Protection Against Fire

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Sep 24, 2020

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Fire plays no favorites when it comes to home owners. Regardless of where you live or how secure you think it is, fire can intrude into your life. On a positive note, standard homeowners insurance is also fire insurance. On the negative side, no amount of insurance can restore a lost family heirloom or relieve the trauma of seeing all that you own burning up. There are proactive steps that you can take to lessen the odds of a house fire and to react correctly in case of a fire. Be sure to take time to consider the advice given in this article so that you can put it into action before it is too late.

Wildfire

Raging wildfires obliterate hundreds, possibly thousands of homes every year. Wildfires can start virtually anywhere, and the chances of stopping or slowing them down are very slim. Wildfires are such a problem in some places that the insurance companies insist that homeowners have additional wildfire protection, putting these fires in the same category as natural disasters like hurricanes and earthquakes.

Indoor Fire

The type of home fire most commonly experience is a fire that begins indoors. Electrical shorts, kitchen appliances, candles falling over; all of these and other conditions are the cause of many indoor fires. Because of the likelihood of an indoor fire happening at night when occupants are likely to be asleep, they are particularly dangerous. The majority of common house fires are usually covered under a standard homeowners insurance policy.

Lightning

Even though rain comes during thunderstorms, these storms are well known fire starters. Some people install lightning arrestors to prevent lightning strikes. Lightning is covered under a standard insurance policy at times, and is available as an option if it is not covered.

Fire Prevention

Be sure to unplug any extension cords that are not being used. When cooking on the stove, always stay in the kitchen. Immediately replace any appliance power cords that are damaged or frayed. Especially dangerous to anything in close proximity are bare wired. It is important to teach your family what to do in case of a fire, and to drill these steps on a regular basis.

Fighting A Fire

The absolute first thing you should do in case of a fire is to call emergency services. These professionals have superior equipment and training. The sooner you call them, the sooner they will be able to get help to you. After calling the emergency services, only use certified fire extinguishers to fight small fires. Never try to put out a kitchen or electrical fire with water! For small kitchen fires, salt and flour have been proven to be great fire retardants. Be sure to avoid using any type of cloth to extinguish fires. Every type of fabric either burns or melts.

In Conclusion

Take time to look your homeowner policy over to see what your coverage is. Whatever is not covered in your policy should be on your list of things to look into. No one can tell when a fire will happen, and no house is completely safe from fires, so be sure to have adequate coverage. Additionally, you should verify that your personal property is itemized by taking an inventory. This will help your insurance company to expedite the processing of your claim.

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