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When You Want to Stay in Hot Water, here’s how:

If it’s doing its job, you don’t give it a second thought. But when hot water is elusive for your morning shower and that sink full of dishes, or even worse, its contents are inches deep on the floor and seeping through the walls, your water heater has your full attention.

The average life span of a water heater is about 10 years. Rusting and build up of sediment in the tank could shorten its life while some preventative maintenance may extend it.

What can you do to make life a little easier on your water heater?


  • Twice a year, drain a bucket of water from your hot water storage tank until it runs clear (about five gallons). This removes sediment that absorbs heat energy and causes the unit to waste fuel. Be sure to check the owner’s manual for instructions.

  • Anti-corrosion anode rods in your water heater protect against rusting. The anode attracts corrosion that would otherwise attack the tank’s wall. Having a plumber replace the anodes every three to four years could add to the life of your tank.

  • Strapping your water heater to the wall studs can help to keep it from breaking loose of its connections during an earthquake. Insulating the storage tank and pipes can help reduce heat loss. Kits and materials for both these projects can be found at hardware stores or home improvement centers.

  • For gas-fueled water heaters, check the flue assembly twice a year to be sure it’s properly aligned and all its joints are sealed. If you ever smell gas, leave your house immediately and call your gas company for help.

Crop Insurance
Crop Insurance is the largest single source of financial protection to farmers

There are two kinds of crop insurance: crop-hail, which is provided by the private sector, and Multi Peril, an all-risk coverage underwritten by the private sector and the federal government and serviced mostly by the private sector. Crop-hail insures against loss of the value of a crop as a result of damage by hail. Multi Peril insurance covers loss of crop value as a result of all types of natural disasters, including drought, excessive moisture and unusually hot weather.

There have been sweeping changes in the federal Multi Peril crop insurance program in recent years. Up to 1995, only about one third of farmers bought federal Multi Peril crop insurance because, in the event of a disaster, they could generally rely on Congress to bail them out with disaster assistance and emergency loans. With the passage of reforms in 1995, Congress made it harder to justify legislation granting disaster. It also took other steps to encourage farmers to buy insurance against loss of income due to natural disasters, requiring new types of products, such as revenue protection, to make crop insurance more attractive and subsidizing a portion of the basic traditional coverage that protects against loss of yield.

Call or visit a friendly Stonebraker McQuary agent to find out more or get a quote.

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