What is the true cost After a Fire in My home?

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A fire at home is not something anyone wants to think about and much less stop to consider the true cost After a Fire in My home. We all hope that it never happens but if it does knowing what to do after a fire and properly assessing any damage are crucial. The truth is that an accidental fire in the home is a common occurrence and one every house owner should be prepared for.

Kitchen fires account for a large percentage of accidental fires in the home. An average stove fire restoration work can start at around three thousand pounds but depending on the damage caused by the blaze and water, proper restoration can sometimes run up to tens of thousands of pounds. With that much to lose it may be worth to know what the most common causes are and how to prevent them and what to do after a fire.

What are the most common causes of fire at home?

The most common causes of fires in the home are accidents while cooking, smoking and improper use of portable heaters and candles. It may seem common sense not to leave anything on the stove unattended, but this is still the number one cause of all fires in the home and more common than either smoking or using portable heaters. We all have busy lives and as you are happily preparing dinner and the phone rings it only takes a moment to become distracted.


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Overloaded Cables & Electricity

Overloaded extension cables also account for a significant percentage of fires in the home .There is an overwhelming number of electrical devices in each household today and being mindful with how to charge them all is important.




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Heating Systems & Chimney Maintenance

As does failure due to lack of maintenance on heating systems and chimneys which is probably not on top of anyone’s task list but should be scheduled on a regular basis.


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Gas Leaks

Gas leaks account for a portion of fires at home and are particularly dangerous because they spread very quickly. Careful use and maintenance of any gas appliance is essential to prevent fire in the home.  Faulty electrical wiring can also sometimes be the culprit because as wires get old and frayed, they may cause sparks.


What is the cost after a fire in my home?

The cost after a fire varies greatly depending on the size of the burned area and materials which burned. Synthetic materials cause a lot more damage than organic when burned and produce more harmful soot and smoke. The actual cost can be anywhere between a few hundred pounds and as much as £ 30,000 if remodeling the kitchen or a bedroom is necessary.

There are two types of damage after a fire: damage from the fire itself and damage from putting the fire out. The second type is from smoke and water and any other substances which were used to contain the blaze. Most structural damage to a home is caused by this secondary type as soot and smoke get into the structure and become corrosive when cooled.

If you are insured, an insurance adjuster works for the company, not for you. What they assess as damage might not include all long-term damage to your home and may not include damage to your furniture or personal items. Oakleafe is 100% on your side and works to both maximize your claim and make it easy for you to deal with the entire process, which is already hard enough.


What are the types of fire damage?

Some fire damage is obvious such as anything that burned like a stove, cabinets or furniture and any structural damage to the home itself such as burned walls and ceilings. Other types of damage after a fire in your home may not be so easily noticeable but harmful to health if not properly removed. Soot and smoke can settle on anything and sometimes you may not be able to see it.

 Smoke damage is harmful to health as smoke can easily become toxic, settles on all contents of a home and stains walls. The odor of smoke after a fire can linger and usually requires professional restoration to remove. If water was used to put out fire, there may be water damage which in turn may cause mold to form.

Careful assessment of all damage and gathering detailed evidence for your claim is very important.  This is where Oakleafe can make a difference as they look out for you and not the insurance company’s best interests. What you need after a fire are qualified professionals who know the different types of damage and how to assess it.

How can I prevent fire in my home?

The most obvious way to prevent a fire in the home is to never leave anything on the stove unattended even for a moment and make sure you have a working fire alarm. It is also important to maintain your alarm by testing it and checking the battery on a regular basis.

There are other things you can do: purchase fire extinguishers for your home and make sure you know how to work one. Keep all flammable products such as household cleaning products away from heat. Make sure children do not handle kitchen appliances and do not have access to anything flammable. Inspection of heating systems and checking conditions of electrical cords regularly can also prevent many accidental fires.

Finally, keep your insurance documents in a safe place and have a clear plan to evacuate quickly in case of fire. Make sure everyone who lives in the household knows and follows it.

Conclusion

Accidents sometimes happen even if you are careful, so the next best thing is knowing how to deal with a fire in your home if it does happen. Always call the fire department first and evacuate quickly. After a fire contact an insurance assessor such as Oakleafe to properly assess all damage and guide you through the insurance claim.

A fire in your home can be a devastating experience but knowing what to do and knowing you have qualified people on your side throughout the ordeal can help a lot. A dedicated claims technician who will advise you on your insurance policy and whose priority is to get you the best settlement possible will make taking care of all the details much easier on you.

After a fire minimizing and assessing the damage becomes priority and knowing how to properly address this can make a big difference in restoring your home. Oakleafe will properly assess your damage and expedite your claim so you can go back to what’s most important in your life quickly.