If your home is located in a woodland setting, rural area or remote mountain site, you may be all too familiar with wildfires. 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 wildfire.
How to Prepare Before a Wildfire
While all of these steps can help protect your family, home and property from damage caused by a wildfire, one of the best steps you can take is to find out if you're eligible for our complimentary Wildfire Defense Services. These services have saved policyholders millions of dollars in wildfire damage to their homes and properties. Click here to learn more.
What to Keep in Mind for New Construction
If you are building a new home or addition in a wildfire-prone area or rebuilding after damage from a wildfire, understand that choices made during the construction process can go a long way toward protecting your home and property from extensive damage. Here are some things to consider:
Use dual pane or tempered glass for windows, sliding doors, and skylights with metal/aluminum frames.
What to Do During a Wildfire
Your top concern during a wildfire 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.
What to Do after a Wildfire
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 re-ignite.
Common Personal Insurance Coverages
Following a Wildfire
Because most of Chubb's homeowner policies provide “all risk” coverage, physical damage caused by a wildfire may be a covered loss. We may also pay the following coverages (the base deductible or a special deductible may apply):
Wildfire Defense: Available in select states, we cover the reasonable expenses incurred to help defend your covered property against the threat of wildfire when a wildfire is within 3 miles of the covered property, or a civil authority initiates an evacuation order for the insured residence. Special coverage limits 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 a 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 30 days. This might include hotel and meal expenses or kenneling for pets. Under some policies, this coverage only applies if a civil authority has forced you to evacuate your home.
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