A San Jose apartment fire that occurred in the middle of the afternoon, just south of I-280, has devastated residents of the building. The cause is unknown at this time. They residents have recently learned that it may be some time before they’re allowed to return to their apartments or collect their belongings.
For reasons unknown, power lines on site were downed, so firefighters were unable to enter the building to protect life or property. The only available option was to stand at a distance and pour water on the fire in order to prevent it from spreading to other buildings. Although this was successful, it put the residents in a bad position because the fire burned longer than it should have. Did the residents have San Jose renters insurance to protect their families?
Nearby units which would typically endure only minor smoke damage were nearly total losses. This includes both the apartment and the personal property of the residents inside. Often when there’s an apartment fire, crews are able to contain it to a limited number of apartments. In this case, that wasn’t possible because of the live power lines on the ground.
Generally, residential fires cause something of a ripple effect where the severity is reduced as you travel outward from the center of the fire. Because firefighters were unable to access the building, the fire was not contained to a small area and the entire structure was affected.
When thinking about a fire in a neighboring apartment unit, it’s natural to assume that it wouldn’t have a significant impact on you. It’s even natural to think that an apartment fire won’t happen to you. This San Jose apartment fire proves otherwise. Fires spread incredibly quickly and their effects can be devastating to everyone in the building. For instance, minor smoke damage to most property can often be cleaned. Major smoke and heat damage makes the property a loss. In this fire, any items remaining in the building are unlikely to be usable or repairable because of the way the smoke permeated the building.
It is unknown whether any residents of the Concord Avenue building had renters insurance. If they had, the tenant policy would pay for additional expenses related to the fire. This would include a hotel stay while finding a new apartment, as well as coverage for replacement of personal property lost in the fire. The average monthly cost of a renters insurance policy is estimated at only fifteen dollars a month!
Effective Coverage provides renters insurance in San Jose, across the Valley, and nationwide. Remember that in California insurers may not use your credit in rating or underwriting. This can significantly reduce the cost of coverage for many residents, and helps to lower the barrier to entry. For more information on San Jose renters insurance, contact Effective Coverage at (800)892-4308 or click above for free online renters insurance quotes.