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All in One Insurance & Tag/Title Newsletter

"Autumn mornings: sunshine and crisp air, birds and calmness, year's end and day's beginnings." ~Terri Guillemets

Important Dates to Remember: 

  • MVA will be closed on November 4th & 11th, We WILL be OPEN!

  • MVA will be closed on November 27th & 28th in observance of Thanksgiving.


Safety Tip: Clean out those Chimneys! 

There is nothing more relaxing than a fire crackling in the fireplace while you bask in the warm glow. However without proper maintenance, fireplaces and wood stoves can be dangerous. Check out these tips on maintaining your fireplace. DIY.com has come up with a great way to check to make sure you, your home, and your family are all safe this winter, check out the article below. 

 

The warm glow of a fireplace is one of nature's simple gifts. To keep things simple and safe, clean the fireplace regularly and know that it is well built. It's also a good idea to have a professional initially inspect the fireplace and chimney even if you plan to clean and maintain it yourself, according to Ken Robinson, of the Chimney Safety Institute of America.

 

When the chimney is cleaned by a technician he will lay down a drop cloth, place lights, plug in a vacuum system, and have an array of tools and brushes at hand. But before the chimney is cleaned, key areas of the chimney are first checked:
From the lintel, which is the steel bar that supports the top of the opening up to the first combustible, should be at 12 inches high.

The bricks need to be inspected. Regular firebricks can't tolerate the higher temperatures that fire bricks are able to tolerate. The regular brick will begin to crack and the mortar will crumble. If you have regular brick, it's best to chisel out the old mortar and replace it with high-temperature cement.

 

Before cleaning, Ken puts on a respirator because it's unhealthy to have continued exposure to creosote dust. Creosote is unhealthy for the chimney as well since it's a combustible material up in the venting portion of the chimney. In that part of the chimney, everything above the damper is designed for hot gasses but not actual combustion. If a combustible substance overheats and catches fire, it can cause serious damage to those areas.

 

If you clean your own fireplace, the ashes and creosote can use sprinkled on flower beds, since they are a source of calcium and other nutrients.

 

During cleaning, the damper should be checked for correct positioning, ensuring energy conservation and fireplace safety.

 

With the vacuum running, a stiff brush is used to clean the fireplace walls. The damper ledge should always be cleaned, since creosote dust builds up there also.

 

The outside of the chimney should be checked for obstructions and wear.

 

A chimney cap, which has an important function in the proper functioning of a fireplace, should be installed if one isn't already in place. It keeps animals, rainwater, leaves and debris out of the chimney, and the mesh around the cap sides acts as a spark arrester.

 

Trees that overhang the chimney should be trimmed back; falling branches could cause damage to the chimney.

 

When burning wood, make sure it is seasoned -- not green wood.

 

When hiring a chimney sweep, look for a certified sweep, one who has taken a test on the standards and codes and knows how chimneys are suppose to be built. He should also have insurance and workman's compensation in case of an accident.

 

The Chimney Safety Institute suggests cleaning the chimney when creosote is 1/4 inch or thicker on the chimney walls. Schedule the cleaning at the end of the season, as acids in the creosote can damage fireplace mortar and when humidity combines with creosote, strong odors can result.


Community Involvement:

This time of year is when the food pantries really need all the donations that they can get. If you are at the store and can pick up an extra can or two, please do it and donate it!!

End Hunger in Calvert


Family Recipes

This is a recipe that has become a family favorite and we make it every Thanksgiving! It freezes great. From our home to yours (and food.com).

Prep: 10 minutes Total Time: 30 Minutes Serves: 6-8 Yield: 3 cups

Ingredients: 

  • 2 navel oranges
  • 1 (12 ounce) bags cranberries
  • 2 1/2 cups sugar
  • 1 cup water
  • 3 tablespoons Grand Marnier or 3 tablespoons orange liqueur or 3 tablespoons orange juice concentrate

Directions:

  1. Grate 2 teaspoons zest from the oranges and set aside.
  2. Using a sharp knife, cut away and discard the thick white pith from the oranges. Carefully cut between the membranes to release the orange sections. Set the orange sections in a colander to drain off the excess juice. (If you add the juice to the pan, it will be too watery.).
  3. In a medium, heavy-bottomed, nonreactive saucepan, combine the cranberries, sugar, water and the zest. Bring to a boil over medium heat, stirring often to help dissolve the sugar. Reduce the heat to low and simmer until the sauce is thick and the cranberries have burst, 10 to 15 minutes.
  4. During the last few minutes, stir in the orange sections.
  5. Remove from the heat and stir in the Grand Marnier.
  6. Cool completely.
  7. The cranberry sauce can be prepared up to 1 week ahead, covered and refrigerated. Serve at room temperature or chilled.

Our Locations

Owings

1999 E. Chaneyville Rd
Owings, MD 20736
Main office: 301-710-9990
Fax: 301-327-5131

Office Hours:

Mon: 9:00 AM - 6:00 PM
Tues: 9:00 AM - 6:00 PM
Wed: 9:00 AM - 6:00 PM
Thurs: 9:00 AM - 6:00 PM
Fri: 9:00 AM - 6:00 PM
Sat: 9:00 AM - 1:00 PM
Sun: Closed

Lusby

198 Village Center Dr
Lusby, MD 20657
Main office: (410) 449-6474

Office Hours:

Mon: 9:00 AM - 6:00 PM
Tues: 9:00 AM - 6:00 PM
Wed: 9:00 AM - 6:00 PM
Thurs: 9:00 AM - 6:00 PM
Fri: 9:00 AM - 6:00 PM
Sat: 9:00 AM - 1:00 PM
Sun: Closed

Our Providers

Testimonials

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Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
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- Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
- Susan T.