Is your home in a wildfire or brush area? If so, then you have probably determined that these risks can be difficult to find insurance policies for, but at Hatter, Williams & Purdy Insurance we can help you find insurance for your property. Whether it be a home, condo, or tenant occupied dwelling, we always do our best to make the process of marketing your insurance smooth. We have access to several preferred carriers and excess and surplus lines carriers that can look at the exposure.
You may wonder, what classifies my home as being in a brush area. There are several factors to take into consideration, and a few have been outlined below:
- Wind patterns in your area, is your home located in an area where wind can potentially blow a fire towards you?
- Distance to a fire hydrant and fire station
- Roof type
- What does the surrounding terrain and landscape look like, are there trees shrubs or other vegetation near you that has the propensity to easily light on fire
- Is your dwelling situated on a slope or are you near a slope
- Does your home have 150-200+ feet brush clearance
The above are just a few guidelines that the insurance carriers take into consideration when they are quoting a risk. With the amount of wildfires we have seen in California, this causes insurance companies to reassess which homes they will continue to insure.
If you find it difficult to find coverage for your new purchase, existing home or if your current insurance carrier is non-renewing the policy, feel free to contact us for a free estimate.
