The devastating California wildfires have left many homeowners questioning their insurance coverage and emergency preparedness. As these natural disasters become more frequent and intense, it’s crucial to ensure your assets are properly protected. At Brunswick Companies, we’ve received numerous inquiries about comprehensive coverage options and preparedness strategies. Here’s our detailed guide to help you protect what matters most.
Before a Wildfire Threatens
Review Insurance Coverage
- Verify your policy limits for home, contents and vehicles
- Confirm comprehensive auto insurance includes fire damage coverage
- For high-net-worth (HNW) policies, ensure coverage extends to custom features, rare materials, fine art and collectibles
Create a Detailed Home Inventory
- Document your belongings through photos and videos
- Store receipts and appraisals digitally in cloud storage
- Pay special attention to high-value items and collections
- Update your inventory annually or after major purchases
Develop Your Evacuation Strategy
- Map multiple evacuation routes from your property
- Maintain an emergency kit with essential documents and medications
- Keep vehicles fueled and positioned for quick departure
- For high-net-worth policies, verify access to concierge evacuation services
- You do not need to wait for an evacuation order to leave. Your life is far more valuable than your possessions
If a Wildfire Approaches
Secure Your Property
- Remove flammable materials (e.g., furniture, propane tanks) from around your home
- Close windows, doors, and vents to protect against embers
- Turn off pilot lights. Shut off propane at the tank and natural gas at the meters
- Wet shrubs within 15 feet of the home
- For HNW clients, inquire about private firefighting services or fire suppression systems offered by your carrier
Back Up & Secure Critical Documents
- Digitally backup insurance policies, ID and mortgage documents
Contact Insurance Provider
- Alert your carrier to the immediate threat
- Review claim procedures before they’re needed
- Confirm emergency contact numbers
After a Wildfire
Document All Damage
- Take clear photos and videos of any affected property or belongings
- Avoid permanent repairs until an insurance adjuster has assessed the damage
Initiate Your Claim
- Immediately notify your insurance carrier.
- Provide your home inventory and all documentation of damage
- For HNW policies, confirm if specialized claims handlers are available to assist
- HNW clients may have access to expedited claims resolution and rebuilding management
Save Receipts
- Keep receipts for temporary repairs or additional living expenses, like hotel stays and meals
- HNW policies often cover luxury accommodations, lifestyle continuity, and even re-landscaping
Contact Us
For detailed coverage review or policy updates, contact Brunswick Private Client Services:
- Phone: (330) 865-4225
- Email: privateclient@brunswickcompanies.com
Remember: The time to review your coverage is before disaster strikes. Our team is ready to help ensure your protection matches your needs.
Brunswick Companies provides comprehensive insurance solutions for high-net-worth individuals and families. Our personalized approach ensures your unique assets receive the protection they deserve.
