The Illinois Department of Insurance offers some tips to help avoid some common holiday disasters.  According to insurance industry and government statistics, serious accidents, fires and injuries, happen in conjunction with celebrating during the holiday season.  Yet, the majority of people celebrating may not be aware of the risks and may not know what to do to prevent such mishaps.  Every year Christmas trees and decorations cause fires, resulting in injuries and millions of dollars in property damage.  The Office of the State Fire Marshal reminds residents to have working smoke alarms in their homes.  People should also make certain their trees are fresh and properly watered.  To prevent the tree from drying out and becoming flammable once you take it home, saw an inch from the bottom trunk to expose new wood that will easily absorb water.  Check the water level daily, adding more water as needed.  Avoid displaying the tree near fireplaces, heat outlets or vents that would blow directly on it.  Check holiday lights for frayed wires and turn them off before you go to bed.  If you have an artificial tree, make certain it’s flame retardant.  Avoid leaving the room with candles lit.  Finally, do not leave food cooking on the stove unattended.  In the unfortunate case of a holiday mishap, the Department of Insurance can assist consumers with the claims process.  For more information, call the toll free hotline at 866-445-5364.