Another Mobile Home Burns! Will Your Insurance will Cover your Home?

On March 15, 2018 a mobile home was destroyed completely by fire in the City of Cypress, Orange County. The photos show the devastation. The man inside the home suffered burns. According to a March 15 Orange County Register report the cause of the fire is still under investigation.

Officers escorted the subject away from the residence seconds before an explosion occurred.

When a fire like this happens the first questions or comment is, “We sure hope the owner of the home was insured.” Unfortunately, the answer to this question is frequently that the home owner is either uninsured or under insured.

Fires happen. It could be your home damaged by a fire in a neighbor’s home or a huge disaster like wild fires where embers land on your roof and there is no stopping the damage and devastation that follows.

The pictures of this disaster tell the story. Don’t be caught without insurance. It is recommended that you consult with a professional who specializes in insuring mobile and manufactured homes for your insurance coverage.

The key is to have the home insured for replacement value. If you have a loan on the home and it is completely destroyed by a fire, you still owe the loan amount, plus you need to now replace the home.

The insurance coverage needed will need to cover the removal of the old, destroyed home, the preparation of the lot for the placement of a new home, payment of the mortgage and the purchase of a replacement home. This could be a considerable sum, but far better to be insured for the total loss.

Safety Tips for Your Home During Holiday Seasons

We are approaching a very joyous time of the year – whether you celebrate Thanksgiving, Hanukkah, Christmas, or the New Year, it is a time to celebrate by gathering with family and friends. With many gatherings and parties, there’s usually a grand display of foods that someone has worked very hard to put together.  Whether you are given the opportunity to host a party for the first time, or you have been doing it for many years, it helps to take a minute and review some safety tips.

According to Foremost Insurance and the National Fire Protection Agency (NFPA), Thanksgiving and Christmas are known for cooking-related home fires. You can imagine millions of people cooking in the kitchen, many of them pressed for time and stressed out from wanting to make everything perfect. It’s more than likely that just a few carelessness or inattention in the kitchen will lead to big disasters. Although the following tips were written to advise people for holiday feasts, you can apply these same tips for whenever you are cooking in the kitchen:

  1. Make sure that no flammable objects, such as kitchen towels, oven mitts, paper towels, hot pads, and food packaging, are away from your stove top. If you are rushing or not fully paying attention, it’s easy to forget about where you put these objects. It helps to clean off your kitchen counter as you cook so that you have space to put your kitchen tools and can keep track of where things are.
  2. Stay in the kitchen at all times if you have something boiling, frying, grilling, or broiling. If you are an experienced cook at home, you probably think that you can leave the kitchen for a short period of time. But why risk having a tragic accident in your kitchen right before an important gathering? Always keep an eye on your stove, or turn it off if you need to leave the kitchen.
  3. Always check on your foods that are simmering, baking, or roasting. Just because your pumpkin cheesecake recipe states to bake for one hour and to not open the oven door while it’s baking, you can still look into the oven every now and then to make sure that everything is going smoothly. If you are a forgetful cook, always use a timer, especially for dishes that calls for long hours of cooking.
  4. Don’t use the stove if you are feeling sleepy or have consumed alcohol. It’s very easy to start cooking and fall asleep while you are waiting. Pass the torch to someone else who is alert and wide awake to do the cooking.

It’s very easy for anyone to be a victim to kitchen disasters, especially when you are busy entertaining guests or if you are preparing everything by yourself. Make sure you stay safe by reading the Foremost Insurance article as well as visiting the National Fire Protection Agency website.

Resources: http://blog.foremost.com/thanksgiving-fires-turkey-fryers-and-safety-choirs.asp

https://www.usfa.fema.gov/prevention/outreach/cooking.html

Mobile Home Fire Prevention

According to a study done by AARP and Foremost Insurance Group, the leading cause of mobile home fires is insufficient maintenance of the home and its mechanical system. For example, your clothes dryer needs to be cleaned for lint after every use and the attached lint vent needs to be cleaned about twice a year. You can accidentally start a fire in your dryer if you don’t property clean and maintain appliances as instructed in the manual. This applies to other appliances and heating systems that you own, such as space heaters, woodstoves, water heaters, fireplaces, and furnaces, to name a few.

There are other careless accidents that cause many fires in mobile homes.  It is important for everyone to be prepared for these types of situations. Regardless of the type of mobile home you reside in, do you have an exit plan? Do you have a smoke detector installed with sufficient battery to alert you? Do you have family, friends, or caretakers that you can call to assist you in the time of need? These are only a few questions you need to ask yourself so that you can be prepared in case of emergencies. Most people live thinking such disaster could never happen to them, but it never hurts to take some time to think about being prepared.

Make sure to read the full article by AARP and Foremost Insurance Group on Fire Prevention.

Resource: https://www.aarpforemost.com/mobile-home-safety-fire-prevention.asp

Also, visit the links below for additional information about fire safety and disaster preparedness.

http://www.gardusinc.com/safety-tips.html

http://www.nfpa.org/public-education/by-topic/safety-in-the-home/escape-planning/fire-safety-in-manufactured-homes

http://emergencyplanguide.org/neighborhood-organization/survive-a-disaster-in-a-mobile-home/