Threats of wildfires may not play on your mind, but when it comes to securing a home insurance policy, insurers evaluate this risk.
As we leave the stifling summer, the temperatures continue to remain high during the day. What many homeowners don’t understand is that wildfires are possible all year round, and even likely on hot, dry days that continue well into the fall. If you’ve just bought the idyllic Californian home in the wilderness, you may be wondering if your property is at risk. Unfortunately, Californians living in high fire areas need to content with the impending risk of fire as well as the challenge of acquiring the right (and enough) homeowners insurance.
Homeowners insurance is a must for any homeowner, but this need dramatically increases when the property is located in a high-risk wildfire zone. While most insurance carriers won’t insure your property if it’s within 2500 feet of canyons, brush, or a wildfire area, other carriers are willing to step in and help.
Assuming you have enough coverage, most homeowners insurance policies do typically cover property losses caused by brush, grass, or forest fire. However, most policies do not cover home landscaping and plants that could be destroyed in a wild land fire.
Insurance companies define ‘brush’ as any live or dead bushes, shrubs, thicket, trees, or other vegetation near your home or property. This brush can potentially light on fire, burn, or fuel a wildfire. Vegetation or trees growing in thick bundles are more of a threat as a fire source. Piles of dead yard debris, tree branched, dried grass are also considered uncleared brush.
Preventing the Smoke
Clearing the area around your home from dead and dying plants, trees, and shrubs will help to prevent the spread of wildfire. Dead and dry organic matter can fuel fires, so take the time to remove this from your property. Aim to keep the lawn grass cut short, and well watered, too!
Additionally, perform an annual insurance check-up so that you understand what is and is not covered by your homeowners insurance policy. You can also create a home inventory to help get your insurance claim settled faster in the event of fire loss. Be sure to purchase coverage to protect specific valuables, such as jewelry, fine art, and other items that may have limited coverage under your homeowners insurance policy.
Are you ready to secure the right homeowners insurance for your needs? Contact the team at Grand Oak Insurance Agency, serving Arcadia and neighboring cities in California today.