Courtesy of iii.org
Every year, millions of Americans certainly enjoy outdoor barbecues, but accidents do happen. According to U.S. Pat. Fire Administration causes approximately 5,700 barbecue fires on residential properties each year, causing an average of $ 37 million in injuries, 100 injuries and 10 deaths. The majority of barbecue fires are caused by faulty gas grills. In addition, thousands of people visit emergency rooms every year because they have burned themselves while grilling.
In the rare cases that a barbecue fire spreads to your property, your homeowners insurance would provide financial protection because fire is a covered hazard. A homeowner's policy includes the following:
- Damage to the house itself.
- Damage to personal belongings such as grass furniture.
- Damage to insured structures on your property, such as a shed or gazebo.
- Injuries to a guest, under the liability part of the insurance.
Keep in mind that you must pay your deductible before your insurance starts, so if the damage is minimal and your deductible is high, it may not make sense to file an insurance claim.
However, the best way to enjoy a summer of outdoor barbecues is to take steps to prevent accidents, including maintaining your barbecue and using it safely.
Grill maintenance and storage
Gas grills are generally safe if they are properly maintained and checked for leaks. In some cases, grills are unsafe due to improper construction or construction. (You can search the Consumer Product Safety Commission's website to see if it has been recalled on your grill.) When setting up at the beginning of each grill season, the following tips can help ensure everyone's safety:
- Check grill hoses for cracks, holes and brittleness . Also look for blockages, especially in the Venturi tube that goes to the burners. Clean blockages ̵
- Run a soap solution (some liquid soap, some water) along hoses and at connections, then open the valve on your tank and check that gas does not escape, as indicated by bubbles at the leak points.
- Adjust the hoses if necessary away from hot areas or where grease can drip on them.
- Store propane tanks outside, away from your house. Always check that the valves are properly closed.
Use common sense and follow these guidelines:
- Use the grill on a flat surface, away from your house, garage and landscaping. . Do not move the grill when it is lit.
- Keep children and pets away from the grill.
- Protect yourself – or the person grilling – with a heavy apron and oven mitts that reach high up on the forearm.
- For charcoal grills, use only lighter fluid intended for grilling. Never use petrol or other flammable liquids and never add more lighter fluid when the fire has started.
- Never grill indoors or in enclosed spaces. Charcoal grills produce carbon monoxide (CO) vapors, which can be fatal in unventilated areas.
- Hold a fire extinguisher nearby.
- When you have finished cooking, remember that the grill will remain hot for a while. Do not cover or store your grill until it has cooled down and soak charcoal with water before throwing them away.
In the event of an accident
If a barbecue accident – or any form of accident – occurs, damage should be reported immediately. Run cold water over minor burns, but do not cover damaged areas with bandages, butter or ointment. In the event of more serious burns, victims should visit the emergency room or an emergency room. If necessary or if you are unsure, call 911.
Once you have dealt with any damage, you should assess your property damage and, if the situation requires it, contact your insurance company to discuss the application.