Before a catastrophe strikes and you’re faced with a loss, make a home inventory – lists, pictures or a videotape of the contents of your home. After all, would you be able to remember all the possessions you’ve accumulated over the years if they were destroyed by a fire? Having an up-to-date home inventory will help you get your insurance claim settled faster, verify losses for your income tax return and help you purchase the correct amount of insurance.
Storing the list, photos and videos: Regardless of how you do it (written list, CD, photos, video), keep your inventory along with receipts OFF premises. That way you’ll be sure to have something to give your insurance representative if your home is damaged. When you make a significant purchase, add the information to your inventory while the details are fresh in your mind. More … rmiia.org
Creating Your Inventory
You can list your items by category, or by room. For many items like books, CDs, bed sheets or pots and pans, you can make a general estimate of how many you have. For expensive items, note the make and model, the store where the item was purchased and the approximate date.
Resources for making a Home Inventory here:
Protect your Home, Property and Forest from Wildfire
Homeowners can take a number of steps to protect their property and help alleviate the spread of wildland fires. Preventive measures include clearing excess fuel, creating defensible space around their homes and using FireWise practices. More … csfs.colostate.edu
Learn about the steps required to become a Firewise Community and how to apply at www.firewise.org.
Are You FireWise?
Many people don’t realize that they face serious wildfire danger. But if you live in the foothills, grasslands or mountains of Colorado, you are at risk!
To be FireWise, you must carry out certain fire-protection measures before a fire even starts. By following the fire-safety guidelines listed here, your home will have a chance to survive while firefighters work to bring the wildfire under control. Remember, a fire department’s effectiveness in battling a wildfire starts with YOU!
The CSFS recently updated its two principal guides for protecting property from wildfire. “FireWise Construction: Site Design & Building Materials” and “Protecting Your Home from Wildfire: Creating Wildfire-Defensible Zones” were developed by experts in the fields of wildfire behavior and FireWise construction practices. Important changes were made based on lessons learned from recent wildfires in the wildland-urban interface:
- the ongoing need for year-round maintenance of surface fuels around the home, such as mowing grass and raking up thick beds of pine needles
- the importance of keeping gutters, decks and roofs free of pine needles and other combustibles year-round
- understanding how wildfires can start from burning ember showers, and not just direct heat and flame
- describing fuels mitigation in specific forest types
Other Property Mitigation Resources:
Learn more about how wildfire behaves and what you can do to make your home safer:
Insurance is something most people don’t even want to think about until they need it the most. But, understanding what is and isn’t covered in your homeowners insurance policy can mean the difference of being able to rebuild your home and replace your personal belongings. Homeowners need to do annual insurance policy “check ups” to make sure they keep up with local building costs, home remodeling and inventories of their personal belongings.
The typical homeowners insurance policy covers damage resulting from fire, windstorm, hail, water damage (excluding flooding), riots and explosion as well as other causes of loss, such as theft and the extra cost of living elsewhere which the structure is being repaired or rebuilt.
Tips for Insuring Your Home to Value
You should insure your home for the total amount it would cost to rebuild your home if it were destroyed. That’s not the market value, but the cost to rebuild. If you don’t have sufficient insurance, your company may only pay a portion of the cost of replacing or repairing damaged items. Tips to help make sure you have enough insurance:
Wildfire Ready Video
A Fire Adapted Community takes responsibility for its wildfire risk. Actions address resident safety, homes, neighborhoods, businesses and infrastructure, forests, parks, open spaces, and other community assets. A Fire Adapted Community uses tools, supported by federal and state agencies, to prepare its homes, neighborhoods, businesses, infrastructure, natural areas, and surrounding landscape for wildfire but it’s up to you and your local jurisdiction to take the necessary actions. For more information, please visit www.fireadapted.org.
The Fire Adapted Communities Coalition has released a report, “Lessons from Waldo Canyon” and a companion video, “Creating Fire Adapted Communities: A Case Study from Colorado Springs and the Waldo Canyon Fire.” These new resources share the post-fire field investigation, and stress the importance of communities becoming fire adapted. To read the report and watch the video, please visit http://www.fireadapted.org.
State Farm Insurance Wildfire Success Story: See how a homeowner in Boulder County protected his home from the devastating Fourmile Fire (WATCH)
Colorado’s wildfire season is off to an early and dangerous start with the Lower North Fork Fire. RMIIA’s Carole Walker gives advice to homeowners both in and out of the path of this latest wildfire. (WATCH)
In two different video clips from Firewise describes how your community can become Firewise. (WATCH)
See how vulnerable your home can be in this simulated wildfire video. (WATCH)
Get tips for reducing wildfire risk. (WATCH)
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