If you live in California, every season is fire season. It is imperative that every homeowner is properly protected before the Santa Ana winds begin to blow. Here are three things that we recommend in order for you to be prepared:
- Document Your Belongings in Order to Get Full Replacement Value
It is recommended by most insurers that you document your belongings in order to be able to easily claim the full replacement value. Without these documents, insurers may offer the cheapest comparable replacements. There are several methods that can be used, including keeping a photographic log of items and their receipts (in the case of more expensive items like electronics and jewelry), or a video showing the items in your household. Remember to make sure that any model numbers or identifying features are visible.
- Review Your Homeowners Policy – You May Not Be Fully Covered
In order to make sure your homeowner’s insurance covers fire damage, review your existing policy. In some cases, plans limit how much compensation can be given for fire damage; this may mean that your coverage is not enough to replace the full value of your home and belongings. While most homeowner’s insurance provides fire protection, it often only does so to an extent. For instance, in an area that has been widely affected, labor and material costs may rise as people rebuild. Homeowner’s insurance may also neglect to cover the cost of certain aspects of clean up such as ash and debris. For this reason, it is important to consider reviewing your policy to ensure that the coverage you have is adequate for your property, especially as we enter the driest month of the year.
- Download Our Guide
In your home, there is only one thing that is truly irreplaceable: Your Family. That’s why we’re offering this helpful guide that provides important safety tips and information on what to do if you are the victim of a fire. Click here to download our free fire safety guide.
We believe in proactively protecting the things that you’ve worked so hard to build; it’s The Conrey Difference. Download our comprehensive fire safety guide and schedule an appointment today to discuss your coverage and manage your risk. We’ll be happy to help.
Call us at 1-877-450-1872 or contact us here, and experience the Conrey Difference for yourself.