Will your Home Insurance Provider cover a home fire? The short answer is yes, but usually, the inconvenience and damage to property and life are so huge that a check from your provider will not mean much. It is therefore super important that you do whatever you can to ensure that your home is free from things that start fires, and you practice a fire-safety lifestyle at home. Below are a few things Kahrl & Company would like you to know and share with other family members.
Basic Home Fire Numbers:
The US Fire department responds to over 355, 000 home structure fires each year. Out of this, there are about 2500 deaths, 11,600 injuries and about $6.5 billion in property damage. This means on the average, 7 people die in a home fire every day.
Home fires often occur when people are at home, actively preparing dinner or engaging in household activities. House fires and house fire deaths occur more in the colder months (between November and March) when people stay indoors. In 2012–2016, 47% of home structure fires and 56% of home structure fire deaths occurred in the five months of November through March. Fires occur most in the evenings when people are at home and during the colder months.
Fire culprits at home:
Cooking is the number one cause of home fires. It accounts for about 48% of all causes. Heating systems also account for about 15%. Electrical distribution and lighting equipment, such as outlets, wiring, switches and cords accounts for about 10% of home fires. Others include arson and smoking. Pay attention to cooking and heating equipment.
A house fire, especially when the household is asleep, can be deadly because smoke and deadly gases spread faster and farther than the heat from it. The smoke contains very toxic gases and breathing it can kill even before the heat from it. About two-thirds of home fire deaths occur in homes with no smoke alarms or no working smoke alarms. It is therefore very important to have smoke alarms installed in many places in the house. These devices also need to be checked, tested and maintained on a monthly basis. The earlier a fire is discovered, the more time that is available for escape. Install and maintain smoke alarms. Have a fire plan.
There has been considerable progress made in developing safer products that mitigate human errors and improve safety. If you need to replace heating equipment, irons, cooking and other electrical equipment, be sure to consider options that are designed with fire safety in mind. It may be the most effective and inexpensive approach to fire prevention. In addition, a regular conversation with children and other family members about fire safety at home is also vital in preventing fires at home. Prevention is key!
Kahrl & Company will be happy to advise and help you make the best decisions regarding the kind of policy you need and what you can do to save some money. At Kahrl & Company, we can help.