During decoration or renovation of your home, fire poses a real and dangerous risk. Safeguard your home by agreeing to 10 simple rules with your builders or tradesmen.

  1. Avoid portable heaters. The London Fire Brigade state that, over the last five years, they responded to 819 fires which were caused by electrical heaters. Flammable materials placed too close to a heater are the most common cause.

  2. Initiate a no smoking policy. Smoking is the single most common cause of fire-related fatalities. This also applies to e-cigarettes and vaporisers.

  3. Ensure there is a fire extinguisher on site. Make readily accessible firefighting equipment such as fire extinguishers, hoses, hydrants and emergency water tanks.

  4. Make sure people know how and when to use it. Water extinguishers should not be used on electrical fires, for example.

  5. Implement a fire alarm procedure. In the event of a fire, define who will call the fire brigade, who will deal with the fire and who will set the plan of evacuation into operation.

  6. Follow gas cylinder safety protocols. If gas cylinders are being handled, ask that they are safely secured in an upright position and fitted with a regulator and flashback arrester.

  7. Insist the site be kept clean and tidy. Waste material, packing materials, wood shavings and oily rags must be removed daily.

  8. Know what flammable materials are being used. Ask that all flammable paints be kept off the site if possible.

  9. Do not allow fires as a method of disposal. Insist rubbish is not to be burned on the site and instead should be disposed of properly.

  10. Implement ”hot works’ guidelines. Hot works are when your building team are using blowtorches or anything that requires a naked flame.
    • No hot works undertaken in flammable or dusty atmospheres.
    • No hot works to start until the surrounding area is cleared of loose combustible material, or combustible materials and wooden floors properly covered.
    • Hot works preferably undertaken in the morning.

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All content in this material is for general information purposes only. It does not constitute personal advice or a recommendation to any individual or business of any product or service. Please refer to the policy documentation issued for full terms and conditions of coverage.

Chubb European Group SE (CEG) is an undertaking governed by the provisions of the French insurance code with registration number 450 327 374 RCS Nanterre. Registered office: La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France. CEG has fully paid share capital of €896,176,662. UK business address: 100 Leadenhall Street, London EC3A 3BP. Authorised and supervised by the French Prudential Supervision and Resolution Authority (4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09) and authorised and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request.

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