Saving money where you can is never a bad idea, and insurance companies provide a number of ways you can save a significant amount of money on insurance. One of those ways is to save on homeowners and/or natural disaster insurance by taking steps to make your home less likely to be damaged in the event of a wildfire.
As summer heats up in Southern California, the landscape dries out and the tiniest spark could result in a devastating fire. A typical homeowners insurance policy won’t cover you in the event that your home is damaged by a wildfire, but natural disaster insurance will, and the cost can often be offset by taking precautions to make your home more fire-resistant. The following are some inexpensive things you can do to greatly reduce your risk of wildfire damage and possibly save some money on your natural disaster insurance:
- Replace Your Vents – Install ember-proof vents on the outside of your home. They’ll keep out flames and embers that could otherwise ignite something on the interior of your home.
- Keep Gutters Clear – A lot of homes in the area already come with fireproof tiles, but fires can still start if there’s flammable debris in your gutters.
- Don’t Build Wooden Decks – If you’re wanting to build a deck outside your home, use brick, stone or concrete – not wood.
- Replace Fences – If you have a wood fence surrounding your property, consider replacing it using ignition-resistant or non-combustible materials.
One of the best ways to save on your natural disaster insurance is to never have to file a claim in the first place, and by taking steps to harden your home against wildfire damage, you significantly reduce your risk of having to do so.