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June 4, 2014 By Insurance News Editor

During & After a Wildfire

During

If advised to evacuate, do so immediately. Take your disaster supply kit, lock your home and choose a route away from the fire hazard. Watch for changes in the speed and direction of the fire and smoke. Tell someone when you left and where you are going.

If you see a wildfire and haven’t received evacuation orders yet, call 9-1-1. Don’t assume that someone else has already called. Describe the location of the fire, speak slowly and clearly, and answer any questions asked by the dispatcher.

If you are not ordered to evacuate, and have time to prepare your home, FEMA recommends you take the following actions:

Arrange temporary housing at a friend or relative’s home outside the threatened area in case you need to evacuate.

Wear protective clothing when outside – sturdy shoes, cotton or woolen clothes, long pants, a long-sleeved shirt, gloves and a handkerchief to protect your face.

Gather fire tools such as a rake, axe, handsaw or chainsaw, bucket and shovel.

Close outside attic, eaves and basement vents, windows, doors, pet doors, etc. Remove flammable drapes and curtains. Close all shutters, blinds or heavy non-combustible window coverings to reduce radiant heat.

Close all doors inside the house to prevent draft. Open the damper on your fireplace, but close the fireplace screen.

Shut off any natural gas, propane or fuel oil supplies at the source.

Connect garden hoses to outdoor water faucet and fill any pools, hot tubs, garbage cans, tubs or other large containers with water.

Place lawn sprinklers on the roof and near above-ground fuel tanks. Leave sprinklers on and dowsing these structures as long as possible. Be mindful of water use restrictions for areas affected by wildfires.

If you have gas-powered pumps for water, make sure they are fueled and ready.

Place a ladder against the house in clear view.

Disconnect any automatic garage door openers so that doors can still be opened by hand if the power goes out. Close all garage doors.

Place valuable papers, mementos and anything “you can’t live without” inside the car in the garage, ready for quick departure. Any pets still with you should also be put in the car.

Place valuables that will not be damaged by water in a pool or pond.

Move flammable furniture into the center of the residence away from the windows and sliding-glass doors.

Turn on outside lights and leave a light on in every room to make the house more visible in heavy smoke.

Surviving a Wildfire: Survival in a Vehicle

This is dangerous and should only be done in an emergency, but you can survive the firestorm if you stay in your car. It is much less dangerous than trying to run from a fire on foot.

Roll up windows and close air vents. Drive slowly with headlights on. Watch for other vehicles and pedestrians. Do not drive through heavy smoke.

If you have to stop, park away from the heaviest trees and brush. Turn headlights on and ignition off. Roll up windows and close air vents.

Get on the floor and cover up with a blanket or coat.

Stay in the vehicle until the main fire passes.

Stay in the car. Do not run! Engine may stall and not restart. Air currents may rock the car. Some smoke and sparks may enter the vehicle. Temperature inside will increase. Metal gas tanks and containers rarely explode.

If You Are Trapped at Home

If you do find yourself trapped by wildfire inside your home, stay inside and away from outside walls. Close doors, but leave them unlocked. Keep your entire family together and remain calm.

If Caught in the Open

The best temporary shelter is in a sparse fuel area. On a steep mountainside, the back side is safer. Avoid canyons, natural “chimneys” and saddles.

If a road is nearby, lie face down along the road cut or in the ditch on the uphill side. Cover yourself with anything that will shield you from the fire’s heat.

If hiking in the back country, seek a depression with sparse fuel. Clear fuel away from the area while the fire is approaching and then lie face down in the depression and cover yourself. Stay down until after the fire passes!

After

The following are guidelines for different circumstances in the period following a fire:

  • Go to a designated public shelter if you have been told to evacuate or you feel it is unsafe to remain in your home. Text SHELTER + your ZIP code to 43362 (4FEMA) to find the nearest shelter in your area (example: shelter 12345).
  • If you are with burn victims, or are a burn victim yourself, call 9-1-1 or seek help immediately; cool and cover burns to reduce chance of further injury or infection.
  • If you remained at home, check the roof immediately after the fire danger has passed. Put out any roof fires, sparks or embers. Check the attic for hidden burning sparks.
  • For several hours after the fire, maintain a “fire watch.” Re-check for smoke and sparks throughout the house.
  • If you have evacuated, do not enter your home until fire officials say it is safe.
  • If a building inspector has placed a color-coded sign on the home, do not enter it until you get more information, advice and instructions about what the sign means and whether it is safe to enter your home.
  • If you must leave your home because a building inspector says the building is unsafe, ask someone you trust to watch the property during your absence.
  • Use caution when entering burned areas as hazards may still exist, including hot spots, which can flare up without warning.
  • If you detect heat or smoke when entering a damaged building, evacuate immediately.
  • If you have a safe or strong box, do not try to open it. It can hold intense heat for several hours. If the door is opened before the box has cooled, the contents could burst into flames.
  • Avoid damaged or fallen power lines, poles and downed wires.
  • Watch for ash pits and mark them for safety—warn family and neighbors to keep clear of the pits also.
  • Watch animals closely and keep them under your direct control. Hidden embers and hot spots could burn your pets’ paws or hooves.
  • Follow public health guidance on safe cleanup of fire ash and safe use of masks.
  • Wet debris down to minimize breathing dust particles.
  • Wear leather gloves and heavy soled shoes to protect hands and feet.
  • Cleaning products, paint, batteries and damaged fuel containers need to be disposed of properly to avoid risk.
  • Discard any food that has been exposed to heat, smoke or soot.
  • Do NOT use water that you think may be contaminated to wash dishes, brush teeth, prepare food, wash hands, make ice or make baby formula.
  • Remain calm. Pace yourself. You may find yourself in the position of taking charge of other people. Listen carefully to what people are telling you, and deal patiently with urgent situations first.

Hazards After Wildfires: Flood and Landslides

You may be at an even greater risk of flooding due to recent wildfires that have burned across the region. Large-scale wildfires dramatically alter the terrain and ground conditions. Normally, vegetation absorbs rainfall, reducing runoff. However, wildfires leave the ground charred, barren, and unable to absorb water, creating conditions ripe for flash flooding and mudflow. Flood risk remains significantly higher until vegetation is restored—up to 5 years after a wildfire.

Flooding after fire is often more severe, as debris and ash left from the fire can form mudflows. As rainwater moves across charred and denuded ground, it can also pick up soil and sediment and carry it in a stream of floodwaters. These mudflows can cause significant damage.

Source: FEMA Ready, “Wildfires” http://www.ready.gov. Accessed March 2020 http://www.ready.gov/wildfires

© Copyright 2020. All rights reserved. This content is strictly for informational purposes and although experts have prepared it, the reader should not substitute this information for professional insurance advice. If you have any questions, please consult your insurance professional before acting on any information presented. Read more.

Filed Under: Home, Personal, Personal Protection, Theme 19

June 4, 2014 By Insurance News Editor

Before A Wildfire

Wildfires can ruin homes and cause injuries or death to people and animals. A wildfire is an unplanned fire that burns in a natural area such as a forest, grassland, or prairie. Wildfires can:

  • Often be caused by humans or lightning.
  • Cause flooding or disrupt transportation, gas, power, and communications.
  • Happen anywhere, anytime. Risk increases with in periods of little rain and high winds.
  • Cost the Federal Government billions of dollars each year.

IF YOU ARE UNDER A WILDFIRE WARNING, GET TO SAFETY RIGHT AWAY

  • Leave if told to do so.
  • If trapped, call 9-1-1.
  • Listen for emergency information and alerts.
  • Use N95 masks to keep particles out of the air you breathe.

HOW TO STAY SAFE WHEN A WILDFIRE THREATENS

WHAT TO DO NOW: Prepare

  • Sign up for your community’s warning system. The Emergency Alert System (EAS) and National Oceanic and Atmospheric Administration (NOAA) Weather Radio also provide emergency alerts.
  • Know your community’s evacuation plans and find several ways to leave the area. Drive the evacuation routes and find shelter locations. Have a plan for pets and livestock.
  • Gather emergency supplies, including N95 respirator masks that filter out particles in the air you breathe. Keep in mind each person’s specific needs, including and updated asthma action plan and medication. Don’t forget the needs of pets.
  • Designate a room that can be closed off from outside air. Close all doors and windows. Set up a portable air cleaner to keep indoor pollution levels low when smoky conditions exist.
  • Keep important documents in a fireproof, safe place. Create password-protected digital copies.
  • Use fire-resistant materials to build, renovate, or make repairs.
  • Find an outdoor water source with a hose that can reach any area of your property.
  • Create a fire-resistant zone that is free of leaves, debris, or flammable materials for at least 30 feet from your home.
  • Review insurance coverage to make sure it is enough to replace your property.
  • Pay attention to air quality alerts.

Shareables

  • Wildfire Safety Social Media Toolkit (link)
  • Wildfire Information Sheet (PDF)
  • Cloud of Smoke (video)
  • Fires and Your Health (link)
  • Fires Current Conditions (link)
  • When the fire starts (video)
  • United States Fire Administration (link)
  • Smokey Bear (link)
  • United States Forest Service (link)
  • American Red Cross (link)
  • Wildfire Banners and Web Badges (link)
  • NFPA’s Firewise USA (link)
  • Fire Adapted Community (link)
  • How to Prepare for a Wildfire (PDF)
  • Wildfire Playbook (PDF)
  • Flood After Fire: The Increased Risk
  • Answers to Questions about Flood Insurance
  • Understanding Mudflow and the NFIP

Source: FEMA Ready, “Wildfires” http://www.ready.gov. Accessed March 2020 http://www.ready.gov/wildfires

© Copyright 2020. All rights reserved. This content is strictly for informational purposes and although experts have prepared it, the reader should not substitute this information for professional insurance advice. If you have any questions, please consult your insurance professional before acting on any information presented. Read more.

Filed Under: Home, Personal, Personal Protection, Theme 19

June 4, 2014 By Insurance News Editor

Wildfires

Wildfires can ruin homes and cause injuries or death to people and animals. A wildfire is an unplanned fire that burns in a natural area such as a forest, grassland, or prairie. Wildfires can:

  • Often be caused by humans or lightning.
  • Cause flooding or disrupt transportation, gas, power, and communications.
  • Happen anywhere, anytime. Risk increases with in periods of little rain and high winds.
  • Cost the Federal Government billions of dollars each year.

IF YOU ARE UNDER A WILDFIRE WARNING, GET TO SAFETY RIGHT AWAY

  • Leave if told to do so.
  • If trapped, call 9-1-1.
  • Listen for emergency information and alerts.
  • Use N95 masks to keep particles out of the air you breathe.

HOW TO STAY SAFE WHEN A WILDFIRE THREATENS

Prepare NOW

  • Sign up for your community’s warning system. The Emergency Alert System (EAS) and National Oceanic and Atmospheric Administration (NOAA) Weather Radio also provide emergency alerts.
  • Know your community’s evacuation plans and find several ways to leave the area. Drive the evacuation routes and find shelter locations. Have a plan for pets and livestock.
  • Gather emergency supplies, including N95 respirator masks that filter out particles in the air you breathe. Keep in mind each person’s specific needs, including and updated asthma action plan and medication. Don’t forget the needs of pets.
  • Designate a room that can be closed off from outside air. Close all doors and windows. Set up a portable air cleaner to keep indoor pollution levels low when smoky conditions exist.
  • Keep important documents in a fireproof, safe place. Create password-protected digital copies.
  • Use fire-resistant materials to build, renovate, or make repairs.
  • Find an outdoor water source with a hose that can reach any area of your property.
  • Create a fire-resistant zone that is free of leaves, debris, or flammable materials for at least 30 feet from your home.
  • Review insurance coverage to make sure it is enough to replace your property.
  • Pay attention to air quality alerts.

Survive DURING

  • Evacuate immediately if authorities tell you to do so.
  • If trapped, then call 911 and give your location, but be aware that emergency response could be delayed or impossible. Turn on lights to help rescuers find you.
  • Listen to EAS, NOAA Weather Radio, or local alerting systems for current emergency information and instructions.
  • Use an N95 masks to keep harmful particles out of the air you breathe.
  • If you are not ordered to evacuate but smoky conditions exist, stay inside in a safe location or go to a community building where smoke levels are lower.

Be Safe AFTER

  • Listen to authorities to find out when it is safe to return, and whether water is safe to drink.
  • Avoid hot ash, charred trees, smoldering debris, and live embers. The ground may contain heat pockets that can burn you or spark another fire. Consider the danger to pets and livestock.
  • Send text messages or use social media to reach out to family and friends. Phone systems are often busy following a disaster. Make calls only in emergencies.
  • Wear a NIOSH certified-respirator dust mask and wet debris down to minimize breathing dust particles.
  • Document property damage with photographs. Conduct an inventory and contact your insurance company for assistance.
  • Wildfires dramatically change landscape and ground conditions, which can lead to increased risk of flooding due to heavy rains, flash flooding and mudflows. Flood risk remains significantly higher until vegetation is restored—up to 5 years after a wildfire. Consider purchasing flood insurance to protect the life you’ve built and to assure financial protection from future flooding.

Source: FEMA Ready, “Wildfires” http://www.ready.gov. March 2020 http://www.ready.gov/wildfires

© Copyright 2020. All rights reserved. This content is strictly for informational purposes and although experts have prepared it, the reader should not substitute this information for professional insurance advice. If you have any questions, please consult your insurance professional before acting on any information presented. Read more.

Filed Under: Home, Personal, Personal Protection, Theme 19

June 4, 2014 By Insurance News Editor

IN: How To Prepare For Brush Fire Season

Dear Valued Customer,

In this issue of “————-” we focus on preparing for Brush Fire Season.

Brush fires cause billion dollars in damage and destroy thousands of homes every year. The good news is that there are precautionary measures you can take to keep your family and home safe. Please read on to make sure you are prepared and to understand the steps you need to take before, during and after a fire, and much more.

We appreciate your continued business and look forward to serving you.

Kind regards,

Filed Under: Home, Personal, Personal Protection, Theme 19

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