Aegis General and Manufactured Home Fire Safety
Probably the number one concern for your clients that own a manufactured home is fire hazards. Because they are somewhat flimsily designed, as opposed to a house built on a foundation, they tend to lack the ability to survive a major fire hazard. The federal government regulates the construction of manufactured housing, requiring companies to comply with U.S. Department of Housing and Urban Development (HUD) manufactured housing construction and safety standards.
At Aegis General, we understand these homes come with inherent risks, and we strive to help your clients obtain affordable insurance coverage.
Many homes lack proper smoke detection units
The National Fire Protection Association (NFPA)’s national fire data indicates that manufactured homes built to HUD standards (post-1976 construction) have a much lower risk of death if fire occurs compared to pre-standard manufactured homes. Despite the federal requirements for factory-installed smoke alarms and the fact that seven out of ten manufactured home fires now involve post-HUD-Standard units (based on 2007-2011 data), 51 percent of fires in manufactured homes were reported as having no smoke alarms present.
Many of the issues stem from electrical wiring hazards. We suggest your client hire a licensed electrician to inspect the home, and refrain from using extension cords, other than as a temporary convenience. Also, tell them to avoid overloading electrical outlets, nor should electrical cords be run under carpets or rugs, as the wires can be damaged by foot traffic and overheat and ignite the carpet or rug placed over them.
Unattended cooking is the leading cause of cooking fires in U.S. homes. Tell clients to stay in the kitchen when heating anything on the stove, keep cooking surfaces clean, and place anything that can burn well away from the range. Above all, practice cooking safety tips.
When using space heaters, keep them at least three feet away from anything that can burn.
Also, inform the owners that they should turn off portable space heaters before falling asleep or when leaving the room. Finally, ensure that they supervise children and pets when space heaters are operating.
At Aegis General we not only want to provide affordable insurance, we want to educate people on ways to keep their homes and families safe.