Fires Can Happen – Are You Covered

Fires Can Happen – Are You Covered?
Did you know that the cost of fire  suppression by the fire department for a structure fire is payable by the  property owner to the fire suppression provider?  Did you know that if a  fire department responds to any other sort of fire:  ie)  grass,  lawnmower, burn barrel, home alarm, false home alarm, that there will also be a  cost to the property owner?

Most insurance companies standard coverage payable for fire suppression is  $10,000.00, this may not be enough to cover the bill of a fire.  Within  various municipalities, we have seen fire suppression invoices for grass fires  as high as $11,000.00 and invoices for structure fires ranging from $8,000.00  to $28,000.00 and these invoices have come to us through three different fire  services providers responding to the various incidents.

Do you have enough insurance to cover these costs?  Do you need to  increase your coverage?   What does your policy say?

Be sure you take a look at your home insurance policy or talk to your insurance  agent.  Most insurance companies provide an option for you to increase  your various coverages for very reasonable additional costs.  Ask your  provider if your policy covers and what amounts are covered specifically for  grassland, fire suppression and call-out costs.