5 Tips for Protecting Your Home from Wildfires

The more aware you are of possible threats the more precautions you can take to protect you and your loved ones, so stay tuned to news and weather reports in your area – especially during fire season.

1. Review your insurance policy and make sure your coverage is up to date
   
   No matter how many precautions you take, sometimes mother nature wins. Schedule an annual review with your insurance agent to make sure your home and auto insurance are up to date and provide the type of coverage you need.
   
   
2. Clear your property of debris
   
   Autumn in the western United States is beautiful, but it’s also messy. To limit the paths jumping flames can take make sure you rake your yard of dead leaves, clear gutters and windowsills, and remove or cut back overhanging tree branches—especially those near a power line.
   
   
3. Store flammable materials away from your house
   
   If you store fuel, firewood, or other flammable materials on your property, make sure they are at least thirty feet from your home dwelling.
   
   
4. Use nonflammable materials for your roof
   
   Embers from a fire will most likely first land on your roof. If you haven’t already, install a roof constructed from nonflammable materials like asphalt shingles, metal, slate, or tile. If that’s not possible, protect flammable roof material with a fire retardant or even a rooftop sprinkler system.
   
   
5. Create a Home Ignition Zone
   
   If fire does come near your home, you’ll be better protected from flying embers and radiant heat if you are protected by a Home Ignition Zone. The National Fire Protection Association has created a detailed guide on how this works and how you can create one for your home.

If you have additional questions about fire protection, or would like to review your current property coverage, give a Sea-Mountain Homeowners Insurance specialist a call. We’re happy to answer your insurance questions.