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California Wildfires – A Call to Action!

California Wildfires – A Call to Action!. Be prepared or risk getting burned. Southern California Wildfires – Comparison 2007 v. 2003. 2007 Wildfire Summary: 22,700 claims received 2,100+ homes destroyed $1.6 billion in insured losses 500,000 people evacuated. 2003 Wildfire Summary:

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California Wildfires – A Call to Action!

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  1. California Wildfires – A Call to Action! Be prepared or risk getting burned

  2. Southern California Wildfires – Comparison 2007 v. 2003 2007 Wildfire Summary: 22,700 claims received 2,100+ homes destroyed $1.6 billion in insured losses 500,000 people evacuated 2003 Wildfire Summary: 19,100 claims received 3,600+ homes destroyed $2.2 billion in insured losses 50,000 people evacuated Source: Insurance Information Network of California

  3. Wildfire Overview • Prevention & Mitigation • Evacuation Plans • After the Fire • Insurance Coverage • Claims Process

  4. Wildfire - Prevention & Mitigation

  5. Wildfire - Prevention & Mitigation • Create 100’ of Defensible Space • Fire Resistant Landscaping • Irrigate Landscaping • Remove Debris from Roof and Gutters • Rake Leaves, Dead Limbs and Twigs • Clear Branches Near Power Lines • Mow Grass Regularly • Remove Vines from Walls of Home • Install ¼” Mesh Screens over Openings to Attic and Crawl Spaces • Inspect and Clean Chimneys Annually • Add Spark Arrester to Chimneys and Stovepipes • Use Fire Resistant Materials on Roof and Exterior of Home • Or treat combustible materials with UL-approved fire retardant chemicals

  6. Wildfire – Evacuation Plans

  7. Wildfire – Evacuation Plans • Plan Evacuation Route and Destination • Have an alternate back-up plan • Establish Remote Family Contact Person • Create Emergency Supplies Kit • First aid supplies & medications • Battery operated radio • Flashlight and extra batteries • Cash, credit card or travelers checks • 3 day supply of water & non-perishable food • One change of clothing and shoes • Sleeping bag or blanket for each person • Store in easy to carry containers (back-pack, duffle bag, etc.) • Disconnect Automatic Garage Door Openers • Wear Protective Clothing • If you Have Time, Take Steps to Protect your Home • Evacuate Immediately when Advised to do so

  8. Wildfire – Evacuation Plans (continued) • If you Have Time, Take Steps to Protect your Home • Turn off gas at meter • Turn off pilot lights • Turn on interior lights to make home more visible in heavy smoke • Close windows and doors • Close fireplace screens • Turn off propane tanks • Connect long garden hose to outside tap • Wet or remove shrubs within 15 feet of home • Place lawn sprinkler on roof and/or near above ground fuel tanks and turn on • Place combustible patio furniture inside • Evacuate Immediately when Advised to do so

  9. Wildfire – Evacuation Plans (continued) • If You Are Caught in a Wildfire • Get to a fire-proof place if possible • 1st Choice: Get into water – swimming pool, pond, river, swamp, etc. • 2nd Choice: Lie flat near rock or concrete • Cover head and upper body with wet fabric or soil • Breathe air close to ground through a wet cloth to prevent smoke inhalation

  10. After the Fire

  11. After the Fire • Watch for Hot Spots • Check the Roof for any Sparks or Embers • Check the Attic or Crawl Space for any Hidden Embers or Sparks • Photograph and Inventory any Damaged Property • Do not dispose of any damaged items until checking with your insurance adjuster • Immediately Report any Damage to your Insurance Company

  12. Insurance Coverage

  13. Insurance Coverage • Do You Have Enough Coverage to Replace Your Home & Possessions? • Review Coverage Limits Annually with Sales Representative • Compare Amount of Insurance per Square Foot v. Local Cost of Construction • Timely Report Any Additions/Remodeling to Home • Unusual or Significant Out Structures? • Do You Need Scheduled Items Coverage? • Replacement Cost v. Actual Cash Value • Civil Authority Evacuation Coverage • Usually for 2 weeks - save your receipts to document additional expenses incurred • Photo/Video Inventory of Home and Personal Property

  14. Claims Process

  15. Claims Process • Confirm Available Coverage Limits • Insurance Adjuster Role • Documentation Needed • Photo/Video Inventory • Architectural or Construction Plans, Floor Plan • Recorded Interview • Decision – Rebuild or Purchase New Home Elsewhere? • Contractor Selection • Construction Process • Debris Removal • Permits • Code Upgrades • Mortgagee Involvement • Personal Property Claim • Contents Replacement Service • Temporary Housing • Liberty Mutual Customer Care Team

  16. ANY QUESTIONS ?

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