Californians Reminded To Prepare Financially And Physically For Wildfires
|Targeted News Service|
"In 2013, fire fighters saw firsthand how homes that had 100 feet of debris clearance avoided damage as wildfire approached," says Feliciano. "As we enter 2014, water levels and dry conditions make physical wildfire preparedness more important than ever. Fire officials recommend Californians clear 100 feet of defensible space, remove dead plants, grass and weeds within 30 feet of a home, trim trees 6 feet from the ground, clear leaves and pine needles from the roof and rain gutters and always create a family evacuation plan. Taking these simple steps now can make all the difference if a wildfire breaks out."
Wildfire Financial Preparedness Tips:
* Review Your Policy Regularly - Review your property insurance policy with your insurance company or agent. If you have recently remodeled or built a new addition onto your property, be sure to increase the amount of protection to cover the changes to the property. If your home is paid off, be sure to maintain coverage.
* Keep an Inventory - To speed claims processing, keep an inventory of your possessions and photograph or videotape them for documentation purposes. After a fire, you will be asked to list the items that were destroyed or damaged along with a brief description that includes receipts, appraisals, and the age, current value, make, model and serial number of items. Click here: Know Your Stuff Home Inventory and Know Your Coverage Apps
* Understand Your Policy - Homeowners need to understand the type of policy they have. There are two kinds of policies: A replacement cost policy will generally repair or replace covered personal property damaged by an insured peril. While an actual cash value policy only provides reimbursement for the depreciated value of covered personal property. Coverage for earthquake damage is typically available as an optional endorsement to your homeowners insurance policy.
Physical Preparedness Tips - For more physical preparedness tips check out www.Readyforwildfire.org
* Create Defensive Space - The best protection is defensive space. Clear the land around dwellings of all vegetation. Experts recommend that the cleared area extend at least 30 to 100 feet from the dwelling in all directions.
* Remove dead leaves and debris from roof or rain gutters.
* Remove wood piles or prune flammable plants and shrubs near windows.
* Trim trees so branches are a minimum of 10 feet from other threes. Embers are a major cause of spreading fires. Remove vegetation and items that can catch fire under decks.
Fire Prevention Tips -
* Don't toss burning cigarettes out into dry brush areas.
* Be sure campfires are completely put out and doused with water and cannot relight.
* Be careful with controlled burns, severe weather can cause a normal burn to become out of control.
* Be cautious with mowing equipment on dry brush - one spark can ignite a wildfire.
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