Wildfire Season Has Sprung Early In Colorado

Wildfire season has begun early in Colorado. With one of the most dry winters in a long time, Colorado is extremely dry. The wildfire that started earlier this week in Jefferson County, has already claimed 2 lives and destroyed 23 homes.  The fire originally started as a controlled burn, until the wind picked up starting an uncontrollable blaze. In some reports, the fire was moving faster than a speeding car.

What Do I Do If My Home Is At Risk?

  1. Always listen to the local authorities.
  2. Make sure all family members are always accounted for at all times.
  3. Always be prepared. Have a “bug out vehicle(s)” ready. This way you can leave with in seconds. Have everything already packed ready to go. This can include important documents(including insurance info), family memorabilia, important computers and pictures. Most of all make sure you have enough food and water for 7 days. If not longer.
  4. Make sure everyone is the household has a “bug out” bag ready. This usually includes clothes, supplies, food and etc.
  5. Have communication ready for every family member. Cell phones can lose coverage. I recommend CB radios due to range. If not the walkie-talkies at your local retail store is better than nothing. Make sure to get the ones with the furthest range possible.
  6. Make sure to have a first aid kit with you. The more money you spend on one, the better.
  7. Make sure you have a final location(bug out) everyone knows about and can meet up at. This is in a case if you lose family member(s).
  8. Always make sure that non-immediate family knows your okay if you have to evacuate, or if something happens.
  9. Have an emergency weather radio.

From an insurance stand point, such things as making sure you have enough coverage should always be done before the fact. This can serve as a reminder to people in risk areas around the state to be prepared.

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Looks like Droughts are still ahead in Colorado: How to protect your Home from wildfires

We are above average in rainfall in Colorado but we could very easily slide back into a drought season in the mountains and plains.  When the burning sun pushes the temperature to over 100 degrees and it occurs day after day with little rainfall, chances are we are in for a drought.  So what causes a wildfire and how do we protect ourselves against such risks?  First of all, it is not only the trees that are a threat but it is the grass.  For instance, a grass fire can start blazing and move to the trees.  The trees, of which there are branches and leaves light up in a glow and we have a forest fire on our hands.

Other ways wildfires can occur are through careless “campfires” that are not watched or kept within the confines of a concrete slab or fire ring.  Just pure carelessness in general, such as throwing a cigarette butt on the ground or tossing a match can light up a grass fire resulting in an eventual forest fire.

The best policy is the DP3, it includes replacement cost on the dwelling, personal property coverage can be added with replacement cost, extended dwelling coverage can be added, and many more things.  This is specifically if it is seasonal dwelling.   If it is a primary dwelling, then one needs an Ho3.