Who do you call first?

* The first thing to do is to contact your insurance agency or officer. This will provide immediate repairs such as fixing windows or roofs, restoring the electric supply or the heating system. If the house is not fit for living, the insurance company (if your policy covers it) also fixes up intermediate residence for you.

* After your initial settling down is complete, it is essential that you make an inventory of all the items damaged in the fire. This may be hard to do if you don't already have one. If you are reading this, it is a good idea to start now (a video or photos will also do) and keep them in a safety deposit box or a fireproof container.

* If you have a mortgage associated with your property, you should also call the mortgage company and keep them updated about the restoration and repair of your property.

Basic utilities: -

You can find out from the Fire Official whether your basic utilities like gas or electricity had been turned off during the fire for protective purposes.

* If the temperature is below freezing point, the pipes need to be stopped from bursting by either draining plumbing or by restoring heat.

* The electrics and gas systems in your house need a thorough examination, even though they might appear unharmed, before the connections are restored.

* If you're electrical or gas systems have been severely damaged, it might not be fit for restoration.

A few other tips: -

* Seek medical help immediately if you or your family members have inhaled large amounts of smoke.

* Notify the Fire Official in-charge of the loss of important papers and remember DO NOT enter the building without the Fire Official.

* Keep receipts of any money you spend or costs incurred, for possible reimbursement by the Insurance Company.

* Ensure that your personal belongings are not left out in the open. However, do not throw away anything before a list of damaged items has been made.

* If you need immediate food and housing, contact Red Cross, Salvation Army or your local church for support.

* If you need to move, notify your friends and family. Also make sure that the post office, the bank and the utility companies are notified of your new address.

* A report on the fire will be available at the Fire Administration Office within five working days of the incident.

*Contact the necessary regulatory bodies to re-issue your Driving License and Passport.

* If you or your family are having trouble dealing with the trauma of losing a home, be sure to seek friendly or even professional counselling.

Keep the above pointers in mind and act accordingly if ever there is a fire in your home.