Fire insurance claims are going through the roof. The problem comes down to the fact that homes are increasingly unsafe and as more fires break out, insurance claims increase. However, it seems the winter months are some of the worst for accidents and you need to take steps to protect your home. The following are just five simple tips to help prevent filing a claim.
Get a Home Inspector for an Annual Check-Up
Every home should receive a yearly inspection in order to ensure every area within the home, both externally and internally can be given the all clear. An annual check-up is important to help prevent a fire insurance claim being needed this winter. You can easily call for an inspector to come out and check on the condition of the home so that if there are problems, you get to know about them and can deal with them too.
Repair or Replace Broken Appliances
A broken appliance can be deadly! When you use an appliance which is run-down or broken you can actually risk starting a fire. If you want to avoid a fire insurance claim this winter you should look to upgrade or repair broken appliances as fast as possible. This really protects you and the home and its best to avoid potential risks too.
Check Smoke Detectors Once Every Two Weeks
Most experts say you should check on your smoke alarms once a month but in reality, it’s wiser to check every two or three weeks. Now, this might seem over the top but it’s not because batteries can go at any time and it’s important to keep on top of them. Whether you want to take or term insurance or fire insurance you need to ensure your fire detectors and alarms are working at all times. Also, when the batteries are failing, remember to change them.
Don’t Overload Sockets and Outlets
There are hundreds of fires each and every year that are started because of overloaded power outlets. This can be dangerous on so many levels and it is something you have to seriously consider. Winter months lead up to Christmas and that is when sockets and outlets are overloaded due to Christmas lights and all sorts; however, you don’t want to run the risks. Instead of overloading your sockets, cut back on the amount of electrical items being used. If you can, use surge protected adapters to prevent fire from breaking out. Remember, fire insurance companies don’t always pay out because of overload pocket outlets. Find more details here.
Keep Furniture Away From Naked Flames and Heaters
Furniture and even clothing can easily go up in flames when they are left on heaters for far too long. Now, you can accidentally place furniture, especially leather chairs near heaters and as the leather heats up, a fire can break out. This is easily done and it’s the same with naked flames. You can have a candle set up on a windowsill or around the home and accidentally allow it to catch fire to curtains and even clothes. However, keeping a safe distance from heaters and open flames can be one of the best ways to avoid a claim to the fire insurance company.
Keep Your Home Safe This Winter
The winter months are some of the worst for accidents because there is so much going on. However, when you know a few ways to reduce the risk of a fire breaking out you can hopefully avoid them completely. You might even be able to avoid filing a fire insurance claim this winter too.
More info in this link: http://abcnews.go.com/Business/PersonalFinance/story?id=3765251