Fire Season and Your Insurance
This time of year, dry conditions can quickly lead to out-of-control grass or forest fires. Buildings, fences, and homes can be damaged in a short amount of time with little warning – not to mention the threat to people and animals. Before something happens, check your insurance. Are all your buildings insured? Do you have any major belongings – a boat, a tractor, etc., that don’t have insurance on them? When a wildfire is burning nearby (even miles away!), insurance companies often don’t allow us to add coverage until the danger of fire has passed. It is better to review your coverage now before a fire happens.
A note on fire bans: This spring, most of the local municipalities have issued a ban making it illegal to burn. The restrictions vary from area to area. If you start a fire contrary to the fire ban, and it spreads and causes damage to someone else’s property, you may be held responsible for the damage. Normally, your personal liability would cover your error, however, during a fire ban, it does not extend because burning is illegal. Shouldering your own liability charges can be devastating. It is better just to not burn!