Household appliances spark nearly 300 fire-related claims annually
Household appliances spark nearly 300 fire-related claims annually | Insurance Business New Zealand
Insurance News
Household appliances spark nearly 300 fire-related claims annually
Stoves, pots, and pans take the lead as the primary culprits in appliance-related fires
Insurance News
By
Ada Tabanao
New data from general insurer AMI reveals that stoves, pots, and pans accounted for 72% of all appliance-related house fire claims last year.
“For three consecutive years, the stove has been responsible for the most appliance fire related claims, causing around 300 fires every year,” said Wayne Tippet (pictured), AMI executive general manager claims.
AMI’s data highlights a slight increase in appliance fire claims during April each year, with the frequency declining from November onwards.
“When the weather gets colder, more people tend to opt for fried foods, or soups, stews and curries, but our data suggests that along with these warm winter staples comes an increased likelihood of a fire breaking out,” Tippet said.
“Stoves pose a major fire threat because of their high heat output and the highly flammable cooking oils used in pots and pans, atop them. Hot cooking oil also produces a large heat release, starting fires that are difficult to diffuse if the initial flames are not smothered immediately. Something so small can hugely impact people’s lives and actually cause thousands of dollars’ worth of damage.”
The toaster also emerged as a frequent offender in AMI’s claims data, responsible for causing 15 fires among the insurer’s customers in the previous year.
“While the small appliance is fitted with a timer, it still pays to keep them away from anything flammable and make sure they’re not covered or used inside the pantry,” Tippet said. “Some homes have roller cupboard doors where kettles and toasters are often stored and, unfortunately, in the past we’ve seen claims where toasters have set cupboard doors on fire.”
Appliance fires resulted in approximately $10 million in damages during 2022. While this represents a decrease of $2 million compared to 2020, which witnessed the highest surge in financial losses from appliance fires, families still endured months of disruption during repairs.
“It’s very likely the national COVID-19 lockdown played a part in this spike, where the majority of New Zealanders were suddenly at home using appliances and spending more time than they usually would in the kitchen,” Tippet said. “Another significant consideration is that damage may not be isolated to just the room where it started. Even small fires can cause widespread impacts, such as water damage from putting out the fire, and smoke damage to furniture and curtains in adjacent rooms, so it’s important to consider both home and contents insurance to ensure you are fully covered against fire risk.”
“There are a few golden rules we can take from this data, such as never leaving pots and pans unattended on live elements or hobs and keeping things at least a metre from the heater. While prevention is key, everyone should have working smoke alarms in their homes and an evacuation plan. Busy cooks could also opt for a meal made in the slow cooker, which hasn’t set ablaze for our customers so far.”
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