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Fire & Water - Cleanup & Restoration

Two Types of Fires You’re Likely Not Prepared For

5/7/2018 (Permalink)

A home fire can destroy everything you own, and insurance is the best way to ensure you are compensated for damages. However, what if your house is vacant during the fire or is subject to arson? In these circumstances, insurance does not usually cover damage you incur. Residents in Cleburne, TX, are preparing by taking decisive action to protect their homes and their pocketbooks.


Ensure Your Property Isn’t Vacant


Insurance policies have varying definitions of what constitutes a vacant property, but generally it means a property that has been unoccupied for 30 days or longer. Holiday homes only used for a few weeks each season may fall into this category. If you vacation or travel extensively, whether for business or pleasure, the insurance company could consider your home vacant if a fire occurs during your absence. Here are some tips to make sure you don’t get caught off guard by the finer details of your policy:

• Verify the exact number of days your property can be left unattended without being declared vacant.
• Prove that you were home at least once within the specified period as an extra precaution.
• Purchase vacant home fire insurance if you cannot guarantee that you will be around before the window of time expires.


Don’t Fall Victim to Arson


If you experience a fire that is purposely set, the damages may not be covered by insurance. Arson constitutes insurance fraud; in other words, it’s starting a home fire on purpose to collect insurance money. If investigators discover that your home has deliberately been set ablaze, then the insurance company can reject your claim.

Luckily, most homeowners don’t set fire to their own homes, so all you need to do is take some common-sense precautions to prevent others from doing it. Install basic security cameras around your property, particularly near flammable structures. Keep multiple fire extinguishers on your property and consult with experts on how to fireproof your home.

The stakes are too high to be caught off guard by a home fire. You stand to lose everything if you are not prepared. Fortunately, with the right research and preparation you can be ready for anything.

For more information, please visit us athttp://www.SERVPROofcrowleysjc.com.

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