Have you ever considered purchasing a home generator?

Many times during storms, extreme heat, or a natural catastrophe, unfortunately we experience the loss of electrical power. Many of you can agree that power outages are an extreme nuisance. Extended periods of power loss can be a serious issue, as they can cause problems such as loss of perishable items, damage to property that is vulnerable to extreme temperatures and personal endangerments caused by overheating or freezing.

Homeowners have an option to protect themselves, and that is by using home generators. Generators temporarily supply electrical power to run household appliances and utilities. Home generators come in two basic forms, portable generators and standby generators. Portable generators lower powered units that operate externally from a home’s wiring system, while standby generators supply high-power hits that are attached directly to a home’s wiring system and takes over automatically when loss of utility power occurs.

It is critical to take proper precautions to make sure there is no harm or injuries while installing or using a generator. Installations of standby generators should be performed by a licensed electrician and it is necessary to inspect them before initial use. All generator installations should include a proper transfer switch to insure that electrical power is switched properly from the generator to a utility supply when power is restored. Local utilities should be notified when an installation has occurred.

There is a list of procedures that individuals must adhere to when dealing with portable generators. The procedures are the following:

  • generators should be placed outside the home in a ventilated area
  • generators should NOT be located near window or doors since carbon monoxide exhaust could find its way into your home and cause dangerous, possibly fatal situations
  • while making contact with generators, proper care must be taken to prevent burns
  • generators should NEVER be plugged into the homes outlets, as it can cause damage to wiring and endanger utility personnel (*backfed power can be transmitted through power lines at fatal power levels)
  • generator power should be matched with essential power needs such as core appliances and heating/cooling appliances
  • generator power should NOT be overloaded because it will cause damage to the generator, powered appliances, etc.
  • generator fuel should be stored properly and refueling should take place ONLY after the generator has been cooled after being turned off

Generators can help get you power when and where you need it during temporary power outages. However don’t forget, care MUST be taken to be sure that they don’t generate problems rather than generate solutions!

If you have any questions about your existing policy, are inquiring information about a possible future policy or need further information, please call us at (631) 738-7300 or get a quick quote at www.vrpinsurance.com

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