Insurance for homes can range from below $1000 to well above $8000 every year. For commercial or business structures it can be much higher. Three of the major factors in determining this expense is location, square footage of the building, and what purpose the structure serves. Vehicle insurance is another major expense for many Americans and businesses, costing well into the billions. There is one major flaw with an individual, family, or business dumping money into the coffers of the insurance companies. Insurance may only be taken advantage of after damage or loss has occurred. Insurance is a necessary evil, however, it is much more prudent and proactive to prevent or minimize any damage or loss in the first place.
Fire prevention is one of the few tasks in which a home owner or business can take an active role. In the past decade, there have been over half a million fire each year, according to the U.S Fire Administration. In 2007 that number reached an all time high. The U.S. Fire Administration has attributed at least 191,000 deaths and injuries to fires. The Centers For Disease Control and Prevention has cited an individual died every 158 minutes in 2008 and sustained injuries every 31 minutes. Approximately 40% of the time a person died in a house without any smoke alarms.
The point of these sobering statistics is to illustrate how dangerous it is to overlook fire safety. Because of the high frequency of injuries due to fires, many fire codes and building codes are changing to reflect the need for some manner of fire suppression system in newly built residences and most commercial facilities. The most common type of fire suppression is fire sprinklers. With commercial or service facilities such as hospitals and schools, more robust fire suppression systems are frequently installed as different burning materials require specific chemicals.
While overhead fire sprinklers are an effective means of combatting fire, many times there can be water damage to sensitive equipment such as computers and other electronics. Because of this, there are waterless systems available. Grease fires are another specific type of fire which requires special handling. In all cases though, one of the major additions to every single structure should be an fire alarm.
Fire alarms can save billions of dollars of damage every year, not to mention a person’s life. Unfortunately, the gross majority of residences are without any type of fire suppression. Fire alarms should not be confused with smoke alarms. Smoke alarms can be the first line of defense to protecting people’s lives. A fire alarm is the best method to help protect buildings and the contents.
Other than saving lives, houses, and businesses, installing a fire alarm is almost a guaranteed method to receiving safety discounts on insurance premiums. The choices are to pay a high premium with a poor chance that the home or business will survive a fire intact or pay a smaller premium and guarantee the chances that a fire alarm will notify the fire department in time to minimize serious damage.
Many websites provide additional information on the topic of fire suppression, fire alarms, and fire prevention. One such site worth visiting is http://www.brothersfire.com.
Dan Elliott independently author’s articles for WebDrafter.com, Inc. (http://www.webdrafter.com) for search engine marketing. The views and opinions expressed in this article are those solely of the author, and not of any other person, company, or organization. No guarantee or warranty, express or implied, is made regarding the accuracy, fitness, or use of the content herein.