Wildfire season is upon us. We've already witnessed fires in the Oak Creek Canyon area (aka Slide Fire) and in Southern Arizona. Recently I posted a Facebook message that relayed some important information for homeowners in the near vicinity of wildfires and/or potential wildfires. I thought I'd share this information in a blog post for anyone interested in improving their policy before an impending natural disaster occurs.
Here is the information you NEED to know so that you can be proactive with improving your policy.
Insurance companies will restrict coverage changes during times of wildfire in the areas afflicted. What this means is if you own a home in an area currently affected by a wildfire chances are you can't contact your insurance and make changes to your policy. The agent will be notified of the restriction and the areas affected. So, if you're underinsured and a fire is in the area, you will remain underinsured. If you have a high deductible on your policy, you won't be able to lower it. If you don't have comprehensive coverage on an automobile you insure, then you can't add this coverage.
You will be restricted from making any and all changes until the threat is gone and the insurance company lifts the restriction.
My Advice: If you can see the fire on the ridge it's too late. Contact your independent agent to review your home and auto insurance policy this week. If you don't do it now there may come a time when you can't do it at all.
Check out the valuable information from the Arizona Interagency Wildfire Prevention and Information Website. You can check specific fire restrictions around the state here and find other valuable information about wildfire prevention.
In case you missed my last blog post, it was an info-graphic on How to Survive a House Fire. Check it out.
Author Richard Morris
Richard Morris, an independent insurance agent in Chandler, Arizona, has been serving and helping Arizona families and businesses with all their insurance needs for over 23 years. Visit his website at http://www.southwestpremierinsuranceagency.com to see all the ways he can help you with your insurance needs or call the office at (480) 336-2707 or toll free at (888) 907-9349. Connect with Rich on Google+ and Twitter.