According to the Federal Government, almost 90 percent of the wildfires in the United States are caused by humans. Wildfires can occur in the country and major cities. Wild fires can start in a vacant lot and spread to neighborhood very quickly. From January 1 to March 31, 2017, there were 13,458 wildfires, compared to 9,218 wildfires in the same period in 2016. Source; iii.org
Wildfires And Homeowner’s Insurance
Unlike earthquakes and floods, wildfire damage should not require a completely separate policy, and probably does not even require a high risk policy. It is a good idea, however, to know what your homeowner’s policy does cover. In many cases wildfires are covered, but it is always good to call your agent for a homeowner’s insurance review.
If your homeowner’s policy covers wildfires it would normally protect the building and contents from a covered loss. In addition, you will need additional living expenses if you must leave your home during re-construction.
Become familiar with your community’s disaster preparedness plans and create a plan for your family. Identify escape routes from your home and neighborhood and designate an emergency meeting place for your family to reunite if you become separated.
- Use fire resistant materials for roof and home construction.
- Keep wood piles at least 30 feet from your home.
- Create a 100 foot safety zone around your home.
- Prune trees within 15 feet of any chimney outlet.
- Follow local ordinances when burning yard waste. Avoid backyard burning in windy conditions, and keep a shovel, water, and fire retardant nearby to keep fires in check. Remove all flammables from your yard when burning.
- Make sure that fire vehicles can get to your home. Clearly mark all driveway entrances and display your name and address.
- Teach children about fire safety. Keep matches out of their reach.
- Keep roofs and gutters clean and free from debris.
- Have a ladder that reaches your roof.
- Have an extra-long hose.
- Rake leaves, dead limbs and twigs. Clear all flammable vegetation.
- Back as many vehicles as possible into the garage, then close the door. In the event that you evacuate, remember to close the garage door behind you as you leave. If you do not have a garage or if yours is full, park your vehicles heading in the direction of the evacuation route.
At North Bay Insurance Brokers, we know how hard you’ve worked to turn your house into a home. Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound.