Wildfire Preparedness

Wildfires Can Happen in Almost Every State. Learn How to Be Prepared for Wildfires.

While wildfires happen more frequently in the western United States, 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.

Before a Wildfire

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.

How to Reduce Wildfire Damage

  • Define a defensible space, at least 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.

During a Wildfire

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.

After a Wildfire

Wildfire Damage? Call 800-332-3226
If you have experienced damage from a wildfire, report it as soon as possible. We’re here to help 24 hours a day, seven days a week. Get more information on what else you can do if you have experienced damage caused by a wildfire.

Additional Living Expenses
If you’re unable to live in your home while it is being repaired or rebuilt, Safeco homeowners insurance will help pay for additional living expenses, as noted in your policy. Check your homeowner’s insurance policy for detailed coverage explanations or talk to your local Safeco agent.

© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. 36 USC 220506