Thursday, December 26, 2024

What Is the CalChoice...

When business owners want to understand options for company health coverage, one question...

What Happens If My...

For the most part, homeowners are responsible for what falls into their own...

Your Guide to Health...

Deductibles in health insurance are a set amount you’ll have to pay for...

Allstate reports $1.7bn Q3...

US primary insurer Allstate has reported that its pre-tax catastrophe losses for the...
HomeLIFEPrepare your property...

Prepare your property for wildfire, then review plans annually

Prepare your property for wildfire, then review plans annually

Be proactive about preparing for the danger of wildfires.

Even if you’ve taken precautions to make your home or business resistant to wildfire, take time each year to review your preparations.

Let’s discuss the why, the what and the how of wildfire preparation for homeowners and business owners. Find additional tips on our Wildfires page.

THE WHY – THE IMPORTANCE OF PREPARATION
  • Do it before the “crazy” time hits. Making preparations in advance can minimize the pressure during an event.
  • When the wildfire is on its way, it is too late.
  • Don’t fear the unknown – embrace it and prepare for it.
THE WHAT – BE PROACTIVE

Develop an emergency preparedness plan with everyone in your home or business.

  • Assess and address your family’s unique situation:
    • Do you have young children, elderly family members, members with special needs or disabilities? Do you own pets or adored collections? Do you employ household staff?
    • Look around the house and make a checklist of important items.
  • Assess and address your business’ unique situation:
    • Do you have employees with children?
    • Are there hazardous or flammable materials on site?
  • Plan for worst-case scenario; if something less than that happens, you will be good to go!
  • Know your evacuation routes. Establish several routes in case roads are blocked or closed.

Build an emergency kit with a 3-day supply of water and food per person.

  • Consider kit locations:
    • Home – keep it in a designated place that everyone knows
    • Work – be prepared to shelter in place at work for at least 24 hours
    • Vehicle – keep a kit in your car in case you get stranded

Assemble individual “go bags” for every member of the family, including pets, as well as for each employee.

  • Label them for easy identification.
  • Make sure they are easy to locate quickly.
  • The bag should be portable; a backpack is ideal.

Prepare your home or business to stand on its own, unattended, during a wildfire.

  • Build with non-combustible materials.
  • Clear brush to create defensible space between your structure and wildland.
  • Trim overhanging trees.
  • Keep roofs clear of pine needles, leaves or other debris.
  • Rake leaves away from under decks or fences or other attachments.
  • Move wood piles at least 30 feet away from the building and cover with a fire-resistant covering.

Make sure your property or business is accessible to first responders.

  • Ensure your home or business has legible and clearly marked street numbers.
  • Driveways should be at least 12 feet wide with a vertical clearance of 15 feet for emergency vehicle access.
  • For gated properties, install a security box for keys or leave your gate propped open if you must evacuate.
THE HOW – MOVE FROM THEORY TO ACTION
  • Obey all evacuation orders by local authorities.
  • Stay aware of the latest news and updates from local media and fire department.
  • Practice your plan to identify gaps and create strategies to fill those gaps.

This loss control information is advisory only. The authors assume no responsibility for management or control of loss control activities. Not all exposures are identified in this article.

Continue reading

Best of Artemis, week ending October 20th 2024

Here are the ten most popular news articles, week ending October 20th 2024, covering catastrophe bonds, ILS, reinsurance capital and related risk transfer topics. To ensure you never miss a thing subscribe to the weekly Artemis email newsletter updates...

Supreme Court Rejects Challenge to the ACA’s Individual Mandate

Save as PDF On June 17, 2021, the U.S. Supreme Court rejected a lawsuit challenging the constitutionality of the Affordable Care Act’s (ACA) individual mandate in a 7-2 ruling.  This lawsuit was filed in 2018 by 18 states as a...

Are You Ready for the 2023 Open Enrollment Period?

More than likely, if you are working with a health insurance broker, you have heard that the tenth annual enrollment period for the ACA is coming up. The enrollment period runs from November 1st to January 15th in the...

Enjoy exclusive access to all of our content

Get an online subscription and you can unlock any article you come across.