Headquarters of the State Fire Service reported 164 fires 25 single and multi-family buildings. Silesian region is just after the war. Mazowieckie most exposed to the fire region. In 2015. Silesian firemen intervened because of this until 3187 times or by more than 300 more than the year before. Nationally, fire houses and flats were admittedly only approx. 14% of all events, but it is they may pose the greatest threat to the health and wealth within them people. For comparison, in 2014. Firefighters fought the fire in the houses and apartments of 1 943, a year before by 1 724 times less. The statistics show that the most common cause of fires are malfunctioning furnaces, radiators and human carelessness (eg. Keeping niezgaszonego stub of a cigarette or incorporated into the electricity grid iron), or situations that can be prevented.
– There are often same caution is not enough, and despite the safety, property owners fail to prevent fire. Insurance Our experience shows that many events arises from the failure of the installation or arson, which simply can not be influenced. Therefore, choosing insurance it is important to provide protection against the effects of sudden, unforeseen and beyond the control of the property owner mishap, which could cause serious financial loss – says Andrzej Paduszyński, Director of the Department of Individual Insurance Compensa TU SA Vienna Insurance Group.
It is protected by the insurance
Home insurance or home primarily protects the same property, so the construction of the building and its permanent elements such as doors or windows. In addition, at the request of the owner, the protection may be covered by the so-called. household chattels, or such .: furniture, appliances electronics / appliances, decorative items, personal items, documents – everything that is his own, and is located in the apartment. Importantly, the insurance may also be included objects belonging to the property, such as. Garage, basement, farm buildings, and even solar panels or a satellite dish. To ensure that adequate financial support after a possible injury, it should be ensured that the property was insured for the correct fee.
– It often happens that in the framework of the savings owners decide to understating the sum insured, which is only illusory saving. As a result, the premium for the policy can be eg. A few dozen gold lower, but this causes underinsurance. This is a situation in which the maximum amount of compensation paid by the insurer is not enough to cover all caused by fire and other random events damage – adds Andrzej Paduszyński.
For what it is worth paying attention to when buying insurance?
First of all, you should know, when the insurer can refuse to pay compensation. And so, when the fire is caused by the owner intentionally or as a result of the so-called. gross negligence. Equally important, some insurance companies will not cover the protection of home construction firearms. It is important also that when you buy the policy seller give all the information on the applicable safeguards. If you are in an apartment or house are fitted with smoke detectors or carbon monoxide or fire-resistant doors, then the price of insurance may be reduced. Just remember that all such security must be when we fire the efficient and integrated. If after the fire appraiser determines that any of them were inactive, it can also provide a basis for reducing the compensation.
Source: Compensa TU SA Vienna Insurance Group
NUMBER OF FIRES IN BUILDINGS SINGLE AND MULTI-FAMILY In 2015 YEAR
Region 2013 2014 2015
Lower Silesia 2 729 2 531 2 847
Kuyavian-Pomeranian 1 178 1 194 1 303
Lublin 981 966 995
Lubuskie 1 031 959 1 136
Lodz 1 563 1 494 1 476
Lesser 1 517 1 503 1 728
Mazowieckie 3 054 3 257 3 353
Opole 577 568 656
Podkarpackie 852 844 993
Podlaskie 774 812 868
Pomorskie 1 631 1 681 1 719
Silesian 3 001 2 851 3 182
Swietokrzyskie 481 486 534
Warmia-Mazury 1 521 1 551 1 550
Greater 1 603 1 650 1 834
Western 947 874 990
Statistical data SFS [source: www.kgpsp.gov.pl, 07/03/2016]
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