The holidays are a time filled with fun, joy, decorations, and time spent with loved ones. With that said, they are also a time when people interact with decorations, candles, and other fire hazards they often don’t deal with throughout the rest of the year. As this is the case, many people don’t take the appropriate precautions, which can sometimes lead to fires!
In order to avoid a fire, consider the potential fire hazards and safety precautions below. If a fire should occur, contact Colucci Law Group to help you file your insurance claim. We’ll help you to get the best payout possible.
Types of Potential Fire Hazards and Safety Precautions You Should Take
There are quite a few fire hazards that you will want to take into consideration over the holiday season, along with some simple safety precautions you can take to avoid a fire. Below are some of the most common types of holiday fire hazards and some precautions that can be taken to avoid a fire damaging your property:
Holiday Lights
Whether it be lights you install on your house, around a Christmas tree, or on the walls of your home, you need to make sure these lights don’t become a hazard. Make sure to:
- Check for frayed wires
- Don’t overload extension cords
- Make sure any cords used outside are meant for outdoor use
- Turn off the lights before going to bed or leaving the house; consider a timer
Christmas Tree
If you celebrate Christmas, you may decide to put up a festive Christmas tree. Especially with real trees, though, you need to take certain safety steps. You must:
- Keep your Christmas tree hydrated
- Keep the tree away from candles and fireplaces
- Dispose of needles that fall from the tree
Candles
Candles can add a wonderful ambiance. They can also be very dangerous, though. Make sure to:
- Put your candles out before bed
- Put out your candles if you leave the house
- Keep candles away from flammable objects
Stoves and Ovens
During the Holidays, you may have a tradition of meeting with your family for a large family meal. This is a great way to celebrate but can also lead to disaster if you get distracted. Make sure to:
- Keep an eye on whatever you are cooking
- Set a timer when baking
- Keep flammable objects away from the stove
- Have a fire extinguisher ready
Does Homeowners Insurance Cover Holiday Season Fire Damage?
While you may do everything you can to stay safe and avoid a fire, accidents happen. This is when your insurance coverage will come into play.
Often, homeowners insurance will cover fires. With that said, it’s extremely important to review your homeowners insurance policy to get a better idea of what is covered and when it is covered.
If you need any help filing your claim, reach out to Colucci Law Group. We will help review your policy and fill out your paperwork to ensure you get the best payout possible.
What If My Insurance Provider Denies My Claim?
If you provide all of the proper documentation, file on time, and the damage to your property is covered by your insurance, they are obligated to pay the claim. If they decide to deny the claim in bad faith, don’t give up! Reach out to Colucci Law Group to help you get the money you are owed.
Colucci Law Group consists of legal experts who provide clients with support to fight bad faith claim denials. We will provide you with an outstanding property insurance lawyer to represent you in a suit against your insurance provider. We are also able to file your claim for you and defend your rights, so you get the settlement that you deserve.
For more information about our property insurance legal services, reach out today. We’d be happy to help you to file your claim or represent you in a lawsuit against your insurance provider.
If you suspect that you are the victim of a bad faith insurance claim denial, we can help. The Colucci Law Group has the resources to assess the validity of your claim at no cost to you. For a free consultation, email us or call our Dunedin office at 727-733-9438. You may also call our Fort Myers office at 239-378-7800. Our team assists victims of bad-faith insurance claims across the state of Florida.