American Property Casualty Insurance Association
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Brooke Kelley-Hunt


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October 6, 2014

PCI Urges Policyholders to Check for Discounts During Fire Prevention Week

CHICAGO – In recognition of Fire Prevention Week, October 5-11, the Property Casualty Insurers Association of America (PCI) is encouraging homeowners and renters to take a few minutes to test smoke alarms and review their insurance policies.

“In addition to taking the necessary precautions to get your home fire ready, it’s also important that you know what’s covered if your home is affected by any type of fire,” said Chris Hackett, PCI’s director of personal lines. “Generally fire damage is covered under standard homeowner insurance policies, and many companies offer great discounts to homeowners who have a central monitoring service for fire and burglary, and a sprinkler system installed in their home.”

Fire Prevention Week provides an excellent opportunity to undertake preparedness activities and to talk with your insurer to make sure you have the right amount of coverage, are getting the appropriate discounts, and understand how your deductible works in case the unthinkable happens to your home.

“If your home is destroyed in a fire, insurers will be there to help you in the recovery process. In order to prepare for the uncertainty of the future, there are certain steps you can take to prepare and ensure that you are fire ready,” said Hackett.

PCI Fire Safety Checklist:

1.) Make sure your smoke detectors are working and change the batteries on the same date every year. Make sure you test your smoke alarm at least once a month

2.) Consider purchasing a central monitoring service for fire and burglary, which may also qualify you for discount on your homeowners insurance.

3.) Clear debris from around your house and empty gutters around your home.

4.) Don’t leave your stove unattended

5.) Smokers, remember to extinguish cigarettes

6.) Properly maintain your clothes dryer, because extremely flammable lint can build in a compacted ventilation system.

Try and put your skills to the test, how well do you know your insurance policy when it comes to fire coverage. Take PCI’s Fire Prevention Week Online Quiz. Don’t forget to follow PCI on twitter @PCIAA use #FPW2014

Additional Resources:

Insurance Check List Before and After a Fire

Wildfire Home Inventory Video

PCI’s Quick Steps for Disaster Preparedness and Recovery Wildfires Interactive Resource Guide

After the Wildfire-Home Insurance Recovery Guide to help you with the claims process

NFPA's Fire Prevention Week website and Online Fire Prevention Smoke Alarm Quiz

Insurance Institute for Business and Home Safety (IBHS) Guide to Creating a Fire Adapted Home and Wildfire Home and Property Checklist

PCI promotes and protects the viability of a competitive private insurance market for the benefit of consumers and insurers. PCI is composed of more than 1,000 member companies, representing the broadest cross section of insurers of any national trade association. PCI members write more than $210 billion in annual premium, 39 percent of the nation's property casualty insurance. Member companies write 47 percent of the U.S. automobile insurance market, 33 percent of the homeowners market, 36 percent of the commercial property and liability market, and 39 percent of the private workers compensation market.