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A home on fire during the CZU Lightning Complex wildfire in California.
Fire

California’s Wildfire Challenge: Safeguarding Homes

How Can I Protect My Home from California Wildfires? A crucial aspect of safeguarding a home from wildfire involves focusing on the defensible space surrounding it by mastering the Home Ignition Zone. The Home Ignition Zone spans from the exterior walls of your house to five feet beyond the building, it’s where embers can accumulate and pose a significant risk of ignition. To fortify your property against wildfires, follow these key fire mitigation guidelines: Vegetation Management Ensure that no vegetation, including trees, shrubs, bushes, plants, grass, and weeds, are present within the Home Ignition Zone. Remove any overhanging limbs or branches from nearby trees or bushes. While ideally having no vegetation in this area is best, consider incorporating limited use of wildfire-resistant plants to minimize risk. Noncombustible Hardscaping Surround your home with noncombustible hardscape materials like concrete, gravel, or paving stones instead of flammable mulch, and consider creating firebreaks to prevent the rapid spread of fire. Keep this area clear of debris to reduce fire hazards. While bare soil is also considered noncombustible, it may require more maintenance to prevent weed and grass growth. Remove Combustible Items Eliminate combustible objects such as wooden and plastic furniture, firewood, and trash cans from the Home Ignition Zone. These items can act as fuel sources for wildfires and increase the vulnerability of your home. Vehicle Placement Park boats, RVs, trailers, or any other vehicles away from the immediate vicinity of your home. Placing them elsewhere can reduce the potential fire risk they pose. Noncombustible Structures Consider replacing combustible pergolas, gazebos, curtains, drapes, or screens with noncombustible alternatives made of metal. This substitution further bolsters your property’s resistance to ignition. Harden Your Home Retrofitting your home with fire-resistant materials is a crucial step in minimizing the potential damage from wildfires. The use of fire-resistant roofing, siding, fencing, and windows can significantly increase the chances of your home surviving a nearby wildfire. Securing Your Vents During a wildfire, flying embers pose a significant threat to your home’s safety. Embers can find their way into your living spaces through vents in the attic, roof, gables, and crawlspace. Ensure that all vents are equipped with a metal screen with a mesh size of 1/8 inch or finer. This screen acts as a barrier, preventing embers from infiltrating and potentially igniting your home.  Periodically inspect and maintain the vent screens. Remove any accumulated debris, bird nests, or other obstructions that could compromise their effectiveness. Install Fire Suppression Systems Consider investing in fire sprinklers and fire suppression systems for your home. These systems can help contain a fire before it engulfs your property entirely. Stay Informed and Prepared Keep yourself up to date with the latest wildfire alerts and evacuation orders in your area. Create an emergency plan with your family, and practice evacuation drills to ensure everyone knows what to do in case of a wildfire threat. Additionally, fostering community collaboration can create a network of support that helps protect entire neighborhoods from the devastating impacts of wildfires. As California faces its wildfire challenge, we want to ensure homeowners are empowered to rise to the occasion and protect what matters most – their homes and loved ones. Contact us today at Coast to Canyon Insurance to see how we can help.

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Fire burning a mountainside of trees at night
Fire

10 Things To Know About The Dixie Fire

The Dixie Fire has been raging throughout the Northern California region for the past few weeks. The fire marks the latest disaster in what has been California’s worst year for fires on record (and we still haven’t entered the months that are typically considered “fire season”). Here are ten key facts you should know about the Dixie Fire, per the New York Times, CNN, and SFGate. The Dixie Fire has burned more than 430,000 acres 432,813 acres — an area 3.5 times the size of Lake Tahoe. The fire is impacting the same regions that were affected by the horrific 2018 Camp Fire, which decimated the town of Paradise, California and killed 86 people. Nearly 5,000 people live within five miles of the Dixie Fire. A blown fuse on one of the utility poles at Pacific Gas & Electric might have caused the fire. PG&E was also responsible for the Camp Fire, and pleaded guilty to 84 counts of involuntary manslaughter as a result.  The fire is already the 3rd-largest on record in California’s history. 100 structures have been destroyed by the fire, with over 10,000 more threatened. No deaths have been reported as a result of the fire. More than 5,400 firefighters have been combatting the Dixie fire. Rick Carhart, and spokesperson Cal Fire, says he normally wouldn’t expect a fire of this magnitude until September. “We’re all kind of learning that fire season isn’t a three-month or six-month thing anymore,” he said to the Times.  As of Friday, August 6, 2021, the fire is 35% contained.

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Person in a jacket and beanie standing in front of a raging fire at night.
Fire

Four Things To Know About California’s 2021 Wildfire Season

Here are four facts you should know as we once again battle California wildfire season: • 41 of 58 of California’s counties are in a state of drought emergency as the state continues to fall deeper into drought. This means more dry land, and potential for more wildfires.• Fire season has already begun. There have already been nearly 2,800 wildfires, with nearly 16,000 acres burned since the first of the year. This is an extremely early start for fire season, as less than 2,400 acres had burned by this time last year. Experts believe that as temperatures continue to rise and droughts sustain, parts of California will be in fire season year-round.• Cal Fire has hired nearly 1,400 new seasonal firefighters to combat the increased demand. Governor Gavin Newsom is proposing an additional $38.9 million to staff current and additional Cal Fire crews.• Newsom also proposed an additional $2 billion to combat the fires this year, which would be the largest wildfire budget ever proposed by a governor, saying “Climate change has created a new wildfire reality in California.” Read more about what to expect and things you should know as we head into warmer months here: https://patch.com/california/woodlandhills/s/hl8w7/4-key-things-to-know-about-cas-2021-wildfire-season

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An animation of a cornucopia.
Fire

4 Thanksgiving fire safety tips

It’s the holiday season, there’s some snow, or ice, or rain, or it’s just plain ol’ cold outside and you’re sitting comfy in your home.  You’re snuggled up in a nice soft blanket and sipping on some hot coco. After all, it’s cold outside.  The last thing on your mind is a fire starting inside or outside your home.  Unfortunately, fire safety doesn’t take any time off during the holidays.  Here’s some quick tips to help you prevent a fire during this holiday season! If you’re planning on starting up that fireplace, you’re going to need to take a few steps before you light it up.  First, if your fireplace has glass doors, open them up about 20 minutes before you light it up.  With the doors open, the air can warm up and begin to draft upwards.  Second, check the draft using a match.  If air is going down your flue you should NOT start your fire.  Decorations are flammable.  Shocking, I know.  So, before you plug in anything, be sure there aren’t any flays in the cords, and that they’re not next to a space heater or stove top.  Double check that space heater.  Space heaters generally need to be about 3 feet away from anything that could be flammable.  This includes your furniture, rugs, bedding, couch, chairs, pretty much anything.  Also, don’t plug it into a power strip or extension cord; if you have to, ensure that the cord is properly rated and sized for your heater.  Did you buy a deep fryer for your turkey this year?  If so, you’re going to need to go through a pretty hefty checklist to make sure you’re not going to start a fire, or hurt yourself.  Butterball has a pretty great guide on this.    Even though a home fire may seem out of the possibility, that it could never happen to you, it is always important to be both vigilant and prepared.

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Emergency Checklist
Fire

How to be Disaster Ready

Being properly prepared for a disaster is easier than you may think.  Forward thinking and preparation can change how a disaster affects you and your loved ones.  It may be impossible to prevent a disaster, but you can make sure you are prepared for when it happens.  To do this, you need a plan and an emergency kit.   First off, the plan.  The type of plan, its steps, and how you aim to accomplish it is going to depend heavily on your living situation, your family, and the types of disasters that may be common for where you live.  So, lets go over some basics. 1.  Discuss with your household how you want to respond to the types of emergencies that are most common in your area.  For Californians, you may want to take a look at fire, earthquake, and flooding. 2. This planning it important for more than just your home.  Your plan should be inclusive for how to handle an emergency weather you are at work, school, or having some fun.  Start your plan off with responsibilities for each member of your household.  These responsibilities could be grabbing a certain item if they are at home, or they are in charge of contacting or organizing.  Work as a team. 3. PRACTICE.  A plan is no good if no one remembers it during the disaster, or are unclear on any portion.  Do a practice run, or three, and ensure that everyone knows their responsibilities! Now, you have a plan.  Or… at least a plan to create a plan.  Next, you’re going to need a set of supplies.  A disaster supply kit, emergency kit, or bug out bag should contain everything you may need during an emergency.  Here’s an easy checklist to get your supplies ready to go.

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Gingerbread cookies sitting on top of a wooden table.
Fire

4 Easy Tips for Christmas Fire Safety

What You Need to Know About Christmas Fire Safety It’s an uncomfortable thing to think about, but a fire in your home is a real possibility.  During the holidays there may be a new fire risk coming into play as well, a Christmas tree.  Although Christmas tree fires are not common, they can be especially dangerous.  According to FEMA one out of every 31 reported home Christmas tree fires results in a death, compared to an average of one death per 144 total reported home fires. So, what can you do to help prevent this? Take a look at your heat sources.  A heat source too close to your tree is the cause of a quarter of tree fires.  If you have a space heater, you’re going to need to get it at least three feet away from not only your tree, but your furniture and rugs as well. Keep a close eye on your candles.  Or, alternatively, skip the candles and go with LED lights or some neat electric lanterns.  It may seem like common sense to double check candles, since it’s actually a fire you are starting in your home, but it’s easy to forget about them. Keep your tree well-watered, and get rid of it before it dries out.  Typically, a healthy and well-watered tree will have a very difficult time catching on fire.  However, a dry tree is a huge fire risk.  So, if you’re a procrastinator and usually just leave the tree up until you get sick of it sometime in February,, or March… make sure it’s still alive, well-watered, or just get rid of it already. Take a look at your ornaments, some of them may be flammable.  It’s important that you use only nonflammable decorations. Be safe this holiday season.  Even if you aren’t celebrating with a living tree in your home, take a moment to really understand where fire risks are coming from.  These tips may just save you from a holiday disaster.

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Animation of trees with a large amount of smoke in the background.
Fire

4 easy steps to self-inspect your home for fire risk

According to Cal Fire there have been over 6,000 wildfires reported in just 2017 alone.  These fires have burned 556,000 Acres of land all throughout California.  With this mass of wildfires burning in our backyards Californians are worried about their homes.  Inspecting your home to determine fire risk is much easier than you may think.  With this article we will show you an easy 4 step process that will allow you to submit the information that insurance agencies need to determine if they are able to insure you.  This process will also allow you to identify areas in which your property could be improved to be more fire resistant. Self-inspection is easy!  With these simple steps you have been set on track to make sure your home is better protected!  Remember, it doesn’t matter how near your home is to a fire hydrant, or even the number of fire stations in close proximity.  Even under ideal conditions and extremely fast response time by our amazing firefighters you home may still be classified as a High Brush Zone or Hazard Area. Friends don’t let friends have the CA Fair PlanClick Here After you self-inspect your home the next step is finding an insurance plan that works best for you.  Homeowners that have been classified as high risk may believe that the CA Fair Plan is their only option, and in the past it has been.  However, specialized agents such as Lisa Feldman are certified to offer specialized plans to high risk homeowners.

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