For more than a century, WSRB has operated in the public interest, helping Washington state insurance consumers feel confident their fire premiums are set using fair, unbiased data. Part of our promise is to provide information that helps insurance companies reduce loss of life and property, and we produced this guide to help fulfill that promise. The following tips are for anyone who wants to be fire safe. Insurance agents can share this guide with customers; fire service professionals can share it will local citizens, and consumers can read it and implement the tips to make their homes and loved ones safer.
In this guide, we go in-depth on home fire safety and home wildfire protection practices. Throughout, you'll find links to blog posts with even more useful information, so be sure to click through if you see a topic of interest. Find fire-safety tips for business owners here.
If you're an insurance professional looking for more information, see our guide to commercial property risk, which includes detailed information on automatic sprinkler systems and other key topics, and our guide to underwriting property, which covers fire, wildfire and earthquake risk to residential and commercial properties.
Everyone should have at least one smoke alarm in their home, and you most likely need more than one. Ideally, there should be a smoke alarm in every bedroom, outside every sleeping area and on every level of a home, including the basement. The National Fire Protection Association provides specific guidelines for where to place alarms in each of these locations.
Once you're sure your smoke alarms are in the right place, take a moment to test them and check their age. Continue to test them twice a year and replace the battery at least once a year, even if the primary power source is the home's electrical wiring. Replace the entire unit, not just the battery, every 10 years.
Smoke alarms can save your life, but they can also become a nuisance if they sound every time you accidentally burn toast or overcook a burger. These instances frequently lead people to turn off their smoke alarms, putting them at risk. The good news is that smoke alarms will soon be better able to discern between slightly overcooked food and a real threat.
These new alarms will be available for purchase in summer 2021, possibly earlier. Be on the lookout for a label with the text “Helps Reduce Cooking Nuisance Alarms.” The alarm should be certified by Underwriters Laboratory (UL), the organization that sets safety standards for a wide variety of home and industrial devices, including smoke alarms.
If a fire starts in your home, it's essential that firefighters can enter the burning building as quickly as possible. Any hindrance that slows them down gives the fire more time to grow and spread. Here are specific steps you can take today, and on an ongoing basis, to ensure firefighters will be able to enter your property:
Most of the time, fire hydrants are easy to overlook — except, of course, when you're searching for a parking spot. When a fire strikes, though, they become essential to saving property and lives. If firefighters can't access a hydrant, they have to clear a path or find another hydrant, taking valuable time away from fighting the fire burning in your home.
Here's what you can do to help firefighters access hydrants quickly and easily:
Fire extinguishers designed for home use are an affordable safety tool to have on hand, and some models can safely and effectively fight multiple kinds of fires, including electrical fires. To ensure your extinguisher is there for you when you need it, you'll need to do monthly and annual maintenance.
If you ever need to use a fire extinguisher, remember PASS:
Getting together with your friends, family and loved ones should be fun and free of concern about accidents, injuries or fires. Grilling and fireworks are well-known risks, so we'll start with those, and then cover an emerging risk in urban areas: rooftop deck fires.
Barbecuing is a tasty way to celebrate throughout the summer, so be sure to follow these safety tips:
Get specific fire-safety tips for charcoal and gas grills.
The easiest way to enjoy fireworks risk-free is to attend a public show or watch one on TV. If you decide to set off fireworks at home, be sure to:
As rooftop decks on apartment and condo buildings have become more widespread, so have rooftop deck fires. They often happen during the summer and fall, when the plants on the deck have dried out, creating fuel. Rooftop deck fires can burn slowly at first, especially if they start due to an improperly extinguished cigarette. These fires can burn for hours undetected.
If you live in a building with a rooftop deck or just plan to attend a party at one, here's what you can do to prevent fires:
If you own or manage a building with a rooftop deck, get tips for fire safety.
When you're looking for a new home or planning a remodel, consider adding home fire sprinklers to your list of must-haves. These systems can save lives and property more effectively than smoke alarms alone. A home fire can reach what fire safety professionals call the flashover point — the point where everything in a room catches fire and no one can survive — in as few as five minutes. Watch a powerful demonstration video of flashover in a home fire.
The video concludes with a side-by-side comparison of two burning rooms, one with a sprinkler and one without. showing the potential value of home fire sprinklers. Yet, the systems aren't yet common. People sometimes worry home fire sprinklers will be set off by burned food, cause water damage or be very costly. How many of these are true? Here are some possibly surprising facts about home fire sprinkler systems.
Sprinklers contain heat-sensitive material; when the material reaches a certain temperature, a built-in mechanism opens the sprinkler. Burning fries or over-searing chicken won't activate a sprinkler and douse your kitchen — or you.
Fire sprinklers activate individually, not as a group, meaning the water is isolated to the area with the fire. As a result, there's little risk that any water damage will be widespread.
Fire sprinklers start fighting the fire soon after it starts, far sooner than firefighters will arrive. That keeps the fire small and reduces the amount of water necessary to extinguish the fire when firefighters show up to finish the task.
That's an estimate from the Home Fire Sprinkler Coalition, based on installation in new construction. Your costs will vary, but you may also get a discount on your homeowners insurance if you have the sprinklers installed. You can also add a sprinkler system to any existing home, though some homes are easier and less costly to retrofit than other homes.
The nonprofit Home Fire Sprinkler Coalition offers more in-depth information about home sprinkler systems, their costs, benefits and maintenance.
Wildfires are becoming more common and more severe, but there is good news. You play a larger role in preventing wildfires than you may realize. Did you know approximately 70% of wildfires are caused by humans? What might seem like a harmless activity, such as burning a pile of leaves in your backyard, can create embers (also called firebrands) that travel on the wind and ignite bushes, trees or other homes. Do your part to prevent wildfires by following tips from the Washington State Department of Natural Resources.
Homes throughout Washington state are at risk of burning in a wildfire, including those in Western Washington, despite the region's reputation for rainy weather. At particular risk are homes in the wildland-urban interface (WUI). The WUI is growing, meaning more homes are at risk now than in the past. In fact, one of our WSRB teammates lives in the WUI, and she shares her experience of escaping a recent wildfire.
If you live in the WUI or another wildfire-prone area, it's essential to create defensible space around your home by:
The National Fire Protection Association (NFPA) provides several additional resources to help you protect your home. Visit the NFPA's Firewise USA website to learn more. And consider participating in the NFPA's annual Wildfire Community Preparedness Day to work with your neighbors to protect your home and theirs from wildfire damage.
If you have questions about insurance coverage for natural disasters (including wildfire), explore the NW Insurance Council's guide.
We hope this guide and the linked articles gave you the tips you need to be fire safe. If you are looking for more information, your local fire marshal is a useful resource. Call your nearest fire station to get the fire marshal's contact information. If you're not sure which fire station is closest to you, contact our customer service team at 206-217-0101, Monday through Friday between 7:30 a.m. and 4 p.m. We can help.