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Impacted by California wildfires? Whether you have a business that's been affected or your personal home and assets are damaged, know that you have a team of people to support you. Find resources here.

January 9, 2025

Extinguish Wildfire Flames

Risk mitigation, preparedness, and evacuation measures

Summary

  • If you live in a zone prone to wildfires, being prepared and staying aware of your surroundings is key to you and your family’s safety. 
  • After a wildfire is declared, if time safely allows, document your home, prepare your property, charge your devices, and plan your evacuation route. 
  • You should keep track of all expenses related to you and your family’s wildfire evacuation. 
  • Our experienced support team of claims advocacy specialists and risk advisors are standing by to help, before, during, and after a wildfire. We are here to help support you and ensure the value of your property and assets are adequately protected.

When a wildfire is approaching your area, it's essential to stay calm and take quick action to protect yourself and your loved ones. Our experienced team is here to help you, every step of the way. Below are our recommendations before, during, and after a wildfire event.

Immediate actions:

Preparing your home in advance of a wildfire

(If time allows and you are not under evacuation orders, these next steps will help you ready your home, documents, and assets)

Stay informed: Monitor local news, emergency alerts and apps like WatchDuty for timely updates on the progress of the wildfire and for evacuation orders (local radio, NOAA, etc.). Follow Marsh McLennan Agency’s social media channels (LinkedInFacebookX (Twitter)) and check your email inbox for tips.

Assess your surroundings: Look for signs of smoke or flames in your neighborhood, and check wind direction to gauge whether the fire is moving toward or away from your home.

Document your home and property (if time allows): If there is time to do so safely and you are not under immediate evacuation orders, document your home, assets, and property. Take photographs or videos of each room in your home and the outside of your property.

Prepare for evacuation: Have your evacuation kit ready, including essentials like water, medications, identification, important documents, and a phone charger. 

  • Close windows and doors: Seal all windows and doors tightly to prevent smoke from entering your home.
  • Turn off HVAC systems: Shut off any air conditioning or ventilation systems that draw in outside air, which could bring smoke inside.
  • Move pets indoors: Bring pets inside and ensure they are safe and calm. Plan for your pets to stay with family or friends out of the area.
  • Plan for your collections: If you have passion collections, such as fine art or other materials, consider taking them with you. Or, if time allows work with our fine art experts to arrange transport of your collection to a safe location.
  • Locate fire extinguishers: Ensure fire extinguishers are easily accessible, fully functional, and fully charged.

Protecting your home:

  • Create defensible space: If you have time, clear dry brush, leaves, and other flammable materials from around your home. Our team of risk mitigation specialist can advise clients in advance of a wildfire on best practices for hardening a property in the event of a wildfire.
  • Move flammable items: Relocate patio furniture, firewood, and other combustibles away from your house.
  • Turn on exterior lights: If the fire gets close, having lights on may help you see in the smoke or darkness.
  • Soak outdoor areas: Use a hose or sprinkler system to wet down the grass and any combustible surfaces around your home.
  • Close all vents and openings: Cover chimmneys, vents, and windows with non-flammable materials if possible.

Evacuation preparedness:

Leaving safely 

Pack an emergency kit: Include essentials like:

  • Non-perishable food and water for 72 hours
  • Flashlight and batteries
  • Extra clothes and blankets
  • First-aid kit
  • Personal hygiene items
  • Prescription medications and medical supplies
  • Maps and local emergency contact numbers

Charge devices: Fully charge your phone and other critical electronic devices, as power outages may occur. Fully charged portable power banks are also helpful to have on hand. 

Know your evacuation routes: Familiarize yourself with at least two routes out of your area in case one is blocked.

Plan transportation: Make sure your vehicle is fueled or charged and ready to go or arrange alternate transportation.

Tips for evacuating safely

  • Leave early: If you receive an evacuation order or feel the fire is getting too close, leave immediately. Don't wait for last-minute warnings.
  • Drive with caution: Smoke and reduced visibility can make driving hazardous. If you encounter low visibility, drive with caution.
  • Avoid congested roads: Follow local authorities' instructions to determine the best routes for swift evacuation.

After leaving your home: 

Contact your client advisor: After you’ve safely evacuated, reach out to your client advisor who will help you understand the coverages available to you under your insurance policy. Your client advisor will help you determine the best time to notify the insurance carrier of an actual claim or potential claim. Our team of professionals are here to support you throughout the entire process so you can focus on what matters most to you.

Stay away from danger zones: Don’t return home until authorities declare it is safe to do so.

Check for updates: Continue to monitor news and emergency alerts for information about re-entry or shelter availability.

Keep track of additional expenses: File and track expenses, such as the cost for lodging, while you are unable to return to your home in the wildfire or burn zone.

Other considerations:

Stay with family or friends: If you need a safe place to stay, go to a designated evacuation shelter or stay with someone who lives farther from the fire.

Avoid using phones for non-emergency purposes: Keep communication lines open for emergency calls.

Be aware of smoke: Even if you are not in the immediate path of the fire, smoke can be hazardous. Limit outdoor activities and stay indoors if the air quality is poor.

Work with an experienced broker

Value of working with an experienced broker before, during and after a wildfire:

We are here to support you. Marsh McLennan Agency Private Client Services has a dedicated support team of client advisors, claims advocacy specialists and risk advisors standing by who can help you through the entire claims process with your insurance carrier.

We help you understand coverages available to you and will pair you with personal claims advocates and risk advisors.

Additionally, we advocate for you with the carrier to help you access the full benefit of your policy for a covered loss.

Our team will work with you to find important documentation, photos or videos of your home that can be used in the claims process if you must leave rapidly.

By taking these steps, you can help ensure your safety and the safety of those around you. The most important thing is that you, your family, pets, and loved ones are safe. Let our team of experienced professionals do what we do best: protect the value of your home and assets.

Schedule an insurance review with an experienced Personal Risk Advisor to ensure you have the proper insurance protection before the next wildfire.

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