Fire departments across the country responded to 377,399 residential fires between 2015 and 2019, according to statistics compiled by the National Fire Protection Association (NFPA). These fires resulted in 2,761 civilian deaths, 11,582 civilian injuries and $7.7 billion in property damage.

While people tend to feel safest from the threat of fire in their own homes, they are actually at greatest risk according to the NFPA report.

“Today’s homes burn faster and hotter than they used to, minimizing the amount of time they have to escape safely,” said Lorraine Carli, Vice President of the NFPA Outreach and Advocacy division. “In a typical home fire, you may have as little as two minutes to get out from the time the smoke alarm sounds.”

During the NFPA’s Fire Prevention Week, fire officials are stressing the importance for home owners to develop an escape plan with members of their family in the event a fire occurs.

Some key recommendations from the NFPA are:

• Make sure smoke alarms are installed on every level of your home and inside every room where a family member sleeps
• Smoke alarms should be interconnected so when one sounds, they all sound
• Insure that every family member knows an escape plan in the event of a fire and that the plan meets the needs of everyone – including those with sensory or physical disabilities
• Make sure everyone knows at least two ways out of every room, if possible
• Make sure all doors and windows open easily

In addition, the NFPA recommends having a centralized outside meeting place a safe distance from your home where family members should go in the event you should have to evacuate. That way everyone is meeting in the same location and can be accounted for to let the fire department know if everyone made it out OK or if there is someone else who may still be in the building needing help.

We hope these tips will help to keep your family and home protected. And remember, to ensure you get the right protection for your home and auto insurance in Massachusetts, you can always get a fast, free quote from us today.  

Source: https://www.mapfreinsurance.com/blog/escape-home-safely-in-fire/

Winter is coming and for homeowners this means being prepared for the utmost extremes, both the frightful and delightful!

With beautiful blankets of white snow come picturesque landscapes, family sledding, and, well, the threat of ice dams. Ice dams form when the roof over the attic gets warm enough to melt the underside of the layer of snow on the roof. Then, as the snow melts, water backs up pooling on the shingles, and eventually finds its way into the home.  Water damage from ice dams can be significant, damaging ceilings, walls, flooring, and cabinetry and the cost of repair can run into the tens of thousands of dollars. The best way to cure and prevent an ice dam:

• Seal all points where warm air leaks from living spaces into spaces below the roof sheathing.
• Insulate the living spaces well enough to prevent heat from escaping.
• Vent the space between the insulation and roof sheathing so that any heat that does leak is carried away.

Frozen sidewalks are also a major hazard to your property and your guests. Most people know enough to remove any snow from the surface and spread rock salt or ice melt. But look to make sure you have a product that will not damage your driveway, stairs, or walkway, and won’t harm your pets.

For thick ice or compacted snow:

• Use an ice chisel in the afternoon when it is a little warmer to break down and clear chunks of ice and snow.
• Throw more salt or ice meltdown to take care of any little bits you may have missed, and to help keep new ice from forming.

Just as drivers should use safe, cautious driving techniques during the slippery and frozen winter season, you should practice safe winter walking.

• Wear proper footwear with visible treads
• Be wary of black ice, which may appear as wet pavement
• Walk steps slowly and grip handrails firmly
• Avoid shortcuts, as they are more likely to be where snow and ice removal is not possible

Beyond the hazards that may arise from snow and ice, there are also dangerous areas inside when you’re trying to keep warm. Structure fires increase greatly in the winter. You can help prevent heating fires with a few simple steps:

• Have a qualified professional install stationary space heating equipment
• Have equipment cleaned and inspected each year
• Keep anything that can burn at least three feet away from your furnace, fireplace, wood stove, or portable space heater
• Turn portable heaters off when leaving the room or going to bed

There are few things as tranquil, and beautiful as a candle burning inside as snow falls outside. But a candle is an open flame and should be treated as such.  Candles cause an estimated 15,600 house fires, 150 deaths, and 1,270 injuries each year and 85 percent of candle fires could be avoided. 

Here are a few tips:

• Never leave a burning candle unattended.
• Keep candles away from anything that could catch fire.
• Make sure all candles are out of reach of children and pets.

As always, test smoke alarms at least once a month to ensure they are in working condition, it could save your life.

With the precautions in place, go enjoy winter inside and outdoors.

Source:  https://www.mapfreinsurance.com/blog/fire-ice-your-guide-to-winter-preparation/

Mold is a fungus. There are all kinds. It’s everywhere–indoors and out. Most mold insurance claims typically arise in one of two circumstances: (1) mold comes to the property owner’s attention along with the discovery of ongoing moisture buildup, water leakage or water intrusion that has gone on for some time below the property owner’s radar; or (2) after a sudden, accidental flood or leak from a plumbing system or appliance, and there is a delay in, or failure to, adequately dry out water damaged building products, fixtures, furnishings, finishes or belongings.

Homeowner, commercial property owner and renter property policies differ in kind and in scope from insurer to insurer. Dealing with mold problems goes beyond tackling its adverse effects on health. Often, the first headache for home or business owners comes from not having a plan or budget for mold restoration services. Well, no one builds a home or office with plans for it to be taken over by some dangerous fungi. However, when you find mold growth in your workplace or apartment, you have to deal with it immediately. What do you do when you find out that you are facing mold issues, and feel the need to use your insurance?

What is mold insurance or mold liability coverage?

Mold insurance is the coverage for damage due to mold, which is included in an insurance policy. Environmental insurance, general liability, and property policies sometimes include coverage of mold. If these policies do not include mold insurance coverage, then, an insurance coverage could be made available by purchasing an endorsement to the forms.

Does insurance cover mold damage?

The short answer to this question is yes. However, mold may only be covered by insurance if and when certain conditions are met. Typically, insurance coverage depends on the source of the moisture or the leading cause of mold growth. Several insurance policies will cover any damage if linked to an actual loss that was initially covered. Also, you need to prove that such loss resulted in the mold problems you are facing. While most insurance policies offer minimal coverage for mold claims, you still need to check with your homeowner’s insurance provider for whatever mold remediation coverage you may be able to access.

Mold damage and insurance claims – What to do?

A larger percentage of home or property owners do not plan for mold remediation, which can be an obstacle to getting the help needed in a mold problem. If you have discovered mold damage in your home or business due to a covered peril, the next question on your mind may be how to file a mold damage insurance claim. Follow these steps to make a successful mold insurance claim.

Step 1: Prepare yourself for the task ahead

One way to be sure you are ready is to request an investigation into the cause of mold damage. Then take pictures of the mold. It is important not to attempt to start repairs before calling your insurance company or filing a mold claim.

Step 2: Call your insurance company and make a mold claim

Once you have your proof ready, next is to contact your insurance provider and make a claim. Provide detailed information about mold growth and damage. If by any chance, you have cleaned or removed or tampered with the mold or any damaged material, state such too. However, do not dispose of any materials before the insurance adjuster arrives.

Step 3: Avoid any further damage

While you may be eager to start cleaning or getting rid of the mold, it is very important to not begin any reloads before the insurance adjuster has arrived to evaluate the extent of the damage. However, it is vital to prevent further damage. You may turn off the leak to a pipe or place a bucket where a roof is leaking or block the hole etc.

Step 4: Tender all your evidence

Now, this is the final step. Once the insurance adjuster arrives, please provide them with your supporting materials. These can include photographs, investigation reports, and a list of your damaged property. These will help you support your claim and receive support quickly.

In the end, taking the time to understand your insurance policy is the ultimate step in knowing whether you are covered for mold problems in the home. The best way to go about this is to contact your insurance company. We are available to answer your questions regarding your homeowners and business insurance policies. 

Source: https://uphelp.org/claim-guidance-publications/mold-contamination-insurance-coverage-101-the-basics/ and https://www.ecofmr.com/articles/guide-to-mold-damage-and-insurance-cover/