In the first place, he should make sure that adequate insurance is carried on his buildings and equipment so that in case of loss through fire there will be sufficient indemnity to permit the rebuilding of the destroyed or damaged structures. Lightning heads the list of the causes of farm fires and is frequently not reckoned with by urban residents who have seen little evidence of its destructiveness. In cities, points of electrical concentration are avoided by diffusion through piping, metal poles and a number of other conductors of electricity. The owner of a country home can secure quite complete protection from damage through lightning by the use of electrical conductors, usually called lightning rods, properly installed. Such equipment does away with 90 per cent of the risk caused by lightning.
In installing a system of lightning rods, it is well to observe a few simple precautions. The most exposed parts of a building should be provided with rods and the rod points should extend 3 to 4 feet above the structure. Conductors from the rod point should go in the most direct line possible to the ground and sharp bends in the conductors should be avoided. One of the most essential precautions is to thoroughly ground the conductors. Water pipes on the buildings furnish excellent grounding. The grounds for the conductors must be deep enough in the soil to reach permanent moisture. Lightning rods that are not properly constructed or properly grounded may be a worse menace than if no such protection is attempted. Specific methods of protecting farm buildings from lightning damage can be secured from state agricultural agencies or from reliable commercial firms which make a practice of erecting them.
Another cause of fires lies in unsound chimney construction. By using care and the proper materials in the building of chimneys, fire may be avoided. Chimney bricks should be laid flat rather than on edge, thereby practically eliminating the development of chimney cracks through which sparks can escape into floor spaces, attics and roofs.
Fire risks to residences and other buildings can be reduced by building the roof of fireproof or fire-resistant materials. Wooden shingles, while attractive and inexpensive, may become so dry at certain seasons of the year as to furnish tinder for sparks that may rise from a brush fire or from burning buildings in the vicinity. The use of slate or asbestos shingles is recommended for roofs and there are other materials now on the market which have fire-resistant qualities and can be safely utilized. Flying sparks carried along on high winds constitute little menace to those who have equipped their roofs with non-inflammable materials.
It is important to see that electrical wiring has been properly installed, and for this purpose it is safest to secure expert help. If the menace of fire is properly evaluated by the owner, he will naturally take suitable precautions to cope with it, both through utilizing adequate preventive measures and through having available equipment to make possible the smothering of accidental fires which may develop. The application of these available common-sense methods of fire prevention will practically eliminate the fire risk. An ounce of such prevention effort is to be stressed rather than placing dependence on means of fire suppression after the combustion occurs.
Do’s
Keep capital investment as low as possible.
If part of capital must be borrowed, select type of mortgage that can be paid off most conveniently.