Indoor Fire Hazards and Candles

Candles of all shapes and sizes add ambiance and can quickly make a dreary winter day cozier. As a popular gift, there’s a good chance you have at least two different kinds of candles in your home.

person lighting a candle

Candle fires pose a significant risk to homeowners, as they are often placed next to or on household objects which can quickly become combustible. According to the National Fire Protection Agency (NFPA), 60 percent of home candle fires involve combustible materials and 11 percent of all candle fires occur in December and January. Accredited claims adjusters understand the patterns and causes of all fires, including those started by candles.

The NFPA’s findings underscore the importance of assessing the area surrounding candles both as a homeowner to prevent a fire and in the aftermath of a fire claim. If you are the victim of a candle-related fire, adjusters will investigate the proximity of combustible materials such as curtains, decorations, or furniture to where the candle is located. Determining how close these materials were to the candle can provide valuable insights into the cause and extent of the fire.

As December and January continually rank as the months with an increase in candle fires, adjusters will also look at factors specific to the winter holidays. While we’ve come a long way from celebrating the winter solstice with candles on a tree, many people still celebrate their chosen holiday with candles around the home. Adjusters will look at the entire picture when reviewing a fire claim including decorations, overall candle usage, and other elements that may have contributed to the fire.

Reviewing the entire picture begins with a meticulous examination of the fire scene. Beyond identifying the point of origin, adjusters will pay close attention to the surroundings. Was the candle placed on a stable surface? Were there flammable materials nearby? Adjusters will thoroughly document and analyze every detail to determine liability and ensure accurate claims assessments.

As part of the claims process, insurance adjusters play a vital role in educating policyholders on fire prevention measures. This includes advising homeowners on safe candle practices, such as keeping candles at a safe distance from combustible materials, using stable candle holders, and never leaving candles unattended. Providing preventative guidance can help mitigate future risks and promote safety awareness. Additionally, policyholders should also have an easily accessible fire blanket or fire extinguisher on each level of their home or business to mitigate the extent of any damage.

For complex candle fire claims, adjusters must collaborate with fire investigators. Insurance adjusters will work closely with these experts to gain insights into the fire’s origin, causation, and potential contributing factors. This collaborative approach enhances the accuracy of claims assessments and ensures a comprehensive understanding of the incident.

When assessing claims related to candle fires, insurance adjusters will inquire about the preventive measures taken by the policyholder. Documenting instances where policyholders adhered to safety guidelines, such as using flameless candles or placing candles away from flammable materials, can make a difference in the claims process.

Given the unique challenges posed by candle fire claims, accredited insurance adjusters undergo continuous training on fire investigation techniques, fire dynamics, and emerging trends in candle-related incidents. Staying up to date on industry developments equips adjusters with the knowledge needed to effectively navigate complex claims.

As candle fires continue to pose a threat to homeowners, insurance adjusters play a crucial role in ensuring accurate, fair, and timely claims assessments. By understanding the patterns highlighted by the NFPA, conducting detailed scene examinations, collaborating with experts, and promoting policyholder education, accredited claims adjusters contribute to the prevention of future incidents.

Accredited claims adjusters are instrumental in helping policyholders navigate the complex process of assessing fire damage regardless of origin and ultimately recovering from the loss. Their expertise in evaluating the potential cause, structural damage, personal property loss, and secondary damages such as smoke and water damage is crucial in ensuring that policyholders receive fair compensation. By carefully documenting the damage, collaborating with experts, and understanding policy terms, accredited claims adjusters play a vital role in helping individuals and businesses recover from the devastating effects of a fire. With their assistance, policyholders can take the first step toward rebuilding their lives and properties after a fire disaster.

For more information on how to earn your 6-20 ACA designation and join this growing field, we invite you to call our Clermont, Florida office at 1-800-309-2459 or read more about the accredited claims adjuster certification process on our website. Beyond our ACA courses, we have partnerships that allow our students to continue learning the proper ways to handle claims and continue to grow your career.

In Florida, once you earn your 6-20 accredited claims adjuster designation, you can apply to the state for your all-lines adjuster license. This will enable you to work on home insurance claims, auto and RV insurance claims and property insurance claims. You would have the flexibility to work as a staff claims adjuster or an independent insurance adjuster.

Even if you move out of the state of Florida or your practice takes you out of state, Florida has a reciprocity agreement with other states within the U.S. Individuals who obtain their Florida license are eligible to work in 34 of the 37 states across the U.S. that require an adjuster license.

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