5 tips for avoiding a fire insurance claim this winter

With the cold weather upon us it means the risk of fires in the home increases. After kitchen fires, fires involving heaters and dryers are the next most common reason fires start in the home.

Personal effects gone forever - $270k Claim

One of my clients had a fire last winter where a duvet caught fire when it fell off a bed on to a heater. Thankfully my client and their family managed to get out of the house during the fire. There was significant damage, and over $270,000 claims on their home insurance, but the devastating thing was that many of their personal effects were lost forever.

Every winter I dread getting a call from a client who's experienced a winter heating related fire.  So I want to pass on my top 5 tips to keep you and your family safe and claim free this winter.

5 Tips for Avoiding Fires in Your Home

  1. Remember the heater-meter rule - always keep furniture, curtains, clothes and children at least one meter away from heaters and fire places.
     
  2. Have your electric blankets checked by a service person. Old electric blankets can cause electric shock, fire and possibly even death.
     
  3. Check smoke alarms are working. Test them once a month.
     
  4. Do not overload multiboards. Ensure one appliance per wall or multiboard socket only.
     
  5. Don’t overload clothes dryers and clean the lint filter after each load cycle.

 

Related Links

Home Insurance

Contents Insurance

NZ Fire Service Website - Fire Safety for Your Home


Allan Henderson

About the Author

Name: Allan Henderson        

I’m the Leader - Business Development & Sales for Rothbury’s Wellington branch. I have over 20 years experience in the insurance industry and get a kick out of finding insurance solutions for my clients.

I enjoy leading and…
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I’m the Leader - Business Development & Sales for Rothbury’s Wellington branch. I have over 20 years experience in the insurance industry and get a kick out of finding insurance solutions for my clients.

I enjoy leading and developing people (including my 3 children although they may not appreciate my leadership skills at times – or ever for that matter) and am part of a really experienced team who have a lot of fun here in Wellington.

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Disclaimer: The articles published on this blog are designed to provide general information and do not take into account any individual’s particular circumstances. We recommend that you obtain professional advice on your requirements before making any decision about a financial product.

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