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Home Fires Peak During Winter Months

  • Working smoke alarms cut the chances of dying in a house fire in half, and they are a family's first indication of a fire. But once that alarm sounds a fire can spread quickly, leaving only a minute or two to escape, according to the National Fire Protection Association. That's why it's so important to have an escape plan and practice it using different ways out of the house. NFPA offers more educational resources on fire safety here.

    Practice Home Fire Drills


    A home fire is reported every 86 seconds. Despite this threat, families rarely practice home fire drills, and nearly half of parents report their children do not know what to do in the event of a fire.

    Home Fire Drill Day, a safety observance developed by Nationwide in partnership with NSC and other organizations, is held at the end of Fire Prevention Week each year in October. But families can practice home fire drills any time and take advantage of tools and resources offered at HomeFireDrillDay.com, including:

    • Step-by-step instructions for doing a home fire drill
    • Games to make the experience memorable for kids
    • Worksheet to help you draw a floor plan of your home
    • Video of a fire drill in action
    • Family pledge to practice a home fire drill twice a year
    • Downloadable fire safety resources to share with friends and family
    • Link to download the free Make Safe Happen mobile app that puts home fire drill instructions, including a drill timer, in the palm of your hand

    Practice as a family, take the pledge to practice home fire drills twice a year, and encourage others to take the pledge.

    Leading Causes of Fire


    Over the past several decades, deaths from home structure fires in the United States have steadily gone down – from 5,200 in 1980 to 2,646 in 2015, according to Injury Facts 2017®.

    But even one death from a preventable fire is too many. While fire doesn't discriminate by age, it is the third leading cause of death for children ages 1 to 14. In 2015, 232 children in this age group died from fire and smoke inhalation.

    Cooking equipment is the leading cause of home structure fires and fire injuries, followed by heating equipment, according to NFPA. Other causes include smoking, electrical problems, children playing with fire and candles.

    What You Can Do 


    NSC provides the following tips to keep your home safe from fire:

    • Install both types of smoke alarms (ionization and photoelectric) and carbon monoxide alarms; change the batteries at least once a year in these devices
    • Plan – and practice – an escape route and agree on a meeting place outside of your home; be prepared to assist young children, family members with special needs and pets
    • Know two ways out of every room in the home
    • Learn how to use your fire extinguisher
    • If your clothes catch on fire, stop, drop and roll
    • When evacuating, if door handles are hot, pick an alternate route
    • Leave your house and call for help; do not go back to help someone else

    The U.S. Fire Administration offers these additional tips to keep children safe from fire and burns:

    • Keep children 3 feet away from anything hot, like candles, space heaters and stove-tops
    • Keep smoking materials locked up in a high place; never leave cigarette lighters or matches where children can reach them
    • Never play with lighters or matches when you are with your children; they may try to imitate you

    Source:  National Safety Council

     



    New or Additional Cars

    If you buy another car, your policy might automatically cover it with certain limitations. You may have up to 14 days automatic coverage if you have physical damage coverage on an existing vehicle. Read your policy or ask your agent to find out if you have this coverage.

    Insurance companies must give additional cars the same amount of coverage as your car with the most coverage. For example, if you have two cars - one with liability coverage only and one with liability, collision, and comprehensive coverages - and you buy a third car, the third car will automatically have liability, collision, and comprehensive coverage.

    Insurance companies will give replacement cars the same coverage as the car it replaced. For example, if you trade in an older car that only had liability coverage, the new car will automatically have only liability coverage.

    Be sure to tell your insurance company within 14 days that you have added or replaced a car and which coverages you want. You could lose coverage on an additional or replacement car if you wait longer to tell your insurance company.

    Suzanne Brown Insurance Agency

    A Texas Independent Insurance Agency with over 100 insurance carriers

    www.SuzanneBrownAgency.com

    281-558-2210

     



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    NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.

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