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Wildfire

Wildfires can happen in almost every state.
Are you ready?

While wildfire strikes more frequently in the West, nearly every state has been devastated by fires in the last century. And each year hundreds of homes are destroyed as more people choose to live closer to nature.

• Make sure you have enough insurance coverage
• Take steps to reduce your risk
• Have a safety plan
• If disaster strikes, call 1-800-275-1915

Know what your insurance covers and how much you need

Your insurance policy covers repair or rebuilding costs. If you can't live in your home, Safeco will pay additional living expenses as provided in your policy—typically for up to 12 months. Review your policy for detailed coverage explanations.

Business owners should also consider business income insurance , which is designed to cover the costs of replacing lost profits, payroll and operating expenses if you are shut down while repairs are being made.

It is important that you review your insurance policy once a year to make sure you have enough insurance to rebuild based on current construction costs. We recommend you work with a building contractor to get a precise estimate, and make sure you talk to your agent about your building's unique features.

You can reduce the chance of losing to wildfire

No building is fireproof, but there are steps you can take to better the chances when wildfire strikes.

• Define your defensible space—a 30-foot non-combustible zone around your home.
• Choose fire-resistant plants and trees.
• Remove or prune low-hanging tree branches.
• Cut grass and weeds regularly and keep your roof and yard clean, especially from dry yard debris.
• Stack wood piles or other burnable materials at least 30 feet from your home or other buildings on your property.
• Keep signs and addresses visible so firefighters can easily locate your property.
• Rate your roof—is it fire-resistant?
• Recycle yard debris and branches instead of burning.

When a wildfire strikes, protect yourself and your family

If a wildfire starts in your area, monitor local news reports for evacuation procedures. Prepare for evacuation by turning off gas valves and pilot lights, closing all windows and doors and packing your car for quick departure, if there is time and it is safe to do so. Return to a burned area only when local authorities have instructed you to do so.