Fire Insurance Suggestion to prevent fire disasters
Fire insurance is one of the main needs for any homeowner, but what is important more than ensuring your home from a fire disaster is preventing that disaster from happening. Fire insurance California hopes you never need to our insurance and just choose insurance for the safety of your mind. Also, it is very important to have fire insurance but we suggest you some preventing tip to see how to make your home secured from fire.
Most home fires occur in the kitchen while cooking and are the leading cause of injuries from the fire. Common causes of fires at night are carelessly discarded cigarettes, sparks from fireplaces without spark screens or glass doors and heating appliances left too close to furniture or other combustibles. These fires can be particularly dangerous because they may smolder for a long period before being discovered by sleeping residents and fire insurance California support you after any of these disasters.
Home fires are preventable. The following are simple steps that each of us can take to prevent a tragedy before need to use fire insurance services.
Stay in the kitchen when you are frying, grilling or broiling food. If you leave the kitchen for even a short period of time, turn off the stove.
Wear short, close-fitting or tightly rolled sleeves when cooking.
Do not cook if you are sleepy, have been drinking alcohol or have taken a medicine that makes you drowsy.
Keep children away from cooking areas by enforcing a “kid-free zone” of 3 feet around the stove.
If you smoke, smoke outside. Most home fires caused by smoking materials start inside the home.
Make sure cigarettes and ashes are out. The cigarette needs to be completely stubbed out in some kind of ashtrays, such as a glass dish or a can filled with sand. Soak cigarette butts and ashes in water before throwing them away. Never toss hot cigarette butts or ashes in the trash can.
Check for cigarette butts indoors. Chairs and sofas catch on fire fast and burn fast, so don’t put ashtrays on them. If people have been smoking in the home, check for cigarettes under cushions.
Never smoke in a home where oxygen is used, even if it is turned off. Oxygen can be explosive and makes the fire burn hotter and faster.
Fireplaces and Woodstoves
Inspect and clean woodstove pipes and chimneys annually and check monthly for damage or obstructions.
Never burn trash, paper or green wood.
Use a fireplace screen heavy enough to stop rolling logs and big enough to cover the entire opening of the fireplace to catch flying sparks.
Make sure the fire is completely out before leaving the house or going to bed.
Store cooled ashes in a tightly sealed metal container outside the home.
Avoid Kitchen Fire with these Home Fire Safety Tips from Home Fire Insurance
Did you know that cooking fires are the most common causes of home fires and home fire injuries? Having a home fire insurance may help pay to repair or replace your home and its contents if they are damaged by fire.
Fire Insurance California prepared these safe cooking tips that can help you avoid fire in your kitchen.
Wear tight-fitting clothing that cannot drape over flames or into pans.
If you have long hair, tie it back.
Do not place oven mitts, hand towels or hot pads on or near the range.
When you are done cooking a meal, double-check to make sure that all appliances are turned off.
Unplug portable appliances when they are not in use.
When cooking on your range, turn on the vent hood fan to minimize any smoking.
If your gas range does not light on its own, be extremely careful when lighting it.
If The Event Of A Fire:
Turn off the gas or electrical appliance that is fueling the flames, if possible.
If the fire is in a pan on your range, cover the pan with its lid or a baking sheet. If this does not work, use a fire extinguisher or sprinkle baking soda on the pan.
If you are cooking with oil and it catches fire, DO NOT pour water on the flaming pan. This will make the fire worse.
Never place metal dishes or tin foil into the microwave, since it can cause sparking. If your microwave does spark without metal inside, turn it off and unplug it. Appliances that spark or give you shocks may be defective and in need of immediate repair.
Being mindful while you cook can go a long way to helping prevent kitchen fires. To make sure your home is protected from fire, talk to Fire Insurance California today at (844) 234-5600 to discuss your homeowners insurance needs!
Dwelling Fire Insurance Coverage Options in California
Dwelling Fire Coverage Options
If you own rental or investment properties, you need to protect them from a host of potential perils, including fire, lightning, vandalism, and theft. If your primary residence is located on the rental or investment property, a homeowners insurance policy in California would cover you from many of the potential risks. But what if you live somewhere else? A California dwelling fire policy may be the type of coverage you need to insure your rental or investment property from damages.
Dwelling Fire Policy Basics
Despite the name, a dwelling fire policy in California can protect your properties from much more than just fire damage.
The coverage is very similar to a California homeowners policy, with one significant difference—a dwelling fire policy is created for a landlord that does not make the property his or her primary residence. If you need to insure a rental or investment property but not the personal property inside, a dwelling fire policy is a smart decision.
To be eligible for a dwelling fire policy, the property generally needs to be one of the following:
Single family home
One- to the four-person family dwelling
An older home worth $50,000 or less
Vacation, seasonal or second home
Differentiating the Dwelling Policy Types
Just like homeowners policies, there are several different types of dwelling fire coverage. DP-1 is known as the basic form, DP-2 is known as the broad form and DP-3 is known as the special form. Each provides a significantly different level of coverage.
DP-1: Basic Form
The basic form is a “named perils” policy (that is, the policy explicitly names what perils are covered) and covers losses due to:
Internal explosions, such as a stove or water heater
There are two optional endorsements available with DP-1 coverage:
Vandalism or malicious mischief (V&MM)
Extended coverage, which includes damages due to the following:
Hail or windstorms
Aircraft or vehicles
Dwelling Fire Coverage Option
Claims under a DP-1 policy are settled on an actual cash value (ACV) basis by default—however, you can sometimes opt for a replacement cost value (RCV) policy for an additional cost.
The DP-1 form is usually the form of choice for vacant homes or properties, and it may be the only option for these dwellings.
DP-2: Broad Form
The broad form is also a named perils policy and covers the same perils as the basic form, with certain additions:
Extended coverage and V&MM coverage are automatically included
Weight of ice and snow
Glass breakage (as long as the building was not vacant for 60 or more days before a loss)
Accidental discharge or overflow of water or steam (as long as the building was not vacant for 60 days before a loss)
Falling objects (such as trees)
Freezing of pipes
Collapse (due to decay, vermin or insect damage, or other perils)
Tearing apart, cracking, burning, bulging
Unlike the DP-1 form, the DP-2 form settles claims on a RCV basis.
Loss of rent coverage may be included with a DP-2 policy. If tenants are forced to move out while the landlord repairs the dwelling due to damage caused by a named peril, this coverage would reimburse the landlord for rent lost during the process.
DP-3: Special Form
The DP-3 form is the most comprehensive dwelling fire coverage available. It is an “open perils” or “all risk” policy, which means real property (dwelling and other structures) will be covered for all types of damage, except those exclusions named in the policy. However, damaged personal property (all the items inside the dwelling and other structures) is covered on a named perils basis.
DP-3 form exclusions vary, but will typically include some or all of the following:
Fire Insurance California believes that prevention is better than cure. We all want to avoid fire and we cannot do it unless we have a proper action plan. Protect yourself and your co-workers safe with these fire safety preparation and prevention.
Lower the Risks of Fire
There are some simple things you can do to prevent fires:
Always comply with regulations.
Obey “No Smoking” signs.
Dispose of cigarettes and matches in the proper receptacles after ensuring they are completely extinguished.
Watch for frayed electrical cords and overloaded circuits.
Dispose of flammable wastes and scraps by placing them in metal containers.
Always store combustible materials in a safe area. Fumes can travel a considerable distance and become ignited by a furnace, stove, electrical equipment or even a lit cigarette. If you need to dispose of flammable liquids, do not pour them down the drain. Educate yourself on the proper method of disposal.
If you have to burn wastepaper, make sure it doesn’t contain explosive materials, such as aerosol or paint.
Inspect Equipment Regularly
Proper maintenance procedures are important to fire safety. If you use electrical equipment or tools, inspect them regularly to make sure they are working correctly. Keep mechanical equipment properly lubricated to avoid excessive friction. Keep spark arrestors on exhaust systems.
Preparing for a Fire
Become familiar with the location and operation of firefighting equipment.
Learn where fire extinguishers are located and what types of fires they are to be used on.
Participate in periodic fire drills to practice fire response procedures.
Become familiar with the different types of alarms used in your workplace.
Establish an employee meeting place.
When a Fire Breaks Out
If the fire alarm rings, always treat it as a true emergency unless you are told ahead of time it is a drill. Just because you do not see smoke or flames does not mean a fire is not present.
Always use the stairs instead of the elevator.
If the room fills with smoke, stay low to the ground and get out as fast—but as safely—as you can.
Protect yourself, your business and your property before it’s too late. When you are ready to purchase home fire insurance in California, contact us at (844) 234-5600. Our friendly and knowledgeable staff can provide you multiple home insurance quotes from the best homeowners insurance companies in California.