At Stauffer-Klug Insurance, we work very hard to ensure each one of our clients has sufficient homeowners insurance coverage should they ever experience a loss. And while homeowners insurance covers many types of losses, a fire can be the most devastating.
How Can You Make Your Home Safer?
Let’s be clear. It is impossible to eliminate all risk. But you can reduce the chance of a loss, or reduce the extent of a loss, by taking a few steps to plan ahead. We have three specific recommendations to help you to get started.
Install Smoke Alarms
Smoke and fire alarms are essential. They let you know there is a risk so that you can take action. When was the last time you checked those you have your home? It is recommended that you test smoke alarms every month, replace the batteries annually, and replace the units themselves every ten years. Further, be sure to check to be sure your alarms are not affected by a recall such as those from Kidde.
Instead, consider a connected system. These link together to communicate alarms to each other. As a result, you’ll learn about a fire in your home no matter where you are located – in the attic or the basement. Connected alarms also communicate with you over the phone – a very important step in today’s smart connected homes.
Install a Carbon Monoxide Detector
You also need to learn what carbon monoxide is and where the threats lie. First, let’s talk about the threats – CO is an odorless, invisible gas that can create life-threatening situations when it is not properly vented from your home. The problem is, it is present as a result of the systems working in your home, such as your clothes dryer, furnace, or that fireplace you used all winter long. Take a moment to learn more about carbon monoxide from the U.S. Centers for Disease Control and Prevention.
Install CO2 alarms that can detect this gas throughout your home. Because the largest risks occur at night, when you are sleeping, you should have a device near your bedrooms. Place one on each floor of the home, too. Then, check them at least once per month to ensure they are working well.
Purchase a Fire Extinguisher
Many people know there is a need for a fire extinguisher, but they do not know which type is the right one for their home, or how to use one.
According to this guide from OSHA, it’s important to choose a fire extinguisher designed for paper, rubbish and plastic, as well as one for electrical and chemical fires. OHSA also has a guide that shows how to properly use a fire extinguisher.
Also, if you already have fire extinguishers, take a moment to have it checked out to ensure it is in good working order. Remove certain fire extinguishers from your home if they are affected by the recent Kidde recall.
Take the time this weekend to prepare for the worst, doing so will make your home safer for everyone.