow their banks. It is a basic exclusion, and isn't able to be purchased on personal lines property policies. The same survey indicated over 80% of homeowners thought their policy automatically covered sewer back-up or sump pump malfunction. This is an extra protection often called Water Damage Extension which you have to buy and not a standard item on most policies. Due to a large number of losses in certain areas of the province, many companies have placed restrictions on the coverage such as increased deductibles, specific coverage limits, or perhaps complete coverage exclusion. Call your insurance provider to clarify your own situation.