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How to Protect your Property or Business from Fire & Lightning

Direct property loss due to fires is estimated at $8.6 billion annually. Fortunately, steps can be taken to prevent or mitigate the effects of such a terrible disaster to your home or business operations. By identifying, preparing and practicing the following recommended techniques, a home or place of business is properly safeguarded from the hazardous threat of a disastrous fire.

III. Maintain Landscape
• Remove highly flammable vegetation, such as leaves or dead or dying trees from the area surrounding your building.
• Maintain a reduced amount of vegetation and limit plantings to carefully spaced indigenous species that are low growing.
• Ideally, space tree plantings about 10 feet apart.
• For trees taller than 18 feet, prune lower branches within 6 feet of the ground.

II. Inspect Electrical Wiring
• Have electricians frequently inspect the electrical wirings of your home or business.
• Examine extension cords and discard if they appear to be frayed or exposed. Be cautious of any loose plugs.
• Ensure wiring does not run over nails, under carpet, or across well-traveled spaces. All outlets should have covered plates and be free from exposed wiring.
• Make certain insulation does not touch bare electrical wiring.
• Do not overload outlets or extension cords.

IV. Beware of Flammable Items
• Never use gasoline, naphtha, benzene, or related flammable liquids indoors.
• Only store flammable liquids in acceptable containers and in open and well-ventilated storage areas.
• Safely discard all cloths soaked with these liquids in a metal container outdoors and away from buildings.
• Trash is a major fire hazard. Do not allow trash to build up on the premises or this will increase the risk of a fire spreading quickly.

I. Install Smoke Detectors
• Test and clean smoke detectors monthly, and replace the batteries at least once a year.
• Remember that properly installed smoke alarms decrease a person's chance of dying in a fire by over 50%!

VI. Protect Business Equipment and Records
• Regularly back-up critical electronic files & documents (billing and payroll records, plans, legal records, and customer lists). Store backup copies of these items in a secure off-site location.
• For both insurance and tax purposes, you should maintain written and photographic inventories of all important materials and equipment. The inventory should be stored in a safety deposit box or other secure location.

V. Heating Sources
• Have heating units inspected and cleaned annually by a certified specialist.
• Place heaters far away from flammable materials. Most organizations suggest at least three feet from furniture, curtains, bedding, paper, or anything else that is flammable. Make sure the floor and nearby walls are properly insulated as well.
• Use only designated fuel types for each particular unit; follow the manufacturer's specific instructions.

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