Tonight my wife “Michelle” told me that we almost had a house fire. A week ago I noticed that the fan blades for the stand up rotating fan in our bedroom were moving slower than normal. I was concerned the motor could malfunction and cause a fire so I unplugged the fan. I left the fan in the corner but neglected to mention it to Michelle.
Today was a warm day in California and since we live in a two story house the bedrooms upstairs get hot as the heat rises, Michelle plugged in the fan to cool my daughters bed room and went downstairs. About 30 minutes later Michelle noticed a burning smell and went upstairs to investigate, she located the soure and you guessed it, it was the fan, the blades had stopped turning the motor was still running and smoke was bellowing form the back of the fan. Michelle unplugged the fan lucky for us after a minute or so the smoke stopped.
According to the United States Fire Administration, residential appliance fires annually result in an estimated 9,600 fires and $211 million in damage.
Below is a link to the US Fire Administration website. I hope you will take time today to prepare for the unexpected and protect your family from harm and financal loss.
The story linked below really drives home the point that unexpected things happen and you really need to be prepared to maximize your insurance settlement. The article quotes “ Amy Bach with United Policyholders. “Unless you can negotiate your way around, you are not going to get a full and fair settlement.”
I hear this type of story from AssetWatch members a lot. A close friend of mine had a major house fire and had to spend thousands of dollars out of pocket to get her house rebuilt and additional cash out of pocket buying items she lost but could not prove she owned or forgot to claim. I founded www.AssetWatch.com to protect my family from financial loss and emotional stress. I recommend spending a few hours documenting the contents of your home, backing up important documents and making sure your policy is adequate to cover your loss. The better your documentation the easier it will be to negotiate a fair settlement.
For most of us, the thought of performing a home inventory ranks right above going to the dentist
for a root canal. However, the few hours you spend performing and then periodically updating your
home inventory could save you $10,000, $20,000, $50,000 or more. Not to mention, how much
better you feel knowing you have helped protect your family and assets from loss.
Home Inventory Tips
- Start with an easy room for example the family room or dining room.
- Take pictures of all 4 walls to document the layout and overall condition of the room.
- Take pictures of receipts and store them with the pictures and descriptions of the related items.
- Take multiple pictures from different angels of more expensive items.
- Make sure to capture the make and model of the item where applicable.
- For lower priced items stored in drawers or closets – open drawer or closet and take a few pictures.
- Complete one room at uploading pictures to your AssetWatch vault as you go.
- While the pictures are uploading take pictures of the next room
- Your digital home comes pre-populated with many common household items, compare the items
in your digital rooms to your check list and add or delete necessary items.
- Once your pictures are uploaded just drag drop them into your items and fill in any information you
want to include and you are done!
Click the link below for your Free Home Inventory Checklist
Home Inventory Checklist
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At AssetWatch we typically discuss topics such as how to protect your assets, documents or important information. However, now that the summer is finally here and the temperature is breaking the 100 degree mark in many places around the country it is time to remind ourselves of the importance of recognizing the signs of heat related illness.
Although certain people (such as people with heart conditions, people who are older or people who are obese) are more likely to be over come by heat exhaustion, given the right conditions it can and does happen to anyone. There is a misconception that only people who are working or playing outside or exercising need to worry about heat exhaustion or stroke. That’s just not true. You can become a victim of a heat related illness by merely sitting on your couch.
It is critical that you be able to recognize the signs of heat related illness.
You could have heat exhaustion if you are feeling dizzy or faint, experience excessive sweating or muscle cramps or if you experience a rapid heartbeat, headaches or nausea. If you feel any of these systems you should seek a cooler environment and hydrate yourself by drinking water or juice. Definitely seek medical attention if the symptoms don’t subside.
Heat exhaustion can lead to heat stroke and heat stroke can lead to death. Symptoms of heat stroke include a rapid heartbeat, warm, dry skin (because the body is no longer able to sweat), a fever of greater than 104 degrees, severe headaches and loss of consciousness. If you are feeling these symptoms seek medical attention immediately as heat stroke is an emergency condition.
Summer is a great time of year! Please enjoy it safely by recognizing the signs of heat related illness.
In the early hours of Tuesday June 21, 2011 students woke to screams of fire. Luckily they were all able to get out alive. The fire burned for three hours and required more than one million gallons of water to finally extinguish it. According to the Bay Area News Groups Morning report (see link below) the fraternity house suffered more than $1.7 million dollars worth of damage and it was declared a total loss.
While reading the article, it became clear that this fire shared the same characteristics as most other fires: it was quick, it was unexpected, and there was no time to remove important personal documents/items. It seems like all fire victims say the same thing: “I lost everything” and “I don’t know what I am going to do.” Luckily, with the help of friends, churches, local charities or the Red Cross most people are able to find a place to live and they have insurance which helps get their lives back on track.
I founded AssetWatch to help people protect their important information and assets. We have designed a system that within a couple of hours you can perform a complete home inventory and then upload and safeguard your important information. AssetWatch members consistently report a sense of relief, satisfaction and piece of mind once their inventory and document storage is safe and secure with AssetWatch. You too will have the piece of mind knowing that you won’t be a victim if fire or robbery should strike your home. Try AssetWatch today for free – no credit card is required.
For more information on the fraternity fire please see the link below.