wsrb-logo-white
inactive-BMI-1
CREATE AN ACCOUNT
LOG IN

About the Company 

Who we are and how we serve insurers, agents and Washington state residents  

CEO Perspective

Engaging thought leadership on key insurance industry issues from our CEO 

Meet the Team

Get to know the team behind WSRB’s trusted data and excellent customer service 

Careers

Learn about the benefits of working at WSRB and apply for open positions  

Underwriting Property

A guide to key risks in Washington state: fire, wildfire and earthquakes.


Help Center

Self-serve articles on how to use our products. Available 24/7. 

Commercial Property

Information on Loss Costs, policy rating and assessment tools 


Industry Toolkit

Links to help you work smarter and serve your customers.  

Protection Classes

The evaluation process explained from start to finish.


WSRB Blog

News on emerging risks as well as our latest products. 

Library

In-depth content on essential insurance topics.


InsuranceEDGE

Weekly newsletter covering the P&C industry, curated by our experts. 

 

Fire Safety Tips for Consumers

Follow these fire-safety practices to help protect your home and loved ones 
A couple check the status of their home's fire extinguisher

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. 

How to Use these Tips

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.

 

A smoke alarm and fire sprinkler head mounted to a ceiling


Fire Safety Fundamentals

Smoke Alarms: Have Enough and Install them in the Right Places

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: Consider Buying New Ones Soon

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.

Clear the Way for Firefighters

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:

  • Create and keep clear a path to your home from all sides. Otherwise, firefighters may need to try different access pathways, which takes valuable time.
  • Keep the space around your home free of debris. If there's not much space between your home and your neighbor's, consider storing nothing alongside your home.
  • Declutter your home's interior so firefighters can get to the fire fast.
  • Check with your local fire marshal before installing solar panels. Firefighters sometimes need to cut through the roof of a burning home, and solar panels could slow them down, depending on how the panels are arranged.

Keep Hydrants Accessible

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:

  • Don't park in front of a hydrant. If you do, you risk getting a ticket or towed. If you park in front of a hydrant and a fire starts nearby, firefighters will be delayed in accessing the water they need to extinguish the fire.  
  • Keep the area around hydrants on your property clear of vegetation, bird baths and, in the winter, snow.
  • Don't alter the appearance of a fire hydrant in any way. Hydrants are painted so they're easily visible. In some cases, the color of a fire hydrant gives firefighters useful information about its water capacity, so they need to be able to clearly see the hydrant.
  • If you see a problem with a hydrant — perhaps it's leaking, for example — call your local water department to report the issue. 

Fire Extinguishers: Inspect and Maintain them on Schedule

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.

Every month:

  • Check the entire extinguisher, including the hose, nozzle, pin and tamper for signs of damage, aging or obstructions.
  • If the extinguisher has a gauge, be sure the reading is charged (or in the green zone, depending on your model).
  • Turn the extinguisher upside down and then right side up. If any extinguishing agent has compacted, this process will loosen it.
  • Put the extinguisher in a place that's unobstructed and everyone in your home knows about.

Every year:

  • Have a professional inspect the extinguisher and check if it needs hydrostatic testing.
  • Be sure the inspector leaves a tag on the extinguisher indicating the inspection date.

If you ever need to use a fire extinguisher, remember PASS:

  • Pull the pin with the nozzle facing away from you.
  • Aim at the base of the fire.
  • Squeeze the lever gently.
  • Sweep from side to side.

A group of people grilling outdoors

Holidays and Parties

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.

Grill Safely

Barbecuing is a tasty way to celebrate throughout the summer, so be sure to follow these safety tips:

  • Grill only in a well-ventilated, outside area.
  • Follow all the instructions and safety warnings your grill came with.
  • Clean your grill to prevent flare-ups.
  • Maintain a safe distance between your grill and any combustible items, including: furniture, railings, overhangs and branches.
  • Keep a fire extinguisher nearby.
  • Do not allow kids or pets within three feet of the barbecue to keep them safe and prevent anyone from tipping over the barbecue and causing a fire.
  • Follow any rules your apartment or condo building enforces. 

Get specific fire-safety tips for charcoal and gas grills.

Enjoy Fireworks Without Worry

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:

  • Follow all applicable rules in your area. In many parts of Washington state, fireworks are illegal.
  • Set off fireworks a safe distance away from combustible items or materials, and do not set off fireworks in dry fields.
  • Do not allow children to set off fireworks.
  • Keep an extinguishing method (hose, water source, fire extinguisher) nearby. 
  • Do not re-light a firework that doesn’t ignite properly.
  • Completely extinguish fireworks that have finished burning, and then dispose of them. 

Party on the Rooftop Deck — Responsibly

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:

  • Smoke in designated areas only and obey any smoking bans.
  • Properly extinguish and dispose of anything you do smoke.
  • Inform building management of any accumulated trash or dry foliage. 
  • Grill safely

If you own or manage a building with a rooftop deck, get tips for fire safety.

A residential fire sprinkler head

Upgrade Your Home 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.

Fire sprinklers are set off by heat, not smoke

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 probably won't cause major water damage to your home

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.  

Fire sprinkler systems cost about $1.35 per square foot

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. 

Firefighters battle a wildfire

Wildfires: Prevention and Protection

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.

Protecting Your Home from Wildfire Damage

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:

  • Ensuring your roof is in good condition and made of fire-resistant material.
  • Clearing away combustible material, such as leaves or needles, from the roof and gutters.
  • Installing screens on any openings, including those in the chimney, roof, attic or elsewhere, to prevent embers from entering and starting a fire.
  • Keeping as little combustible material near your home as possible. For example, store firewood away from your home, not next to it. 
  • Using fire-resistant plants in your landscaping and keeping your grass and plants well-watered.

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.

Looking for more tips?

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.