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Call 911 immediately. If you have a fire extinguisher or fire blanket near the laundry room, you can attempt to extinguish the fire, but don’t open or touch the dryer. If you can’t put the fire out, evacuate yourself, your family, and your pets from the house, closing the laundry room door behind you. Turn off the electricity to your home via the outside fuse box, then wait for the fire department. After a dryer fire, have your home’s electrical system inspected to make sure there isn’t any damage.

Homeowners insurance does not cover DIY mistakes, so tread lightly if you plan to tackle your own home repairs or renovations. If you cause damage to your home while attempting repairs or renovations yourself, the cost of fixing the damage is often considered your responsibility. Most policies only cover damage caused by covered perils like fire, theft, or weather—not by homeowner errors.

You’ll know you have smoke damage if you notice a lingering smoky odor, see soot or residue, or spot any discoloration of surfaces in your home. If you have any kind of house fire, always assume you have smoke damage and hire a professional who deals with smoke damage to assess the extent of the damage and restore your home to its pre-fire condition.

Yes, most insurance plans cover acts of nature. In policy documents, this also may be called “Acts of God” or “natural disasters.” However, not all acts of nature are covered by your policy, and the extent to which they’re covered depends on your specific contract. Check your policy documents to understand your coverage limits and exclusions.