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Mitigating fire risk within your rental property

Posted on 2017-10-11

Mitigating fire risk within your rental property

Few things can be as life threatening and devastating as  fire. In 2015/16, the emergency services in England and Wales attended approximately 76,000 primary fire incidents in buildings, caravans and cars. Our latest landlord education piece covers what precautions landlords can take to minimise the risk of fire to protect the safety of their tenants and avoid damage to their assets.

How can landlords minimise the risk of fire in their property?
Some fires are unavoidable but many are preventable or their potential effects can be mitigated by suitable risk management ahead of time, therefore, landlords must ensure:

  • any furnishings provided conform to The Furniture and Furnishings (Fire) (Safety) Regulations 1988 (as amended)
  • the property has at least one working smoke alarm on every level used as living accommodation
  • gas appliances are checked by a Gas Safe registered gas fitter every year
  • any electrical appliances carry the British Safety Standard sign
  • a working carbon monoxide alarm is present in all rooms with a solid fuel burning appliance
  • all relevant safety certificates are available to the tenant*

As a Landlord, you can also:

  • fit carbon monoxide alarms in rooms with gas burning appliances
  • provide regularly maintained fire blankets or fire extinguishers
  • choose mains wired smoke alarms over battery operated ones
  • provide guidance on escape routes to use in the event of a fire
  • use internal doors which are fire resistant and therefore slow the spread of fires
  • leave fire safety literature in the property for the tenant to read, this is available for free online
  • provide instructions or manuals for appliances in the property to avoid misuse
  • label electrical outlets to show the maximum safe load
  • ensure that chimneys or flues which are used by solid fuel burning fires are regularly cleaned

Taking precautions such as these will not only help protect from destruction by avoidable fires, it could also save lives.

Insure your property against fire

Despite your best efforts, you cannot completely remove the risk of fire. Taking out an insurance policy transfers the risk of having to replace things destroyed by fire.

Fire claims can be one of the most expensive types of claims an insurance company can receive. Once established, fire can spread quickly throughout a property and even to neighbouring properties. Fire is incredibly destructive and once charred, singed, melted or burned, items or buildings invariably need to be completely replaced or rebuilt.

We offer insurance solutions within the lettings industry by offering both landlord’s and tenant’s insurance policies covering relevant buildings, contents and liability risks.

In 2016 HomeLet paid;

  • An average of £34,384.55 per claim
  • £127,239.50 for the largest single claim

To find out more about our landlord’s insurance products or to get a quote take a look on our website

*Source: www.gov.uk: Fire safety in shared or rented accommodation 

 

Disclaimer: The content of this page was last updated on 10th October 2017. Whilst we’ve prepared the information within this page with care and have made every attempt to ensure that the information at the time of publication is accurate, this information shouldn’t be relied upon as a substitute for formal advice. The information contained in this content is for general information purposes only, we reserve the right to edit, discontinue or withdraw this at any time. 

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