As temperatures rise and vegetation begins to dry out, May marks the unofficial start of wildfire season in many regions, including our state of Arizona. Is your home or business prepared?
Wildfires can cause devastating damage, often with little warning. Now is the time to review your insurance policies and take steps to protect your property before the peak summer months arrive.
1. Review Your Home or Business Insurance Policy
Ensure your current policy includes coverage for fire damage. Pay close attention to:
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Dwelling coverage: Is your home insured for its current replacement cost?
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Personal property coverage: Are your belongings covered adequately?
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Additional living expenses: If you’re displaced, does your policy help cover temporary housing?
If you’re a business owner, also verify your business interruption insurance is active and current.
2. Create a Home or Business Inventory
Having a list of your belongings (with photos and receipts if possible) can speed up your claims process significantly. Include:
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Furniture
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Electronics
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Appliances
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Tools or equipment (especially for home-based businesses)
3. Maintain Defensible Space
Insurance companies often look at how well a property is maintained. Help reduce your risk by:
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Clearing dry brush and vegetation
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Trimming trees away from structures
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Cleaning gutters and roofs of debris
4. Ask About Wildfire-Specific Coverage or Endorsements
Some policies exclude or limit wildfire damage in high-risk areas. Ask your insurance agent if additional coverage or a separate wildfire endorsement is recommended for your area.
5. Prepare for Evacuation
Even with good insurance, having a plan in place protects what matters most—your safety. Create a go-bag with essentials and keep important documents (including your insurance info) accessible.
Final Thought:
Wildfires are unpredictable, but your coverage doesn’t have to be. If you’re unsure about your protection, now is the time to talk with your insurance agent. At Empire Insurance Brokers, we’re happy to review your policy and help ensure you’re covered for whatever comes your way.
