Abram Interstate Insurance Services, Inc., CMGA

Helping Independent Insurance Agents Since 1996

Prepare for Fire Season: Tips for Your Customer

Published on July 21, 2015

It only takes looking at the New York Times homepage this past week to see that California wildfires are making national headlines again.  While that’s always a summer reality for us in this state, there are some things that can be done to prevent fires around the home. Here are a few good tips for the fire season to give to your insurance customers.

Pass these along to existing customers and new customers when you place their business in our  homeowners insurance market (see below for details). Quote online now.

photo credit: IMG_1812 via photopin (license)

photo credit: IMG_1812 via photopin (license)

Prepare for Fire Season:

  1. Contact your nearest local fire department and ask about the local fire danger levels in your area.
  2. Create a defensible space around your home. Defensible space is the 100 foot radius zone around your property. Trim back all trees or branches that hang over or touch your roof. Keep plants and trees trimmed and remove all dry branches, bushes, shrubs and vegetation. Did you know that some plants are more fire resistant than others? (Learn more about that here.)
  3. Keep all flammable materials at least 50 feet away from your home. These items include firewood, paint cans, propane tanks and debris.
  4. If your home has a wood roof, consider replacing it with ignition resistant roofing materials.
  5. If the exterior of your home is made of wood siding or other combustible home siding, consider replacing it with fire-resistant materials such as stucco, brick, fiber-cement or wood products factory-treated with fire retardant.
  6. Inspect your home (including decks) for any signs of dry rot and repair these areas. Decaying wood is very flammable.
  7. Review your home insurance policy. Do you have enough coverage? Every year, the cost to rebuild a home can change. Maybe you’ve made some upgrades that your current home policy doesn’t cover? The cost of labor and materials may have increased since your last policy review. Talk to your local insurance agent today.

We can’t stop fire season altogether here in the state, but we can be proactive and take action to ready our homes as best as possible.

For Insurance Agents:

Product Highlights:

Homeowners 3, 4, 6 & 8

A+ Rated, Admitted & Non-Admitted

Preferred and Standard coverages are available for owner occupied homes with limits from $100,000 to $50,000,000. Credits are available for higher deductibles, burglary and fire protection. Condo and renters coverage is available if written as a package with an auto policy.

A small sample of homes that may be eligible:

  • Preferred Homes
  • Standard Homes
  • Homes with losses
  • Fire Classes 8, 9, & 10
  • Designated Brush Areas
  • Older Homes
  • Home Day Care coverage available

Applications

ACORD Homeowner Application

Chat online with us HERE NOW for eligibility requirements or a brush check.  Flexible Payment Options Now Available.

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Abram Interstate Insurance Services, Inc. is a California wholesale insurance broker (CMGA) that has licensing and expertise to place business in both admitted and non-admitted markets for personal lines insurance and commercial lines insurance in California and surrounding areas.

Quote Online Today.