Home Fire Safety, Prevention and Insurance Guide2021-04-23
Possessing a house fire is an extremely stressful situation and we all hope we never have to go through it. We all think “it will never happen to me” but annually in Canada thousands of house fires happen, a number of them deadly. What do we do to protect ourselves from this sometimes fatal occurrence? And what exactly do we do if it occurs? From the smoke detectors to house insurance, you have to be prepared.
Be Prepared… Just in Case
When you purchase your home, you will be required to Buy home insurance and your own insurance provider will pay for these basic steps:
- Take inventory of your and your family’s personal possessions. A video recording is the easiest thing to do, but an item-by-item list along with your estimated worth is even better. (Store these off of the assumptions in a safety deposit box or something similar.
- Have working smoke detectors.
- Have an evacuation plan.
- Follow appropriate fire safety rules.
If you don’t comply with these steps, you may not qualify to be covered under your home insurance coverage. A lot of men and women say that they will make certain efforts when they register their home insurance types, but go home and forget about the necessary steps.
In every home, people should practice fire safety and be conscious of the everyday dangers that lead to fires. Back in 2002, over 9000 home fires in Canada were launched by cigarettes or “smoking devices”. Look around your home and make sure that you’re taking the following steps:
- Never overload outlets or power bars and always use the correct pronged plugs for every socket.
- Never consume anything electrical near water or heat.
- Consistently clean out your dryer’s lint screen and make sure it is vented to the exterior of your home.
- Have your furnace checked and regularly maintained.
- Never leave a hot stove unattended or leave dishtowels near the components.
- Never leave lit candles burning unattended or near open windows or loose material/clothing.
- Check your smoke detectors at least once per month to find out whether they are in good working order.
- If you are a smoker, make sure you properly extinguish your cigarettes, matches, and lighters. It’s best to use an outdoor container with sand and water.
- If you’ve got a wood-burning stove, then make sure it’s correctly set up and far enough away from your own walls.
What to Do if You Have a Fire
If a fire starts in the home the very first rule is to get everyone out of the house. Practice your evacuation strategy if possible and get as far off as possible. As soon as you’ve gotten from the house, go to a neighbor’s and call 911. Never return to a burning home. Don’t forget to stay low, cover your mouth and nose with your clothes, and test doorknobs until you catch them. And always remember the vital instructions: Stop, Drop and Roll!
If by some chance you are trapped in your home, put as much distance between yourself and the fire as you can. Cover your face with a wet towel if you can and take your cordless or mobile phone with you if you can to call for assistance and direct rescuers to your location.
After the Fire
The main step following a fire would be to call your home insurance policy provider. Due to the severity and urgency of a house fire, insurance businesses have a tendency to make fire claims their priority. Your home insurance provider can refer fire restoration firms that can complete the initial cleanup and drying process. You should also discuss what is covered on your policy and what isn’t. Following your house has been throughout the first cleanup, you can then move on to a contractor who will restore your house. Have your contractors fill out the proper insurance forms and maintain an open line of communication with your insurer during the recovery process.
It’s likewise necessary to contact the bank where you have your mortgage or your mortgage broker to notify them of their fire and damage too.
Fires can escape control very quickly, usually in less than 30 seconds. Therefore, it’s very important to get out as fast as you can. For skilled home restoration companies, fire damage or smoke remediation service, speak to your local PuroClean office.