Category Archives: Business Property Insurance

Fire Insurance has an interesting history. You can look back as far as King Hammurabi or the 1666 great fire of London which sparked (no pun intended) the idea to offer fire insurance for buildings and  homes.

History of Fire Insurance

Fire was the primary peril covered in early insurance policies.  American insurance companies followed the British model, but not for another hundred years. It seems that the lives of those who were brave enough to venture to the new world were far too dangerous a risk for the UK companies at that time.

My family has been involved in the volunteer emergency services since 1998. Fire stands out in our minds as a prevalent threat to homeowner’s and business owners alike. Most of you may consider theft or weather damage more likely to cause a loss. It’s a matter of perspective, but having both the insurance and the fire service experience under our belts, we can’t help but put fire at the top of the list.

A Devastating Loss

This call came in around 3:30pm one afternoon in 2012. It was a structure fire at a private home.  When I heard it come over the radio that the fire was through the roof, I knew the house was lost.

What the FD rolled up on

Credit to www.lohud.com  and The Pound Ridge Fire Department for the photos of the fire.

The cause of the fire was never confirmed due to the amount of damage. It’s always so sad to see a beautiful home lost like this. It just punctuates the importance of keeping  your home insurance current.

Some Recommendations

You should have smoke alarms on every level and wing of your home. Fire extinguishers should be located where all household members and guests can access them. You can install a central station fire alarm system and have it monitored so that the authorities can be called automatically if a fire breaks out. You should practice escape routes with your loved ones so they know them in the event of a fire. If a fire starts, GET OUT OF THE HOUSE. Then call 911.

We want to help make sure you have the right amount of coverage. Call us for a free Homeowner’s quote and comparison of your current coverage.