What You Need To Know About House Fires
One of the most life altering events a person can go through is a house fire. The devastation. The loss. The immediate change in life style. All of these, culminating in mere minutes, can, and often, do have an impact that last a lifetime.
Although there is REALLY not much we can do to prepare for such an event, maybe by being better informed, we can soften the blow.
Here are a few things you should know about fires:
- Fires are fast – In less than 30 seconds, a fire can spread and grow out of control. Within minutes, your home will be engulfed with black smoke. This smoke will incapacitate anyone in the home quickly. You must act fast. If the fire has gotten out of control, you must evacuate immediately.
- Fires are hot – In addition to smoke being a grave danger, heat from fire is even more dangerous. Some fires may have a heat of 100 degrees at ground level, but may rise to up to 600 degrees at eye level. Obviously, air quality and heat levels are much better at ground level.
- Fire produces poor visibility – Because fire quickly impair visibility, pre-planning an escape route that the entire family is familiar with is a good idea. Different areas in the home should have different escape routes. Ideally, you want to use the shortest route possible. However, you also want to create a “Plan B” for any escape route(s), just in case your planned route is not accessible.
- Time is of the essence – Aside from heat and smoke, fires produce a lot of toxic gases. These toxins are the #1 reason for disorientation and loss of consciousness. Asphyxiation (suffocation) is the leading cause of fire deaths, exceeding burns by a three-to-one ratio.
Fires are something every family should discuss, and prepare an action plan for. Fires happen at the most unexpected times. Your best defense is a well thought out plan that everyone in the family is familiar with. The key is to prepare to save lives.
The insurance aspect of a fire, can be another issue entirely. Once the dust settles, correctly placing a fire claim can be a daunting task. The facts are, in order for you to recover the highest settlement possible, there are many little items that must be follow-through properly. Unless you do that, you will not recover the highest settlement.
Employing a Public Adjuster to handle a fire claim is the correct more. Under such a stressful situation as a fire, the last thing a homeowner wants to do is to add more chaos to their lives.
If you experience a fire in your home, or even if you have settled a fire claim over the 12 months, allow me to review your claim. In many cases, our company has helped homeowners get much higher settlement than they would have gotten themselves.
Call me for a free claims evaluation, 856-430-2640.
Mike Martinez, Licensed and bonded Public Adjuster in NJ, PA, MD, GA.