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Fire Damage - The Dangers Of Not Being Insured
Life is all about uncertainties and I never believed that till the last Christmas day, just a week after I and my wife shifted to the new house. In the beginning my wife did advice me to get a fire damage insurance done, but I wanted to save money and after having looked around the locality I made my mind that there was no need to get an insurance done.
On a lovely Christmas night I and my wife decided to take some rest alongside the pool in our house, as we hardly used to get time to unwind ourselves. I was in a relaxed mood and the surroundings were simply awesome. The stars shone brightly and the entire night sky seemed to celebrate Christmas with us. I took out a cigar from my case and snipped the tip. With a relaxed flip I lit up the cigar and started to smoke it. The smoke was thick and the flavour of the cigar mesmerized my mood. I was already high in spirits. As I smoked through the cigar I felt a slight dizziness and my eyes shut slowly.
I woke up to the screeching sound of the fire alarm. I was astonished and my wife also woke up due to the noise. What I saw was terrifying; I was thunderstruck. I saw our kitchen half engulfed in flames. I could not believe my eyes till I heard a loud bang. The window panes of the kitchen were shattered to pieces. The fire began to spread beyond the kitchen and seeing the extent of fire damage, I was sure that I was in for a lot of trouble. I took a small fire extinguisher from the store house and sprayed it in the direction of the fire. But the fire was overwhelming and I stood in front of the flames holding my wife's hands. Then we realized that we were too close to the fire and we decided to move out of the house.
The loud blast had already alarmed my neighbours and they called up the emergency services. Fire engines arrived within moments and they began dousing the flames, the fire was brought under control but it took some time because the fire had been caused due to an electrical short circuit. The firemen could not use water they had to use foam instead to prevent further fire damage. After the fire was brought under the control the electrical connections of the house were switched off.
The investigation team firm the fire department discovered that a small short circuit in the kitchen caused a spark which ignited a gas pipeline. The pipeline had a small leakage and the spark ignited it into massive proportions.
I discovered that almost every appliance of my kitchen had been destroyed by the fire and the fire had also spread to the dining space. There was so much fire damage around.
Then I realized that I was without fire damage insurance cover and wondered that what a big mistake I had committed. Days before I had ignored the need for fire damage insurance. There I stood with the wreckage of my kitchen thinking about the benefits of being under an insurance cover. My total loss was more than a thousand dollars and I would have to pay for the damages from my pocket. Had I opted for fire damage insurance, I would not have been worrying the expenses.
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