You can’t smell it, taste it, or see it, but it’s out there: carbon monoxide is the number one cause of accidental poisonings in the United States. In California, all residential properties with a fossil fuel burning heater, fireplace or attached garage are required to have a carbon monoxide detector installed. Make sure your home and your family are covered!
Sound the alarm
Install a carbon monoxide on each floor of your home. If you only have one detector, keep it close to the sleeping area so it will be heard if the alarm goes off. Do not place detectors near flames.
If the alarm does go off, get everyone out of the house and check for symptoms of carbon monoxide poisoning. Call 911 if any family member shows symptoms of poisoning, including:
- severe headaches,
- nausea or
Don’t enter the home until emergency responders clear the area.
Every hardware store sells carbon monoxide detectors. Reliable carbon monoxide detectors cost between $30-$50. Detectors are typically plugged in, but purchase one with a battery backup, just in case of a power outage. Perform weekly checks to ensure all detectors are fully functional.
Carbon monoxide is produced by burning any type of fuel, including wood and gas. Prevent the risk of a carbon monoxide build-up by following this list of DON’Ts:
- DON’T idle your car in a garage
- DON’T use a gas oven to heat your home
- DON’T use appliances indoors that don’t vent fumes outside; and
- DON’T ignore the signs of CO poisoning.
Important note: A carbon monoxide detector does NOT replace a smoke detector. Residential properties require both!
Past 12 months market data – Number of Homes For Sale Vs. Sold
Time frame is from Mar 2015 to Feb 2016 (Past 12 months)
2. Know about dollar limitations on claims. Even if you are covered for a risk, there may be a limit on how much the insurer will pay. For example, many policies limit the amount paid for stolen jewelry unless items are insured separately.
3. Know the replacement cost. If your home is destroyed you’ll receive money to replace it only to the maximum of your coverage, so be sure your insurance is sufficient. This means that if your home is insured for $150,000 and it costs $180,000 to replace it, you’ll only receive $150,000.
4. Know the actual cash value. If you chose not to replace your home when it’s destroyed, you’ll receive replacement cost, less depreciation. This is called actual cash value.
5. Know the liability. Generally your homeowner’s insurance covers you for accidents that happen to other people on your property, including medical care, court costs, and awards by the court. However, there is usually an upper limit to the amount of coverage provided. Be sure that it’s sufficient if you have significant assets.