Fire Safety And Insurance

Fire Safety And Insurance



Fire Safety and Insurance
Insurance is​ one of​ the​ things which is​ thought about until when asked for .​
If you​ own a​ house,​ the​ whole responsibility is​ on​ you​ .​
But if​ you​ are living in​ an​ rented apartment,​ and there is​ fire due to​ a​ burning pan left by your neighbor unattended,​ it​ will be your responsibility again because you​ didn’t buy a​ renter’s insurance .​
Therefore,​ everyone is​ prone to​ danger,​ no matter if​ the​ fire is​ due to​ human err of​ a​ natural disaster .​
Renter’s insurance dose not cost more than a​ pizza deliver in​ a​ month .​
Majority of​ the​ renter’s insurance plans cover fire damages too .​
Discussions can be made with the​ insurance agents and insurance plans can be selected which covers the​ needs .​
Some insurance plans even cover really valuable objects such as​ your wedding rings .​
When buying a​ fire insurance policy it​ is​ necessary to​ think more than the​ house value .​
Suppose if​ the​ cost of​ the​ house is​ $200,​000 and the​ insurance only covers the​ structure cost,​ then it​ would easily take more than this amount to​ rebuild the​ house in​ case of​ any disaster .​
This estimate included everything from rebuilding the​ house to​ possessions like jewelry to​ flatware .​
It is​ important that owners and renters make an​ inventories of​ the​ objects they posses in​ their homes .​
It would be very smart to​ take pictures of​ the​ contents of​ your home and store it​ in​ a​ sage or​ a​ lock box in​ order to​ achieve peace of​ mind .​
When you​ go through the​ process of​ claims,​ many questions such as​ How many dishes were there in​ the​ flatware? will arise,​ which will be very difficult to​ answer then .​
Insurance companies will reduce the​ periodical premium to​ be paid if​ there are no bushes or​ flammable materials surrounding the​ house .​
In case of​ fire,​ the​ bushes or​ the​ flammable materials engulf the​ house and burns it​ down earlier than otherwise .​
Clearing these materials also helps to​ create defensible space for the​ firefighters .​
Although bushes provides a​ beautiful view,​ they also risks the​ life the​ inhabitants of​ the​ house .​
If the​ insurance is​ claimed in​ case of​ accident,​ on​ one hand it​ will help to​ restore the​ damages but on​ the​ other hand this process will increase the​ periodical premium .​
So in​ every case,​ prevention is​ better than cure .​
Firstly install smoke detectors in​ the​ house,​ especially in​ kitchen and rooms in​ which the​ family sleeps .​
They should be checked every month and must be replaced if​ they are older than ten years .​
The oil burner should be checked periodically by a​ professional .​
Do not leave electric appliances such as​ dishwashers,​ washing machine,​ heaters on​ when not at​ home or​ when you​ go to​ bed .​
Every floor of​ the​ home must be equipped with at​ least one fire extinguisher .​
House should have two exits so that if​ one of​ them is​ blocked,​ the​ other one can be used .​
It is​ better to​ have a​ fire safety plan before hand and let the​ whole family know about it .​
If there is​ a​ pet in​ the​ house,​ the​ plan should also include the​ pet .​
Be careful while burning candles because they produce lots of​ soot which can damage the​ ceilings,​ floors and walls .​
It can also damage the​ personal belongings .​
They should be burned in​ a​ safe place away from curtains,​ loose furniture fabric,​ people,​ children and pets .​
According to​ a​ research done by the​ Consumer Product Safety Commissions in​ 2001,​ fires caused by candles were due to​ existence of​ a​ combustible substance within close proximity of​ the​ candle .​
Another major reason for candle fire is​ tipping of​ candle by pets or​ children or​ knocking over by the​ wind .​
Extra care must be taken when burning gel candles as​ they burn longer than the​ wax candles,​ thus increasing the​ risk.
People usually are seen wondering whether they turned off the​ stove burner or​ not .​
People should make it​ a​ habit to​ double check electrical appliances and other instruments which can lead to​ fire,​ before leaving the​ house or​ before going to​ sleep .​




You Might Also Like:




No comments:

Powered by Blogger.