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Fire and Smoke Damage


Articles on Fire and Smoke damage and more Tips :

  • Protect your home from fire loss
    Your home insurance policy is your primary line of defense if disaster strikes. Here's what to if you're concerned that your neighborhood could be hit.
    Tip 1: Create an inventory
    Make sure you're insured for what you own by conducting a room-to-room inventory of your valuables. You can get started by checking out the home inventory guide at the Web site for the Insurance Information Network of California,
    For the full article click here
  • What are the risks covered under fire insurance?
    Fire insurance business in India is governed by the All India Fire Tariff that lays down the terms of coverage, the premium rates and the conditions of the Fire Policy. The fire insurance policy has been renamed as Standard Fire and Special Perils Policy. The risks covered are as follows:
    Destruction or damage to the property insured by its own fermentation, natural heating or spontaneous combustion or its undergoing any heating or drying process cannot be treated as damage due to fire. For e.g., paints or chemicals in a factory undergoing heat treatment and consequently damaged by fire is not covered. Further, burning of property insured by order of any Public Authority is excluded from the scope of cover.
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  • After the Fire is Out: Cleaning Household Textiles and Clothing
    Fires cause considerable damage to homes and their contents; however, "after the fire" activities can cause more damage. It is important to take immediate, appropriate action. Carpets, draperies, upholstered furniture and clothing usually can be refurbished after a fire, except for scorched or severely water damaged items.

    Fire creates two types of smoke damage — the visible soot and the invisible odor. Because each fire is different, it is not possible to provide one set of guidelines for removing soot and odor. For example, smoke odor from wood could react differently to certain cleaning products than smoke odor from plastics. It usually is difficult for inexperienced home owners to remove soot and smoke odors without professional assistance or advice.

    This guide provides emergency steps to take after the fire is out and explains some of the processes professional fire restorers use to remove soot and smoke damage. Information about cleaning clothing is based on research findings. Dry cleaning is recommended to remove soot and smoke odors from clothing, but that may not always be the answer.
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