Thursday, January 9, 2014

Prevent your pipes from freezing…

We’ve had many homes with bursting pipes in the past few days here in Middle Tennessee. Every winter, the pipes in your home are at risk of damage from freezing conditions.  Here are ways to avoid the problems before they can begin…

* Disconnect all gardening hoses.

* Most outside faucets have an interior shut of valve. Close this line at the shutoff valve.

* Keep your house temperature at 68 degrees or higher, even if you're leaving the house for an extended period of time.

* Open cabinet doors below sinks to allow heat from the home to circulate.

* Identify the location of the main water valve and the valve on your water heater. (Learning the location of these valves may come in handy during an emergency.)

* Wrap pipes nearest exterior walls and in crawl spaces with pipe insulation or with heating tape. This can prevent freezing, especially for interior pipes that run along outside walls.  Also insulate any exposed pipes in the attic.

* Close all windows near water pipes; cover or close open-air vents. Freezing temperatures combined with wind drafts can cause pipes to freeze more frequently.

* Heat your basement and consider weather sealing your windows.

* Insulate outside walls and unheated areas of your home.

* If you plan to be away from home for an extended period during the winter months, shut off the main water supply valve. Then open up the faucets and allow the water in the lines to drain out.

Monitor Freezing Pipe Conditions

* Allow a faucet to drip slightly (lukewarm water) in order to minimize freezing.

* The first sign of freezing is reduced water flow from a faucet.

* Check your faucets for water flow and pressure before you go to sleep and when you wake up.

* Check pipes around your water meter, in unheated areas, near exterior walls, in crawl spaces and attics.

* Identify cold air drafts coming in from a flue or chimney chase and caulk any gaps near pipes. 

If a Pipe Freezes

* If a faucet or pipe inside your house freezes, you can thaw it using a good hair dryer. (For safety purposes, avoid operating a hair dryer around standing water.)

* To thaw a frozen pipe, heat water on the stove, soak towels in the hot water and wrap them around cold sections of the pipes.

* When thawing a pipe, start thawing it nearest to the faucet. Make sure the faucet is turned on so that melted water can drip out. 

If a Pipe Bursts 

* Shut off water at the main valve. Make sure everyone in your family knows where the water shut-off valve is and how to open and close it.

* If the break is in a hot water pipe, the valve on top of the water heater should be closed.

* Call a plumber. Keep an emergency number nearby for quick access.

* Call your insurance company’s claims office


Here’s hoping you and your home’s pipes stay warm this winter!


David Yates Insurance Agency

1881 General George Patton Dr, Suite 103

Franklin, TN 37067

Phone 615-778-1816  Fax 615-778-1817



Tuesday, January 7, 2014

Am I shielded from a lawsuit if my teenager has their car and insurance in their name?

I’ve had lots of anxious parents in Franklin TN and Brentwood TN ask if they can avoid liability for an accident if they simply have their live-at-home child get insurance in their own name, particularly if they own their own vehicle. Are the parents’ assets then protected?

The answer is NO.You're still on the hook for your child -- until they're truly on their own.

As long as your son or daughter is financially supported by you, they’re tied to you, liability-wise, even with an auto policy in their name. That’s the consensus from all the insurance adjustors, underwriters and attorneys I’ve spoken with over the years. And that’s one of the first things a car accident lawyer will look at in putting together a lawsuit strategy against you. Of course, anything could happen in court, but the odds would definitely be stacked against you.

Even if you had the foresight to purchase an umbrella policy with extra liability coverage, your son or daughter won’t be included on it if they’re not listed on your policy.

You’re only truly safe once he or she is out of school, not a tax dependent on your return, is living on their own at a different address, and has the car in their name.

Sorry to break this news to you, fellow parents, but at least we’re all in the same boat!


David Yates Insurance Agency

1881 General George Patton Dr, Suite 103

Franklin, TN 37067

Phone 615-778-1816  Fax 615-778-1817