Action Financial Insurance

10 Wildfire preparedness tips for homeowners

1. Create Defensible Space Around the Home

Encourage homeowners to remove dry vegetation, weeds, brush, wood piles, and other combustible materials near structures. Creating a defensible perimeter can help reduce fire risk and improve firefighter access.

2. Clean Roofs and Gutters Regularly

Leaves, pine needles, and other debris can easily ignite from airborne embers. Keeping roofs and gutters clean is one of the simplest ways to reduce fire exposure.

3. Trim Trees and Shrubs Near the House

Branches should be trimmed away from roofs, siding, chimneys, and windows. Reducing fuel sources near the home can help limit fire spread.

4. Close Windows and Doors When Wildfire Threatens

If a wildfire approaches the area, homeowners should keep all exterior doors and windows closed to reduce the entry of smoke, ash, and embers.

5. Turn Off Air Conditioning and Outside Air Intake Systems

Many HVAC systems draw outside air into the home. Turning these systems off during heavy smoke conditions can help protect indoor air quality and reduce smoke infiltration.

6. Protect Roof and Attic Vents

Roof vents, ridge vents, and turtle vents can allow embers and smoke to enter the attic. Homeowners should discuss safe vent protection methods with qualified professionals before wildfire season.

7. Move Combustible Items Away from Structures

Patio furniture, propane tanks, firewood, and other combustible materials should be moved away from buildings when wildfire activity increases nearby.

8. Document the Property Before a Loss Occurs

Photos and videos of the home, contents, and valuables can make the claims process significantly easier if damage occurs.

9. Review Insurance Coverage Before Fire Season

One of the most valuable services an agent can provide is a coverage review before a catastrophe occurs. Encourage clients to understand:

Applicable deductibles

Smoke damage coverage

Additional Living Expense (ALE) benefits

Debris removal coverage

Outbuilding and landscape limitations

Documentation requirements during a claim

Many homeowners are surprised by policy provisions only after a loss occurs. A proactive review helps set expectations and strengthens trust.

10. Consider Professional Wildfire Mitigation Services if you live in a wildland urban interface area.

Pet safety for the 4th! This year our pups get a break from the fireworks.

Normally I would give a list of how to comfort your dogs and keep them safe, not this year. Fire is to prevalent to light fireworks. -sorry