The Insurance Family Blog

California Homeowners, are you protected from brushfires?

Posted by Susie Scherff on August 8, 2011 at 9:26 AM

California Homeowners are your protected from brushfiresNo one knows the devastation a brush fire can cause more than a California homeowner.  With some of the most active brush fire districts in the world coupled with some especially dry summers, it makes sense that California homeowners would be especially keen on protecting their homes. Obvious signs are a warm summer afternoon with low humidity - a perfect atmosphere to cultivate a brush fire.

Reducing brushfire risk

At Sutherland-Sherff, we believe that practice and education can go a long way to protect California homeowners from the risk of brush fires. Reducing risk is key. So what can California homeowners do to help prevent damage?

Keep fire safety in mind when selecting or building your home. Choosing the correct plant life can go a long way to containing a brushfire. Some plants are less flammable than others.For example, hardwood trees provide less fuel than pine trees or firs. Keep a 15ft radius between the home and the majority of shrubs. This is especially important in terms of chimneys and stovepipes.

For California homeowners, it is vital to have up to date home insurance that includes fire protection. Consult with your insurance broker to determine what your specific policy does or does not cover. A basic homeowner’s insurance package can include the physical structure of the property, any replacement costs, possessions, living expenses and personal liability.  Optional coverage includes valuable articles insurance, flood insurance, earthquake insurance and umbrella policies.

For expert advice on protecting your California home from brush fires, contact Sutherland-Scherff today.

 

 

Topics: Home Insurance, Homeowners Insurance, General Liability Insurance