Fires are unpredictable and the damage caused can be extremely costly to repair. In 2015 there was an estimated 365,500 home fires, causing 2,560 deaths and $7 billion in direct damage. In the U.S., an average of seven people die everyday from house fires. By 2014, one of every 338 households reported a home fire per year. Thus, home fires are an important topic to discuss.
Common Causes of House Fires
There are a number of things that could cause a home or building fire. Some of the top causes are related to cooking, candles, heating, faulty wiring, and smoking materials. Other causes would include Barbeques or grilling equipment getting too close to the home or flammable materials. Flammable liquids getting too close to a heat source is another common cause of fires.
Taking precautions is key to minimalizing damage, if not preventing it altogether. According to the NFPA (National Fire Protection Association) key precautions include :
- Have an escape plan and practice it.
- Smoke detectors can cut the risk of death in half. So make sure the batteries are in place and working properly.
- Clean your heating system and fireplaces on a regular basis.
- Install sprinkler systems in your homes or offices. This can cut the risk of death by almost 80 percent as well as the direct property damage by 70 percent.
Since fires are unpredictable it is important to acquire insurance coverage before an incident occurs. Insurance would cover not only your home, but would also cover:
- Detached structures
- Personal belongings
- Some landscaping
- The cost of living if you have to stay somewhere else while your home is uninhabitable ( hotel stays and restaurant bills)
Fire protection is not only important for home but for businesses and rental properties as well. Every insurance policy can be different, so it’s important to talk with a professional insurance agent to know what coverages you have. For more information contact Barrick Insurance at (717) 632-7270.