All it takes is a few minutes for a house fire to get out of control, costing you your possessions and, in many cases, your home, too. Luckily, you have homeowners insurance to protect you from disaster, and in the case of a fire, it’s important to speak to a public adjuster and file a fire damage insurance claim as soon as possible.
It’s also important to think about prevention. Here are four common causes of house fires, along with simple things you can do to prevent disaster.
Cooking-related fires are the most common cause of all house fires, according to the National Fire Protection Association. Between 2011 and 2015, 47 percent of house fires were caused by cooking equipment.
How to prevent cooking fires: Never leave anything unattended while you’re cooking, and keep all hot surfaces clear of flammable materials. If a grease fire starts, cover the flames with a lid to smother them.
According to the NFPA’s report, smoking was the cause of only five percent of house fires, but it was the leading cause of fire-related deaths, probably from smokers inadvertently starting a fire while sleepy or distracted.
How to prevent smoking-related fires: Don’t smoke in bed, on the couch, or when you’re tired or not paying attention. Even better, do not smoke inside at all! Make sure butts are fully extinguished and disposed of properly.
Wiring issues are the cause of a surprising number of house fires. According to the NFPA, nine percent of fires start as electrical fires. Because many of these fires begin within the walls or under rugs and furniture, many of them are not detected until too late.
How to prevent electrical fires: Make sure your wiring is updated to modern standards. Also, avoid running two or more extension cords end to end, covering cords or extensions with flammable materials, or overloading your electrical system with too many plug expanders.
Did you know that your clothes dryer could start a house fire? According to the NFPA, dryers are responsible for four percent of fires, making them the sixth most common cause.
How to prevent dryer fires: Cleaning the lint trap is not just so that your clothes will dry more efficiently. A dirty lint trap can actually start a fire! Clean your lint trap every time you run the dryer, and have your dryer vent cleaned regularly to make sure lint isn’t building up inside.
Find Help Filing a Fire Damage Insurance Claim in Florida
If the worst has already happened and you’re the victim of a house fire, you need a public insurance adjuster to represent your best interests. Call Rapid Public Adjusters today, and we’ll help you navigate the insurance process from beginning to end.