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Preventing and Thawing Frozen Pipes

Water has a unique property in that it expands as it freezes. This expansion puts tremendous pressure on whatever is containing it, including metal or plastic pipes. No matter the “strength” of a container, expanding water can cause pipes to break. Pipes that freeze most frequently are those that are exposed to severe cold, like outdoor hose bibs, swimming pool supply lines, water sprinkler lines, and water supply pipes in unheated interior areas like basements and crawl spaces, attics, garages, or kitchen cabinets. Pipes that run against exterior walls that have little or no insulation are also subject to freezing.

Preventing Frozen Pipes

Before the onset of cold weather, prevent freezing of these water supply lines and pipes by following these recommendations:

  • Drain water from swimming pool and water sprinkler supply lines following manufacturer’s or installer’s directions. Do not put antifreeze in these lines unless directed. Antifreeze is environmentally harmful, and is dangerous to humans, pets, wildlife, and landscaping.
  • Remove, drain, and store hoses used outdoors. Close inside valves supplying outdoor hose bibs. Open the outside hose bibs to allow water to drain. Keep the outside valve open so that any water remaining in the pipe can expand without causing the pipe to break.
  • Check around the home for other areas where water supply lines are located in unheated areas. Look in the basement, crawl space, attic, garage, and under kitchen and bathroom cabinets. Both hot and cold water pipes in these areas should be insulated.
  • Consider installing specific products made to insulate water pipes like a “pipe sleeve” or installing UL-listed “heat tape,” “heat cable,” or similar materials on exposed water pipes. Newspaper can provide some degree of insulation and protection to exposed pipes – even ¼” of newspaper can provide significant protection in areas that usually do not have frequent or prolonged temperatures below freezing.

During Cold Weather, Take Preventative Action

  • Keep garage doors closed if there are water supply lines in the garage.
  • Open kitchen and bathroom cabinet doors to allow warmer air to circulate around the plumbing. Be sure to move any harmful cleaners and household chemicals up out of the reach of children.
  • When the weather is very cold outside, let the cold water drip from the faucet served by exposed pipes. Running water through the pipe – even at a trickle – helps prevent pipes from freezing.
  • Keep the thermostat set to the same temperature both during the day and at night. By temporarily suspending the use of lower nighttime temperatures, you may incur a higher heating bill, but you can prevent a much more costly repair job if pipes freeze and burst.
  • If you will be going away during cold weather, leave the heat on in your home, set to a temperature no lower than 55° F.

To Thaw Frozen Pipes

  • If you turn on a faucet and only a trickle comes out, suspect a frozen pipe. Likely places for frozen pipes include against exterior walls or where your water service enters your home through the foundation.
  • Keep the faucet open. As you treat the frozen pipe and the frozen area begins to melt, water will begin to flow through the frozen area. Running water through the pipe will help melt ice in the pipe.
  • Apply heat to the section of pipe using an electric heating pad wrapped around the pipe, an electric hair dryer, a portable space heater (kept away from flammable materials), or by wrapping pipes with towels soaked in hot water. Do not use a blowtorch, kerosene or propane heater, charcoal stove, or other open flame device.
  • Apply heat until full water pressure is restored. If you are unable to locate the frozen area, if the frozen area is not accessible, or if you can not thaw the pipe, call a licensed plumber.
  • Check all other faucets in your home to find out if you have additional frozen pipes. If one pipe freezes, others may freeze, too.

Future Protection

  • Consider relocating exposed pipes to provide increased protection from freezing.
  • Pipes can be relocated by a professional if the home is remodeled.
  • Add insulation to attics, basements and crawl spaces. Insulation will maintain higher temperatures in these areas.
  • For more information, please contact a licensed plumber or building professional.

 

A.M. Best Upgrades Outlook to Stable and Affirms Financial Strength Rating of A- (Excellent)

A.M. Best Upgrades Outlook to Stable and Affirms Financial Strength Rating of A- (Excellent) for Cumberland Mutual Fire Insurance Company and its subsidiary, Cumberland Insurance Company, Inc.

Bridgeton, New Jersey-Jan. 29, 2014 –A.M. Best Co. upgraded the outlook ratings for Cumberland Mutual Fire Insurance Company (Cumberland Mutual) and its subsidiary, Cumberland Insurance Company, Inc. (CIC), to stable and affirmed the previous financial strength ratings of A- (Excellent) and issuer credit ratings of “a-.” A.M. Best Company (A.M. Best) is the insurance industry’s leading rating organization.

According to A.M. Best, these upgraded outlooks are due to both Companies’ “strong risk-adjusted capitalization and recently improved operating performance” which have resulted in large part from “management’s strategic initiatives.” A.M. Best attributed Cumberland Mutual’s strong capital position to its modest underwriting leverage and favorable loss reserve development while commenting that the excellent capital position of CIC was accompanied by five-year pre-tax returns on revenue and equity which compared favorably to the industry norms.

Updated underwriting tools and systems, a more focused underwriting approach, product enhancements, and territorial diversification, coupled with a year of less severe weather have resulted in improved underwriting results, operating earnings and surplus position in 2013. While working diligently to improve underwriting results and to update technology we are proud to maintain our long-term market presence and long-standing relationships through our independent agency force.

The Minerva Baseball Club of Bridgeton Wins Its 1st game

The Minerva BBC of Bridgeton won their first game on Sunday over the Brandywine BBC 19-9 at Pocopson Park in West Chester, Pa. The Brandywiners made a valiant comeback in the final inning but Minerva held on for the victory. The final game of the season is scheduled for Sunday, October 27 at 2 pm against the Philadelphia Athletics at Alden Field in Bridgeton to commemorate the first base ball game in Bridgeton 150 years ago.

The roster for the winning Minerva Baseball Team included the following:
Christie Willoughby, Ray Wilkerson, Sean Weir, Glenn Watkins, Mike Roche, Paul Kosherzenko, Norm Hetzell, Paul Ritter, Adam Lamanteer, and Will Fowler.

The Cumberland Bowling Team Takes First Place

The “Cumberland Islanders” recently captured first place in the Bridgeton Area Chamber of Commerce Bowling Challenge. The team, led by Captain Adam Lamanteer, included Linda May, Dee Nelson, Matt MacDonald and Laurie LaTorre. Adam also had the highest individual series for the evening and took home that trophy. 

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The Minerva Baseball Club of Bridgeton Plays its Inaugural Game

On Sunday, July 28th, The Minerva Baseball Club of Bridgeton played its first game at Alden Field in Bridgeton. Unfortunately, the team lost to the Diamond State Baseball Club of Delaware 12-5. Despite the defeat, it was a good time had by all. The roster for the Minerva Baseball Club was as follows:

Sean

Hercules

Weir

Rob

Downtown

Walsh

Christie

The Governor

Willoughby

Matt

Big Mac

MacDonald

Rich

The Hammer

Husted

Adam

Beaner

Lamanteer

Ray

Wheelhouse

Wilkerson

Lauren

Batwoman

DuBois

Paul

Road Runner

Ritter

Will

The Quartermaster

Fowler

Frank

Legs

Wilson

Norm

Stormin Norman

Hetzell

Colin

Skully

Scull

Brad

High Ball

Haldeman

Dave

Rottweiler

 

Glenn

Fungus

Watkins

Neal

Curly

Pierce

Bill

Stringbean

Cole

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The Minerva Baseball Club of Bridgeton Prepares for its Inaugural Game

The Cumberland Insurance Group’s “Minerva Base Ball Club of Bridgeton” has begun preparations for its first game. The team has been practicing several weeks preparing to play the Diamond State Baseball Club of Delaware. The game is set to be played on Sunday, July 28, at 3p.m., at Alden Field in Bridgeton NJ as part of the Bridgeton Invitational Tournament. The vintage base ball game will be played with rules from 1864. Two of the rules of the game back then is the players do not wear gloves and if you catch the ball on one bounce, it is an out. Also, the sport was two words in the 1860’s- base ball. It will be a fun day of base ball at Alden Field./upload/images/minervabaseball3.JPG

The Cumberland Insurance Group Voted Best in Cumberland County.

The Bridgeton Area Chamber of Commerce and Cumberland Development Corp. partnered with the South Jersey Times to collect votes from the public via official ballots that were published in the South Jersey Times. As a result of the voting, The Cumberland Insurance Group was elected by the voters as the best in the Insurance Company Category.

Thank you to all who voted!!

Recurring Electronic Funds Transfer (EFT) Now Available.

Cumberland is happy to present the availability of a recurring EFT payment option to our insureds for all lines of business. Payments can be made automatically through our insured’s checking or savings account with 1-pay, 2-pay, 4-pay, 10-pay and 12-pay options! Election of this service can only be made when the policy is first issued or at annual renewal. For more information, please contact your Cumberland Insurance Agent. 

Promotions Announced by The Cumberland Insurance Group

Glenn Watkins, Ken Mailley, and Cheryl Oswald were promoted to Vice President by the company’s Board of Directors.  

Glenn W. Watkins was promoted from Assistant Vice President to Vice President. Watkins has been with the company since 2000. He currently serves on the Board of the New Jersey Young Insurance Professionals and the Independent Insurance Agents & Brokers of Southern New Jersey as Treasurer. He received the NJ PIA Company Person of the year Award (2005), The NJ Young Insurance Professionals Distinguished Service Award (2007), The Howard Kucher IIABNJ Volunteer of the Year Award (2009), and The NJ Young Insurance Professionals Director of the Year Award (2011).

Kenneth M. Mailley, CPCU, AIC, was promoted from Assistant Vice President to Vice President. Mailley has been with the company since 2000. Previously he served as the Manager of the Claims Department. He is a current member of the Philadelphia CPCU Society.

Cheryl Oswald, CPCU, was promoted from Assistant Vice President to Vice President. Oswald has been with the Cumberland Insurance Group for more than 30 years,and as part of Chester County Mutual Insurance Company. Cheryl is a member of the Valley Forge Chapter of CPCU, President of the Insurance Field Reps of Delaware, Board Member of the Sparks Club, and member of the IA&B and DAIAB.