The latest data from the National Interagency Fire Center shows that wildfire activity was present across 12 states as of July 27, with significant parts of Idaho, California, Oregon, Washington, Montana and Arizona being among the most affected areas. So far this year, the fires have destroyed some 1.5 million acres of land nationwide. Oregon is currently dealing with the Bootleg Fire, one of the most devastating blazes in the state’s history. The fire has already forced some 2,000 people to abandon their homes, while at least 150 homes and buildings have been destroyed.
As climate change is making areas hotter and increasing droughts are producing more “fuel” (a term for easily ignitable debris) for fires, the presence of wildfires shifts from being a possibility to a certainty. California’s past 12 months have been the driest on record, according to the National Centers for Environmental Information, creating the perfect terrain for massive fires.
While forecasters can and do warnings when conditions are ripe for fires to begin, wildfires are hard to predict since the majority of them are triggered by human activity. This means that for people living in at-risk states, an evacuation order might be sent when least expected.
Preparing for wildfire season
Losing most or all possessions in a fire can be one of the worst experiences one can go through, both as a homeowner or a renter. Fortunately, both homeowners and tenants can take precautions to minimize the aftermath of these disasters.
The insurance the landlord takes out mainly covers fire damages involving the structure, electrical system, plumbing and provided appliances. Community managers should make sure the gutters and roofs are clean, the landscaping is maintained, as well as remove any firewood, wicker furniture or anything flammable from around the property that could catch fire easily.
For renters, the insurance could offer a small sense of control in a difficult situation. The policy could cover renters for the loss of furniture, electronics, clothing or other personal belongings in the home. In case of an evacuation, small possessions can be taken out, but costly electronics or one-of-a kind furniture pieces might have to be left behind. Also, the policy could cover theft or vandalism in the event of looting after the fires have died down. Additionally, having an insurance policy can cover the costs of relocation if the damage is so severe that the rental unit becomes too damaged to be safe to live in.
One of the most important steps renters should take as soon as possible is to evaluate and catalogue their valuables to make sure the insurance policy covers them all. Renters should also get familiar with the correct steps they have to take with their insurance company in case of a fire emergency.
