by Answerbag Staff on February 7th, 2010

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What should i do if my house burns down?

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  • by Sarah Albrecht on February 7th, 2010

    Answerbag Experts

    Great Answer

    Professionally Researched. (What's this?)

    House fires can hurt, kill and cost a lot of money. Four thousand Americans die each year in house fires. House fires can spread extremely fast leaving little or no time to gather personal belongings or even evacuate. If you suffered from a house fire or just want to know what to do in case one happens all you have to do is follow a few simple rules.

    Precautions

    The first thing to do in the event of a house fire is to get out of the house immediately and dial 911. If you or your loved ones have suffered from burns you need to take care of them by cooling and covering them. If the house does not belong to you, notify the landlord immediately. If you have a fireproof safe that contains your valuables, you should not open it right after the fire as it may still be hot. You should wait at least a few hours until you know it has cooled.

    Who to contact

    After a house fire you may need to contact the Red Cross, your insurance company or other private organizations, the fire department, the IRS, your mortgage company or the police. If the house is unlivable contact the Red Cross to assist you in finding temporary housing if you have no other place to live. Contact the fire department because they can tell you how severe the damage to your home is and whether it is safe to go inside to recover items. Make an inventory list of all your possessions that were damaged in the fire and inform your insurance company of your inventory. Do not throw away any belongings until you make the inventory. You may also want to take pictures of the damages. Be sure to keep all receipts related to money spent because of the fire. You can use these receipts either for tax purposes or to show the insurance company. If your important documents such as birth certificates, social security cards, passports and driver's licenses were damaged in the fire you need to call the appropriate agencies to get them replaced as soon as possible.

    Insurance claim process

    After a house fire contact your insurance company immediately to file a claim. Most homeowner's policies cover damage caused by a fire, so if your home has burned down your insurance company will probably pay to have it rebuilt.

    When you file a claim with your insurance company give them the following information: the date of loss, the type of loss or damage, the location of damage, the condition of the home, the description of any other contents that were damaged, a police report, if any other people were involved, if you need temporary repairs, and if anyone was injured. Keep a copy of the police report for your personal records. Take pictures of the damage because pictures can help you document the things in your home that were damaged in the fire.

    Source:

    ABC News: Tips for Filing Fire Insurance Claims

    MSN Money: How to file an insurance claim -- and win

    More Information:

    U.S. Fire Administration: After the Fire Strikes - More Information

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  • by Freedom00 on April 13th, 2011

    Freedom00

    The very first thing to do is get your kids and your pets and get your happy a*s out of that house.

    Than, call 911; and your insurance agent.

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  • by tyler5booth on April 13th, 2011

    tyler5booth

    React when you hear your smoke alarm. If you hear your smoke detector or alarm going off, get out of bed, wrap yourself in a blanket if there's one handy and get the heck out of there! Shoes or slippers are a good idea if they are handy, but do not take the time to tie your shoes

    2Use the door. If your door is open and there is a fire preventing you from exiting the room, close the door to protect yourself from the fire, and follow the "hot door" procedures below. Otherwise, treat it as a "cool door".
    3

    Feel the door. If your door is closed, feel it for heat with the back of your hand, NOT as shown in this picture.


    If you feel down towards the bottom of the door and it is really cool, that's good. Open it slowly and take a look at the conditions on the other side. If there is a lot of smoke and it's banked up towards the ceiling area, stay lower to the ground and crawl to get yourself out. If you are able to get out, also go through and yell for other people to get out of the house. Wake everyone up, get the kids out of bed, and get outside as quickly as you can.

    If you feel the door and it is hot, there is a lot of heat on the other side. Do not open it; use a second way out. If there is no safe door, go over a the window and try to get out of the house that way.
    4

    Know what to do if your exit is blocked by fire. You should always have two means of exiting the building. If you cannot get out the front door, what are the secondary escape routes? Think about whether it is a window or a different door. You should always make an escape plan with your family.
    5Escape from a second story window. If you have a two-story house, you should have an escape ladder that you can throw out in case a fire or other problem happens.
    If you are trapped in your second story room in the event of a fire, do what you can to get yourself to an area where people will be able to hear you or see you. You can take a sheet or something else - white preferably - and hang it out the window to signify that you need help when the first responders get there. Be sure to close the window -- leaving it open draws the fire towards the fresh oxygen. Put something down to prevent the smoke from coming underneath the door, such as a towel or anything that you can find.
    If you really must get out of the window, look for a ledge and if there is a ledge, you can get yourself out onto the ledge facing the building. Always face the building structure when exiting a window on an upper floor. From a second story, if you have to hang, you might get closer to the ground and you could potentially let go and fall to safety. However, the truth of the matter is that you are probably a lot safer staying put and trying to compartmentalize by closing doors between you and the fire, prevent the smoke from coming into the room, putting something over your nose and mouth to filter the air and hoping for the best.
    6

    Protect yourself from smoke inhalation when inside. Take a t-shirt or a rag and wet it. Place it over your nose and mouth. This will only buy you a minute or so, which is not a lot of time, but it does help to filter those products of combustion which lead to smoke inhalation. Smoke inhalation causes people to become disoriented and can even render a person unconscious. Knowing this, you should cover your nose and mouth if you have to walk by or through a heavily smoke-filled room.
    7Account for everyone and call for help once you are out.

    Have a pre-determined meeting place for all family members.
    Do a head count. If anybody is missing, only re-enter the building if it is safe to do so. Tell the first responders immediately on their arrival if you are afraid somebody is missing. Likewise, if everybody is accounted for, let the fire responders know so that they're not sending people in endangering their lives looking for others.
    Call your local emergency services number. Call 911 in North America, 000 in Australia, 111 in New Zealand and 999 in the UK or 112 from your mobile (this number has priority on the mobile phone network in the UK as too many 999 calls are made unintentionally) 112 is the emergency number in all of Europe and will be directed to the local emergency number by the network if necessary. Use your cellphone or call from a neighbor's house.
    Do an assessment. After making the call and the resources are coming, it is time to check yourself and family members to make sure that there are no injuries. If there are, do what you can to address that and when the fire department arrives, you can ask for directions and help.
    8

    Get away from the structure. Keep a safe distance between you and the fire. Read Know What to Do Following a House Fire to follow up after a house fire.

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