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	<title>Stan Steele Insurance Agency &#187; Mobile Home Insurance</title>
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		<title>Amanda&#8217;s Law</title>
		<link>http://steeleagency.com/amandas-law/</link>
		<comments>http://steeleagency.com/amandas-law/#comments</comments>
		<pubDate>Tue, 16 Mar 2010 14:55:41 +0000</pubDate>
		<dc:creator>Mathieu Steele</dc:creator>
				<category><![CDATA[Homeowner's Insurance]]></category>
		<category><![CDATA[Landlord Insurance]]></category>
		<category><![CDATA[Mobile Home Insurance]]></category>
		<category><![CDATA[Safety]]></category>

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		<description><![CDATA[&#8220;Amanda&#8217;s Law&#8221; is legislature that took effect on February 22, 2010. It&#8217;s a law that was designed to increase the safety of all homes in NY State by reducing or eliminating the harmful effects of exposure to carbon monoxide. Carbon Monoxide poisoning is the leading cause of poisoning death in the United States. Here are [...]]]></description>
			<content:encoded><![CDATA[<p>&#8220;Amanda&#8217;s Law&#8221; is legislature that took effect on February 22, 2010. It&#8217;s a law that was designed to increase the safety of all homes in NY State by reducing or eliminating the harmful effects of exposure to carbon monoxide. Carbon Monoxide poisoning is the leading cause of poisoning death in the United States. Here are some of the provisions of the law:</p>
<ul>
<li>All new homes are required to have Carbon monoxide detectors hard wired into the electrical system of the home.</li>
<li>Homes built prior to January 1, 2008 are permitted to have battery-powered carbon monoxide detectors.</li>
<li>Detectors should be installed on the lowest level of the home having a bedroom and should be audible to all bedrooms even with doors closed.</li>
<li>Contractors installing new furnaces and water heaters are required to install a carbon monoxide detector in any home that does not already have one.</li>
</ul>
<h3><span style="color: #339966;">Carbon Monoxide Facts</span></h3>
<p>Carbon monoxide can be produced when burning any type of fuel  including gasoline, charcoal, propane, natural gas, kerosene, oil, wood  or coal. If any flammable material burns incompletely, carbon monoxide  is produced. Carbon monoxide can be fatal after minutes or hours of exposure, depending on  the levels in the air.</p>
<p>When carbon monoxide is inhaled at damaging levels it can lead to  breathing difficulties, impaired judgment and memory, damage to the  nervous system, cardiac trauma, brain damage, coma and death. Everyone  is susceptible, but the American Medical Association says that unborn  and young children, pregnant women, senior citizens and people with  heart or respiratory problems are especially vulnerable and are at the  highest risk for death or serious injury.</p>
<p>The symptoms of carbon monoxide poisoning are often mistaken for the  flu and can include dizziness, fatigue, weakness, throbbing headache,  nausea, vomiting, irregular breathing, sleepiness and confusion. By the  time people realize there is a problem, they are often too sick or too  disoriented to get out of the house and get help.</p>
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		<title>Wood Stove Safety</title>
		<link>http://steeleagency.com/wood-stove-safety/</link>
		<comments>http://steeleagency.com/wood-stove-safety/#comments</comments>
		<pubDate>Tue, 19 Jan 2010 15:45:26 +0000</pubDate>
		<dc:creator>Mathieu Steele</dc:creator>
				<category><![CDATA[Homeowner's Insurance]]></category>
		<category><![CDATA[Mobile Home Insurance]]></category>
		<category><![CDATA[Safety]]></category>

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		<description><![CDATA[While many still heat their homes with natural gas or oil, there has been a recent resurgence in the popularity of wood stoves. Using a wood stove can be an economical and environmentally responsible choice; however, it does require more oversight and responsibility than other heating options. -NY State DEC Commissioner Pete Grannis. Wood stoves [...]]]></description>
			<content:encoded><![CDATA[<p>While many still heat their homes with natural gas or oil, there has been a recent resurgence in the popularity of wood stoves. Using a wood stove can be an economical and environmentally responsible choice; however, <em>it does require more oversight and responsibility than other heating options.</em> -NY State DEC Commissioner Pete Grannis.</p>
<p>Wood stoves are a popular alternative source of heat for many homes. As long as you have a good supply of fuel wood, the cost is next-to-nothing. There are some dangers associated with wood stoves, however, as wood stoves cause many house fires each year. Here are a few things to keep in mind if you choose this method of heating your home:</p>
<h3><span style="color: #339966;">Installation</span></h3>
<p>Before having your wood stove installed, be sure to provide the installer with the installation guidelines provided by the manufacturer. You will need to obtain the proper certification from the local code enforcement officer. Some insurance companies also have requirements for stove installation. An improper installation can put your policy in jeopardy of cancellation. When burning, be sure to follow the guidelines provided by the manufacturer of your stove to keep the temperature within the the safety threshold. A fire that is too hot is wasteful and dangerous. A Fire that is not hot enough can lead to unnecessary creosote buildup.</p>
<h3><span style="color: #339966;">Cleaning</span></h3>
<p>For most wood stoves, a fall cleaning is all that you will need. Some wood stoves may need to be cleaned more frequently depending on the type of fuel used, the temperature they burn at, and other factors. You should check at least monthly during the burning season to make sure that creosote is not building up in your chimney. The manufacturer of your stove may also provide guidelines to effective cleaning and maintenance of your stove. Seek the help of a qualified individual to clean your stove.</p>
<h3><span style="color: #339966;">Fuel Choices</span></h3>
<p>The best choice for fuel is dry, seasoned hardwood. It burns hot, clean, and efficiently. Be sure to use good judgment when making a fuel wood choice. Build your fire with newspaper and dry kindling. Never use charcoal starter fluid, gasoline, or other liquids. Proper seasoning of wood is done when it is stored for at least 6 months before burning. Cracks in the end grain is an indication that the wood is properly seasoned. If you are storing the wood outdoors, stack it neatly off the ground and cover the top. Discard wet, rotted, diseased, or moldy wood. Never put garbage or other debris in your stove. In addition to causing a fire hazard, burning anything other than clean wood may produce harmful chemicals that can damage the wood stove and lower the quality of the air.</p>
<h3><span style="color: #339966;">Ash Removal</span></h3>
<p>When cleaning the ashes from your stove, store them in a metal container with a tight lid. place the container outside, and a safe distance from anything that could catch fire. The ashes can stay hot for days. Make sure they are cool before dumping or trashing them.</p>
<h3><span style="color: #339966;">Smoke</span></h3>
<p>New York State law requires that smoke from a wood stove have opacity of less than 20 percent. If you can see a clearly defined smoke plume, there may be a problem with the combustion process. The most common causes are wet wood, burning fuel other than wood, insufficient air flow to the stove, an improperly maintained chimney or stove, or an inefficient stove. Smoky fires affect the quality of the air, waste fuel, and cause creosote buildup in chimneys, leading to chimney fires. A properly installed stove should be smoke free.</p>
<h3><span style="color: #339966;">Children &amp; Pets</span></h3>
<p>It goes without saying that a wood stove is very hot. Children and pets should be kept a safe distance from the stove and not left unattended. Burns can happen in an instant. If you suspect that a member of your household has been in contact with the stove, seek qualified medical help. Never leave home or go to sleep with an unattended fire.</p>
<h3><span style="color: #339966;">Carbon Monoxide</span></h3>
<p>All homes should have a carbon monoxide detector. A simple detector can be had for around $20 at a hardware store. Carbon monoxide is an odorless gas that can cause serious health implications or death. Eliminate the chances your family will be exposed to it with proper detection.</p>
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