![]() Becoming a Firewise Community is essentially taking defensible space to the community level. Several insurance carriers are beginning to try and integrate the Firewise Community database information into their underwriting systems. This photo is taken from the site of a neighbor’s home that, unfortunately, did not fare as well.Ĭonsider rallying your neighbors to become a Firewise Community You can see the abundant space around the home that protected it as everything around it burned. Pictured below is a client’s home that survived the 2018 Paradise Fire. ![]() Abundant defensible space is Step 1 to improving your home insurance options. Satellite imagery is continually improving, and we expect it’ll be the first thing consulted by underwriting departments going forward. This, more than anything, is the primary factor in determining whether a home will survive a wildfire. We cannot stress enough the importance of creating defensible fire space. We want to offer solutions to the insured’s that want to learn how to and are willing to protect their home. There are several companies out there willing to work with homeowners, in high fire danger areas, that are willing to demonstrate a commitment toward active preventative measures.Īn example, from Rivington Partners, who Old Harbor is proud to have a great relationship with:Īt Rivington Partners we underwrite each risk based on its own merit and exposure. Rather, these items are intended to provide guidance that will allow you the largest pool of potential home insurance solutions. It’s important to note that following all our recommendations will not guarantee acceptance of your property. Annual wildfires are now the expected norm by insurance carriers, which has led to tighter, extremely conservative underwriting. ![]() Last month’s fires (October 2019) throughout California marked the fourth consecutive year of catastrophic losses in the state. ![]()
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