COLD WEATHER & CHIMNEY FIRES – WHAT YOU NEED TO KNOW

With cold weather impacting much of the United States, the risk of home heating fires increases dramatically this time of year.  In fact, according to the U.S. Fire Administration, home heating fires peak in January and decline to their lowest point during the summer months.

From 2008-2010, an average of over 50,000 home heating fires occurred in the United States each year. They resulted in an annual average of approximately 150 deaths, 575 injuries and $326 million in property losses.  The U.S. Fire Administration reports that confined fires, meaning fires confined to chimneys, flues or fuel burners, accounted for 87% of all home heating fires.

One of the primary culprits is due to chimney fires which occur when residue deposits of soot or creosote on the inner surface of the chimney begin to combust.  A chimney fire can also occur if a material has been introduced into the chimney, such as a birds nest, that ignites when hot embers reach it.

“Chimney fires can not only damage the chimney itself, but they can in many circumstances spread throughout the building leading to extensive damages or even the complete destruction of property,” said Douglas Waldie, President of Hudson Douglas Public Adjusters, LLC. “People with homes with fireplaces should take steps to prevent chimney fires from ever occurring.  A properly constructed and clean chimney won’t catch on fire so the number one priority is to prevent the buildup of deposits. To achieve this, the chimney should be regularly inspected and cleaned when a qualified professional indicates it is time to do so.”

If even a small chimney fire occurs that remains isolated from the majority of the home, it can still lead to hidden damages not visible to the homeowner.  Policyholders faced with a chimney fire of any magnitude should consider hiring a qualified and experienced public adjuster. The chimney fire experts from Hudson Douglas Public Adjusters offer their services in Arizona, Utah, Nevada, Colorado, New Mexico, Ohio, Pennsylvania, and New Jersey.  They are experienced in identifying hidden damages from small fires and working with policyholders who have suffered a significant or total loss of their home or business.