A recent study showed in 2004 alone, 3,190 people died in home fires in the United States. Here in Connecticut 13 deaths have been blamed from structure fires since last November, (5 )from the Christmas day fire tragedy in Stamford.

Fire can harm all of us. People do not realize how quickly a fire can grow. Many overestimate their ability to extinguish it and the amount of time they need to escape. The best action one can make if a fire starts in your home is to GET out and STAY out. Many go back in trying to help others or save belongings. Going back into a fire is never the right move. This is the job of your firemen. This is what they are trained to do.

Homeowners and renters insurance policies are essential to help get back on track after a fire loss.

After the fire is where the insurance process will begin. What carrier do you have insurance with?  What coverages do you have? What is your deductible? What items were damaged or lost? Where will you stay while your house is repaired or replaced? These are just a few of the questions that will need to be answered. One might not be able to answer these questions after such a catastrophic event.

Are you ready to handle a situation like this? This is why it helps to have a local agent. Do you know how your insurance company handles this? After a fire loss, one has enough to deal with. Make sure your familiar with your insurance company, your agent and your policy. This will make the transition though this hardship much easier.