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Wildfire Wisdom: Understanding Wildfire and Home Resilience
The threat of wildfire — and what you can do to help protect your home
Since the 1980s, the number of wildfires in the U.S. has increased significantly, with longer wildfire seasons threatening more homes, businesses, and land than ever before.
How do wildfires start?
In many cases, wildfires start due to these three elements:
Oxygen is necessary to start and sustain a fire. Air supply is increased by windy conditions.
Heat raises fuel temperatures to their ignition point and ignites fuels. Common heat sources include lightning and human activities.
Fuel is necessary to sustain and carry flames. Fuel can include grass, brush, trees and anything else that is combustible.
What you can do to help protect your home
Depending on where you live and how your home is built, there may be things you can do to help reduce or mitigate damage from a wildfire.
Create a defensible space around your home.
By removing dead or dry plant material from your yard, roof, and rain gutters, trimming trees, and using noncombustible mulch and low-growing, fire-resistant plants, you can create a fire break around your home.
Harden your home
When homes are made with fire-resistant materials or processes, they are less likely to burn. They are also more likely to act as a fire break, reducing the size of the fire and helping it to be brought under control.
Consider wildfire resilience during construction
For more information, review our Fire-Hardened Residential Construction Guide to help protect your home from wildfires using fire-hardened residential construction technologies and techniques.
Consider these options to harden your home against wildfires.
- Roofs: Install a Class A, fire-rated material, such as standing seam metal, concrete tile, slate or composite roofing, so that burning embers roll off before they have time to burn through the material.
- Vents: Install fire-resistive vents. During large wildfires, most homes burn from the inside out due to ember intrusion. All vent openings should be equipped with 1/8-inch metal mesh or ember-resistant vents.
- Eaves: Close eaves on your home. Burning embers can get trapped under the eaves of homes if they are not properly enclosed.
- Attachments: Attached wood decks, balconies, fencing and outdoor furniture are susceptible to burning embers which can quickly ignite and enable the fire to reach the home.
Wildfire Defense Services
Available to Chubb clients at no additional charge, Wildfire Defense Services offers monitoring, prevention, and mitigation services to help keep you and your home protected from the devastating effects of wildfires.
Chubb has partnered with a leading wildfire management organization to provide our clients with customized, actionable steps they can take to help protect their homes, families, and property from wildfire.
Before wildfire season
A wildfire-risk assessment can recommend ways to reduce the fuel that feeds wildfires around your home and identify other protective measures. To learn more about the wildfire-risk assessments in your area contact prsrisksolutions@chubb.com.
As a wildfire approaches
WDS will use their state-of-the-art tracking technology to help identify how and where the fire will likely spread. As a client, you can use the Catastrophe Tracker in the Chubb Mobile app to track the fire yourself as well.
During a wildfire
Chubb and our partner, Wildfire Defense Systems may take steps to help protect your home from harm, including:.
- Sending certified professional firefighters to your home
- Removing combustible materials from around your home
- Applying vent tape to reduce or help prevent ember intrusion
After the threat has passed
We will help clean up any equipment left on your property and guide you through the claims process if needed, as well as reimburse you for eligible expenses
What else can you do?
Connect with a vendor that can offer specialized services such as understanding the wildfire exposure on your property through our Chubb Trusted Network, powered by handdii.
Consider a portable air purifier through Chubb’s relationship with Delos. Chubb policyholders can unlock an exclusive discount on all products.
Chubb has collaborated with XG Consultants Group to help retrieve important documents.