Commercial Insurance.....Personal Insurance

High-rise residents have unique fire precaution concerns

What if the building fire alarm sounds?

Before opening your door, use the back of your hand to touch the top of the door and door handle—if they feel hot or warm, don’t open the door, because fire could be right behind the door. If the door is cool, open it slowly; if the hall is clear of smoke, exit and close the door behind you and leave the building by stairwell, not elevator

What if my exit is blocked by smoke or fire?

Remain calm. Keep your door closed but unlocked. Seal the door jamb with duct tape and place a wet towel across the bottom to keep smoke out. Call 911, tell them your location and your situation—they will give you further instructions.

What if smoke already has entered my dwelling?

Remain calm and keep low, below the smoke. Call 911 and tell them you are trapped by smoke. If you have a balcony, stay low and go outside, closing the balcony door behind you. If you don’t have a balcony or can’t get to it, go to a window and open it fully. Hang a towel or blanket out the window so the fire department will know you are trapped. Stay low and wait for rescue.

What are my insurance considerations?

Tenants of high-rise buildings and owners of high-rise condominium or cooperative units have the same risk of loss to personal property located in these residences.
A tenant may purchase a tenants policy, and condominium and cooperative owners may purchase a unit-owners policy. While personal property is covered the same by both types of policies, the unit owners policy will provide additional protection for building property that the policyholder is responsible for. There are many different optional enhancements that may be available with these policies, such as replacement cost, added assessment coverage, personal property schedules and broader perils including the addition of earthquake protection. Contact our insurance agency for details.

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Keep your RV parts in tip-top shape. Dirty air filters, old spark plugs and unchanged oil can all contribute to poor gas mileage.

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