The DomiDocs Guide to Home Fire Preparedness

“To expect the unexpected shows a thoroughly modern intellect.” – Oscar Wilde.

 

Homeowners can safeguard their families from fires by being educated and prepared. While accidents can happen, many home fires are preventable. And many are caused by human error or negligence. Learn how to protect your family!

Are You Ready for This?

The National Fire Protection Agency (NFPA) states that approximately 500,000 structure fires occur annually. In other words, somewhere across the country, a home goes up in flames every 88 seconds. The NFP identifies the top 5 causes of home fires in the US as:

  • Cooking
  • Heating equipment
  • Electrical wiring/lighting equipment
  • Intentional fire setting
  • Smoking materials

 

Home Fire Stats

Recent stats from the NFPA show that home fires in the US caused $11 billion in direct property damage in one year alone. A fatal house fire occurred every 3 hours, while an injury due to a home fire happened every 52 minutes

Almost 60% of those home fire deaths 

happened in properties with 

no smoke alarms or ones that didn’t work properly.

Read that again. To further understand your risk, know that December is the peak month for home fires, with Christmas Eve and Day being the most common times for cooking fires.

Home Fire Categories Defined

The National Fire Incident Reporting System (NFIRS) divides home fires into 2 classes of severity:

  • Confined fires are small fires that stay within equipment or objects, such as a kitchen pot or fireplace; major content damage and serious injury are infrequent.
  • Nonconfined fires are larger fires that extend beyond equipment or objects; it’s likely serious injuries or property loss will occur.

 

How DomiDocs Can Help You Navigate Through a Disaster

The key to weathering any natural disaster is preparation—knowledge and organization are your best tools. As a homeowner, taking proactive steps to protect your family and property before disaster strikes is essential. The secure, award-winning DomiDocs Homeowner Enablement Platform® helps you stay prepared by allowing you to:

  • Create a detailed home inventory – Upload receipts, photos, and videos documenting your home’s condition and contents to ensure an accurate record for insurance purposes.
  • Store and manage essential insurance documents – Use the Insurance Bundle feature to securely organize policies, including company details, coverage, cost, and policy start and end dates. A calendar timeline provides quick reference, and with one click, you can share documents with your insurance agent when filing a claim.
  • Prepare for and recover quickly from any disasters – Ensure quick and easy access to critical homeownership and insurance documents before and after a natural disaster. Use the Disaster Bundle to safely store everything from insurance policies and mortgage information to your home inventory list, photos & videos and emergency vendors—allowing you to recover faster when you need it most.
  • Stay ready for emergencies – Keep all your most important documents—such as IDs, medical records, financial statements, and emergency contacts—securely stored and instantly accessible. The Digital Go Bundle ensures you have everything you need in one place, whether you’re evacuating or managing post-disaster recovery.
  • Follow expert homeowner guidance – Access the comprehensive DomiDocs New Homeowner Guide, which offers best practices to help prevent insurance claims and keep your home in top condition.

 

By leveraging these tools, you’ll have the critical information you need at your fingertips, making it easier to recover and rebuild after a disaster.

 

The Basics of Home Fire Preparedness

Ready.gov, the American Red Cross, US Fire Administration, and the Centers for Disease Control and Prevention (CDC) recommend the following:

Before A Home Fire, Take The Time To:
Properly equip your home with smoke alarms
Do you know how many smoke alarms your home should have? In new homes, the National Fire Alarm Code requires the installation of interconnected, hard-wired smoke alarms (with battery back-ups) on each level of a home; inside each bedroom; and outside each sleeping area. Existing homes need smoke alarms on every level and outside all sleeping areas, at a minimum.
Properly maintain your smoke alarms
Once a month, use the test button on all smoke alarms throughout your home to ensure they’re in working order. Once a year, replace the batteries if your home only has battery-powered smoke alarms. Once every 10 years, the NFPA recommends replacing all of your smoke alarms.
Properly equip your home with fire extinguishers

A-B-C-rated fire extinguishers are for home use. Some are designed for single use and need to be replaced once they have been activated. 

Ensure you have a non-expired fire extinguisher on each floor of your home, as well as in the kitchen and garage.

If you have a BBQ, keep it at least 10 feet away from railings, siding, and overhanging branches; ensure a fire extinguisher is nearby.

If you’re unsure how to use a fire extinguisher, many fire departments offer free training; or follow the manufacturer’s instructions. 

Generally, the operation of a fire extinguisher includes ‘PASS’:

Pull the pin

Aim at the base of the fire

Squeeze the lever

Sweep from side to side

Note: the NRPS recommends that only adults should operate fire extinguishers.

The American Red Cross notes that before using a fire extinguisher to fight a fire, you should be sure that:

  • The fire department has been notified
  • Everyone has left or is leaving the home
  • The fire is small in size and is not spreading
  • There isn’t a lot of smoke present that could incapacitate you
  • Your back is facing an exit that you can access quickly

Properly maintain your fire extinguishers

Check the expiration dates; if a fire extinguisher isn’t charged, it won’t work properly, if at all.
Properly equip your home with carbon monoxide alarms

Besides the dangers of visible fire, carbon monoxide is a silent killer. It’s created in a home when fuels burn incompletely and the remaining carbon monoxide spreads throughout the home. 

Never, ever, use a propane, gas, natural gas, or charcoal-burning device within your home, basement, garage, or partially enclosed area. This includes using a stove (especially a gas stove) to heat your home.

If a carbon monoxide alarm sounds, open the doors/windows and evacuate outside to fresh air immediately.

Ensure your house number is clearly visible from the street, and well-lit during the night
If you’ve called for fire department assistance, they need to be able to identify your home quickly and easily.
Understand the risks of a home fire
  • Have your wood-burning fireplace inspected and cleaned annually. Always use a fireplace screen and ensure a fire is fully extinguished before bedtime.
  • Keep a space heater at least 3 feet away from combustible objects. Only purchase heaters with nationally recognized approval.
  • Remove dryer lint every time you do a load of laundry. Regularly inspect the external vent to ensure it’s free of debris. 
  • If you’re cooking in the kitchen, stay in the kitchen.
  • Keep flammable items like kitchen towels and aprons away from stoves. 
  • Don’t wear loose, flowy clothing when cooking.
  • If a grease fire starts in a pot or pan, cover it with a lid and turn off the heat. Baking soda can also be used to quell a fire. Do NOT use water as the fire may spread. 
  • Don’t store combustibles near the water heater as they’re a fire hazard.
  • Limit the use of candles in a home and teach candle safety:
  • Never leave burning candles unattended.
  • Keep burning candles away from kids and pets; keep them at least 12 inches away from flammable materials.
  • Extinguish candles properly to snuff out the flame.
  • Use flameless candles instead to avoid fire risk.

 

Smoking materials cause the most home fire deaths in the US. Take precautions:

  • Only smoke outside
  • Use sturdy ashtrays
  • Never smoke in bed, or while taking drowsy medication, or while intoxicated
  • Store lighters and matches away from kids, preferably in a locked space

 

Ensure that electrical cords are free from fraying, and aren’t tucked under rugs for aesthetics. Avoid overloading outlets.

Sleep with your bedroom door closed so it acts as a barrier to slow down a fire.

Holiday home fire hazards include: worn holiday lights; a dry Christmas tree; placing a tree too close to a heat source; and overloading outlets and extension cords.

Know that fire is fast, hot, dark, and deadly.

Consider equipping your home with an automatic sprinkler system

Consider equipping your home with an automatic sprinkler system

Develop an evacuation plan and practice a regular fire safety drill. Understand that:

You could have under 2 minutes to escape a home fire once a smoke alarm sounds

Every member of your family needs to know what your homeowner’s evacuation plan is. 

Make and practice your fire escape plan:

  • Draw a map of your home, including all doors and windows.
  • Find 2 ways out of every room.
  • Practice feeling a way out of your home with your eyes closed and by crawling (in the case of heavy smoke).
  • Make sure windows and doors are never blocked and open freely.
  • Where will your family meet? Establish the specific spot where you will gather. This ensures all family members have been accounted for.
  • Practice your home fire drill with everyone in the home.
  • Get outside to your meeting place.
  • If you live in a condo or apartment:
    • Leave your apartment and close the door.
    • Pull the fire alarm to alert others.
    • Use the stairs to exit the building; do NOT use the elevator.
    • Go to your designated meeting place.
    • Call the fire department.

 

Teach your kids what a smoke alarm sounds like. If you have a multi-level home with bedrooms on the upper floors, purchase emergency rope ladders to keep in each closet.

In case of a nonconfined fire, have a to-go bag ready with all the supplies you’ll need, including pet items.

Teach the basics of Stop, Drop, and Roll

If by chance a family member’s clothes catch on fire, teach them how and practice: Stop, Drop, and Roll while covering your face with your hands. Smother any remaining flames with a towel or blanket. Use cool water to treat burns for 3 to 5 minutes, then cover with a clean, dry cloth. Seek medical attention by calling 911 or your fire department.

Assemble disaster supplies for your family members and your pets.

The American Red Cross recommends gathering 2 emergency supply kits:

  1. A Go-Kit: with a 3-day supply of items you can carry with you, including chargers for your devices (cell phone, wheelchair, CPAP, etc.) and backup batteries; as well as non-perishable food, water, and medications. Cash is also important to have on hand as ATMs may not be working/accessible. 
  2. A Stay-at-Home Kit: with a 2-week supply of the above items.

 

NOAA recommends adding the following to round out your emergency disaster supply kits, where applicable:

  • masks, disinfecting wipes, and hand sanitizer
  • non-prescription medicines such as antacids, anti-diarrhea, and pain relievers
  • contact lens solution/prescription eyeglasses
  • baby bottles, formula, wipes, diapers, and diaper rash cream
  • feminine hygiene supplies
  • sleeping bags/blankets
  • a change of clothing for each family member, including sensible footwear
  • fire extinguisher
  • matches in a fireproof container
  • mess kit with plates, utensils, cups, and paper towels
  • activities for kids like puzzles, games, or books

Review/update your homeowner insurance policy.

It’s estimated that 40% of Americans can’t find an important household document when needed, so the first step is to upload your vital household documents to our user-friendly digital platform, so there’s easy access 24/7/365. 

Secondly, reassess your homeowner policy to ensure you have the best coverage to fit your needs. Compare the cost and coverage you have in place, to what else is available from your current insurer and other companies. If there have been any major additions to your home and/or contents in the last year, it’s time to review your homeowner insurance policy to ensure it’ll cover your new additions.

Have supplies on hand to make emergency repairs.

Such supplies can include plastic sheeting, tarps, sandbags, and/or plywood, plus the necessary tools to apply these to your home like a staple gun and/or duct tape.

Take the time to emergency life-saving skills.

The American Red Cross recommends that adults and kids around nine learn first aid and CPR skills.

When a Home Fire is Happening:
If possible, cover your face with a wet cloth to help filter out the amount of smoke you may inhale.
Drop down and crawl along the floor, underneath any heavy smoke towards your exit.
Before opening a door, touch the doorknob and door. If it’s hot, or if you see smoke around the door, do not open the door – use your second escape option.
If someone or a pet is trapped inside your home, alert firefighters upon their arrival at the scene.
If you can’t get out of your home, close the door, and cover vents and cracks around the doors with clothing, towels, or tape to help keep the smoke out. Call 911 or your fire department. State where you are in the home and try to signal at a window with your cell phone flashlight or by hanging a light-colored cloth. Cover your mouth with your shirt for protection and use a whistle instead of shouting. Bang on a pipe or wall, or text for help using your cell phone if service is available.
Shut off your electricity, gas, and water utilities. If you smell gas, get out quickly and move as far away as possible, while paying attention to any obstructions or possible falling debris, including fallen power lines, trees, or streetlights. Don’t return home until officials say it’s safe to do so.
After a Home Fire:
Contact The Red Cross or other disaster relief service if you need assistance with food, medicine, or temporary housing.
Do not re-enter your home until the fire department states it is safe.
Do not reconnect your home’s utilities yourself. The fire department will make sure that your utilities are safe to use or are disconnected before they leave your home.
Access your home inventory list stored with DomiDocs. Note any damaged items or property. Don’t discard any damaged items until you’ve inventoried them.
Upload any receipts for money you’ve spent related to the fire loss to DomiDocs. They’ll be available at the touch of a button to send to your insurance adjuster, or for losses claimed on your income tax.

Navigating Insurance Claims: What Every Homeowner Should Know

When you’re facing the aftermath of a natural disaster, working with your insurance company is an inevitable part of the recovery process. DomiDocs® CEO and Founder, William McKenna advises homeowners to carefully review their insurance company’s initial settlement offer, as it may not fully cover all damages. Many experts recommend assessing the offer to ensure it aligns with your policy coverage.

What should you do? Access your personal profile on the DomiDocs® home management platform to easily submit your documented receipts, photos, and videos to your insurance adjuster with just one click. Before accepting a settlement, take the time to consider all potential losses, including missed wages, medical expenses (both current and future), vehicle repairs, and any other damages. Being thorough can help ensure you receive the full coverage you’re entitled to under your policy.

DomiDocs has your back! Whether it’s a hurricane, tornado, flood, or fire, the DomiDocs Resource Page: How To File An Insurance Claim is here to guide you through the claims and recovery process.

Take Control of Your Homeownership Journey with DomiDocs®

Managing your home shouldn’t be stressful. DomiDocs® empowers homeowners with innovative technology, expert guidance, and unparalleled organization—all within a secure, cloud-based platform. From protecting your property and finances to streamlining essential tasks, our tools help you save time, reduce expenses, mitigate costly risks, and maximize your home’s value.

Explore the DomiDocs suite of solutions:

  • Homeowner Enablement Platform® – A centralized, digital hub for organizing documents, tracking home value, and managing property details effortlessly.
  • HomeLock™ – Protects your home from fraud and title theft with 24/7 monitoring and instant alerts.
  • TrueValueIndex® – Provides real-time insights into your home’s value to help you make informed financial decisions.
  • propRtax® – Identifies potential property tax savings and ensures you’re not overpaying.
  • Documenting for Disaster® – Securely stores critical homeownership documents, ensuring quick access before and after a disaster.

Join the home management revolution today and experience the confidence that comes with having everything you need in one place.

 

Author – Connie Motz