A Personal Insurance Update
The past few months have seen wildfires destroy communities, homes, and people’s lives. Our thoughts and prayers are with those of you who have suffered loss. Experts tell us that the total property loss for these events will reach over 9 billion dollars. Much of the damage was insured—which is a good thing. However, now experts tell us that there is going to be a growing rate of non-renewals and rate increases for homeowners.
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.
Wildfire Prevention
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.
During a Wildfire
Protect Yourself and Your Family
We want you to know that our agency will do everything in our power to help you find the best possible combination of coverage, price, and service for your property. We have access to many markets, which allows us to shop for better options. We know which insurers are financially stable to take on your risk.
When was the last time you reviewed your personal insurance coverage? The start of a New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage
With over 20 years of experience in the insurance industry Leon Shum the agency owner is ready to help you find the right coverage for your home or business.
Bridgeway Insurance Services offer a network of carefully selected insurance companies which includes some of the largest national carriers in the industry.
Bridgeway Insurance Services is passionate about providing customized insurance solutions to our clients. Nothing we do is “standard”. We understand each client is unique and deserves solutions that meet their needs.
More information on wild fires