Recent Fire Damage Posts
Does Your Homeowner’s Insurance Policy Cover Fire Damage?
House fire in a Rusellville, KY home
Recuperating from the loss associated with a home fire in Rusellville, KY, is hard enough on its own without trying to figure out what your homeowner’s insurance policy covers. While the fire restoration company will take care of repairing the damage to your home and restoring it to its original condition, it will be up to you to contact your insurance company to find out what’s covered. Here are the basics of what your home insurance will typically cover and what specific circumstances they won’t.
What Your Insurance Will Cover
Most common causes of a home fire are covered by a majority of insurance policies. Examples of scenarios where your home and personal belongings would be covered include:
- Cooking fires
- Accidental cigarette fires
- Fires caused by children or pets
- Electrical fires
- Lightning and storms
Basically, if the fire happened due to circumstances out of your control or because of an accident, you will almost always be covered.
What Your Insurance Doesn’t Cover
There are two main exceptions that a basic homeowners insurance policy won’t cover.
If you for whatever reason decided to set fire to your own home, insurance will understandably not cover the costs of the damage. You might wonder why someone would purposely destroy their home; often, this occurs because people want to collect the money insurance gives for the damages.
A vacant home fire is another situation that your insurance will not cover. If no one has entered your home for 30 days straight, it is considered vacant. However, you can purchase an endorsement to your policy to cover a vacant home. This is useful if you have a vacation home or property you only visit occasionally.
Although certainly a stressful situation, is it reassuring to learn that a home fire is almost always covered by your insurance policy! Unless arson was involved or your home was vacant at the time of the fire, you can expect to receive some substantial compensation for the damage that occurred.
5 Ways To Protect Pets From Fire
Place candles out of reach of pets in your Franklin, KY home
Pet Safety Tips
Fire safety measures are critical for every occupant of a residence. Pet owners need a clear plan of action to protect animals in the event of a fire emergency. Here are five pet safety tips that you can act on today.
1. Make a Fire Escape Plan For Pets
A fire escape plan should account for the safety of pets. Decide who is responsible for each pet and delegate responsibility for important supplies. Bring pets with you when you do drills. Updating ID tags and microchips with current contact information is another pet preparation measure.
2. Exercise Caution With Open Flame
Don't leave candles, fireplaces, or other open flames unattended. Place candles out of the reach of pets or use safer alternatives, such as battery-powered LED candles.
3. Keep Pets Away From the Stove
The most common cause of house fires started by pets involves stove knobs. If a dog or cat accidently nudges these knobs, an electric burner or gas flow may turn on. You may want to keep pets out of the kitchen while you are not at home, install pet-safe covers, or remove knobs when the stove is not in use.
4. Keep Pet Records In a Fire Box
Gather pet records in a fire safe box. It is preferable take this box with you when you evacuate. If worst comes to worst, these documents may still be salvageable after a fire emergency.
5. Post Pet Decals Near Exterior Doors
Post a decal in the front window or near other exterior doors indicating the type and number of pets in the household. Notify firefighters if pets have been evacuated.
According to the U.S. Fire Administration, more than 500,000 pets are affected by fires each year. If a fire emergency occurs at a home in Franklin, KY, contact the fire department and a fire mitigation and restoration service.
Post-Fire Tips: What to Throw Away
If you recently experienced fire damage in your Oak Grove, KY, home, you may be wondering what you should throw away and what you should try to salvage. Some items are definitely worth saving, while others need to be tossed. Here are three things that you should get rid of if they have been present during a household fire.
Food can be chemically changed after being exposed to high heat, making it unsafe for consumption. It can also come in contact with water and other substances while the fire is being put out. If you have any doubts about a food or it was found opened, charred or soaking wet, it needs to be put in the garbage, particularly if it is perishable.
Throw away your makeup or skin care products if they look to be burned or seem to have been damaged in another way by the fire. They may not be safe to use on your body after being exposed to different elements such as smoke and firefighting chemicals.
Like food and cosmetics, medicine either goes on or in your body. As a result, it needs to be kept at a regulated temperature and away from any materials that could harm you if your body comes into contact with them. Do not hesitate to dispose of them if they seem to be damaged in any way or you have your misgivings about holding on to them.
While it may seem that there are many things you have to throw away after a fire, there are also many objects that a fire restoration company can help you salvage. Some of these things include clothing, documents and household valuables. Do some thorough research - you will be happily surprised to learn that there are many belongings that you will be able to save after a fire, helping you ease yourself back into a more normal life.
Damage by Smoke: Tips for Filing a Claim
Chimney fire damage in an Oak Grove, KY home
When fire ravages your commercial property in Oak Grove, KY, you probably know you must document all the areas that were burned by the fire to file an insurance claim correctly. What may surprise you is all the smoke damage you’ll find after a fire. Even if the fire occurs in the building next door, your building could take on damage from the smoke that wafts over. Just like structural issues, smoke and soot damage must be carefully documented in order for your claim to have a better chance of getting accepted by the insurance company. Here are some tips on how to do so.
Your insurance company will probably send an insurance adjuster to assess your property after you contact them, but you can help clarify the issues that need resolution by documenting all the necessary information. There are several things the documentation of your smoke damage should include:
- Date of fire loss
- Description of structures or damaged items
- Location of damage
- Police and fire department reports
- Smoke cleaning bid from remediation experts
It is also a good idea to include pictures or video proof of the things on your list. The more relevant the information you can provide, the stronger your claim will be.
The insurance company may send out its own adjuster, but keep in mind the entity for whom he or she works. The company's adjuster may have a vested interest in underestimating damage. To ensure objectivity, it may be prudent to hire a public adjuster who has no reason to have an agenda to save the insurance company money. The public adjuster's assessment, along with the detailed bid from the company performing smoke cleaning services, can serve as advocates for getting you the amount required to fix your building.
Whether you are dealing with smoke damage from a fire in your building or the one next door, it is important to know how to get the most out of your insurance policy. By providing detailed descriptions of the damage and filing in a timely manner, you increase your chances of a fair payout.
The ABCs of Home Fire Extinguishers
Your home in Hopkinsville, KY, may be your castle, but if you do not have a fire preparedness plan in place, that castle could quickly burn down.
The unique shape, markings, and color of the fire extinguisher have long been established and accepted. Therefore, when standing near a small fire, everyone knows to look for the long, red cylinder to use for fire suppression. What most people do not know is that there are different types of classifications of household fire suppressors, and once purchased, the chemicals inside are not good forever.
The fire extinguisher has been around for over 150 years. Originally designed to put out combustible fires with potassium carbonate, as times changed and fires evolved, so did the fire suppressors. The units now come in three types:
Class A is for use on ordinary household combustibles.
Class B can be used on flammable gas or liquid.
Class C units are designed for use on electrical fires.
Although the specially designed fire containment containers used to be manufactured with only one of the various class of chemicals, the new and modern versions often contain all three. For that reason, most household extinguishers can put out a home fire and electrical fire at the same time.
Fire repair and restoration teams stress the importance of understanding that fire extinguishers are not meant to last forever. Depending on the brand you buy, the manufacturers typically state that most expiration dates fall somewhere between five and fifteen years from purchase date. If the label does not have a date, or there is no inspection tag attached to the unit, look at the pressure gauge and recharge as soon as the needle falls below the green area.
Your home in Hopkinsville, KY, may be your castle, but if you do not have a fire preparedness plan in place, that castle could quickly burn down. Keep your fire extinguisher handy, do not store it away in inaccessible areas. It only takes a few moments for a fire to overwhelm a room, but if you have the suppressor close at hand, you can be on top of the fire and not let it grow out of control. For more information, visit http://www.SERVPROchristiantoddlogansimpsoncounties.com/.
Fire at Bluegrass Cellular
Sea of Green at Bluegrass Cellular
The tower on top of this Bluegrass Cellular building sparked and caught fire to the building causing extensive smoke damage and water damage putting the fire out. We had our SERVPRO crew on location as soon as possible after receiving the call.
- Day 1 was spent moving all salvageable contents to an on-site storage pod.
- Day 2 we began the process of removing carpet, ceiling tile, and base board. We also set up drying equipment and bagged up lots of debris. This was such a large job that we had to call in 15 temps per day to help with the daunting task. We are so happy to be a part of helping out Bluegrass Cellular in their time of need. We will soon have everything back "Like it never even happened."
How To Use a Fire Extinguisher
Using a fire extinguisher to put out commercial fires.
How To Use a Fire Extinguisher.
A fire extinguisher is a helpful safety tool for suppressing small to medium-sized fires and limiting fire damage. As soon as a fire starts, get the extinguisher and identify a safe evacuation path. You should check to make sure that the extinguisher you have on hand contains a suitable substance for the type of fire you are trying to suppress. It is also a good idea to sound the fire alarm in a commercial property and contact the fire department before attempting to suppress a fire.
Whether you have never used a extinguisher or it has been a long time since you experienced a fire emergency, here are four simple steps you can follow.
1. Pull the pin. Pulling the pin on a extinguisher will break the tamper seal.
2. Aim the fire extinguisher nozzle, hose, or horn. Point the dispenser at the base of the fire. Avoid making contact with the discharge horn on a CO2 extinguisher, as it may become very cold.
3. Squeeze the handle. Squeeze the handle to dispense the substance within the extinguisher in the direction of the fire.
4. Spray from side to side. Move the spray horizontally across the base of the fire until it appears to be out. Keep in mind that a fire may seem to be out and then reignite.
Keep watching the affected area to make sure the fire does not restart or have firefighters inspect the area to make sure it is out. Once you use a fire extinguisher you will need to either refill or replace the extinguisher, depending on whether the design is reusable or disposable. Reusable extinguishers cost more up front but less to refill than buying a new disposable extinguisher. If your commercial property in Hopkinsville, KY sustains fire damage from a kitchen fire or electrical fire, you should contact a commercial restoration company.
For more information, please visit us athttp://www.SERVPROchristiantoddlogansimpsoncounties.com.
Is My Furnace Working Properly?
Spring can be an unpredictable season in Hopkinsville, KY, and it is the perfect time to think about a critical part of your home: the furnace. Prevention is a key step to avoid fire damage and fire cleaning. Here are a few simple steps maintaining your furnace and keeping your house safe, warm, and comfortable.
Turn Your Power Off
Before attempting any maintenance, it is always a good idea to turn the power off. The easiest way to do this is to trip the main fuse at your circuit breaker. If you know the correct breaker for the furnace, you can trip that breaker in particular. If the fuse has blown or the breaker was already switched, you should immediately call a professional and do not perform any other maintenance steps.
Check the Filter
Furnace filters are often used far longer than is recommended. This causes a buildup of dust, which can cause your furnace to work extra and can escalate to more difficult repairs. Filters usually last up to 90 days, but always check your furnace manual and the filter itself before installing. This is the easiest step to avoid needing fire cleaning services in the future.
Inspect the Thermostat
There could be an issue with the thermostat in your home or the furnace’s own thermostat. Check both, and adjust the thermostat up 5 degrees to be sure it is working properly. When you turn the power back on, the furnace should start working.
Notice Any Gas Odors
If your furnace smells of gas, immediately call a professional. Gas leaks are difficult to find and greatly increase the risk of fire damage.
Without proper care, a furnace can cause fire in your home. If you already have damage due to fire or smoke in your home, there are professionals who can assist you in fire cleaning and smoke cleaning. Although furnace maintenance may be the last thing on your mind as the weather gets warmer and the days get longer, it will bring you peace of mind this fall.
For more information, please visit us at http://www.SERVPROchristiantoddlogansimpsoncounties.com.
3 Ways To Prevent Accidental Fire Sprinkler Activation
Fire sprinklers are lifesavers, but only when they're functioning properly. When they go off accidentally, sprinklers can cause hundreds—sometimes even thousands—of dollars in commercial property damage. Fortunately, proper sprinkler maintenance can prevent most accidental activations in Franklin, KY. Here's how to help ensure your systems only activate when you need them to.
1. Avoid High Temperatures
Contrary to popular belief, sprinklers typically activate when they're exposed to high temperatures, not when they're exposed to smoke. Therefore, it can be important to keep heat sources away from your sprinkler. Here are some common sources:
*Candles Ovens and stoves
Consider these heat sources before installing your system. If any are hot enough to trigger your sprinkler (roughly 130 degrees Fahrenheit or 54 degrees Celsius), separate them. Doing so can greatly reduce your risk of accidental activation.
2. Prepare for Cold Temperatures
Just like hot temperatures, cold temperatures can lead to accidental sprinkler leakages. That's because when water freezes, it expands. If that frozen water is inside a confined space (your sprinkler's pipe, for instance), it will often break whatever's holding it.
Follow cold-weather sprinkler maintenance best practices. For starters, install insulation materials for your sprinkler pipes, such as foam sleeves. Also, keeping consistent heat throughout your building will often preclude water in pipes from freezing. That doesn't mean pointing intense lights at the pipes—you already know that's a mistake. Just keep the general temperature of the building above freezing.
3. Keep Sprinkler Piping Clear
Piping for fire sprinklers is made to put out fires; it's not meant for use as a pull-up bar. This may sound funny, but many accidental sprinkler activations occur when people assume pipes hold more weight than they truly can. Never allow anyone to hang anything on sprinkler pipes. Though they may appear sturdy, these pipes aren't usually made to support the weight of a human body.
For residents of Franklin, KY, these sprinkler maintenance tips should prevent accidental activations before they ever happen. If you do have a water damage from a sprinkler system going off, work with professional restoration experts.
For more information, please visit us at http://www.SERVPROchristiantoddlogansimpsoncounties.com.
Chimney Fire in Simpson County Kentucky
Chimney Fire in Kentucky home
The Living Room in the Franklin, KY home was affected when the chimney caught fire and smoked up the entire home. When our SERVPRO of Christian, Todd, Logan and Simpson County crew arrived on site they began cleaning up the debris immediately. Luckily the worst of the damage was in the chimney and outside where the debris fell on the deck and in the yard. We were able to get all of the contents moved around and cleaned as well as cleaning up the walls, ceiling and floors of soot an debris. The homeowner was very happy when we were done and relieved that our team was so thorough. Our SERVPRO team prides themselves on leaving our customers happy and able to continue on like it never even happened.
Fire in local School
A student set fire to a toilet paper dispenser causing a big mess at a local school here in Simpson County. SERVPRO of Christian, Todd, Logan & Simpson County had performed work for the School System before so School Officials contacted us and we were on the scene within 1 hour to begin work.
After all of the debris was picked up, our crew began cleaning up the soot and setting negative air equipment to remedy the odor caused by the smoke. It was a priority to get things in order so that the regular school day would not be interrupted.
Our goal at SERVPRO is to make it look "Like it never even happened." That is what we accomplished with this school and they were very appreciative.
This home in Bowling Green, Kentucky was damaged when the wiring caught fire. Luckily nobody was injured, but the homeowners lost most of their contents as well as sustaining significant structural damage before it was extinguished.
As soon as the scene was released, our SERVPRO of Warren, Christian, Todd, Logan and Simpson Counties crew was on the scene to help begin the clean up process. We helped to document all of the unsalvageable contents as well as packing up anything that could be cleaned and stored until the home is repaired and ready to be moved back in to.
It is a very sad experience for anyone to have to go through, but our goal is to make it as easy and worry free as possible so that the customer can concentrate on other things.
When in crisis we are always here to help!
Lightening causes house fire
This home sustained severe damage when lightening hit the roof and caught it on fire. The Fire Department had to put it out with water which caused even more damage. SERVPRO of Warren, Christian, Tood, Logan and Simpson Counties was on the scene within an hour of receiving the call. There was a lot of structural damage as well as the contents being damaged and destroyed. Our crew spent hours sifting through the items with the customer to pack up what was salvageable and bring it back to our office to be cleaned and stored until repairs are complete. The homeowner will have to move out until all the work can be done, however, they feel safe in the knowledge that we are going to make things "Like it never even happened."
Fire in Kentucky home causes major damage
This Kentucky home was severely damaged by smoke and fire when a pan on the stove caught fire. Luckily everyone was able to evacuate without any injuries. The Fire Department used foam to put it out so there was no water damage either. Our SERVPRO team was able to get on location and help get the home boarded up to begin the process of cleaning up. There were a lot of contents damaged and destroyed and of course the structure sustained quite a bit of damage, especially in the kitchen. Having a fire is always a devastating occurrence, but this homeowner was just happy that everyone was safe. Personal belongings, while sentimental, are mostly replaceable but human lives aren't. We are happy to be part of putting this family's life back together.