California is ranked the #1 highest wildfire risk, with almost 2 million homes at high or extreme risk from wildfires. There are three critical factors that affect the risk of wildfire loss.
Fuel- ie: grass, trees, dense brush, that feed a wildfire
Slope- slope of the property (fire travels faster up hill)
Access- any trouble accessing to the property can slow fire teams
The ISO (Insurance Services Office) has created a scorecard to assess a dwellings susceptibility to loss from wildfires and ranks them as a “Fireline” rank from 0-30. Many carriers seem to be cancelling any property rated above a 4, and some even lower. There are alternative carriers who have been taking up the slack in the demand for coverage on these properties and you can find coverage, as a last resort, from the California Fair Plan, but that is a bare boned coverage which is primarily only the dwelling coverage. You can get ancillary plans from Farmers and McGraw that fil in the gaps and cover Liability and the risks excluded under the Fair Plan policy.
To reduce your risk to wildfires create a zone around your home that will slow the fire down. And possible direct it around your home. Contact us at http://www.farmersagent.com/ctrowbridge to get a more detailed plan.
