This article is from the newsletter of McElhoes & Duffy Insurance Brokers, Unit 1, 604 St. Mary's Road, Winnipeg, Manitoba R2M 3L5, Canada, www.mcelhoesduffy.com
Having a fire in your home is probably one of the most devastating events that can ever take place. Although your home insurance may cover the cost of your items and rebuild your home, the PRECIOUS MEMORIES and SENTIMENTAL ITEMS can never be replaced! Make your home as safe as possible and PROTECT your memories as well as the people and pets of your home. Home fires cause incredible amount of damage in combination with fire, smoke and water. The following are proactive fire prevention tips to help stop a fire before it starts.
Equipping your home with fire safety devices is a must. Most are installed with equipment that will provide warnings which can help stop a fire before it spreads. The first step of defense against house fires is smoke detectors. In order to be effective, they need to be installed in all major areas of the home. ALWAYS check the battery on a regular basis. Have a quarterly or semi-annually REMINDER in place to change batteries or check the functionality of the detectors. This simple device can very well save your life! A fire extinguisher should also be kept on your premises, usually in the kitchen or the garage, or any other place where a fire can start easily. Check them on a regular basis as well to be sure they are in good working order. It is also VERY IMPORTANT to know how to use the extinguisher prior as opposed to learning in the event of a fire.
AVOIDING fire hazards is the most conscious action you can take. One of the easiest things to do in order to prevent a fire is NOT to allow smoking inside of your home. Cigarettes are one of the leading causes of fire in homes. Even cigarettes that appear to be put out actually smolder in the ashtray which can lead to fire. Do not keep anything flammable near the fire place, and have your chimney cleaned annually before the winter season. ALWAYS make sure the hearth area of your fireplace meets the fire code, and consider fireproof materials for rugs and carpeting in the room the fireplace is in. ALWAYS use caution when burning candles or incense, and NEVER leave them unattended!
Teaching fire safety in a home that has CHILDREN and SENIORS is vital. Take the time to explain and teach them how fires are started, and the potential outcome of this devastating event. Keep matches, lighters, and other sources of flames out of the reach of children. Anything you can do to be fire safe will only benefit you, your loved ones, and your home in the long run and avoid submitting a home insurance claim.