What is a fire safety inspection?

What do inspectors look for in a home fire inspection?

A home fire inspection — or a fire safety inspection — ensures that proper precautions are in place to avoid house fires. The inspector will look for smoke alarms and fire extinguishers, potential fire hazards, and physical obstructions. They will check if you have placed all smoke alarms appropriately throughout the house. There should be one on every floor, near each bedroom, and all should be in working order. They will look for a fire extinguisher and test sprinkler systems if applicable. Fire safety inspections should be performed by certified inspectors from your local fire department, but this may vary depending on where you live.

The inspector will check for any potential hazards, such as electrical wiring issues or appliance malfunctions that could lead to a fire. In the event of a fire, you must have unimpeded means of egress (e.g., a way to leave your home). The inspector will look for furniture or fixtures blocking or impeding escape routes.

How do I prepare for a home fire inspection?

Here are eight ways:

• Install smoke alarms and test regularly: It’s best to have smoke detectors on every level of your home, including the basement and attic — and near every bedroom and common area. Run smoke alarm tests regularly.
• Clear exits of debris or obtrusive items: If a fire breaks out, the last thing you want is to fall and hurt yourself while trying to escape.
• Keep escape ladders in upper-level rooms: People should only use the escape ladder if smoke or fire has blocked the other exits.
• Ensure your house number is visible: Make sure it's easily visible from the street, making it easy for emergency services to locate.
• Have an escape plan and meeting place: Walk through your home and inspect all possible escape routes. Make sure paths are clear and that you can open windows easily.
• Check for overloaded power strips or wiring issues: An errant spark from an outlet could start a fire.
• Purchase and know how to use a fire extinguisher: Ensure all able household members understand how to use the fire extinguisher and review the instructions regularly.
• Keep your appliances free of grease to avoid grease fires: Wipe up spills to prevent grease buildup.

There's plenty more you can do to prepare. Check your local fire department's recommendations. In addition, the U.S. Fire Administration offers a free fire safety checklist for renters and homeowners.

Are home fire inspections required when purchasing a home?

Requirements differ by state. Residential smoke detector guidelines may vary, so check your local guidelines. A smoke and carbon monoxide detector inspection may be required when purchasing a new home. The National Fire Prevention Association (NFPA) provides a free guide for installing and maintaining smoke alarms.

Should I have my home's fire safety inspected?

It may not always be required, but it can be highly beneficial. It may point out dangerous hazards you weren't aware of, so you can repair them. Learn additional ways to prevent a house fire.

Does homeowners insurance cover fire?

Homeowners insurance may protect your home’s structure and belongings against fire and smoke damage, up to the limits of your policy and minus any deductible. If you’re unable to live in your home while it's being rebuilt or repaired after a fire, loss of use coverage under your homeowners policy may pay for you to live elsewhere.

Does a home insurance inspection cover any safety or fire risks?

A home insurance inspection may also evaluate safety risks, including testing smoke and carbon monoxide detectors, and checking fire extinguishers.

Protect your home against fire with homeowners insurance