Dry seasons the past couple of years have caused wildfires to be a very big problem in the state of California. It is very important to properly prepare you and your family for these devastating disasters.
First off, it is vital to know what your insurance covers and how much you will need. Reviewing your policy once a year will make sure there is enough coverage to rebuild based on current construction costs due to the wildfire.
Business owners should also consider business income insurance, which is designed to cover the costs of replacing lost profits, payroll and/or operating expenses if you are shut down while repairs are being made.
Remember, no building is fireproof, but there are plenty of precautions you can take to reduce the chances of losing to a wildfire.
- Define your defensible space—a 30-foot, non-combustible zone around your home.
- Choose fire-resistant plants and trees.
- Remove or prune low hanging tree branches.
- Cut grass and weeds regularly and keep your roof and yard clean, especially from dry yard debris.
- Stack wood piles or other burnable materials at least 30 feet from your home or other buildings on your property.
- Keep signs and addresses visible so firefighters can easily locate your property.
- Rate your roof—is it fire resistant?
- Recycle yard debris and branches instead of burning.
With advances in technology, there are multiple apps that you are able to download on your smart phone that can prepare homeowners for a wildfire, stay up to date on wildfire news and find a shelter in their area, in the event of needing to be evacuated.
Be Prepared App for iPhone
Be Prepared App for Android
Once a wildfire begins to spread in your area, monitor local news reports for evacuation procedures. While preparing for evacuation, when there is time and it is safe to do so, it is important to turn off gas valves and pilot lights and close all windows and doors as well as pack your car for a quick departure.
As your insurance partner, we want to make sure we can contact you and your family in the event of an emergency. In addition to your home address and landline, we’d like to have your e-mail addresses and cell phone numbers on file. You can update your records by calling 1-888-512-8878!