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While Arizonans are finally leaving the peak of the summer heat, fire season is still in full swing. Arizona’s fire season goes from April through October. The frequency and severity of fires in Arizona continue to increase. From 2022 to 2023, the number of fires in Arizona grew by approximately 33%, and the number of acres burned grew by approximately 22%, according to Arizona’s Department of Forestry and Fire Management. It is important to remain prepared to protect your property and loved ones. This blog will focus on how to find the right insurance coverage and reduce your risk during Arizona’s long fire season.
Insurance Considerations
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Review Your Homeowners Insurance Policy
While most homeowners insurance policies will cover fire damage, certain exclusions and limitations may limit your coverage. Analyze your policy’s terms surrounding wildfires, as some high-risk areas, like Arizona, may require additional coverage or endorsements. You will also want to review your policy limits and deductibles to ensure they reflect your wildfire risk.
2. Consider Additional Coverage
Depending on your needs, you may need additional coverage if you are at high risk of a fire. For example, dwelling coverage can help you pay for your home if a fire destroys parts of the building. You may also want to consider personal property coverage will help you repair valued items like your personal electronics and furniture. Loss of use coverage can help you temporarily relocate if you cannot live in your home after a fire. To learn more about supplementary policies, contact one of our agents!
Reducing Your Risk
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Prepare Your Property
To help reduce your risk of filing a claim because of a fire make sure you prepare your home. Clean your roofs and gutters. Move any flammable material away from the walls of your home. Mow your lawn to be less than four inches in height and clear any plants or weeds away from your home or a shed adjacent to your home.
2. Stay Informed
Track new local fire information by checking your local news stations daily. You should also sign up to receive emergency alerts to keep you safe during fire season. Finally, consider visiting an American Red Cross or your local fire department to gain some additional resources for wildfire preparedness.
Wildfires are a huge concern in Arizona, and it is important to ensure you take the right steps to prepare yourself and your home. While taking preventative measures is incredibly important, having the right insurance coverage during an emergency may be even more vital.
If you are wondering whether you have the right insurance coverage for the end of this fire season and moving forward into the next, consult with us at The Arizona Group. We can offer personalized guidance surrounding your insurance needs and will help you adjust and alter your current policies to reflect your needs.