Before and After a House Fire – Your Home Insurance Checklist

​More than 350,000 home fires happen every year in the U.S., with Pennsylvania and California leading the count. Don't overlook preparations for a fire, and don't forget to check your home insurance for your fire protection coverage. Remember the following before and after tips.

Prepare For Fires 
Prepare for all kinds of fires (electrical, chemical, etc.). Use quality fire extinguishers, use fire-resistant building materials instead of light materials. Use steel, bricks, aluminum, concrete, or glass instead of wood. The fire-resistant glass should be used for windows and sliding doors. 

Create A Fire Escape Plan
Prepare your family by creating a fire escape plan. Take note of the safest and the most efficient exit point, designate who will carry essential articles and other essential tasks. We recommend assigning at least two exit points (one at the front and the other at the back of your home). It's best to practice or have a "fire drill" to see if everyone follows the plan. Time every drill and try to beat the best time.  

Invest in Quality Fire Prevention Techniques
Install a smoke alarm in every room, including bathrooms, garages, basements, attics, and kitchens. Make sure that these alarms work and change the batteries regularly. Test the alarms at least once a month. Use safe screens for open fireplaces, fireproof backsplashes for your kitchen, and non-combustible roofing and deck materials. 

Mitigate Damages After a Fire
If you're a victim of a fire, secure your property immediately after it's declared safe. Board up windows and all the doors to avoid any vandals that may enter your home. Turn off electricity and water and use a large tarp to stop leaks and further damage your property.  

File Your Fire Insurance Claim
As soon as the fire is out, contact your insurance company. You will be required to fill out a report called a "proof of loss," which is an itemized list of the things that you lost with their corresponding values. Different states have different claiming periods; in California, claims must be filed within 30 days.  

Conclusion
Check for living expenses reimbursement. Some homeowners policy allows you to get an advance on your claim. Insurers allow this to help homeowners pay for clothing, food, toiletries, and other items they need. You should keep tabs on all the things you purchased and track your spending.

At Desmond Insurance, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (859) 491-5100. You can also request a free quote by CLICKING HERE.