If your home is located in a woodland setting, rural area or remote mountain site, you may be all too familiar with bushfires. While they often begin quietly, they can spread quickly, igniting brush, trees and homes in their paths. You can reduce your risk by following these tips to help protect your family, home and property from bushfire.
You may feel helpless against an encroaching bushfire, but there are plenty of things you can do to limit its damage. Here are some steps to follow if bushfire is a threat in your area.
If you are building a new home or addition in a bushfire-prone area or rebuilding after damage from a bushfire, understand that choices made during the construction process can go a long way towards protecting your home and property from extensive damage. Here are some things to consider:
Your top concern during a bushfire should be to keep yourself and your family safe. Everything else can be replaced. If conditions become too dangerous, you should immediately evacuate your home. Your Chubb homeowners policy will respond to covered losses. If you still have time to act and the fires have not yet threatened your safety, here are some things you can do to mitigate the damage:
Do not waste water or jeopardize water pressure until burning embers fall around your home.
Once the fire is completely out and authorities say it is safe to return to your home, you may follow these steps to begin the cleanup process. Be sure to inspect the roof and exterior from a distance first for any sparks or embers as they could reignite.
Following a Bushfire
Because most of Chubb's homeowner policies provide “all risk” coverage, physical damage caused by a bushfire may be a covered loss. We may also pay the following coverages (the base deductible or a special deductible may apply):
Additional Living Expenses: If a covered loss to your house, other permanent structure or contents makes the dwelling(s) uninhabitable, we may provide coverage for any reasonable increase in your normal living expenses, which could include:
However, power outages that do not result from a covered loss to your property will not trigger Additional Living Expenses.
Temporary Precautionary Repairs: After a covered loss, we may provide coverage for temporary precautionary repairs to protect the home, contents or other structures from further damage.
Debris Removal: We may pay for the cost to demolish damaged property and remove debris.
Forced Evacuation: If you are forced to evacuate your home or other permanent structure as a direct result of a covered loss or a reasonable threat of a loss covered under the policy, we may cover the reasonable increase in normal living expenses for up to 90 days. This might include hotel and meal expenses or kennelling for pets.
Food Spoilage: If you have coverage for Contents, we may cover the cost of spoiled food and wine caused by power interruption. Special coverage limits and deductibles apply in most states.
Please review your policy for complete details of the coverage contained in your policy.
The content of this document is presented for informational purposes only and is not intended as a substitute for consultation with your insurance broker or for legal, engineering or other professional advice. Insureds are responsible for safety and risk control of their premises. Chubb may exercise its right to inspect premises from time to time under insurance policy terms and conditions, but it does not have any obligation to oversee or monitor an insured’s safety and risk control practices. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at www.chubb.com. Insurance provided by Federal Insurance Company and its U.S.-based Chubb underwriting company affiliates. All products may not be available in all states. Surplus lines insurance sold only through licensed surplus lines producers. Chubb Limited, the parent company of Chubb, is listed on the New York Stock Exchange (NYSE:CB) and is a component of the S&P 500 index. Chubb, 202 Halls Mill Road, Whitehouse Station, NJ 08889.
All claims are subject to the terms, conditions and exclusions of the relevant product disclosure statement and/or policy. Please read this information carefully before making a claim and/or contact your broker or us for more information.