Possessing a home fire is an extremely stressful situation and most of us hope we never need to go through it. We all believe “it won’t ever happen to me” but annually in Canada thousands of house fires happen, a number of them fatal. So what can we do to protect ourselves from this sometimes fatal occurrence? And what exactly do we do if it occurs? From your smoke detectors to home insurance, you need to be prepared.
Be Ready… Only in Case
When you purchase your home, you will be required to purchase home insurance along with your own insurance provider will pay for these basic steps:
- Have a working fire extinguisher in your home.
- Take stock of your own family’s personal possessions. A movie recording is the easiest thing to do, but an item-by-item list with your estimated worth is much better. (Store these off of the assumptions in a safety deposit box or something similar.
- Follow appropriate fire safety guidelines.
If you do not follow these steps, you may not be unwilling to be covered under your house insurance policy. Many men and women say that they will make certain attempts when they sign their house insurance types, but then go home and forget about the necessary measures.
In every home, people should practice fire safety and be aware of the everyday dangers that lead to fires. In 2002, over 9000 house fires in Canada were started by cigarettes or “smoking apparatus”. Look around your house and make sure you are taking the following precautions:
- Never overload outlets or power bars and always use the right pronged plugs for every outlet.
- Never consume anything electric near heat or water.
- Consistently clean out your dryer’s lint screen and be sure that 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 close to the elements.
- Check your smoke detectors at least one time per month to see if they’re in good working order.
- If you’re a smoker, be sure to properly extinguish your cigarettes, matches, and lighters. It’s best to use an outdoor container with water and sand.
- When you’ve got a wood-burning stove, then make sure it’s properly installed and far enough away from your walls.
What to Do if You Have a Fire
If a fire starts in your home the very first rule is to get everybody out of the home. Practice your evacuation plan if possible and get as far away as you possibly can. Once you have gotten from the home, visit a neighbor and call 911. Never return into a burning house. Remember to stay low, cover your mouth and nose with your clothes, and examine doorknobs until you catch them. And always remember the important instructions: Stop, Drop and Roll!
If by some chance you’re trapped in your house, put as much distance between yourself and the flame as you can. Cover your face with a wet towel in case you can and choose your cordless or cell phone with you in case you can to call for help and guide rescuers to your location.
After the Fire
The most important step following a fire would be to call your house insurance provider. Because of the seriousness and urgency of a home fire, insurance companies tend to create fire claims their top priority. Your home insurance policy provider can refer this fire restoration company who can complete the initial cleanup and drying procedure. You also need to discuss what’s covered on your policy and what isn’t. Following your home has been throughout the initial cleanup, you can then move on to a contractor who will restore your residence. Have your builders fill out the appropriate insurance forms and maintain an open line of communication with your insurance provider during the restoration procedure.
It’s likewise necessary to contact the bank where you have your mortgage or your mortgage broker to notify them of the flame and damage too.
Fires can get out of control very quickly, usually in under 30 seconds. Therefore, it’s very important to get out as fast as possible. Learn more tips for developing a fire escape plan here. For professional fire damage repair or smoke remediation support, speak to your regional PuroClean office, or visit them here.