We previously wrote about preventable fire insurance claims such as fires from cigarettes, candles and heat generating appliances. The risk of these fires and their source are not only preventable but easily indefinable. One type of fire we did not discuss was electrical fires, which tend to give very little warning. Many electrical fire insurance claims we often see can be prevented with proper maintenance, inspection and knowledge of the warning signs.
There are many different sources of electrical fire hazards including wiring of the home, electrical outlets, lighting and appliances.
Common causes of electrical fire insurance claims:
- Outdated wiring
- Loose wire connections which can cause sparks and overheating
- Deterioration of cables
- Undersized/Overused wiring
- DIY renovations or home additions.
- Electrical alterations
- Faulty or old electrical outlets
- Overloaded electrical outlets and misuse extension cords
- Using a light bulb with a wattage that is too high for the light fixture
Electrical fire prevention tips:
Unfortunately not all fires are preventable. If a fire does occur in your home it is important to have an escape plan in place which includes a meeting place outside the home. Whether you live in a condo, own your own house or rent, a home insurance policy can help protect you fire does occur in your home. Fire insurance can help get you back on your feet as quickly as possible. We also recommend double checking with your home insurance broker to ensure your coverage limits are sufficient for your needs. Contact a Westland Insurance broker today.