Wildfires Are Becoming More Devastating—Is Your Client Covered?
Wildfire season is longer and more intense than ever before, making Insurance Coverage for Wildfires a critical priority for homeowners. As an insurance agent, your role goes beyond selling policies—you’re a key advisor in helping clients protect their homes, assets, and financial well-being.
The Reality of Wildfire Risks in 2025
Wildfires are no longer isolated to a few high-risk states. The frequency and severity of these disasters are increasing nationwide, leading to major insurance implications:
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40% of U.S. homes are in wildfire-prone areas, making proactive protection more important than ever.
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Homeowners insurance premiums are rising due to growing wildfire risks, leading some insurers to reassess or even withdraw coverage in high-risk zones.
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Many policies now require proactive fire mitigation measures before providing or renewing coverage.
How to Help Clients Protect Their Homes & Policies
Encourage Risk Mitigation
Clients who take preventive steps not only reduce their risk but may also qualify for better coverage options. Advise them to:
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Create defensible space by clearing flammable vegetation near their homes.
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Install fire-resistant materials such as roofing, siding, and tempered glass windows.
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Use smart home technology like wildfire detection sensors and ember-resistant vents.
Review Their Homeowners Insurance
A quick policy review can save clients from unexpected financial burdens. Help them:
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Verify coverage limits to ensure they have adequate protection for rebuilding costs.
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Check for exclusions related to wildfires, especially in high-risk regions.
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Add wildfire endorsements to fill coverage gaps and offer extended protection.
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Ensure they have loss of use coverage, which helps cover temporary housing costs if they are displaced.
Bonus Tip: Offer clients a Wildfire Readiness Checklist to reinforce your role as a trusted advisor and keep them informed.
The best defense against wildfires is preparation and proper insurance coverage. Position yourself as a proactive, knowledgeable agent by helping clients safeguard their homes before disaster strikes.
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