The Most Common Causes of Homeowners Insurance Claims

(BPT) – The value of homeowners insurance is often thrust into the national spotlight when natural disasters happen. The devastation and financial loss they can cause reinforces the importance of making sure you have adequate insurance coverage to rebuild if disaster strikes your home. In 2017 alone, the U.S. was struck by 16 separate billion-dollar disaster events, resulting in a record-breaking $300 billion in damage, according to the National Oceanic and Atmospheric Administration.

Thankfully, most Americans don’t experience large-scale natural catastrophes, but millions of homeowners do experience some kind of property loss each year and need to make an insurance claim. The most commonly reported homeowners insurance claims are actually the result of events that can occur at any time, so it’s important for homeowners to be prepared for these potential risks.

Water Damage Claims Are Most Common

“Water claims are the ones we see most often,” says Christopher O’Rourke, Vice President of Property Claims at Mercury Insurance. “While certain perils are seasonal, water damage can occur any time of year. It’s important for homeowners to conduct routine maintenance of appliance hoses and water pipes to make sure there aren’t cracks or leaks and, if any are detected, have them repaired or replaced immediately.

“Another thing everyone can do to protect their homes from leaks is turn off their main water supply when they’re away for an extended period of time. No one wants to return from a relaxing vacation to find water running through their home.”

Smart home technology also delivers an extra layer of protection for homeowners by providing 24/7 monitoring to help detect water pipe leaks. Professionally installed water pressure sensors, for example, work with most smartphones and can, among other things, automatically shut off the home’s main water supply if a leak or burst pipe is detected. And the best part is that insurance companies like Mercury Insurance will often provide a discount for homes that implement this technology.

O’Rourke also notes that most homeowners insurance policies don’t cover flood damage caused by rising water from storms or overflowing bodies of water, so he recommends homeowners consult with their local insurance agent to learn how to protect against these types of events.

Fire Damage is a Concern For Homeowners

While water claims are the most common, fire damage is another possible concern for homeowners and can be caused in several ways. The National Fire Protection Association reports nearly half a million structure fires occurred in 2016, resulting in $7.5 billion in property damage, and wildfires ravaged California in 2017, leading to one of the year’s billion-dollar disaster events. O’Rourke suggests controlling the things you can and mitigating against the perils you can’t.

“Most home fires happen when people are inattentive or negligent. These fires are preventable if people don’t leave things like lit stoves, fireplaces, candles or portable heat sources unattended. You should also refrain from overloading electrical outlets and using appliances with frayed electrical cords,” he says. “These things seem like common sense, but it’s amazing how many claims we see that result from simply not paying attention.

“Wildfires can be extremely scary and dangerous and there is often little warning when they sweep through areas, leaving homeowners little time to protect their homes. Most of this work needs to be done before a fire erupts. Homeowners can mitigate against this risk by keeping their yards free of dry brush, grass clippings and twigs, keep tree branches trimmed and bushes pruned. They should also make sure their roofs and gutters are cleared of leaves and debris.”

Theft Can Be Costly

Theft doesn’t necessarily pose a threat to the physical structure of a home, but it too can be costly and it often leaves homeowners feeling scared and violated. The FBI’s Universal Crime Report estimates 1.5 million burglaries occurred in 2016 – with residential properties accounting for 69.5 percent of these offenses.

Homeowners can help safeguard against theft by taking simple, but often overlooked precautions like ensuring doors and windows are locked, and not leaving spare keys in easy-to-find locations. Several smart home devices can also aid in deterring potential thieves by allowing homeowners to adjust lights, monitor security cameras and activate security systems from their smartphones even when they’re away from home.

“Our claims team strives to get our customers back on their feet after a loss. Our hope is that people never experience such an event in the first place, but if they do we want them to know that it is our goal to help them get their lives back to normal as quickly as possible,” adds O’Rourke.

Mercury Insurance provides homeowners with additional tips to protect against common insurance claims. Visit https://blog.mercuryinsurance.com to learn more.

Hard Water Proves Hard on Your Wallet

(BPT) – Hard water, which contains high levels of calcium and magnesium, can be found in nearly 90 percent of American homes. These minerals cause scaling, a buildup that clogs waterlines and plumbing forcing appliances to work harder and operate less efficiently. The scale may also harbor bacteria. The only way to truly remove the hard and soft scale from household water systems is with salt-based water softeners.

The environmental and cost benefits of salt-based water softening are significant. Hard water scaling can cause your showerhead to lose up to 75 percent of its flow rate in just 18 months. Hard water also interacts negatively with soap, reducing its cleaning power. Soft water is up to 12 times more effective at cleaning dishes than increasing the amount of detergent used.

According to the Water Quality Research Foundation for washing machines, the most important factor in removing stains from clothing was water softness. Reduction of water hardness was up to 100 times more effective at stain removal than increasing the detergent dose or washing with hotter water. In fact, soft water can reduce soap use by as much as half. Hard water can also reduce the efficiency of water heaters and increase electricity costs by as much as 48 percent, according to the Battelle Memorial Institute.

Hard water scaling doesn’t just harm your appliances and wallet, it can harm your health as well. The piping used in home plumbing, whether it is copper or PVC, has very smooth interior surfaces that don’t permit bacteria to settle and grow. However, hard water results in scale formation on the interior surfaces of those pipes and that provides a perfect home for bacteria.

Researchers at the School of Sustainable Engineering at Arizona State University found bacteria may grow in pipes filled with both hard scale and soft scale at the same rate. This is important new information because some forms of water conditioning produce this soft scale. The only solution is to remove both hard and soft scale in the pipes with a salt-based water softener.

Hard water you use to wash your fresh fruits and vegetables may actually contain more bacteria, and the problem isn’t only in the kitchen. When you take a hot shower the steam you are inhaling can also contain the same microbial contamination that is in the rest of your plumbing, exposing you to bacteria such as Legionella, which can cause Legionnaire’s disease.

A salt-based water softener is the most functional and cost-effective means of removing hardness minerals. It is a time-tested, highly reliable tool to improve health and to lower maintenance costs for home appliances like dishwashers and washing machine. It also reduces the need for detergents and high-water temperatures, leading to a smaller household carbon footprint.

Call Before Digging When Landscaping This Spring

(BPT) – With spring having officially begun, many eager homeowners and landscape professionals across the country will roll up their sleeves and reach for their shovels to start projects that require digging this season.

During the transition into “digging season,” Common Ground Alliance (CGA), the organization dedicated to protecting underground utility lines, people who dig near them, and their communities, reminds homeowners and professional diggers that calling 811 is the first step toward protecting you and your community from the risk of unintentionally damaging an underground line.

Every digging project, no matter how large or small, warrants a free call to 811. Installing a mailbox or fence, building a deck and landscaping are all examples of digging projects that should only begin a few days after making a call to 811. Calling this number connects you to your local one-call utility notification center.

According to data collected by CGA in a phone survey in February, millions of American homeowners will likely do DIY projects involving digging this year, but 36 percent of them do not plan to make a free call to 811 before digging. Extrapolated to the full population of U.S. homeowners, approximately 48.3 million people will dig this year without first calling 811.

A utility line is damaged every nine minutes in America because someone decided to dig without making a call to 811 to learn the approximate location of buried utilities in their area. Unintentionally, striking one of these lines can result in inconvenient outages for entire neighborhoods, serious harm to yourself or your neighbors, and significant repair costs.

As a result, CGA offers the following tips to make sure you complete your project safely and without any utility service interruptions, so you don’t become a statistic.

Here’s how the 811 process works:

1. One free, simple phone call to 811 makes it easy for your local one-call center to notify appropriate utility companies of your intent to dig. Call a few days prior to digging to ensure enough time for the approximate location of utility lines to be marked with flags or paint.

2. When you call 811, a representative from your local one-call center will ask for the location and description of your digging project.

3. Your local one-call center will notify affected utility companies, which will then send professional locators to the proposed dig site to mark the approximate location of your lines.

4. Only once all lines have been accurately marked, carefully dig around the marked areas.

There are nearly 20 million miles of underground utility lines in the United States, which equates to more than a football field’s length of utilities for every person in the U.S. Your family depends on this buried infrastructure for your everyday needs including electric, natural gas, water and sewer, cable TV, high-speed Internet and landline telephone. With that much critical infrastructure underground, it’s important to know what’s below and call 811 before digging.

To find out more information about 811 or the one-call utility notification center in your area, visit www.call811.com.

How Many Miles Per Gallon Does Your Home Get?

(BPT) – Everyone wants the inside scoop on how to get the best deal. Ironically, consumers will do a bunch of research over a $500 smart phone and relatively little for the largest purchase of their lives, their homes.

Most home buyers focus on price and payments, however, factoring in a home’s energy consumption costs could save tens of thousands of dollars over years of ownership. Comparing the performance and construction quality of one home to another is often not apples to apples. Newly built homes tend to be more energy efficient than older homes, but total performance is also influenced by the builder and design, said CR Herro, a building scientist and vice president of environmental affairs for Meritage Homes.

Home Energy Rating Score

When buying a new or resale home, buyers can use a shopping tool to help them understand the anticipated costs of a home’s energy bills. The Home Energy Rating Score, or HERS, is the industry standard for measuring a home’s energy efficiency. It was created by the not-for-profit Residential Energy Services Network (RESNet), an independent consortium of building scientists and construction experts.

Think of HERS like miles-per-gallon fuel economy for your car, except that a lower HERS is better:

* According to the U.S. Department of Energy, a typical resale home in the U.S. rates a HERS 130 and costs approximately $200,000 in utilities over a 30-year mortgage.

* Utilities for a home that scores 100 would cost 30 percent less, saving $60,000 in operating cost.

* Utilities for a home that scores 65 would cost approximately half, saving $100,000 in operating cost over 30 years.

Some builders, such as Meritage Homes, design homes to capitalize on energy efficiency and can achieve HERS scores lower than the 2016 U.S. average of 62 by including high-efficiency heating, cooling, windows, lighting and insulation in all their homes.

How To Know the Score

“Knowing the HERS score of your home can be the difference between a European vacation every few years or a kiddie pool in the driveway,” said Herro. “A lower HERS score could also raise the value of your home because the rating is being added to home appraisal standards.” Proposed federal legislation also could provide mortgage borrowing advantages for homes with low HERS, he added.

More than 2 million homes in the U.S. have been HERS rated for energy efficiency, generating energy savings of $268 million in 2016 alone, according to RESNet. More homes are being rated as home builders increase their participation in the HERS program and post the ratings for the homes they build. To find the HERS for a home, a list of participating home builders and tips for improving the energy efficiency of your home, go online to: http://www.hersindex.com/knowthescore/.

Protect Your Home From Termites This Spring

(BPT) – Spring is officially here, bringing flowers, greenery and increased pest activity. Because termite evidence is more noticeable in warmer months, it is important to check for any warning signs every spring. Fortunately, there are a few things you can do to reduce the likelihood of a termite infestation in the first place.

Keep Shrubs Trimmed

Well-maintained shrubbery looks nice, but it also serves an important purpose: Trimming shrubs reduces the likelihood termites and pests will enter your home. Stray branches that touch a house’s exterior provide pests with direct access to potential entry points. By properly maintaining landscaping, you can make access more difficult for these unwelcome houseguests.

Modify Your Landscape

It’s important to make smart decisions when adding landscaping, because termites are more attracted to some materials than others. Instead of traditional mulch, opt for synthetic mulch or pea gravel. These alternatives are less attractive to termites than wood-based mulch.

Maintain Home Exteriors

Termites need water to survive. Controlling excess moisture can help reduce the risk of an infestation. Regularly maintaining home exteriors, such as wooden siding and windows, can help you detect and repair leaks early.

Monitor Interior Moisture

Many homeowners forget to think about moisture inside their homes, particularly in basements and crawlspaces. Properly ventilating these areas helps minimize the amount of moisture around floor joists and subflooring. Reducing moisture in interior spaces can help reduce the likelihood that termites will take up residence in your home.

If you suspect you may have a termite problem, the best solution is to call a pest professional such as Terminix. Termite warning signs include blisters in wood flooring, hollowed or damaged wood, and evidence of swarms such as discarded wings, mud tubes and droppings that resemble sawdust or coffee grounds. Early detection can prevent a small termite problem from becoming a widespread infestation.

High-Tech Bathroom Trends for 2018

(BPT) – Technology is trending in home design and decor this year, and some of the most dramatic, futuristic and fun tech trends are showing up in the bathroom. From glass doors and windows changing from clear to opaque with the touch of a button to toilets transforming the whole experience of going to the loo, it’s all about high-tech tricking out your oasis.

Here are four tech trends that will take your bathroom into hyperspace.

1. Privacy Glass

Glass blocks are opaque but let in some filtered light; blinds or shades get in the way. The answer? Privacy glass. It is an ultra-futuristic special adhesive film that’s cut to fit your existing glass doors and windows. Tap an app on your smartphone and transform your glass from opaque to transparent instantly. (Alien technology? We can neither confirm nor deny that.) It gives you privacy when you need it and lets the sun shine in when you don’t, and eliminates the need for shades or blinds, giving your bathroom a sleek, clean look.

2. High-Tech Toilets

This is not your father’s WC. Toilets today offer technologically advanced features like sensor-operated seats and lids, night lights, deodorizers, self-cleaning technologies and heated seats.

A toilet with a TOTO WASHLET electronic bidet seat is a coup de loo that leaves you cleaner and more refreshed than you’ve ever felt after a bathroom break. Operated by remote control, it’s completely hands-free and offers comfortable, warm, aerated water to cleanse, warm air dryer and heated seat. No need for toilet paper.

The Aquia IV High-Efficiency Toilet Dual Flush and WASHLET+ S550e combine seamlessly (no visible cords or hoses). This elegant design features high-tech innovations to make your life cleaner, healthier, less complicated and more beautiful – auto-open/close seat and lid, electrolyzed water to keep your toilet bowl hygienic without harsh chemicals (better for the environment and your pocketbook), and in-bowl deodorizer. The new DYNAMAX TORNADO Dual-Flush Technology cleans the entire bowl and rim with 360 degrees of cyclonic rinsing action. Its CEFIONTECT glazed surface is smooth down to the nano level, preventing matter from adhering to its surfaces. Visit www.totousa.com to learn more.

3. High-Tech Warmers

While a warm bathroom floor isn’t new, some manufacturers are taking it up a notch by making it digital. These systems feature a mat that’s installed under your tile. It’s Wi-Fi enabled and connected to a digital thermostat that you control from your smartphone.

Make your towels toasty, too, with a towel warmer. Pop your towel into what looks like an ordinary bathroom cabinet, but it’s really a hidden, stainless steel warming drawer, and your towels will be toasty by the time you’re finished with your shower.

4. Digital Steam Spa

You don’t need a major remodel to get a steam shower. There are kits for that! They’re digitally operated steam generators that even include aromatherapy features (think eucalyptus steam when you’re stuffy with a cold).

The bathroom is the place where you start and end your days, your oasis for renewal. With these new high-tech products, you can design your perfect retreat.

Don’t Re-Roof Until You Do These 5 Things

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(BPT) – With spring officially arriving, home improvement season is swinging into full gear. Fair warning to homeowners looking to hire a professional, 2018 is predicted to be a record-breaker.

A recent study by the Joint Center for Housing Studies of Harvard University projects home improvement spending will approach $340 billion this year – the strongest gain for remodeling in more than a decade. Among the costliest of projects is roofing, a large expense with serious implications if put off or improperly done.

When you add 2018’s remodeling demand with the much-talked-about skilled labor shortage, on top of the recovery from last year’s hurricane season, homeowners could be tempted to jump right into major home work, all without doing their homework first. As this could prove costly, consider the following before anyone sets foot on your roof:

1. Check Contractor Qualifications

Choose a local, reputable contractor. These contractors should have the best knowledge of local building codes, state codes and required certifications and licenses. Ask the contractor to see their certificate of insurance before stepping onto the roof. Consider going the extra mile and choosing a contractor certified by the manufacturer of the shingle the contractor installs. Improper installation is considered one of the major reasons roofs fail prematurely, so finding a contractor with knowledge and experience in the correct application of a particular product is of the utmost importance.

2. Determine Layover Or Tear Off

Many times, contractors will push for a removal of all existing shingles, or a tear off, over adding another layer of shingles on top of an existing roof, a layover. Although a complete tear off is more expensive due to increased labor costs, there are some advantages.

“When you tear off, you get a chance to look at the roof deck and repair any deteriorating wood or substrate,” said Rick Taylor, longtime roofing contractor and a trainer for shingle manufacturer TAMKO Building Products Inc.

Typically, doing a layover is more economical, although homeowners need to discuss relevant factors with their contractor, including local building code requirements and implications for the manufacturer’s warranty.

3. Research the Warranty

It is important to understand the warranty specific to the roof product you have installed. Educate yourself on requirements for installation, including whether a shingle layover is applicable (as mentioned above).

“Some shingle manufacturers won’t warranty the roof unless it is a complete tear off,” Taylor said. “TAMKO is one that actually does have the option to warranty a laminated shingle applied over one other layer of 3-tab shingles.”

Other warranty concerns to consider include proper installation, the required steps to register your roof after installation and the time period allowed for transferring that warranty to future owners of the home.

4. Assess Ventilation Needs

Inadequate roof ventilation is another major culprit behind premature roof aging. There are a variety of options for roof ventilation; however, it is generally recommended to incorporate proper ventilation into the original re-roof, rather than add it later. The recommended ventilation depends on the size and architecture of the home, but when done correctly, the air inside the attic should be near the same temperature as the ambient temperature of the air outside it.

5. Check the Weather

It may seem obvious, but a simple check of the weather before starting a roofing project could prevent a big headache later. Avoid starting a project with wet plywood or underlayment, or when the forecast indicates a strong chance of rain. Also, many manufacturers of asphalt shingles, the most popular form of roofing in the U.S., do not recommend installation in below-freezing temperatures or in excessively high temperatures.

Careful consideration of these steps during your next home exterior project could save you from costly and lengthy rework years later.

Are Hidden Leaks Damaging Your Home?

(BPT) – Home water leaks waste 1 trillion gallons of water per year, and 10 percent of American homes have leaks that waste 90 gallons of water a day, according to the EPA.

Fixing easily detectable leaks like dripping faucets and malfunctioning toilets can reduce water bills and water waste. But what do you do about the leaks you can’t see?

Hidden leaks can be dangerous. Leaking pipes within walls can cause mold. Dripping faucets behind appliances can be a fire hazard. Leaking irrigation can cause significant lawn damage. And that’s just the tip of the iceberg.

In a national study of more than 300 homes, intelligent-water industry leader Phyn found that 17 percent of homes have some type of leak. Of those leaks, half were from a broken toilet flapper. This type of common leak wastes 800 to 1,100 gallons of water each day!

Uncovering hidden links is important for your budget, your safety and to protect your property investment. Here are some ways to easily detect hidden leaks so you don’t have to worry:

Proactive Inspections

Look where hidden leaks commonly occur before you see signs of a problem. Early detection could prevent costly damage. Even new homes need this approach, since human error during construction could lead to hidden leaks later.

Inspect Systems

First check your irrigation system by walking around the yard, looking for signs of leaks, like puddles of water or depressions in the ground near sprinkler heads or lines. Also, inspect around your water heater for moisture. Remember to watch the water meter, too. An unexpected spike in a water bill could indicate a problem.

Technology

New advancements help detect leaks using intelligent-water technology, such as the Phyn Plus smart water assistant + shutoff. Installed right after the meter on the main water line, this device analyzes your home’s water use by measuring tiny changes in pressure at 240 times per second. This allows the device to shut off the water automatically, so the owners can rest assured that they won’t come home to surprise water damage from a burst pipe.

Keep Age In Mind

Older homes have older pipes and systems that may be more prone to leaks, so it’s important to keep close attention on your home as it ages. That being said, new homes aren’t immune to water leaks. You may have heard stories of new homeowners hanging a picture on their wall, only to find a puddle on the floor the next day right below where the nail had punctured a pipe. Pipes and soldering can fail at any time, whether your home is brand new or 100 years old.

Use the Pros

When in doubt, hire a professional to get expert insight and workmanship. For example, the Uponor Pro Squad is a group of authorized, intelligent-water specialists, dedicated to installing and servicing the Phyn Plus. Pro Squad members have been trained and certified to provide an expert installation experience, ensuring the quality and workability of the Phyn Plus device.

It’s important to detect hidden water leaks in your home. Learn more about water leaks and smart home technology at www.phyn.com.

The Best Way to Clean Wood Floors Might Surprise You

(BPT) – Although most people envision their dream home with shiny wood floors, many consumers are unaware of the best way to care for them, according to a 2017 survey conducted by the National Wood Flooring Association.

“Not surprisingly, many homeowners are unsure of the best way to effectively and quickly clean hardwood floors. Some believe mopping with a bucket of water and a cleaning solution is best while others occasionally sweep or vacuum. Many cleaning methods can hurt rather than help a floor, for example, even a ‘damp’ string mop can leave excess water on a hardwood floor, and we know that water and wood don’t mix,” said Bona U.S. Director of Marketing Cate Vanegas.

The key findings in the online survey, conducted in October 2017 by Public Opinion Strategies, found that just 24 percent of consumers answered “sweeping” as the correct way to clean wood floors. This answer was closely followed by 19 percent who believe using a soap- or oil-based cleaner is best, and 12 percent who believe using water and vinegar is the best solution.

Just in time to open the doors and windows and welcome in spring, Bona has introduced its Premium Spray Mop for Hardwood Floors with a larger mop head for faster cleaning, and a full-size cleaning cartridge of cleaner. The new pressurized cartridge dispenses the perfect amount of solution designed to care for and sustain hardwood floors.

Lifestyle and design blogger Jennifer Rizzo (jenniferrizzo.com) recently refinished her wood floors, and notes the simplicity firsthand: “After all the dust bunnies are cleared away, I use a Bona spray mop to clean my floors. It’s odorless, non-toxic and doesn’t leave any residue. It also leaves my floors looking beautiful.”

With an estimated 25 million homes in the U.S. with wood floors, understanding how to clean them is essential to maintain and protect the investment. Try the following tips to keep your hardwood floors looking beautiful.

Regularly: Dust/Sweep

While using a broom can be effective, it also just pushes the dirt around, so using a microfiber mop or cloth is the best daily defense against scratches and surface damage.

Often: Dust and Mop

After a quick spin around the floor to grab dust, use a microfiber pad mop and residue-free, neutral cleaner. Look for third-party certified cleaners that will be healthier for your floors and your family.

As Needed

When scratches pop up or the finish looks dull, consider a recoat or refinish to keep floors durable and beautiful. Ask an outside contractor for a water-based finish and dust containment system to ensure the job is VOC and toxin free.

Things to Avoid

Water and vinegar, soap-based cleaners, wax or steam cleaners. Vinegar (remember, it’s an acid) and water will damage and dull the floor’s finish, while soap and wax leave residue. Steam cleaners put heat and excessive water on the floor, which can lead to cupping and long-term damage.

Want more cleaning tips? Visit Bona’s Wood Floors 101 tutorials.

Add Fire Safety to Your Family’s Routine

(BPT) – Think of all the items you replace regularly – your cellphone, lightbulbs and even your toothbrush. But when was the last time you replaced your smoke alarm batteries, or even the alarms themselves? It’s easy to overlook, but the time to think about fire safety is now – before an emergency strikes.

Many assume that because they have smoke alarms in their homes, they’re protected in the event of a fire. In reality, smoke alarms need to be installed, maintained and tested regularly to ensure they’re working properly. That effort includes knowing how old smoke alarms and their batteries are, as neither lasts forever. While smoke alarm lifespan and sensing technology have improved in recent years, the fact remains that all smoke alarms – even hardwired and sealed battery models – expire after 10 years.

“According to the National Fire Protection Association (www.nfpa.org), three out of five home fire deaths occur in homes without smoke alarms or from missing or dead batteries,” said Tarsila Wey, director of marketing for First Alert. “Just like other household duties, it’s important to make sure alarm maintenance and replacement and escape planning and practice become a regular, ongoing part of your family’s routine.”

First Alert offers the following advice to ensure your family is best protected from fire.

Count the Alarms

In most cases, one alarm isn’t enough. In fact, the U.S. Fire Administration (USFA), recommends smoke alarms be installed inside every bedroom, outside each sleeping area and on every level of the home, including the basement, as well as one carbon monoxide (CO) alarm on each level and in each sleeping area. A quick and easy way to remember is one on every level and in every bedroom.

Install Them Properly

Does your alarm ever sound when cooking? Chances are, you’ve installed the alarm too close to your appliances. An easy way to reduce false alarms and maximize coverage is to take a moment to review manufacturer guidelines and install alarms in the proper locations. Smoke alarms should generally be installed at least 10 feet from a cooking appliance to minimize false alarms. It’s also recommended to install smoke alarms high on walls or ceilings. Remember, smoke rises, so high placement provides a direct path for detection. Lastly, don’t install smoke alarms near windows, doors or ducts, where drafts might interfere with their operation.

Get Complete Coverage

In general, there are two types of fires – quick flaming and smoldering. Today’s smoke alarms are effective at detecting both but use unique technologies that make them better suited for particular locations within the home. The NFPA and other safety advocates recommend installing dual-sensor alarms like the First Alert 10-Year Battery Dual Sensor Alarm because they provide the best potential for early detection of all types of common household fires while helping to reduce the number of non-emergency alarms – all while providing a decade of protection without the need for costly and ongoing battery replacement.

Install and Maintain

Having smoke alarms is only one part of the story. In order to function properly, all alarms must be regularly inspected and maintained. Make sure to test the alarm, by simply holding down the test button, at least once a month. Also, when testing, it’s important to clean the alarm to remove any dust or debris. This advice holds true even for newer alarms, which feature 10-year batteries, as well as hardwired alarms that feature a battery back-up. Check or replace the battery when you change the time on your clocks each spring and fall.

Plan Your Escape

Maintaining alarms is essential to every household, but what about your escape route? Unfortunately, recent research indicates that just 25 percent of families have an escape plan that they practice regularly. To develop an effective plan, walk through your home and inspect all possible exits and escape routes. Identify two ways out of each room, including windows and doors. Practice your home fire escape plan at least twice a year and make sure to plan a meeting spot.

For more fire safety tips, visit www.firstalert.com.