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It’s Always Fire Season for California Home Insurance Carriers

It’s Always Fire Season for California Home Insurance Carriers

Fires season is year-round in California!  Here are some tips to remember so you don’t end up with a California home insurance claim:

First of all, create a defensible space around your property. This reduces the risk that fire will spread from the surroundings to the structure.  30 feet clearance around the home is required by law.  However, insurance companies and cities may require an additional 50-70 feet to increase the Reduced Fuel Zone.  These increased distances would depend on the steepness of your property and the surrounding vegetation. [During a fire, firefighters sometimes do not attempt protecting structures without adequate defensible space because it hampers the safety of their teams and their effort is less likely to succeed.] 

 Creating a Defensible Space:

1.      Remove all buildup of needles and leaves from roof and gutters.

2.      Keep tree limbs cut back 10 feet from chimneys and remove dry limbs overhanging the home and garage.

3.      A screen over your chimney outlet of not more than ½ inch mesh is required by law.

4.     To find out more details go to www.fire.ca.gov      

 Second, in case of a fire it’s helpful to have a household inventory.  Use a digital camera to photograph rooms and contents. Then take a few minutes to catalogue your possessions and give them a value.  If you choose to use a video camera, comment as you go along with as many details describing the item(s) as you can remember.  Duplicate and store this inventory in different places, including at least one copy away from the home.  A free Home Inventory Guide is available online.

Now is a good time to review your homeowners’ insurance policy with your agent to assure that you have sufficient coverage for your home and personal belongings.  To obtain the proper fire coverage on your California home insurance policy, contact your agent or give Remland Insurance a call at 714) 532-3341

COVID-19

The COVID 19 virus has certainly changed our lives for the short term both at home and at work. Our office is working in compliance with state and local officials and their request to minimize contact with others for the short term so that we can shorten the life of this virus.
As such, our offices will be available by phone or by e mail 8-5 Monday thru Friday. If you need to make an appointment to come by, please call us before you drop by, so we can reduce risk, and take care of our staff and just be safe.
Please don’t hesitate to call us and if for some reason you can’t reach us, please look at our website for carrier contact information. Thank You for your continued business.

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