Recent Fire Damage Posts

Understanding Homeowners' Insurance Coverage for Fire

10/19/2022 (Permalink)

Homeowners Insurance Policy Having a homeowners’ insurance policy is always a good idea.

Understanding Homeowners' Insurance Coverage for Fire

For many people, a house is the largest investment they’ll ever make. If your home in Jasper, SC, is financed with a mortgage, your lender will require you to carry homeowners’ insurance to protect their investment and yours. A homeowners’ policy protects the structure of your property and your belongings from certainly covered perils including theft or certain disasters, such as a home fire. Even if you don’t have a mortgage, it’s good to have such a plan in place to cover potential damages and losses. You should know that there are certain situations where your policy won’t cover fire damage.

When Is a Home Fire Not Covered?
While policies will vary based on your insurer, geographic locations, and other criteria, most homeowners’ plans won’t cover the following scenarios:

Arson: If you intentionally set a fire to your house, your policy won’t cover your losses or expenses associated with repair and cleanup.
Unoccupied or vacant property: Most policies won’t cover fire damage and other perils for a home that is vacant. You’ll need to purchase a special type of coverage for a vacant home fire.
Act of war: Generally damage that results from acts of war is not covered.

Acts of war are distinct from those of terrorism, which are usually covered by homeowners’ insurance.

What Else Should You Consider?
Where there’s fire, there’s probably smoke. In the aftermath of a home fire, you may also experience smoke damage, soot damage, and damage from the water used to extinguish the blaze. Water damage can also lead to mold, so it’s important to have a professional residential restoration provider complete cleanup and repairs. The pros can restore your home to preloss conditions.
Having a homeowners’ insurance policy is always a good idea, even if it’s not required. It protects you from having to rebuild or restore property damages out of pocket in most cases. It’s incumbent on you to know when you’re covered and when you’re not.

3 Common Causes of House Fires and How To Prevent Them

8/1/2022 (Permalink)

Computer on a desk, ashtray with many cigarettes hand with a cigarette lid up Avoid smoking in your home.

Three Ways To Combat the Most Common Types of House Fires

Knowledge is power when it comes to preventing a home fire. Identifying and addressing common fire causes is a simple way to reduce your risk of catastrophe. Here are three ways to combat the most common types of house fire in Jasper, SC.

1. Stop Smoking Already
One of the easiest — not to mention healthiest — ways to curb your fire risk is to avoid smoking in your home. According to a report from the National Fire Protection Agency, smoking materials accounted for over 17,000 home fires in 2014.
If you must smoke, take it outside, and be sure all materials are fully extinguished before you dispose of them.

2. Recognize That Your Kitchen Is Basically Home Fire Central
Year after year, cooking is the No. 1 cause of fire in the home. If you'd prefer not to follow Thanksgiving dinner with a call to your local fire cleaning and restoration company, take these precautions when you cook:

Don't cook when you're sleepy or intoxicated.
Turn off the stove if you have to leave the kitchen.
Don't leave your home if the oven is on.
Keep flammable materials far from the stovetop.
Set a timer to remind you when food is done.

3. Be Smart About Heating Your Home
Home heating efforts are the second leading cause of household fires, and we're not just talking about rustic but unreliable old wood-burning stoves. Here are five ways to keep safe when temperatures drop:

Keep flammable materials 3 feet away from heat sources such as the fireplace, furnace, or space heaters.
Keep kids and pets at least 3 feet away from fires and space heaters, too.
Regularly inspect your fireplace screen for holes that can allow sparks to escape.
Get your chimney and firebox cleaned annually.
Turn off space heaters before going to sleep

The best way to avoid a home fire is a two-pronged plan that pairs education with prevention. Identifying common causes of residential fire and actively avoiding or undoing them is a simple way to significantly lower your risk of fire in Jasper, SC.

Choose the Best Smart Smoke Detector for Your Home

6/21/2022 (Permalink)

Smart smoke alarm on ceiling A smart smoke detector protects your property against fire.

Select the Most Effective Smart Smoke Detector for Your Residence

A smoke alarm protects against fire danger by emitting a high-pitched noise if it senses smoke. New, smart versions can alert you of smoke even when you aren't home by sending you a phone notification. Here are some criteria to follow when choosing a smart safety device for your Jasper, SC, home.

Review Smart Smoke Detector Tech
There are three types of technology to consider as you search for a smart fire alarm system.

Smart detectors: These sense smoke based on either photoelectric or ionization technology. Both are effective, but ionized detectors tend to give more false alarms. Smart detectors can be battery-operated or connected to a home security system. They also offer automatic sensor tests and the option to silence false alarms.
Smart listeners: These devices plug into outlets and message your phone if a fire alarm goes off. They do not connect to or communicate with detectors. Large homes benefit most from listeners by reducing the need to replace sensors in every room. 
Smart batteries: These are used inside a fire detector and notify you by phone if a fire alarm sounds or the battery is running low. You can also use smart batteries to silence false alarms if the detector is solely battery-operated.

Assess Your Budget
A smart smoke alarm usually costs at least $100. House-wide installation of detectors may be the most expensive option, but it also provides extensive long-term protection.
A listener can cost anywhere from $50 to $100, making it less cost-efficient for extensive detector replacement.
Smart batteries are the least expensive technology, ranging between $30 and $40. However, they boast fewer smart applications than detectors and cannot connect to other technology.

Choose Additional Features
Additional features available in a smart smoke alarm can include:

  • Carbon monoxide detection
  • Motion-sensitive night lights
  • Automatic battery checks
  • Ability to identify smoke versus steam

New smart technology makes it easier than ever to keep your family and home safe. These criteria will help you choose the best fire safety device to prevent house fires.

How To Avoid a Candle Fire

4/24/2022 (Permalink)

Battery powered candle There are flameless alternatives, such as battery-operated candles.

A candle fire at your Hilton Head Island, SC, home is a frightening thought, but many people enjoy candles enough to brave the risk. Fortunately, there are many candle alternatives available, and proper safety measures minimize the possibility of fire for those who choose to enjoy traditional candles.

Alternatives to Candles

There are a variety of alternatives that can be used in place of traditional wick candles. The following are some of the most popular:

  • Battery-operated candles
  • Reed diffusers
  • Wax warmers
  • Plug-in air fresheners

Flameless candles are good for those who like the visual effect of a traditional candle but want to minimize fire risk. There are flameless alternatives, such as battery-operated Hanukkah menorahs, available for religious purposes. For those who are more interested in the aromatic experience of candles, air fresheners, reed diffusers and wax warmers are good ways to infuse your home with a pleasing fragrance. Remember to keep oils and wax away from children and pets to prevent burns and accidental ingestion.

Safety Measures

Although there are a variety of candle alternatives available, sometimes homeowners want to burn traditional candles. Fortunately, wick candles can be enjoyed safely if adequate precautions are taken. Be sure not to leave the candle unattended or in reach of pets or children. Do not burn the candle near fabrics or anything else that can catch fire. Keep candles a minimum of three inches apart. Have a fire extinguisher and fire blanket nearby, and test your smoke detectors regularly.

Whether you choose to use one of the many candle alternatives on the market today or practice extra caution using wick candles, it is possible to enjoy the ambiance created by candlelight while avoiding a house fire. If your home does suffer damage from a candle fire, an experienced restoration service can provide the tools and expertise needed to get your home back to normal.