Wildfires Can Occur Anywhere
Unlike earthquakes and floods, wildfire damage should not require a 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.