110 Laurel St. San Diego, CA 92101
- Wildfires are becoming more common
- Fire prevention helps but fires can swallow whole towns
- Our clients describe fires in terms of red sky, fire light reflecting off smoke clouds hundreds if not thousands of feet in the air
- Fires can look like the end of the world
- Sometimes, very little can stop them, or prevent them
- Have emergency kits, essentials in a backpack for whatever unforeseen event
- Family meeting spot close by or far away
- And if you have coverage, read your policy
- Real property
- Make sure your base coverages (dwelling, other structures) are enough to cover replacement cost
- Supplemental coverages (extended replacement coverage) are available
- Get it
- Have ordinance and law (“code”) insurance
- Additional costs of living (“ALE”)
- Covers cost to rent a like kind dwelling during evacuation
- Expect to be a renter for a while
- For Landlords
- Your coverage should insure loss of rent
- For Commercial owners
- Insure business income
- Insure your business property
- For Personal property
- These are your collectibles
- Get to safety
- Photograph or video your surroundings if it is safe to do so
- Have a passenger photograph or video your evacuation
- Notify your insurer
- Report the (potential) loss
- And get a copy of your policy and coverages
- o Get safe housing
- Rent fast for shorter or monthly terms
- Stay flexible if you can
- Document everything you spend in recovery
- Keep receipts, invoices, leases
- Survey your loss (when permitted)
- Photograph / video your loss
- Take pictures of debris, close-up, all around
- Structures
- Contents (jewelry, keepsakes, anything discernable)
- Appliances
- Remnants for salvage
- Damaged trees
- Vehicles
- Inventory your loss
- In your mind’s eye, go “room to room” and write out what you “see”