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	<title>Lampton Engle Agency &#187; Home Owners Insurance Beavercreek</title>
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		<title>Beavercreek Ohio, Homeowner Insurance rates are rising</title>
		<link>http://www.lamptonengleagency.com/409/beavercreek-ohio-homeowner-insurance-rates-are-rising/</link>
		<comments>http://www.lamptonengleagency.com/409/beavercreek-ohio-homeowner-insurance-rates-are-rising/#comments</comments>
		<pubDate>Mon, 26 Jul 2010 19:06:18 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Beavercreek Insurance]]></category>
		<category><![CDATA[Home Owners Insurance]]></category>
		<category><![CDATA[Home Owners Insurance Beavercreek]]></category>
		<category><![CDATA[Lampton Insurance Beavercreek]]></category>

		<guid isPermaLink="false">http://www.lamptonengleagency.com/?p=409</guid>
		<description><![CDATA[]]></description>
			<content:encoded><![CDATA[<div class="announcement_post"><div><span style="font-family: Arial; font-size: x-small;">The following two articles show that property rates  in Ohio have been increasing for the past couple of years.  The hurricane  &#8220;Ike&#8221; in 2009 was partly to blame.  Ohio property insurance has been hit  with storms featuring high winds and hail causing increased claims in the past  few years.  However, the news is not all bad.  Ohio&#8217;s home insurance  rates are still among the lowest in the country.  According to Ohio  insurance institute, a trade association, Ohioans enjoy the 6th lowest home  rates in the country. </span></div>
<div><span style="font-family: Arial; font-size: x-small;"><br />
</span></div>
<div><span style="font-family: Arial; font-size: x-small;">We have highlighted a couple of news stories from  the Dayton Daily News, and WDTN for additional information.</span></div>
<div><span style="font-family: Arial; font-size: x-small;"><br />
</span></div>
<div><span style="font-family: Arial; font-size: x-small;"><a href="http://www.daytondailynews.com/news/dayton-news/homeowners-insurance-rates-jumped-9-7homeowners-insurance-rates-jumped-9-7-percent-hurricane-ike-to-blame-819915.html?cxtype=ynews_rss" target="_blank">http://www.daytondailynews.com/news/dayton-news/homeowners-insurance-rates-jumped-9-7homeowners-insurance-rates-jumped-9-7-percent-hurricane-ike-to-blame-819915.html?cxtype=ynews_rss</a></span></div>
<div><span style="font-family: Arial; font-size: x-small;"><br />
</span></div>
<div><span style="font-family: Arial; font-size: x-small;"><a href="http://www.wdtn.com/dpp/money/Copy_of_homeowners-insurance-rates-on-the-rise" target="_blank">http://www.wdtn.com/dpp/money/Copy_of_homeowners-insurance-rates-on-the-rise</a></span></div>
</div>
]]></content:encoded>
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		</item>
		<item>
		<title>Safe Home Christmas Decorations</title>
		<link>http://www.lamptonengleagency.com/113/safe-home-christmas-decorations/</link>
		<comments>http://www.lamptonengleagency.com/113/safe-home-christmas-decorations/#comments</comments>
		<pubDate>Wed, 10 Dec 2008 20:45:06 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Home Owners Insurance Beavercreek]]></category>
		<category><![CDATA[Lampton Insurance Beavercreek]]></category>

		<guid isPermaLink="false">http://lamptonengleagency.com/?p=113</guid>
		<description><![CDATA[Christmas decorations like candles, lights and Christmas tress are interesting  to make and a joy to behold the final outcome. These decorations set the mood  for the festivities and remind us that it is a season to celebrate and enjoy  ourselves. But if precautions are not taken then these decorations can cause [...]]]></description>
			<content:encoded><![CDATA[<p>Christmas decorations like candles, lights and Christmas tress are interesting  to make and a joy to behold the final outcome. These decorations set the mood  for the festivities and remind us that it is a season to celebrate and enjoy  ourselves. But if precautions are not taken then these decorations can cause  fires, injuries and death. Given below are a few safety precautions to follow  during the holiday season.</p>
<div class="text"><strong>Christmas Tree:</strong></div>
<ul>
<li>If you are buying an artificial tree, ensure that it has a &#8220;Fire Resistant&#8221;  label. This does not mean that the tree will not catch fire; it only means that  it is more resistant to burning.</li>
<li>When you are buying a live tree, ensure that it is fresh. If the tree is  fresh you will not be able to pull the needles from the branches. When it is  tapped on the ground needles will not fall off. If the truck is fresh it will be  sticky with resin.</li>
<li>Inside your home position the tree away from the fireplace and away from  radiators. Heated rooms will dry a live tree quickly. Make sure that the tree  stand if filled with water. Place tree away from doorways and areas that are  used often in the house.</li>
</ul>
<div class="text"><strong>Lights:</strong></div>
<ul>
<li>Use lights that have been tested for safety by a recognized laboratory. Use  lights that have plugs and fuses. Use lights labeled for outdoor use for  outdoors and those meant for indoor use indoors.</li>
<li>Check lights both old and new for cracked or broken sockets, bare wires or  loose connections before using them.</li>
<li>Replace damaged bulbs immediately. Use same wattage bulbs.</li>
<li>Use extension cords that are rated for intended use.</li>
<li>Use insulated tape to fasten lights outdoors to trees, house wall etc.</li>
<li>Turn off outdoor light when you go to bed or leave the house.</li>
</ul>
<div class="text"><strong>Candles and Other Decorations:</strong></div>
<ul>
<li>Use fire resistant material to decorate the tree. Use nonleaded material for  decoration, as leaded material is dangerous if children ingest it.</li>
<li>Burning candles should be kept in view at all times. Place them out of reach  of children.</li>
<li>Do not place lighted candles near trees or other greens. Use non-flammable  holders.</li>
<li>If you have small children at home, then try not to use decorations that  look like candy. As this might tempt them to eat it. Do not use decoration with  small removable parts and the children could eat them up.</li>
<li>While using artificial snow spray, read instructions on the can carefully to  prevent lung irritation.</li>
</ul>
<div class="text"><strong>Fireplaces: </strong></div>
<ul>
<li>&#8220;Fire salts&#8221; produce colored flames when thrown into wood fires. They  contain metals and are poisonous if ingested. Therefore keep them away from  children.</li>
<li>Do not throw wrapping paper into the fireplace, as they will burst into  flames suddenly causing a fire flash.</li>
<li>Flying sparks may cause flammable material around the fireplace to catch  fire. Prevent this by placing a screen around the fireplace.</li>
</ul>
]]></content:encoded>
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		<item>
		<title>Smoke Alarms Can Save Your Life</title>
		<link>http://www.lamptonengleagency.com/101/smoke-alarms-can-save-your-life/</link>
		<comments>http://www.lamptonengleagency.com/101/smoke-alarms-can-save-your-life/#comments</comments>
		<pubDate>Wed, 22 Oct 2008 20:43:09 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Home Owners Insurance Beavercreek]]></category>

		<guid isPermaLink="false">http://lamptonengleagency.com/?p=101</guid>
		<description><![CDATA[Most home fire deaths happen between 10 o&#8217;clock at night and 6 in the morning.  Many victims die because of smoke and toxic gases, not the fire itself.  Smoke detectors can wake you and give you time to escape.  When purchasing a smoke alarm, look for one that is accepted by an independent testing facility, [...]]]></description>
			<content:encoded><![CDATA[<p>Most home fire deaths happen between 10 o&#8217;clock at night and 6 in the morning.  Many victims die because of smoke and toxic gases, not the fire itself.  Smoke detectors can wake you and give you time to escape.  When purchasing a smoke alarm, look for one that is accepted by an independent testing facility, such as Underwriters Laboratories or Factory Mutual.</p>
<p>Location:</p>
<p>The best place for your smoke alarms:</p>
<p>On every level of your home, including the basement and workshop</p>
<p>Outside every bedroom</p>
<p>On the ceiling or 6 to 12 inches below the ceiling on the wall.  Keep them away from air vents.</p>
<p>Testing:</p>
<p>Test the alarm batteries once a month</p>
<p>Press the test button with your finger</p>
<p>Replace the batteries once a year</p>
<p>Maintenance:</p>
<p>Clean the alarm following the manufacturer&#8217;s instructions.</p>
<p>Vacuum the grill-work on the detector periodically to keep it dust-free.</p>
<p>Preventing Nuisance Alarms:</p>
<p>Move the alarm away from the kitchen or bathroom.</p>
<p>Get a different type of smoke alarm, like a photoelectric that&#8217;s less sensitive to common causes of false</p>
<p>alarms.</p>
<p>Choose a smoke alarm that has a silencing feature, so nuisance alarms can be stopped quickly and</p>
<p>easily.</p>
]]></content:encoded>
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		</item>
		<item>
		<title>Home Safety and Winter Preparation</title>
		<link>http://www.lamptonengleagency.com/100/home-safety-and-winter-preperation/</link>
		<comments>http://www.lamptonengleagency.com/100/home-safety-and-winter-preperation/#comments</comments>
		<pubDate>Wed, 22 Oct 2008 20:21:48 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Home Owners Insurance]]></category>
		<category><![CDATA[Home Owners Insurance Beavercreek]]></category>

		<guid isPermaLink="false">http://lamptonengleagency.com/?p=100</guid>
		<description><![CDATA[The Federal Emergency Management Agency (FEMA) publishes a variety of materials that deal with preparation, prevention, and safety tips for homes. Preparing for winter requires special inspection and maintenance steps to prevent damage and danger to occupants.
 
Before Winter Storms and Extreme Cold
Add the following supplies to your disaster supplies kit:

Rock salt to melt ice on [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="margin: 6pt 0in; mso-outline-level: 1;"><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 18.0pt;">The Federal Emergency Management Agency (FEMA) </span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 18.0pt;">publishes a variety of materials that deal with preparation, prevention, and safety tips for homes. Preparing for winter requires special inspection and maintenance steps to prevent damage and danger to occupants.</span></p>
<p class="MsoNormal" style="margin: 6pt 0in; mso-outline-level: 1;"><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 18.0pt;"> </span></p>
<p class="MsoNormal" style="margin: 6pt 0in; mso-outline-level: 1;"><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman'; mso-font-kerning: 18.0pt;">Before Winter Storms and Extreme Cold</span></strong></p>
<p class="MsoNormal" style="margin: 6pt 0in; mso-outline-level: 2;"><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';">Add the following supplies to your disaster supplies kit:</span></strong></p>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="margin: 0in 0in 0pt; mso-list: l1 level1 lfo1; tab-stops: list .5in;"><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman'; mso-bidi-font-size: 12.0pt;">Rock salt</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> to melt ice on walkways </span></li>
<li class="MsoNormal" style="margin: 0in 0in 0pt; mso-list: l1 level1 lfo1; tab-stops: list .5in;"><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman'; mso-bidi-font-size: 12.0pt;">Sand</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> to improve traction </span></li>
<li class="MsoNormal" style="margin: 0in 0in 0pt; mso-list: l1 level1 lfo1; tab-stops: list .5in;"><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman'; mso-bidi-font-size: 12.0pt;">Snow shovels</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> and other snow removal equipment. </span></li>
</ul>
<p class="MsoNormal" style="margin: 6pt 0in; mso-outline-level: 2;"><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';">Prepare your home and family</span></strong></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.65in; text-indent: -0.4in; mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="font-size: 10pt; font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman'; mso-bidi-font-size: 12.0pt;">Prepare for possible isolation in your home</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> by having sufficient heating fuel, because regular fuel sources may be cut off. For example, store a good supply of dry, seasoned wood for your fireplace or wood-burning stove.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.65in; text-indent: -0.4in; mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="font-size: 10pt; font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman'; mso-bidi-font-size: 12.0pt;">Winterize your home</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> to extend the life of your fuel supply by insulating walls and attics, caulking and weather-stripping doors and windows, and installing storm windows or covering windows with plastic.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.65in; text-indent: -0.4in; mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="font-size: 10pt; font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman'; mso-bidi-font-size: 12.0pt;">Winterize your house, barn, shed or any other structure that may provide shelter</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> for your family, neighbors, livestock or equipment. Clear rain gutters; repair roof leaks and cut away tree branches that could fall on a house or other structure during a storm.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.65in; text-indent: -0.4in; mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="font-size: 10pt; font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman'; mso-bidi-font-size: 12.0pt;">Insulate pipes</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> with insulation or newspapers and plastic and allow faucets to drip a little during cold weather to avoid freezing. Be certain that your waste plumbing system will safely handle the water without clogging or freezing. </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.65in; text-indent: -0.4in; mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="font-size: 10pt; font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman'; mso-bidi-font-size: 12.0pt;">Keep fire extinguishers on hand</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';">, and make sure everyone in your house knows how to use them. Use one outside to familiarize yourself with the pressure and dispersion, and then have it recharged immediately. </span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.65in; text-indent: -0.4in; mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="font-size: 10pt; font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';">House fires</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> pose an additional risk, as more people turn to alternate heating sources without taking the necessary safety precautions.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.65in; text-indent: -0.4in; mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="font-size: 10pt; font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman'; mso-bidi-font-size: 12.0pt;">Learn how to shut off water valves</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> (in case a pipe bursts).</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.65in; text-indent: -0.4in; mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="font-size: 10pt; font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Symbol; mso-bidi-font-weight: bold;"><span style="mso-list: Ignore;">·<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman'; mso-bidi-font-size: 12.0pt;">Know ahead of time what you should do </span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman'; mso-bidi-font-size: 12.0pt;">to help elderly or disabled friends, neighbors or employees.</span><strong></strong></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.65in; text-indent: -0.4in; mso-list: l0 level1 lfo2; tab-stops: list .5in;"><span style="font-size: 10pt; font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman'; mso-bidi-font-size: 12.0pt;">Hire a contractor to check the structural ability of the roof</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> to sustain unusually heavy weight from the accumulation of snow &#8211; or water, if drains on flat roofs do not work. </span></p>
<p class="MsoNormal" style="margin: 6pt 0in; mso-outline-level: 2;"><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';">Dress for the Weather</span></strong></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.65in; text-indent: -0.4in; mso-list: l3 level1 lfo3; tab-stops: list .5in;"><span style="font-size: 10pt; font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman'; mso-bidi-font-size: 12.0pt;">Wear several layers</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> of loose fitting, lightweight, warm clothing rather than one layer of heavy clothing. The outer garments should be tightly woven and water repellent, and bright colors are suggested for safety.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.65in; text-indent: -0.4in; mso-list: l3 level1 lfo3; tab-stops: list .5in;"><span style="font-size: 10pt; font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman'; mso-bidi-font-size: 12.0pt;">Wear mittens</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';">, which are warmer than gloves.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.65in; text-indent: -0.4in; mso-list: l3 level1 lfo3; tab-stops: list .5in;"><span style="font-size: 10pt; font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Symbol; mso-bidi-font-weight: bold;"><span style="mso-list: Ignore;">·<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman'; mso-bidi-font-size: 12.0pt;">Wear a hat</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman'; mso-bidi-font-size: 12.0pt;">. Body heat escapes rapidly from the head.</span><strong></strong></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.65in; text-indent: -0.4in; mso-list: l3 level1 lfo3; tab-stops: list .5in;"><span style="font-size: 10pt; font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman'; mso-bidi-font-size: 12.0pt;">Cover your mouth</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> with a scarf to protect your lungs. </span></p>
<p class="MsoNormal" style="margin: 6pt 0in;"><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> </span></p>
<p class="MsoNormal" style="margin: 6pt 0in;"><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> </span></p>
<p class="MsoNormal" style="margin: 6pt 0in;"><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> </span></p>
<p class="MsoNormal" style="margin: 6pt 0in; mso-outline-level: 2;"><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';">Winter Fire Safety Tips from The U.S. Fire Administration</span></strong></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.5in; text-indent: -0.4in; mso-list: l2 level1 lfo4; tab-stops: list .35in;"><span style="font-size: 11pt; font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';">Smoke alarms</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> should be installed on every level of your home. Test the batteries every month and change them at least once a year or when the alarm ‘beeps’ at regular intervals.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.5in; text-indent: -0.4in; mso-list: l2 level1 lfo4; tab-stops: list .35in;"><span style="font-size: 11pt; font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';">Space heaters</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> should have an automatic emergency shutoff device in case they tip over. Only use the fuel recommended by the manufacturer.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.5in; text-indent: -0.4in; mso-list: l2 level1 lfo4; tab-stops: list .35in;"><span style="font-size: 11pt; font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';">Never refill a space heater</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> while it is operating or still hot. Refuel outside, away from the house.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.5in; text-indent: -0.4in; mso-list: l2 level1 lfo4; tab-stops: list .35in;"><span style="font-size: 11pt; font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';">Wood stoves</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> must be properly installed, away from combustible surfaces, have the proper floor support and adequate ventilation.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.5in; text-indent: -0.4in; mso-list: l2 level1 lfo4; tab-stops: list .35in;"><span style="font-size: 11pt; font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';">Never use flammable liquids</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';">, such as gasoline or lighter fluid, to start or accelerate a fire.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.5in; text-indent: -0.4in; mso-list: l2 level1 lfo4; tab-stops: list .35in;"><span style="font-size: 11pt; font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';">Have furnaces and chimneys professionally inspected</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> annually and cleaned if necessary. Creosote buildup is a common cause of chimney fires.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.5in; text-indent: -0.4in; mso-list: l2 level1 lfo4; tab-stops: list .35in;"><span style="font-size: 11pt; font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';">Use a glass or metal screen</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> in front of fireplaces to prevent sparks from igniting nearby carpets or furniture.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.5in; text-indent: -0.4in; mso-list: l2 level1 lfo4; tab-stops: list .35in;"><span style="font-size: 11pt; font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';">Never thaw frozen pipes with a blowtorch</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> or other open flame. Use hot water or a UL listed device such as a hand-held dryer.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.5in; text-indent: -0.4in; mso-list: l2 level1 lfo4; tab-stops: list .35in;"><span style="font-size: 11pt; font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';">Dispose of hot ashes</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> in tightly sealed metal containers placed away from the house.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.5in; text-indent: -0.4in; mso-list: l2 level1 lfo4; tab-stops: list .35in;"><span style="font-size: 11pt; font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';">Don&#8217;t use the oven to heat homes</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';">. Besides being a fire hazard, it can be a source of toxic fumes.</span></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.5in; text-indent: -0.4in; mso-list: l2 level1 lfo4; tab-stops: list .35in;"><span style="font-size: 11pt; font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font-family: &quot;Times New Roman&quot;;">         </span></span></span><strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';">Keep fire hydrants clear of snow</span></strong><span style="font-size: 11pt; font-family: Verdana; mso-bidi-font-family: 'Times New Roman';"> for easy access. </span></p>
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