The recent wildfires in Los Angeles have been nothing short of devastating. Families have lost their homes, memories have been reduced to ash, and entire communities are now faced with the monumental task of rebuilding. While we may be miles away here in New Hampshire, our hearts go out to those affected. It’s a stark reminder of how quickly disasters can strike and how important it is to ensure our own homes and properties are safe and well-protected against any calamity.
Although wildfires aren’t a common concern in New Hampshire, we’re no strangers to other challenges—from harsh winter storms to heavy rains that can lead to flooding. Here’s a guide to help you safeguard your property and ensure your insurance coverage is up to date for any unexpected event.
Step 1: Protect Your Property
Create Defensible Space. For those living near wooded areas, it’s a good idea to maintain a defensible space around your home. Clear away dead leaves, branches, and any flammable debris at least 30 feet from your house. This practice isn’t just for wildfires—it can also prevent other risks, like pest infestations.
Fortify Your Home. Invest in weather-resistant materials. If your roof or siding needs an upgrade, consider options like metal roofing or fiber cement, which hold up well against both fire and extreme weather. Seal any gaps in windows and doors to keep water, wind, or even small animals from sneaking in during a storm.
Mind Your Landscaping. Keep trees trimmed and ensure they’re not overhanging your roof or touching power lines. Opt for gravel or stone in areas close to your home rather than mulch, which can be flammable.
Tackle Winter-Specific Risks. Here in New Hampshire, snow and ice are significant concerns. Be proactive by:
- Insulating pipes to prevent freezing.
- Ensuring your roof can handle heavy snow loads.
- Cleaning out gutters before winter to avoid ice dams.
Step 2: Check Your Insurance Coverage
Know What’s Covered. Pull out your homeowner’s insurance policy and give it a thorough read. Does it cover natural disasters like floods or wind damage? What about coverage for temporary living expenses if your home becomes uninhabitable? If you’re not sure, call your insurance agent for clarity.
Consider Flood Insurance. Even if you don’t live in a designated floodplain, heavy rains can still cause flooding. Standard homeowner’s insurance policies usually don’t cover this, so you may need to purchase a separate policy.
Keep Your Coverage Up to Date. Have you recently renovated your home? Maybe added a deck or finished the basement? Be sure to update your insurance policy to reflect the current value of your property.
Inventory Your Belongings. In the event you need to file a claim, having an inventory of your belongings can make the process much smoother. Take photos, jot down serial numbers, and store this information in a safe place—either digitally or in a fireproof box.
Step 3: Prepare for the Unexpected
Have an Emergency Plan. Disasters don’t come with much warning, so it’s crucial to have a plan in place. Make sure everyone in your household knows what to do and where to go in case of an evacuation.
Assemble an Emergency Kit. Pack essentials like water, non-perishable food, flashlights, batteries, first aid supplies, and important documents. Keep this kit in an easily accessible location.
Stay Informed. Sign up for local alerts or weather apps to keep track of potential risks in your area. In New Hampshire, this might include notifications about storms, power outages, or severe flooding.
Final Thoughts
While we can’t predict when or where disasters will strike, we can take steps to minimize their impact. Keeping your property safe and ensuring your insurance coverage is up to date gives you peace of mind and helps you recover more quickly if something does happen.
Remember, preparation isn’t just about protecting your home—it’s about safeguarding the memories and the life you’ve built there. If you’re unsure where to start, consult with a local expert or your insurance provider to get tailored advice for your situation.