10/14/2026
October is Fire Prevention Month, and fire losses rarely look the way people expect. Here are five common misconceptions policyholders may have, and the facts you can use to dispel those myths if they have questions about, or have experienced, a fire loss.
Myth: Newer homes are safer.
The fact: NFPA says today's home fires can become deadly in as little as 2 minutes. Lightweight construction, synthetic furnishings, and a growing number of lithium-ion batteries can mean more fuel, faster fire growth, and a more toxic environment.
Myth: Soot can be removed with soap and water.
The fact: Cleaning soot-covered walls without the right techniques and cleaning agents can actually make things worse. Improper cleaning can spread soot, push it deeper into surfaces, and cause permanent stains. Leave wall cleaning to the professionals.
Myth: If it doesn't look burned, it isn't damaged.
The fact: Smoke and soot travel well beyond the flames, into HVAC systems, fabrics, carpets, electronics, and rooms that look untouched. Untreated smoke residue can etch glass, and acidic residue can tarnish metal. Soot left behind can continue to corrode materials.
Myth: Smoke odor will air out.
The fact: Fresh air can ease a heavy smoke smell, but it doesn't remove the source. Smoke particles settle into walls, furniture, and fabrics, and odors can linger long after the fire. Left untreated, they can become a permanent part of the home. Charred materials such as insulation and burned wood can also seal in smoke until they're removed.
Myth: Items touched by fire are automatically unsalvageable.
The fact: Professionals can clean and restore many items, including furniture, upholstery, clothing, linens, hard surfaces, books, artwork, and documents. Electronics and appliances are evaluated case by case. Some items must go, such as food, medications, cosmetics, and anything charred or beyond repair.
