LOSS PREVENTION RECOMMENDATIONS
CAU the Gardens new insurance carrier had a Loss Prevention Consultant visit and inspect The Gardens and he made the following safety recommendations. Most recommendations had to do with fire damage, water damage and Carbon Monoxide.
WATER DAMAGE PREVENTION
- It is recommended that you turn off water lines to washing machines when not in use.
- When installing or replacing washer hoses don’t buy the cheapest buy a good quality guaranteed leak proof/burst proof washer hose.
- Know the location of your water main shut-off so you can get to it quick in an emergency.
- Check your water heater for leaks on a regular basis.
- When replacing a water heater they recommend one with an Automatic Shut Off Valve.
FIRE DAMAGE PREVENTION
- The Smoke Alarms in our units are hard wired but have a battery backup. The battery should be changed annually. The alarm units should be replaced every 10 years.
- Have a good charged fire extinguisher handy in a known location.
- Candles should not be burned in a location with a draft or near combustible material.
- Clean dryer lent filters after every dryer use.
- Follow all dryer manufacturers installation and operating guidelines.
- Use a minimum of a 4 inch rigid metal vent from the dryer to the wall, not plastic or foil.
- Do not allow dryer to run when you are not home.
- Inspect the dryer vent termination point annually for blockages, bird nests or any wild life.
- When using any outdoor grill only use equipment bearing the mark of an independent testing laboratory and follow manufactures instructions for set up and use.
- Locate grill away from siding, out from under eaves and away any combustible materials.
- Keep children away from grill.
- Use long handled utensils to minimize the potential for burns.
- It is recommend when using Fire Pits or Chimineas no combustibles or flammable liquids be used to ignite fires, don’t overload the burn chamber, burn only seasoned fire wood, never leave unattended, make sure ashes are completely extinguished, never use indoors or in enclosed area and follow manufacturer’s instructions for set up, use and maintenance.
CARBON MONOXIDE
- It is recommended each unit have a Carbon Monoxide (CO) Detector.
- Never leave car or gasoline powered equipment running in the garage with the door down.
- Never operate an outdoor grill or a gasoline powered generator inside the unit.
Another area that does affect insurance is the liability for you and the Home Owners Association that can result from the hiring of contractors to do work on or around your unit. You should be sure that any contractor you hire provides you with a Certificate of Insurance that shows the policy number, the named insured, the coverage provided, the policy limits, the coverage term and the name of the insurance carrier. If there is an accident or damage while they are working for you, you and the HOA could be held liable.