By Oklahoma Insurance Commissioner Glen Mulready
In my last column, I explained how flood insurance works and why it’s critical to think about adding it to your lineup of protection when it comes to your insurance considerations. Oklahomans know how extreme our weather can be, pivoting from hot to cold, wet to dry, and everything in between. This month, I want to talk about another weather threat we often face in our state: wildfires.
Before a fire strikes, you must know what is in your insurance policy and coverages. You can find this information on your declarations page attached to your policy. The Oklahoma Insurance Department (OID) has a guide on our website explaining how to read your declarations page. Some policies have a specific wildfire deductible, so it’s essential you check with your insurer to avoid any surprises in the event of wildfire damage. Homeowners policies usually do not cover fire damage to vehicles. Your auto insurance policy should cover that if you have comprehensive coverage.
Another critical action to take before a fire is to create your home inventory. I often speak on the importance of creating a home inventory before any disaster, and that is because of how much time and hassle it’ll save you, especially in the event of a total loss. Go through your home, take numerous photos and videos of your belongings, and write down exactly what they are. Document the serial numbers and product codes on your electronics and appliances. The National Association of Insurance Commissioners (NAIC) provides a free home inventory mobile application, making this process even more accessible and convenient. For our folks who prefer a physical inventory, don’t forget to grab our free home inventory guide at oid.ok.gov.
Your pre-fire plans should continue beyond reviewing your insurance coverage and documenting your property. Did you know there are simple things you can do to help mitigate your home’s fire risk? The Insurance Institute for Business & Home Safety (IBHS) provides a comprehensive guide to preparing your home for wildfires. To summarize, you will want to clear your roof and gutters of any flammable debris and materials, install flame-resistant fixtures, and create a defensible area around your house. The defensible area is a zone that extends at least five feet away from your home and is clear of vegetation, debris and combustible materials. You can extend your defensible zone by maintaining the yard, trimming trees and shrubs, and performing upkeep on any other structures on your property.
Oklahomans know all too well the old saying that if you don’t like the weather here, wait five minutes. Dry and warm weather creates a ripe environment for wildfires, but you can take some quick and simple actions to prepare you and your family. If you have any insurance questions, don’t hesitate to reach out to OID at 800-522-0071 or oid.ok.gov.
