Search Results for: blog is your home in the wildland urban interface

Insurance Blog Week In Review August 8-14, 2007

Insurance Term Of The Week: Specialty Lines Insurance Wednesday August 8, 2007. Fire Safe Landscape Additions and Improvements Tips Homeowners have the obligation of protecting their home and personal property and to reduce the risk anyplace possible. It’s important to do routine maintenance and consider choice we make when landscaping to reduce the risk of fire. There are several Blogs about Fire Safe Landscaping. Thursday August 9, 2007. Fire Smart Landscape Maintenance Reminders One of the most expensive investments most people will ever make is purchasing a Home and what we do with our landscape and maintenance is an important … Continue reading →

Insurance Blog Week In Review July 18-23, 2007

Insurance Term Of The Week: Homeowner Insurance Forms If you have read any of my guest blogs in the Adoption or Special Needs parenting sections or know about my personal life at all hopefully you can forgive my obvious lack of work the past several months. I love this gig but the responsibility of parenting a special needs child is overwhelming sometimes! Let’s hope I can stay back on track and writing about the exciting topic of Insurance. I wish I was not cursed with a mind that thinks Risk Management all the time, it makes it difficult to go … Continue reading →

Landscaping To Reduce Wild Fire Risks For Homeowners.

It’s spring and the time of the year many of us feel the urge to get out in the yard and start cleaning things up for the upcoming summer. Spring tasks need to be done to make our yards pretty for the summer BB Q’s and hot afternoons that lay ahead. It’s also a great time to think about risk management and using landscaping maintenance and choices to lower any fire risks our home may now have. A well-designed and properly maintained area around a home or building offers a “defensible space“ This is the area of landscaping where homeowners … Continue reading →

Is Your Home In The Wildland-Urban Interface?

It won’t be long before the hot, dry days of summer return along with the increased risk of wildfires. During wildfire season, homes and landscaping interact with nature and the results can often be increased or reduced risk for complete loss of your home and everything inside of it. Even with the wide difference in climates and settings there is no region safe from the devastation of wildfires. The greatest areas of risks are where homes and dwellings are built next to forest lands. These areas are often referred to as the wildland-urban interface. As we push out the boarders … Continue reading →

The Customers Responsibilities

Recognizing and planning is a vital part of facing the risks we do everyday. Insurance is something we purchase in order to cover the losses the insurance policy covers, or those things that can be covered by an insurance policy. It’s all about dollars, and when a customer suffers a loss, it’s all about the insurance policy covering the costs they contracted to cover. When someone suffers a loss the insurance company doesn’t always just write a check, depending on the extent of the loss, the insured customer will be expected to provide details and in some cases proof of … Continue reading →

Beating the Odds During Wildfire

I have family and friends living in several areas of Southern California. Memories of my past went up in flames during the disaster we have witnessed this week. I know people who have lost everything. My brother faced evacuation Wednesday night. My sister-in-law wasn’t able to come home from work on Tuesday night, the main Interstate 15 was closed. As a child my family lived near Lake Arrowhead. During the early 1980’s my brother and ex-husband did a lot of the electrical construction work on hundreds of homes built in the new community of Rancho Bernardo. One day I hope … Continue reading →

Insurance Terms: W-Z

A | B | C | D | E | F | G | H | I | J-K | L | M | N | O | P | Q-R | S | T | U-V | W-Z Insurance Terms: W Waiting Period under a health insurance policy, the waiting period is the time that has to pass from the policy issue date until the date the benefits become payable. In some cases, the waiting period may also be called an “elimination period” or a “probationary period.” Waiver is the surrender of a right or privilege. With life insurance, … Continue reading →

Fire Smart Landscape Maintenance Reminders

The landscape around a home or structure is a constantly changing and a very dynamic system. Even those plants which are considered fire resistant and have a lower fuel volume need to be maintained and cared for so they won’t lose their fire safe qualities. One of the most important maintenance steps is to first understand the growth habits of the plants you have on your property. Learn about the changes the plants have during the seasons and when maintenance is most needed to reduce the fuel volume in the area. Remove any dead growth on bushes, plants and trees. … Continue reading →

Fire Safe Landscape Additions and Improvements Tips

One thing some people forget is that the first step in managing personal risk is personal responsibility. Homeowners have important obligations to protect their assets and reduce the risk where possible. Every homeowner has the responsibility of planning additions and landscape with the natural risks in mind, and maintaining the home and property in a way to reduce the exposure to losses. When Considering Additions to your home or property keep these facts in mind: If a new deck or patio is planned consider using concrete, bricks or rock rather then wood. Concrete, rock, gravel, brick and stone don’t burn. … Continue reading →

What To Do If You Are Caught In A Wildfire

I have written several Blogs about Wildfires and what to do in order to make your home more resistant and safer. I have also written several Blogs on what to do when you face a possible Fire Evacuation or an urgent evacuation order. But, what do you do when you come fact-to-face with an actual fire in you path? US Fire Officials have raised the 2007 Fire Alert to the highest level. When wildfire strikes the evacuation order can come quickly and with no warning at all. It’s possible that you and your family could come in direct contact with … Continue reading →