How can we help prevent fires in housing?
Over the past five years, we have experienced large losses within Zurich Municipal, particularly within Housing Associations, where large losses totalled £36 million. Of these losses, 62.5% were in relation to fire and explosion, with the damage costing approximately £23 million.
We have also seen a large increase in the amount of fire related incidents during 2021, with a total of 17 losses whereas in previous years the annual average number of large fire losses was four.
Over 70% of these incidents were caused by human activity, which means that to some extent, these might have been preventable. Fire clearly continues to be a cause for concern and, by reminding ourselves of the following safety tips, we can all help with reducing the risk of fires occurring.
Smoking
From falling ash to discarded still-lit cigarettes, the majority of claims received last year for fire damage in housing were caused by smoking. Even vaping and using e-cigarettes pose a risk, as the batteries and chargers used to keep them powered can lead to short circuits, sparking and in some cases explosions.
- All smoking should be done away from flammable materials any cigarette ash or stubs should be disposed of in a safe non-flammable container or ash tray.
- Do not smoke in bed, or on sofas or armchairs. Smoking outside is safer, but do not smoke on balconies.
- Ensure that cigarettes are fully extinguished before disposal, and switch off all e-cigarettes/vapes before storage.
- Any cigarette ash or stubs should be disposed of in a non-flammable container or ash tray.
Barbecues
There’s nothing nicer than a barbecue with friends and family in the sunshine. However, barbecues can quickly get out of hand and cause damage if not used with caution. To help make your summer safer, remember the following:
- If you live in a multi-storey building, never use a barbecue on a balcony.
- Barbecues should always be supervised while in use, and kept away from flammable materials.
- Store the barbecue on a flat, fireproof surface, to reduce the risk of them tipping over.
- Disposable barbecues can remain hot for hours after use, and if not disposed of safely can lead to injuries as well as property damage. Disposable barbecues should be completely extinguished before throwing away.
- Always follow the instructions for use.
Candles and incense burners
They may make your home feel cosy, but when placed in the wrong spot or left alone for long periods, that tiny flame can quickly spread throughout the house. So before you strike a match, try to remember:
- Candles, tea candles and incense burners should never be left unattended, and should only be used far away from curtains, net curtains, carpets and other furniture that could catch fire.
- If you are leaving the room, make sure that all candles are extinguished first.
- Make sure you have smoke alarms installed and test it regularly
Criminal activity
Unfortunately, every year we receive claims for fire damage caused by criminal activities such as arson and cannabis farming.
- Arson controls should include careful management of external combustible materials. Waste should be secured in bins that are away from the building, and loose combustible materials should be promptly disposed of.
- Be vigilant – keep an eye out for suspicious behaviour. If you see something that doesn’t look right, report it to the relevant authorities as soon as possible.
- Call the fire services immediately if you discover a fire. Do not attempt to extinguish the fire yourself.
Paperwork
Even in this digital age, many of us still have paperwork lying around at home. While we may want to keep important documents close at hand, if they are not stored away safely, they pose a risk of catching fire.
- Try to refrain from printing documents where possible (it’s better for the environment!)
- Keep paper away from stovetops, heaters, fireplaces, and candles
Windowsills
Everyone wants to see themselves in the best light, but firefighters recommend that glass ornaments such as paperweights and reflective items such as magnifying mirrors should not be left on windowsills, as sunlight can reflect off or through their surfaces and set fire to things such as curtains.
Electrical fires
Technology can be a powerful tool that makes our lives easier, but the fact remains that every year fires are caused by electrical items.
- It can be tempting to plug in multiple devices and charge everything at once, but avoid overloading extension leads, as this can cause the plug in the wall socket to overheat and potentially catch fire.
- For the same reason, never “daisy-chain” extension leads together, as this increases the risk of overloading the socket.
E-scooters have seen a rise in popularity over the past few years, but unfortunately, the number of claims received for lithium battery fires has increased as a result.
With all electrical devices, it is recommended that you:
- Only buy legitimate accessories from reputable companies.
- Follow all instructions from the manufacturer for usage and charging.
- Never leave items unattended for long periods of time while charging.
Indoor fires
With the UK currently undergoing significant increases in the cost of things like food, fuel and energy, we are sadly seeing headlines in the news of people resorting to desperate measures, to try to keep costs down.
- If you use a log burner or open fire, keep all other items and kindling well away from the flames.
- Install a carbon monoxide alarm
- Have your chimney regularly cleaned
- Use a fireguard and watch out for any sparks or embers.
- Only use materials that are safe for burning. Do not use treated wood which can produce toxic fumes when burned.
- Do not place clothes or any other items to dry on radiators or electric heaters.
Fire remains one of the most significant risks to our homes, but by reminding ourselves of the ways in which we can prevent fires, we can protect our property, and each other, from its devastating effects.
