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Home Emergencies 101

Surprise birthday party? Good. Surprise water in the basement? Very bad! Be prepared for these common crises at home and on the road.

After successfully fixing their leaky toilet, Barb Glenn and her husband, Larry, turned in for the night. A few hours later, Barb awakened to the sound of running water and got up to investigate. As her feet hit the carpet, cold water squished between her toes. Splashing her way down the hall, she discovered that the toilet had turned into a mini geyser, soaking all four of the bedrooms in their San Antonio, Texas, home.

"The night the toilet exploded" has become a family joke, but it's taken nearly two decades for the chuckles to outweigh the chagrin. Although a quick turn of the toilet shutoff valve stopped the water, cleaning up the mess took days. "It was awful," says Barb. "We thought we were saving money by fixing the toilet ourselves, but it ended up costing us more than $1,500 for a cleaning service and a real plumber."

Have you ever put your foot through the floor? Ever made an unplanned turn into a snowbank? From do-it-yourself horror stories to winter driving woes, home and auto emergencies happen to the best of us. Knowing what to do when life throws a curveball could save you time and money -- and maybe even your life. Here are some common quandaries and expert advice on what to do right now if they ever happen to you.

PIPING DOWN
It's freezing out and you turn on the kitchen faucet to brew some hot tea, but there's no water.

What to do now: First, shut off the water line. Not sure where your main shutoff is? Most are located in the basement, says veteran home inspector Nick Gromicko, founder of the National Association of Certified Home Inspectors. Then play sleuth to find out why the line has frozen. Is the heat off? Was a window left open in the basement? Has a crack in the foundation blown blasts of icy air onto a pipe?

Because water expands as it freezes, frozen pipes can damage plumbing lines, leading to slow leaks that can cause rot and mold. Conduct a leak check after water service has been restored. Gromicko recommends shutting off all sinks and tubs, then checking to see if the dial on the water meter is still moving.

BREAKING THE (SNOW) BANK
Slippery road conditions detour you smack-dab into a snowbank, where your car seems destined to remain until the first spring thaw.

What to do now: Try to push snow out of the way of the wheels by turning the steering wheel from side to side a few times or digging out with a shovel, advises defensive driving expert James Solomon of the National Safety Council (NSC). Ease forward, keeping a light touch on the gas. Don't spin the wheels or you'll dig yourself in deeper. Next, rock the vehicle, shifting from forward to reverse and back again. (Check your owner's manual first; this technique can damage some transmissions.)

If the car remains stuck, stay inside unless you're in the immediate vicinity of help; use a cell phone to call for aid. "A vehicle will be visible if someone is looking for you," Solomon says.

ICE CARPADES
While exiting the freeway, your car hits a patch of ice -- and suddenly you're sliding off the ramp.

What to do now: Vehicles don't make graceful ice-skating partners -- especially on ramps, bridges and overpasses, which tend to freeze first. "Once on the ice, it's too late to do much," says Solomon. Avoid icy skids by matching your speed to the road conditions and taking precautions on curves and turns by slowing down in advance.

To bring a sliding car under control, take the NSC's advice: Remove your foot from both the accelerator and brake pedals, unless your vehicle has an antilock braking system (ABS). In that case, depress the brake pedal as hard as possible until the vehicle stops moving. (Check your owner's manual to see if your car has ABS, which is able to pump the brakes faster than any mere mortal ever could.) Meanwhile, turn the steering wheel in the direction you want the front wheels to go and continue steering and countersteering.

EXCESS GAS
While digging in a row of hedges, you hit a natural gas line.

What to do now: Whether you feel the shovel strike, see a line laid bare, hear a hissing sound and/or smell the rotten-egg scent that's added to odorless natural gas, recognize that a damaged pipeline could create an explosion hazard. The national Dig Safely Campaign recommends moving away from the site, extinguishing any flames (including cigarettes) and immediately calling your utility company's emergency number or 911.

To avoid injury, costly delays and expensive repairs, contact your local One-Call Center (national referral hotline: 1-888-258-0808) to request that underground utility lines be marked before you dig. (It's a free service.) Even minor outdoor projects like setting a mailbox post should wait until you've checked the locations of underground utilities, some of which might be buried just inches beneath the soil surface.

WET FEET
After a heavy rainfall, your night-owl daughter discovers the basement laundry room is flooded with standing water.

What to do now: Walking through a wet or flooded basement could be dangerous because of the risk of electrocution. Alliant Energy, a Midwest provider of electric and natural gas services, warns homeowners to stay out of a flooded basement until the electricity is disconnected. Even though you probably need power to run sump pumps and wet vacs that could help you get rid of all that water, Alliant says the risk of electrical shock is just too great. Instead, it advises calling your electrical provider or fire department for assistance with disconnecting the power. Then have a certified electrician check for damage before getting hooked up again.

FRIGID FURNACE
Rousing from an all-too-realistic dream about exploring the North Pole, you're gripped by an icy chill. Your furnace has gone out in the night.

What to do now: Call a heating and cooling contractor, says Gromicko. If your furnace isn't out of fuel, it's probably broken and in need of professional help. Meanwhile, turn on all faucets to a slow flow of water so your pipes won't freeze.

OPEN DOOR POLICY
A local power outage leaves your automatic garage door stuck closed. That's not usually a cause for alarm, but your teenager's championship basketball game starts in an hour.

What to do now: Although an automatic garage door is usually the largest and heaviest moving object in a home, with its touch-of-a-button convenience, we often take it for granted -- until the power goes out. You can still get out of the garage when there's no electricity by pulling the opener's emergency-release rope and manually lifting the door. Consult your owner's manual for details specific to your model.

FLAMING FEAST
In a busy kitchen filled with relatives preparing their favorite dishes for the Thanksgiving feast, everyone overlooks the pan of onions frying on the stove -- and it bursts into flames.

What to do now: "Cooking fires -- particularly those caused by unattended cooking -- are the leading cause of home fires and fire injuries, so it's really important to pay attention," says Lorraine Carli, spokesperson for the National Fire Protection Association. A simple grease fire can escalate quickly, spreading to surrounding cabinets and other combustible materials and engulfing the kitchen or the entire house.

If grease or cooking oil catches fire, immediately slide a lid over the pan to smother the flame, Carli says. (Be sure to wear an oven mitt.) Then turn off the heat and slide the pan off the burner. Keep the pan covered until the contents cool to prevent the fire from restarting. If the pan overflows and the contents ignite, get everyone out of the house and call the fire department once you're all outside. Worth remembering: Never use water to extinguish a grease or oil fire. Instead, use a multipurpose fire extinguisher.

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