Wildfires Can Happen in Almost Every State. Are You Prepared?
While wildfire strikes more frequently in the West, nearly every state has been devastated by fires in the last century. And each year, hundreds of homes are destroyed as more people choose to live closer to nature.
Know What Your Insurance Covers and How Much You Need
- Your homeowner’s insurance policy covers repair or rebuilding costs.
- If you can’t live in your home, Safeco will pay additional living expenses as provided in your policy. Review your policy for detailed coverage explanations.
- Review your insurance policy once a year to make sure you have enough coverage to rebuild based on current construction costs.
- Work with an independent building contractor to get a precise estimate, and talk to your agent about your building’s unique features.
Prepare Now to Save Damage Later
- Define your defensible space-a 30-foot noncombustible 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.
When a Wildfire Strikes, Protect Yourself and Your Family
- If a wildfire starts in your area, monitor local news reports for evacuation procedures.
- Prepare for evacuation by turning off gas valves and pilot lights, closing all windows and doors, and packing your car for quick departure if there is time and it is safe to do so.
- Return to a burned area only when local authorities have instructed you to do so.
Other Resources
Getting the right insurance protection for you:
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