It was interesting to note that on the webpage for the Property Casualty Insurers Association (PCI), mention was made of the importance of residents' preparation for wildfires. They spoke about the extreme drought conditions faced by some areas of the United States despite some areas seeing quite a bit of precipitation this season. They mentioned that areas of California, the Rockies, Great Basin and other areas of the Southwest are seen to be at risk, according to the predictive weather services.
According to the article, “With the threat of severe weather and dry conditions, PCI is urging those who live in fire-prone areas to prepare both financially and physically for wildfires. You never know when Mother Nature is going to throw a curve ball. The biggest investment most people make is buying a home….The best way to recover from a catastrophe is to financially prepare ahead of time. Homeowners and renters should conduct an insurance check-up annually.”
It is important in order to plan to have a Year of Living Less Dangerously from Wildfire to do a one-two step. Make sure that you have prepared physically by making Firewise improvements to your home and landscape. Then take a careful look at your insurance coverage, especially if you made changes or additions to your home or have made big item purchases recently. Read your policy and if you don’t understand it call your insurance agent.