When you have a claim, you realize that it is more important to be properly insured than to save a couple dollars.

Residential Fire Awareness

It is 6:00 P.M., and a mother has just begun preparing the evening meal. As oil is warming in the wok, she runs downstairs to grab some needed supplies from the pantry. In a matter of mere minutes, the fire alarm is screaming, and she races back to the kitchen to find flames three feet high dancing over her wok. Thinking quickly, she smothers the fire by dumping a box of baking soda on what was to become their dinner. The house is filled with smoke, children are screaming and the microwave mounted above the stove is toasted, but they are safe. The curtains next to the stove were not singed, the wood cabinets were unaffected.

The scenario described above ended better than it could have. It resulted in a new microwave, a few hours of cleaning and a couple cans of paint. According to a recent U.S. Fire Administration study, on an annual basis, fire departments across the country are called to 360,900 fires, resulting in “2,495 deaths, 13,250 injuries and $7 billion in property losses.” This research also found that residential building fires peaked between 5:00 to 8:00 P.M., typically while people are cooking dinner.

What can be done to reduce the likelihood of a death, injury or property loss as a result of a residential fire?

  • Install smoke detectors, and replace the batteries regularly
  • Have a fire extinguisher available in high risk locations (kitchen, garage, furnace area etc.)
  • Have a fire escape plan (what to do and where to go)
  • Make sure everybody knows the plan.
  • Perform fire drills
  • Regular maintenance and cleaning of fire places

The Merriam Insurance Agency wants to make sure you and your family are safe. You put your trust in us so as to make sure your insurance will respond in the event of a loss. We want to help you prevent such a loss from happening. For this reason, we are providing a free smoke detector to every new client that has a Homeowners policy with us.

Joshua D. Crowder, AAI-M

Joshua D. Crowder, AAI-M

Josh joined the Merriam team in 2011 in a management and production capacity. He holds a BS in Economics from Siena College and has more than 10 years in the Commercial Banking and Municipal Finance arenas. Josh holds his New York State Property and Casualty, and Life, Accident and Health licenses. He is currently pursuing a Master’s Degree from Mid America Baptist Theological Seminary, and is simultaneously studying to increase his depth of insurance knowledge. Josh is married and the father of six children. He is thrilled to have the opportunity to provide his clients with the personal attention and value in service that they expect.

Operations Manager
Schenectady, NY

Toll-Free:
(877) MERRIAM x 224
(877) 637-7426 x 224

Joshua D. Crowder, AAI-M

About Joshua D. Crowder, AAI-M

Josh joined the Merriam team in 2011 in a management and production capacity. He holds a BS in Economics from Siena College and has more than 10 years in the Commercial Banking and Municipal Finance arenas. Josh holds his New York State Property and Casualty, and Life, Accident and Health licenses. He is currently pursuing a Master’s Degree from Mid America Baptist Theological Seminary, and is simultaneously studying to increase his depth of insurance knowledge. Josh is married and the father of six children. He is thrilled to have the opportunity to provide his clients with the personal attention and value in service that they expect.

Operations Manager
Schenectady, NY

Toll-Free:
(877) MERRIAM x 224
(877) 637-7426 x 224