How to Protect Your Home Before a Wildfire

Wildfires have become increasingly prevalent and devastating in recent years, with large-scale fires such as the Camp Fire and the Hermit’s Peak Fire serving as harrowing reminders of the destruction they can cause. Protecting your home from these natural disasters is crucial for the safety of your family and property.

In this comprehensive guide, we will explore essential preventative steps to safeguard your home, whether you live in a house, condo, or apartment, and discuss the various types of insurance available to mitigate the financial impact of wildfires. Additionally, we will cover how to make an insurance claim and when it is appropriate to seek the assistance of a wildfire attorney.

1. Protecting Your Home from Wildfires
2. Preparing a House
3. Preparing a Condo or Apartment

Create Wildfire Defensible Zone

Creating defensible space around your home to protect it from wildfires involves three key steps and creating specific zones:

1. First, establish an ‘Immediate Zone,’ which extends 0-5 feet from your home. In this area, remove all dead plants, grass, and weeds, and keep tree branches at least 10 feet away from your chimney and other trees.
2. Second, create a ‘Intermediate Zone,’ 5-30 feet from your home, where you should space out trees and shrubs, keep grass short, and create breaks in vegetation to prevent fire spread.
3. Finally, in the ‘Extended Zone,’ 30-100 feet from your home, focus on removing dead plant material, spacing out trees, and creating a reduced fuel area to slow down wildfire spread. Regular maintenance of these zones is crucial for ongoing protection.

Harden Your Home With Fire Resistant Materials

• Install ember-resistant vents and screens to prevent embers from entering your attic or crawl spaces.
• Replace or reinforce your roof with fire-resistant materials like Class A rated asphalt shingles, metal, or tile.
• Upgrade windows and doors to be fire-resistant or install fire-rated shutters.
• Seal gaps, cracks, and joints with fire-resistant caulking to prevent embers from infiltrating your home.

What’s The Best Fire Resistant Roofing Material?

The best roofing materials to prevent fire are those with a Class A fire rating, which indicates the highest level of fire resistance. Some of the top choices include:

1. Metal Roofing: Metal roofs are highly fire-resistant and do not ignite during wildfires or lightning strikes. They are also durable and long-lasting.
2. Clay and Concrete Tiles: Both clay and concrete tiles are non-combustible and offer excellent fire protection. They are heavy, which may require additional support.
3. Slate Roofing: Slate is a natural stone product known for its fire resistance and durability. It’s one of the most long-lasting roofing materials.
4. Fiberglass-Based Asphalt Shingles: Some asphalt shingles are reinforced with fiberglass to achieve a Class A fire rating. They are more fire-resistant than organic asphalt shingles.
5. Fire-Retardant Treated Wood Shingles: Although wood is generally more prone to fire, wood shingles treated with fire retardant can achieve a Class B or C rating. For the highest fire safety, look for Class A rated products.

Each of these materials has its pros and cons regarding cost, durability, maintenance, and aesthetic appeal, so it’s essential to consider these factors alongside fire resistance when choosing the best roofing material for your needs.

Secure Vulnerable Areas

• Ensure your gutters are clear of debris and install gutter guards to prevent accumulation of leaves and pine needles.
• Enclose the underside of your deck with fire-resistant materials to prevent ember intrusion.
• Store firewood, propane tanks, and other flammable materials away from the house.

Create an Emergency Plan

• Develop a family evacuation plan with designated meeting points.
• Assemble a disaster supply kit with essentials like water, non-perishable food, medications, and important documents.
• Establish communication channels with family members and neighbors.

Preparing a Condo or HOA Community for Preventative Wildfire Measures

Community Cooperation:

• Encourage your HOA to adopt wildfire safety measures, such as creating defensible space and establishing an emergency evacuation plan.
• Collaborate with neighbors to maintain common areas free of flammable debris.

Interior Preparations:

• Ensure your condo is equipped with fire-resistant doors and windows.
• Install smoke detectors, fire extinguishers, and fire alarms in your unit.
• Have an escape plan in place, including a designated meeting point within the complex.

Personal Preparations:

• Keep your balcony or patio free from flammable items like potted plants and furniture.
• Store flammable materials like gas canisters or propane tanks in a designated storage area.
• Educate yourself and your neighbors on emergency evacuation routes within the condo complex.

Preparing an Apartment for Wildfire

• Interior Safety Measures: Install smoke detectors and ensure they are in working order. Make sure to keep fire extinguishers in accessible locations, such as the kitchen and near exits. Create an emergency escape plan for your family, knowing all possible exits and meeting points.
• Communicate with Landlord / Property Management: Inquire about fire safety measures in the building, such as fire-resistant doors and fire alarms. Request that the property management maintain clear access to fire exits and conduct regular fire drills.

Wildfire Insurance – Types of Wildfire Damage Insurance

• Homeowners Insurance: Standard homeowners insurance typically covers damage caused by wildfires, including structural damage and personal belongings.
• Review your policy to ensure it provides adequate coverage for wildfire-related losses.
• Condo Insurance (HO-6): Condo insurance covers structural damage to the unit’s interior, personal property, and liability. Confirm with your insurance provider whether wildfire damage is included in your policy.
• Renters Insurance (HO-4): Renters insurance covers personal belongings and liability but does not typically cover structural damage to the building.

Consider adding an endorsement or seeking separate coverage for wildfire damage. Some policies may offer additional coverages, such as coverage for smoke and ash damage, temporary housing expenses, and debris removal.

Making an Insurance Claim After a Wildfire

• Contact Your Insurance Provider: Notify your insurance company as soon as possible after the wildfire occurs. Provide detailed information about the damage, including photographs and videos.
• Document Your Damage: Document the extent of the damage to your property and personal belongings thoroughly. Keep records of all expenses related to temporary housing, repairs, and replacement of personal items.
• Understand Your Policy: Review your insurance policy to understand the coverage limits, deductibles, and any special provisions related to wildfires.
• Work with an Adjuster: Cooperate with the insurance adjuster assigned to your claim. Provide all necessary documentation and be prepared for an inspection of the damage.
• Maintain Communication: Keep a record of all communication with your insurance company. Follow up on the status of your claim and request updates as needed.

Seeking Legal Assistance – When to Contact a Fire Attorney

• Denied Wildfire Insurance Claims: If your insurance claim is denied, delayed, or undervalued, it may be necessary to seek legal assistance to contest the decision.
• Policy Disputes: In cases where there are disputes over policy coverage or interpretations, an attorney can help navigate the legal aspects.
• Bad Faith Practices: If you suspect your insurance company is acting in bad faith by not fulfilling its obligations under your policy, consult an attorney.

Conclusion

Protecting your home from wildfires is a critical endeavor that requires proactive measures and the right insurance coverage. Whether you live in a house, condo, or apartment, the safety of your family and property should be paramount. By following the guidelines provided in this comprehensive guide, you can significantly reduce the risk of wildfire damage and ensure you are adequately prepared to face the challenges that may arise.

In cases where insurance claims are necessary, understanding the process and seeking legal assistance when appropriate will help you navigate the complexities of wildfire recovery. The lessons learned from past wildfires, such as the Camp Fire and the Hermit Creek Fire, underscore the importance of being well-prepared and protected in the face of this ongoing natural threat.