California Wildfires – A Call to Action!

Be prepared or risk getting burned

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2007 Wildfire Summary:

22,700 claims received

2,100+ homes destroyed

$1.6 billion in insured losses

500,000 people evacuated

2003 Wildfire Summary:

19,100 claims received

3,600+ homes destroyed

$2.2 billion in insured losses

50,000 people evacuated

Southern California Wildfires – Comparison 2007 v. 2003

Source: Insurance Information Network of California

3– Liberty Mutual Proprietary Trade Secret –Pacific Region

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Prevention & Mitigation

Evacuation Plans

After the Fire

Insurance Coverage

Claims Process

Wildfire Overview

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Wildfire - Prevention & Mitigation

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Create 100’ of Defensible Space Fire Resistant Landscaping Irrigate Landscaping Remove Debris from Roof and Gutters Rake Leaves, Dead Limbs and Twigs Clear Branches Near Power Lines Mow Grass Regularly Remove Vines from Walls of Home Install ¼” Mesh Screens over Openings to Attic and Crawl Spaces Inspect and Clean Chimneys Annually Add Spark Arrester to Chimneys and Stovepipes Use Fire Resistant Materials on Roof and Exterior of Home

• Or treat combustible materials with UL-approved fire retardant chemicals

Wildfire - Prevention & Mitigation

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Wildfire – Evacuation Plans

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Plan Evacuation Route and Destination• Have an alternate back-up plan

Establish Remote Family Contact Person Create Emergency Supplies Kit

• First aid supplies & medications

• Battery operated radio

• Flashlight and extra batteries

• Cash, credit card or travelers checks

• 3 day supply of water & non-perishable food

• One change of clothing and shoes

• Sleeping bag or blanket for each person

• Store in easy to carry containers (back-pack, duffle bag, etc.)

Disconnect Automatic Garage Door Openers Wear Protective Clothing If you Have Time, Take Steps to Protect your Home Evacuate Immediately when Advised to do so

Wildfire – Evacuation Plans

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If you Have Time, Take Steps to Protect your Home• Turn off gas at meter

• Turn off pilot lights

• Turn on interior lights to make home more visible in heavy smoke

• Close windows and doors

• Close fireplace screens

• Turn off propane tanks

• Connect long garden hose to outside tap

• Wet or remove shrubs within 15 feet of home

• Place lawn sprinkler on roof and/or near above ground fuel tanks and turn on

• Place combustible patio furniture inside

Evacuate Immediately when Advised to do so

Wildfire – Evacuation Plans (continued)

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If You Are Caught in a Wildfire• Get to a fire-proof place if possible

1st Choice: Get into water – swimming pool, pond, river, swamp, etc. 2nd Choice: Lie flat near rock or concrete

• Cover head and upper body with wet fabric or soil

• Breathe air close to ground through a wet cloth to prevent smoke inhalation

Wildfire – Evacuation Plans (continued)

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After the Fire

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Watch for Hot Spots Check the Roof for any Sparks or Embers Check the Attic or Crawl Space for any Hidden Embers or Sparks Photograph and Inventory any Damaged Property

• Do not dispose of any damaged items until checking with your insurance adjuster

Immediately Report any Damage to your Insurance Company

After the Fire

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Insurance Coverage

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Do You Have Enough Coverage to Replace Your Home & Possessions?• Review Coverage Limits Annually with Sales Representative

• Compare Amount of Insurance per Square Foot v. Local Cost of Construction

Timely Report Any Additions/Remodeling to Home

Unusual or Significant Out Structures?

Do You Need Scheduled Items Coverage?

Replacement Cost v. Actual Cash Value

Civil Authority Evacuation Coverage• Usually for 2 weeks - save your receipts to document additional expenses incurred

Photo/Video Inventory of Home and Personal Property

Insurance Coverage

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Claims Process

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Confirm Available Coverage Limits Insurance Adjuster Role Documentation Needed

• Photo/Video Inventory

• Architectural or Construction Plans, Floor Plan

• Recorded Interview

Decision – Rebuild or Purchase New Home Elsewhere? Contractor Selection Construction Process

• Debris Removal

• Permits

• Code Upgrades

• Mortgagee Involvement

Personal Property Claim• Contents Replacement Service

Temporary Housing Liberty Mutual Customer Care Team

Claims Process

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ANY QUESTIONS ?