Independent Insurance Adjuster
Nationwide, September is traditionally deemed Campus Fire Safety Month. With that said, our independent insurance adjusters thought that it would appropriate to spend a few moments this week discussing both on and off-campus housing fires.
According to FEMA’s latest figures, more than 3,700 university housing related fires take place annually, with the largest percentage occurring in the fall. The organization’s historical data also shows that on and off-campus fires often account for millions in property loss as well as substantial injuries and death.
So what’s the cause behind those fires? Research has show that cooking mishaps, overall carelessness and criminal behavior (arson) are frequently to blame. The group Campus Firewatch also attributes some of the incidents to faulty or inadequate fire safety devices (i.e. fire extinguishers, smoke detectors and sprinkler systems).
Now that you know those facts, you may be wondering how to protect yourself and your property from campus fires. We’d suggest that you start by signing up for fire insurance. There are many companies nationwide that offer fire insurance to students. In most instances, the policies will cover the costs associated with property loss. Investing in non-flammable furnishings and safe electronics are also smart actions to take.
As far as personal protection goes, we’d recommend checking with your on or off-campus housing manager to make sure that the building meets current fire and safety codes. It’s also a good idea to periodically examine your smoke detectors, learn all of the building’s escape routes and keep an approved, working fire extinguisher close by.
If your best efforts fail to keep your on or off-campus dwelling fire free, be sure to contact us. Our independent insurance adjuster can help you file your campus fire related claim and negotiate with the insurance company. We can also assist you with any pre-existing fire damage claims that you feel may have been settled unjustly. To learn more, call us at (877) 869-8989 or visit the Equitable Public Adjusters & Appraisers’ website.
