Fire Protection For Your Home From Indoor and Surrounding Wildfires

fire protectionDid you know that there are a half of a million fires in structures each year? According to the National Fire Protection Association (NFPA), in 2011 80 percent of structure fires were categorized as residential, which can include indoor and wildfires.

Since the likelihood of your house being damaged by a fire is much higher than that of a non-residential structure, it’s important to not only consider the benefits of fire protection, but learn how you can protect your home from fire damage.

What is Fire Protection?

Fire protection is a type of addition to property insurance policies that can be purchased through a private insurance provider. It serves as a coverage option for homeowners who are concerned their homes could suffer damage via fire.

Many homeowners don’t purchase fire insurance because accidental fires and lightening strikes are typically covered in standard homeowners insurance policies (individual policies should be reviewed to ensure fires are covered).

But similar to the purchase of riders or add-ons, fire protection often offers more benefits than standard home insurance. For instance, a fire protection policy may ensure that all repairs needed as a result of fire damage are paid. Also, fire protection may help pay for temporary house and clean-up assistance, if needed.

Protecting Against Indoor Fires and Wildfires

After you have made sure your home is financially protected from a fire through your homeowners insurance policy or fire additional fire protection, take steps to physically protect your property in the event of an accidental fire in your home or external wildfires.

Indoors

  • Use care in the kitchen. Avoid leaving the kitchen area, while cooking food on the stove top. Also, educate yourself on how to properly extinguish a gas or electric fire.
  • Be careful with your fireplace. Place a screen in front of your fireplace to keep flames from furniture and drapes.
  • Manage space heaters correctly. Place a non-flammable object under your space heater when in use and be sure to unplug the unit when not in use.
  • Use proper Christmas tree care. Always keep your tree moist, avoid the fireplace and follow other fire safety tips during the holiday to avoid a Christmas tragedy.
  • Extinguish candles and cigarettes. Always blow out candles when not in use and ensure cigarette butts are put out completely and stored in a sturdy ashtray.

Wildfires

  • Keep trees trimmed. Clear brush and trim trees on the property to help keep flammable vegetation at least 100 feet from your house.
  • Get fire-resistance roofing. A roof made of slate, tile, metal or terra cotta can help create a fire-resistant home.
  • Use double-paned windows. Double-paned windows are much more resistant to breakage as a result of heat than single-paned windows.
  • Spray house with fire-resistant foam. This non-toxic foam can be used on the house, trees and shrubbery. Be sure to use only when there is an immediate threat of fire and wash off when the threat is over.

Being a homeowner means taking steps to protect your structure physically and financially. By purchasing the proper homeowners insurance or fire protection policy, and then taking additional steps to protect your home, you will feel more comfortable in the safety of your property for years to come.

(Image: Image: Ada Be)