Category: Tips

Curling up by a crackling fire on chilly evenings is undeniably cozy and comforting. However, amidst the warmth and charm of our hearth, it’s crucial not to overlook fireplace safety. Routine chimney cleaning plays a pivotal role in maintaining a safe and efficient fireplace.
Routine chimney cleaning is essential due to the build-up of creosote, a sticky, tar-like substance that results from burning wood or fossil fuels. Gradually, these creosote deposits can accumulate along the interior walls of your chimney, potentially causing blockages. Such obstructions hinder proper ventilation and significantly elevate the risk of chimney fires if left unaddressed.

Chimney fires are a serious threat to the safety of your home and loved ones. The accumulation of creosote is highly flammable, and a spark or even high temperatures from a roaring fire can ignite these deposits. Routine chimney cleaning helps to remove these hazardous substances, significantly reducing the risk of chimney fires and ensuring the safety of your property.

A clean chimney is a more efficient chimney. When creosote and other debris block the flue, it restricts the proper flow of smoke and gases out of the house. This can cause smoke to back up into your living space, leading to potential health hazards and foul odors. In addition, restricted airflow can reduce the efficiency of your fireplace, which results in decreased heat output and wasted energy.

A chimney that is obstructed or not functioning correctly can allow dangerous gases, such as odorless and colorless carbon monoxide, to seep into your home. Without proper alarms, detecting these harmful gases becomes nearly impossible. By scheduling regular chimney cleaning, you ensure that these perilous fumes are appropriately vented away from your living area, safeguarding your family from potential health hazards.

According to the National Fire Protection Association (NFPA), there are over 25,000 chimney fires per year in the US. Those fires are responsible for approximately $125 million in property damage. Built up creosote is responsible for many of those fires, along with deficiencies in chimney linings and structures that allow high temperatures, and embers or sparks that reach combustible areas adjacent to your chimney or fireplace.

While some homeowners attempt to clean their chimneys themselves, it’s essential to hire a professional chimney sweeper for the task. Certified chimney sweeps have the expertise and tools needed to thoroughly clean the chimney, ensuring no creosote or debris is left behind. Chimney sweeps can conduct thorough inspections, checking for any structural problems or signs of damage that may necessitate repairs.

Chimney fires can result in significant property damage, including smoke and soot affecting furniture, electronics, and valuable belongings. Regular chimney cleaning helps minimize the risk of such fires and potential loss of personal property. Opting for routine chimney cleaning is an investment in safeguarding your family’s well-being and preserving the longevity of your cherished fireplace. So, before you cozy up for the next winter season, remember to schedule your chimney cleaning with a professional, and stay warm and safe throughout the year!

Nothing is more important at Quincy Mutual than the health and safety of our insureds.  Hurricane Lee could impact the East Coast in the next few days and we want to ensure that you, your family, and loved ones are safe, secure and prepared for the storm. Here are some helpful tips that can keep you and your property safe:

• Heed any directives from national, state or local governments.

Along with receiving key updates on the storm, there may be safety protocols put in place to assist everyone in remaining safe during the storm.

• Secure any outside equipment and personal property.

Outside personal property can become dangerous debris when high winds strike. Bring anything that is easy to carry inside for safety. Don’t hurt yourself! If something is too big to carry, secure and anchor it safely to a deck or post.

• Stay away from windows during the storm.

Glass breakage during a storm is a serious concern.  Keep away from these vulnerable areas during a storm and consider covering them or closing storm shutters.

• Keep your family and pets inside during the storm.

The winds may not look dangerous, but tree limbs can come down without any warning and there may be live downed power lines. Please notify your local utility company of any downed wires and do not approach hazardous situations.  Heavy rains can create flash flood situations quickly.

• Keep extra food, water, and batteries on hand.

If you must shelter in place for any amount of time, you want to ensure that you have enough supplies, lights and communication devices prepared.

• Practice generator safety

In the event you have a generator and use it when power is out, please fully read all safety warnings and run them in a well-ventilated area away from the home.

• If you do suffer property damage, please take reasonable steps to protect the property from additional damage when it is safe to do so.  Please take photographs and save any receipts related to your loss.

These are just a few tips that can keep you safe during the storm. Remember, focus on your safety first during a storm.  Do your best to protect your home, but don’t risk your health in the process.  Thank you for placing your trust in Quincy Mutual.

Being in insurance for as long as we have, Quincy Mutual Group has seen many types of claims. Claims range from the extremely unlikely to, unfortunately, very common. Here are a few types of claims we see regularly:

1. Auto Insurance Claims:

Auto insurance claims are among the most common types of claims we see. Accidents, hit and runs, damage from animals, debris flying up and hitting your vehicle- some you can prevent but some you can’t. We recommend being aware of your surroundings, buckling your seatbelt, obeying the speed limit, and always keeping your eyes on the road.

2. Homeowners Insurance Claims:

Homeowners insurance covers your property and its contents from a wide range of perils, including natural disasters, theft, and liability claims. Common homeowners’ insurance claims include damage caused by fire, storms, burglary, or water leaks, our most common type of home insurance loss.

How can a homeowner prevent water losses? Sam Paneto, Property Claims Manager for Quincy Mutual Group, shared a few easy steps to avoid plumbing claims. First, install automatic water shut off valves and sensors. By watching your water bill, you can make sure you don’t have a hidden water leak at your home or business. When leaving for vacation, check to be sure toilets and faucets are in working order, turning the water off if possible. Be sure your plumbing is properly insulated as cold weather can cause pipes to burst resulting in significant damage to your home and possessions.

3. Property Insurance Claims:

Property insurance claims encompass various types of assets, including commercial buildings, rental properties, and personal belongings. These claims often arise from damage caused by natural disasters, accidents, or theft. It is vital to document the contents of your business or home in an inventory list, keeping it updated as you purchase new equipment or belongings. Keep copies of the inventory list where they can be easily retrieved if a loss occurs.

Suffering a loss can be a stressful experience, but we are here to help. To prepare to file a claim, maintain accurate documentation and review your coverages regularly with your insurance agent. With the right knowledge, you can make the most of your insurance coverage and protect yourself against unexpected financial burdens. If you do find yourself in need of filing a claim, you can do so quickly and easily on our website.

Grill fires are one of the most common incidents associated with outdoor grilling. While grilling is generally a safe activity when proper precautions are taken, accidents can still occur, sometimes leading to grill fires. Understanding the causes, prevention measures, and appropriate response to grill fires are essential for ensuring your safety and protecting your property.

Causes of Grill Fires

Grill fires can be caused by various factors, including:

1. Grease Buildup: Over time, grease and fat residue can accumulate in the grill from use, particularly in the drip pan, trays, or bottom of the grill. If not regularly cleaned, this buildup can ignite and cause a fire.
2. Flare-Ups: Flare-ups occur when fat or marinades drip onto the flames, causing sudden bursts of intense heat. If left unattended, these flare-ups can ignite surrounding objects or cause burns to the person operating the grill.
3. Gas Leaks: Gas grills pose the risk of gas leaks, which can lead to fires or explosions. Leaks may occur due to damaged hoses, loose connections, or faulty regulators.
4. Improper Use of Starter Fluid: When using charcoal grills, improper use of starter fluid can result in flare-ups and uncontrollable fires. Using too much fluid, or attempting to add more after the fire has already started, can be dangerous.

Preventing Grill Fires

Prevention is key to avoiding grill fires. Here are some important preventive measures to follow:

1. Regular Cleaning: Clean your grill regularly and remove grease, fat, and debris from all parts of the grill.
2. Safe Location: There should be at least a 10 foot radius around your grill that’s free from flammable objects, including trees and structures. Only grill in well ventilated areas.
3. Safe Ignition: Follow the manufacturer’s instructions for igniting your grill safely. Avoid using excessive amounts of starter fluid or other accelerants.
4. Gas Grill Safety: Inspect gas connections regularly for leaks. A simple way to do this is to apply a soapy water solution to the connections and look for bubbles, which indicate a gas leak. If a leak is detected, immediately turn off the gas supply and have the grill serviced by a professional.
5. Supervision: An adult should always be watching the grill and monitoring for safety hazards.

Responding to a Grill Fire

Even when steps are taken to prevent them, grill fires can still occur. If a grill fire does occur, act fast. Prevent the spread of fire with these tips:

1. Safety First: Keep a fire extinguisher nearby and know how to use it. Move anyone in the area further away from the grill.
2. Cut off Oxygen: If it is safe to do so, close the grill’s lid to cut off the oxygen supply and smother the flames. This can help control the fire.
3. Disconnect Power or Fuel: For gas grills, turn off the gas supply at the source. For charcoal grills, carefully remove the fuel source and move it away from the fire.
4. Do Not Use Water: Water can cause grease to splatter or spread the fire, making the situation worse.
5. Call Emergency Services: Do not attempt to fight a large fire on your own.

Take control of the problem before it starts with regular maintenance, supervision and safe use of grills, both charcoal and gas. This is the key to grilling success. If a fire should start, remaining calm and taking quick action increases your odds of getting the BBQ back on track.

A Day in the Life of Insurance Professionals

Every year on June 28th, insurance professionals across the nation come together to celebrate National Insurance Awareness Day. It’s a day dedicated to recognizing the crucial role insurance plays in clients’ lives and the tireless efforts of insurance professionals who work diligently to protect their community from unexpected risks. Join us as we delve into the world of insurance professionals and explore the significance of National Insurance Day from our perspective.

A Profession Built on Trust:

Insurance professionals rely on building trust and providing peace of mind for their clients.  We celebrate these attributes on National Insurance Awareness Day knowing the amount of time and effort they put in to safeguard individuals, families, and businesses against the uncertainties of life.

Navigating the Complexities:

Insurance can be a foreign language to people not in the insurance industry, which is why insurance professionals need to be well-versed in educating their clients in terms that are easier to understand. A client who clearly understands what their policy does include or does not include is a client who can make the best decisions for their needs.

Protecting What Matters Most:

Insurance professionals understand their clients come to them looking to protect what matters most.  A brand-new car, a home purchase after years of saving, a business built from the ground up, and the security of life insurance are some reasons why clients look to insurance professionals for guidance on the best way to safeguard against the unforeseen events that may occur.  Each individual and situation is unique which is why insurance professionals carefully tailor policies to provide comprehensive coverage suited for each client.

Building Lasting Relationships:

Insurance professionals are more than just salespeople; they are relationship builders.  Understanding why their clients are interested in insurance policies tailored for their unique needs opens a discussion about their clients’ goals for the near and distant future.  The bond insurance professionals build with their clients allows them to become a trusted advisor who is there for them through life’s ups and downs.

Adapting to Changing Times:

The insurance industry is constantly evolving, with new risks emerging regularly. Insurance professionals must stay ahead of these changes, keeping up with the latest trends, regulations, and advancements in technology. National Insurance Awareness Day highlights their adaptability and resilience in an ever-changing landscape, demonstrating their commitment to staying at the forefront of the industry to better serve their clients.

Quincy Mutual Group takes pride in the expertise, empathy, and commitment our agency partners provide to their clients. They are an invaluable resource in navigating the complexities of insurance and play a vital role in protecting our community’s assets, livelihoods, and futures. If you are interested in finding a Quincy Mutual Group partner near you, visit our website.

Electronic Bicycles, also called e-bikes, have become increasingly popular in the US following COVID among drivers for delivery apps, like Uber Eats, and for commuters looking for an alternative to mass transit. They have found e-bikes to be a cost-effective form of transportation. While these bikes are zippy, they have a history of malfunctioning batteries that riders should be aware of!

According to Consumer Reports, between December 2021 and December 2022,, 202 fires were attributed to the lithium-ion batteries used to power e-bikes and similar transportation devices (like e-scooters) in New York City alone. These batteries, when poorly constructed, are left charging too long, are overcharged, or are over used can catch fire or explode, spreading the fire faster.

What can you do to lessen the chance of fire?

• Use the right charger: Always use the charger that came with your e-bike, and avoid using chargers from other brands. Additionally, make sure to follow the manufacturer’s instructions for charging your battery.
• Monitor the battery: Keep an eye on the battery while charging and do not leave it unattended for long periods. Also, avoid overcharging the battery or leaving it on the charger for too long.
• Proper storage: Store your e-bike in a dry and cool place, away from direct sunlight, and flammable materials. Also, avoid storing the bike in extremely cold or hot temperatures, as this can damage the battery. Try storing it in a detached structure if possible and avoid placing it at or near a doorway that could be blocked in the chance it does ignite.
• Regular maintenance: Maintain your e-bike regularly and have it serviced by a qualified technician as needed. This includes checking the wiring and connectors for signs of damage or wear.
• Use high-quality batteries: Invest in high-quality batteries from reputable manufacturers, as they are less likely to fail and are generally more reliable. Be mindful and refrain from the use of aftermarket batteries. Use the batteries manufactured by or approved by the e-bike manufacturer.
• Do not modify the bike: Avoid making any modifications to the bike’s electrical components or battery, as this can increase the risk of fire.
• Check for recalls: Keep up-to-date with any recalls related to your e-bike’s battery or electrical system, and have any necessary repairs or replacements done promptly.
• In the case of fire: Try to move the e-bike out of and away from the building as a lithium-ion battery fire can be extremely dangerous and difficult to extinguish.

Like any other vehicle, e-bikes also come with their own set of risks that may require insurance coverage. Here are some potential insurance risks to consider:

• Accidents: If you get into an accident while riding your e-bike, you may be liable for any damages or injuries you cause to others. You may also suffer injuries that require medical attention or damage your e-bike. Therefore, it’s essential to have liability insurance to cover any damages or injuries you may cause.
• Theft: E-bikes are a popular target for thieves because they are expensive and relatively easy to steal. To protect against theft, you may want to consider comprehensive coverage or adding theft coverage to your policy.
• Vandalism: Your e-bike may be vandalized, which can cause damage and require repairs. Comprehensive coverage can help cover the cost of repairs in this situation.
• Damage from natural disasters: Natural disasters like floods, earthquakes, and hurricanes can cause damage to your e-bike. Comprehensive coverage can help cover the cost of repairs or replacement in such cases.
• Personal injuries: E-bikes can travel at high speeds, and accidents can cause serious injuries. Personal injury protection (PIP) insurance can help cover medical expenses, lost wages, and other costs associated with personal injuries.

It’s important to note that insurance requirements for e-bikes may vary by state. It’s best to consult with your Quincy Mutual agent to determine the insurance coverage that best suits your needs. If you’re not a Quincy Mutual client yet, find your closest agent here.

Did you know that Quincy Mutual offers Equipment Breakdown & Service Line coverages for homeowners? These coverages are very affordable solutions to some pretty expensive problems.

𝗘𝗾𝘂𝗶𝗽𝗺𝗲𝗻𝘁 𝗕𝗿𝗲𝗮𝗸𝗱𝗼𝘄𝗻 𝗖𝗼𝘃𝗲𝗿𝗮𝗴𝗲

Equipment Breakdown protects you in the event of Mechanical, Electrical, or Pressure System breakdowns from televisions to security systems to pools and much more!

A single power surge could short-circuit the appliances in your kitchen; imagine paying for a replacement stove, refrigerator, dishwasher and microwave! What if your appliances are smart appliances? The cost could get out of hand quickly! This coverage would help pay to replace these items for you.

𝗦𝗲𝗿𝘃𝗶𝗰𝗲 𝗟𝗶𝗻𝗲 𝗖𝗼𝘃𝗲𝗿𝗮𝗴𝗲

If you thought the utility lines on your property were covered under your standard homeowners insurance or that it’s the city’s responsibility to pay for repairs to these, you are mistaken. Water pipes, gas lines, cable lines, sewer lines- all cost thousands of dollars to repair or replace if needed!

Service Line coverage protects you if there is damage to underground piping, wiring, valves or attached devices that connect a home to a public utility service provider or private system!

You can find an interactive link that explains more about these coverages here. You can also contact your local Quincy Mutual Group agent with questions or to add this coverage to your homeowners policy. If you’re not a Quincy Mutual client yet, find your closest agent here.

We’re officially in one of the most dreaded winter weather months — February. Historically, this month is infamous for heavy storms, frozen roadways, and the risk of dangerous conditions. In the coming days we know it is likely that temperatures will drop drastically. As you prepare for the cold, brush up on these safety tips.

Staying Warm and Avoiding Frostbite

• Dress warmly in several layers of clothing—wear boots, gloves, or mittens and a hat when going outside.
• Limit time outside for infants as they lose heat quickly.
• Make sure to protect your pets and ensure they are not exposed to extreme temperatures.
• Use the “buddy system” to monitor your physical reaction to the cold if you are going to be outdoors for an extended period of time.

Preparing your home

• Sealing any drafts if the first step to keeping the inside of your home warm and the cold weather out. Doors and windows can leak heat 24/7, but weather-stripping will give you an added layer of protection.
• Ensure all windows, storm windows and doors are closed; add insulation to prevent drafts.
• Maintain consistent temperature in the home greater than 65 degrees.
• Open cabinets and doors under sinks or where plumbing exists.
• Turn off water to outside faucets and spickets, and open valves to let them drain. Allow hot and cold faucets in kitchen and bath to drip or single control faucet in the middle. Know the location of your water shut off valve for your home. If a pipe freeze does occur, call a plumber, and keep the faucet open when thawing to allow water to flow. If a plumber is not available, gradually warm the pipe to restore flow.
• Make sure your fireplace, chimney, and furnace are all working properly in order to keep your home safe while heating it.
• Close your fireplace flue when you are not using it.
• Check current oil level, order fuel if necessary.
• Insulate exposed pipes (both hot and cold), especially under house, with foam insulation.
• Clean your gutters to avoid ice forming in them. Keep a roof rake on hand and clear excessive snow from the roof to prevent ice dams and avoid collapse if excessive amounts of snow fall.
• Reverse your ceiling fans to help distribute heat through the house.
• If a generator is used as backup, confirm it is operational and fuel is secured and stored properly.
• Check on your elderly neighbors.
• Check on any secondary or rental exposures to utilize the same loss prevention techniques as noted above.
• Have some important essentials in your home as a Winter Preparedness Kit in the case that you may need them:
  • Flashlights and batteries
  • Battery operated radio
  • Bottled water
  • Medications and first aid kit
  • Blankets, warm clothes, and heating alternatives
  • Non-perishable foods.

Preparing your vehicle

• If you can, fill up your gas tank.
• Make sure you have the proper tires for icy conditions.
• Having some important essentials in your car as well is also key:
  • Jumper Cables
  • Flashlight
  • First Aid Kit
  • Shovel
  • Ice Scraper
  • Warm Clothes
  • Hand Warmers
  • Blankets

Preparing your business

• Freezing temperatures could force businesses to close down for several days. Investing in generators can help to ensure businesses will have constant power.
• The ability to make arrangements to allow employees to work from home can help keep businesses operating if commuting becomes unsafe. If your employees still have to drive, remind them to take additional caution due to the winter weather. Drive slowly, give extra time to stop and change direction, bridges can be icy when other road surfaces are not, do not use cruise control during slippery conditions.
• It is always helpful to ensure that there is adequate business coverage, including loss of business income, to help in the case of these events.
• Here are some additional important things to note on winter preparation for your business:
  • Ensure the thermostat is set to at least 55 degrees Fahrenheit in all areas to keep pipes from freezing.
  • Turn off water to outside faucets and spickets, and open valves to let them drain. Allow hot and cold faucets in kitchen and bath to drip or single control faucet in the middle. Know the location of your water shut off valve for your home. If a pipe freeze does occur, call a plumber, and keep the faucet open when thawing to allow water to flow. If a plumber is not available, gradually warm the pipe to restore flow.
  • Open cabinets and doors under sinks or where plumbing exists.
  • Review winter storm contingencies and have alternative power options like generators.
  • Set expectation with employees and keep them informed.
  • If you are a landlord, you may want to send the information regarding preparing your home to tenants to keep them and the property safe as well.
  • Follow weather updates.
  • Add ice melt to sidewalks and periodically clear them to keep up with snow accumulation.
  • Add non-slip mats and fans for water removal by building entrances.
  • Hire a snow/ice removal service.
  • Repair any defects in sidewalks and walkways.
  • Inspect building insulation.
  • Add new tires to the business auto fleet.
  • Stay up to date on vehicle maintenance.
  • Maintain the roof of your building.