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In many parts of the US, wildfire threatens homes and businesses alike. According to the Insurance Information Institute, about 9.8 million acres burned in the 2017 period, and 8,700 structures were destroyed in Northern California alone.
A structure can be threatened in three ways: direct exposure to flames, radiated heat, and airborne firebands. According to the National Fire Protection Association, airborne firebands, such as ember fall-out, account for the majority of structures affected by wildfire. Embers are burning pieces of airborne wood and/or vegetation that can be carried more than a mile via wind and can cause spot fires and ignite homes, debris and other objects.
Fire-Resistive Construction Techniques
The Insurance Information Institute states that when homes are fire resistant, not only are they less likely to burn but they also act as a fire break, potentially reducing the size of the fire and enabling it to be brought under control more easily. Whether building a new home or considering major renovations or a roof replacement, incorporating fire-resistive materials can help protect your home from wildfire.
James Milek is a Risk Consultant with Chubb Personal Risk Services.
The opinions and positions expressed are the authors’ own and not those of Chubb. The information and/ or data provided herein is for informational purposes only and is not a substitute for professional advice. Insurance coverage is subject to the language of the policies as issued.