Thanks Smokey for the Endorsement. Protection from FIRE is really important.
HISTORY
After the Great Fire of London in 1666 that nearly destroyed the city,
changes needed to take place.
A number of laws were passed to help such a devastation from happening in the future. One law required that each quarter of the city be provided with 800 leather buckets and 50 ladders along with Firefighting equipment. Each house had to have buckets and participate in hand-to-hand bucket brigades.
Another law allowed for organizations to be incorporated to indemnify for losses due to fire. The first Insurance Company, named "The Insurance Office". At first the insurance companies formed actual fire-fighting teams with badges and equipment to only put out fires for their customers. When they realized it was hard to quickly identify if the house or building was in fact their insured, they issues signs called "firemarks", made out of tin at first, to their policy holders. Then it changed to the city hiring firefighters stationed around the city and their job was to put out fires no matter if they were insured or not. The added bonus for the firefighters putting out a building that had the firemark was the insurance company paying for ale at the local pub for attempting to save their insured's property and extra bonus if they were successful.
Times have changed but not the need to protect our home and businesses from disasters such as fire. We can do all the prevention possible and still disasters happen. The amount that is paid out for a large fire claim far surpasses what is paid yearly for the insurance coverage. It is WORTH EVERY PENNY to have life restored as quickly as possible. When I was in High School, my house had a fire that affected the entire inside of the house because of smoke, fire and water damage from the Fire Fighters water. We were put up at a nice hotel for the duration of the restoration. I still remember the huge pastries at the hotel (The Viking) for Breakfast! Now with the modern convenience of smart phones and Mobile devices- I suggest strongly taking video or pictures of every room, every closet and drawer. In the tragedy, it is almost impossible to remember all the items that were lost for the claim. A great mobile app for Home Inventory called "III Inventory" is listed in the resources below.
Call or email us for any questions or if you would like to set up a review of your insurance needs.
636-391-0700
questions@clhins.com
Resources:
Mobile Apps for Home Inventory:
Home Inventory Mobile App
For Computer Access Home Inventory
Fire Preparedness:
Sparky the Dog teaches kids about Fire safety. Fun site.
A good planning checklist for families.
EMC - 8 most common causes of House Fires.