Insurance Blog
Monday, 21 November 2016 15:54

Fry the Turkey, Not the House!


 

Thanksgiving is near and visions of fried turkeys already are dancing in more than a few heads.

Yet even as you are salivating, our Baldwin / Welsh & Parker Trusted Choice® independent insurance agent hastens to caution you. The old joke that men love cooking only if it involves flames and danger is not so funny after an accident. Every year too many folks are harmed and homes are burned due to the combination of large pots of hot oil and big turkeys. Your homeowners' insurance may respond for the fire damages and your health insurance for the emergency room visit, but is that really the new Thanksgiving tradition you had in mind?

Fried turkey can be a great alternative to traditional oven-roasted fare, but be certain to take into account the much higher risk factors. Use a fryer designed specifically for turkeys, rather than jury-rigging other cooking equipment. Once you have the proper fryer, follow a few tips from the experts that can make the difference between taste sensation and flaming disaster: 

  1. Turkey deep fryers should always be placed outdoors, on a flat, preferably concrete surface located a safe distance away from anything combustible. Never use a turkey fryer in the garage, on a wooden deck, or anywhere near the house.
  2. Never leave the fryer unattended. Even after you are finished cooking, do not let pets or children near the unit. The oil in the fryer remains extremely hot for hours after cooking.
  3. Keep a fire extinguisher handy. The best is a Class K wet chemical fire extinguisher. If fire erupts, do not throw water on it. Water cannot extinguish a grease fire and will cause the oil to spatter violently. Use common sense. If the fire is small, use the extinguisher, but dial 911 for emergency assistance before the blaze becomes unmanageable.
  4. Use oil with a high smoke point, such as peanut or canola.
  5. Do not overfill the turkey fryer. If oil spills over?because the turkey is too large or the oil level is too high?flames can engulf the unit and endanger bystanders. Before frying, conduct this test: Put the unseasoned turkey into an empty fryer. Then fill the fryer with water until the turkey is fully submerged. If the turkey fits comfortably, mark the water level. When preparing to cook, dry the fryer thoroughly. Then fill it with oil to an inch shy of your level mark to allow for expansion of the oil as it heats. 
  6. Thaw the turkey completely and dry it with paper towels. Injected marinades are fine, but season the turkey skin with a dry rub. Excess water in a partially frozen or wet turkey will cause the pot to bubble over, resulting in a fire hazard. The National Turkey Federation recommends 24 hours of thawing for every five pounds of bird before cooking in a turkey fryer.
  7. Most turkey fryers do not come with a thermostat, and if left unattended may overheat, resulting in combustion. Turkey fryer thermometers and other accessories are available.
  8. Use heavy oven mitts or well-insulated potholders. The lid, handles, and sides of the cooking pot become very hot, posing a severe burn threat. Protective eyewear is also recommended.

Your Trusted Choice agent at Baldwin / Welsh & Parker Insurance always stands ready to offer advice and a comprehensive review of your current insurance coverage and needs. But when it comes to safety, remember: The best claim is the one you never have to make. Whether you’re tending a deep fryer or waiting on the timer to go off on your oven, be safe this Thanksgiving and holiday season.

Published in Homeowners
Friday, 18 November 2016 16:05

Don’t Be a Turkey: Home Safety Myths

From Trusted Choice

 

While there may be no place like home for the holidays, Baldwin / Welsh & Parker Insurance agency hastens to remind you that persistent myths about home safety cause unnecessary home dangers. Here are just a few commonly accepted “safety tips” that may be increasing your chance of damage and injury:

  1. Frying turkeys is safe, as long as you use the proper equipment. Even with the best equipment designed specifically for frying turkeys, experts have an extensive list of additional safety precautions. Those include: proper thawing, proper filling, use of protective gloves and eyewear, proper placement of the fryer on a level surface away from flammable areas, and keeping the correct type of fire extinguisher handy.
  2. You can test a smoke detector just by pushing the button. No, that just tests the battery. What about actual detection of smoke or fumes? One recommendation is to put two or three wood kitchen matches together, light, blow out the flame, then hold near the smoke detector to see if it reacts to the smoke.
  3. Stone countertops are indestructible (meaning, they don’t burn or break). While some materials are clearly more resistive to heat and flame, no countertop is totally immune from damage if extremely hot pots are placed on the surface; cracks, scarring and chipping from harsh treatment or certain cleaners can also make render your favorite kitchen upgrade more susceptible.
  4. If you do it yourself, there is no need for an official inspection. Governmental permitting and inspections are intended to verify that materials and techniques are safe and that they comply with local building codes. Even when doing it yourself, check with local authorities on proper permitting and availability of trained inspectors to help assure your “fix-up” doesn’t turn into a “breakdown” or worse.
  5. Basements sustain water damage through the floor. Most water enters a basement from the sides or above. If you want to protect your basement (can you say “man cave”?) and its valuable contents from water damage, then make weatherstripping the windows a higher priority than waterproofing the floor.
  6. New house equipment needs little or no maintenance. While it is true that newer equipment should be inherently safer, the increased amount of electronics in upgraded models makes following the manufacturers’ recommended maintenance procedures even more important. Those electronics also make newer equipment more susceptible to cold weather power outages and brownouts. And a winter holiday when your home is filled with friends and relatives is the exact wrong time to lose your heater.

Be mindful of these and other common safety misconceptions, so you can spend the holidays celebrating, not frantically redialing your contractor’s emergency number.


When More Than the Turkey Gets Fried

Did you know that a large percentage of home fires occur during the holidays? And while decorations and Christmas trees are major causes, turkey fryers are rapidly becoming a significant cause. According to the National Fire Protection Association, each year deep fryer fires cause an average of:

  • 1,000 home fires
  • Three times the fire damage of other forms of cooking
  • Five deaths
  • Sixty injuries
  • More than $15 million in property damage
Published in Homeowners

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