Colorado has already experienced multiple wildfires this year that have already destroyed numerous structures and land. The dry and warm Colorado climate is a dangerous recipe for wildfires. Whether you live in the mountains, on the plains or even in the city it is important to make sure you and your possessions are prepared for a fire. You can also do many different things to prepare your house and landscape to prevent a fire or reduce damage if a fire approaches.
How to prepare your home
· Thin trees and shrubs that are within 75 feet from your home. Even further if it is on a slope.
· Clear all vegetation within the first 15 feet of home. Beyond that trees and shrubs should be thinned to allow 10-12 feet between branches
· Grass and weeds should be less than 6 inches high
· Trim branches that extend over roofs and completely remove branches that hang over chimneys
· Keep wood piles at least 30 feet from home
· If possible use brick, rock or stucco for exterior of home and fencing
· Roof is most vulnerable in times of fire. Use class A or B roofing materials such as shingles, slate, clay tiles or metal.
· Cover exterior vents with metal mesh to prevent sparks from entering home
When a fire approaches
Try to remain calm and remember your evacuation plan and materials.
· Grab your evacuation box (which was explained in previous blog)
· Notify insurance company immediately to let them know where you are headed and how to reach you
· Park vehicles in closed garage with keys in ignition and unlocked (this is so crews can move your vehicles if fire becomes threatening)
· Attach garden hoes to spigots and fill up trash cans and buckets of water so fire fighters can find them
· Close all doors inside the home and shut off petroleum gas/natural gas valves
· Move furniture away from windows and remove curtain blinds
If home is damaged
· Contact insurance company immediately. You will meet with a claims adjuster and someone will inspect the damage. The first check you will receive will most likely not be your final payment but some money for temporary repairs. Most insurance companies include an “additional living expense” clause which covers your expenses if you are ordered to evacuate or relocate for a period of time.
· In most cases you will receive two separate checks, one for structural damage and one for personal belongings. This is why it is very important to complete a home inventory
· Take photos of damages and losses, make temporary repairs and save receipts because you will most likely be reimbursed.
Now you know how to prepare your personal belongings, important documents, home and landscape for a fire or evacuation. Be sure to look over your insurance policy and if you have any questions about your coverage’s don’t be afraid to call your agent. At CO Insurance Specialist we have over 30 years of experience and are happy to answer questions or concerns at any time.
Work Cited
Goertzen, J., Moreno, J., & Steffen, J. (2011, May 01). Advance planning critical. The Denver Post, p. 13A.
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