Colorado Wildfires protect your home with Denver Insruance Broker

Colorado Wildfires: How to Protect Your Home

Lower than normal Colorado Wildfires are being predicated this summer by meteorologists.  A cooling trend this spring and strong end of season snow storms are helping. But there will still be wildfires, and you know that Colorado weather changes with the wind…and that’s what could cause more wildfires.

We hope for a reprieve, but it’s always wise at this time of year to take some precautions to protect your home from the unexpected.

How to Protect Your Home from Colorado Wildfires

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.

Know What Your Insurance Covers and How Much You Need

Review your homeowner’s insurance policy for detailed coverage explanations. Do you have coverage for repairs or rebuilding costs?  If so what are the deductibles?  How much is available for repairs?  Will the current policy replacement cost be enough? If you can’t live in your home does your policy provide additional living expense coverage?

Don’t let the potential of a less than average Colorado wildfire season put the review of your insurance policy on the “back burner”.  With rising housing costs, it’s important to review your policy annually to make sure you have enough coverage to rebuild based on current construction costs.

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.

Current Colorado Wildfires, Bans and Restrictions

The Colorado Division of Fire Prevention and Control provides up to date information on current wildfires, fire bans and restrictions. The following map provides a snapshot of information.  To learn more please visit their website Colorado Division of Fire Prevention and Control.

Call Us Today for a Quick Homeowners Policy Review

If you’re not sure about your coverage in the event your home is damaged or destroyed by a wildfire, please call us at 303- 777-2991 for a quick policy review.