CONSUMER NOTICE – January 23, 2025
 

WILDFIRE RISK IN CONNECTICUT: UNDERSTAND YOUR INSURANCE COVERAGE
AND HOW TO PROTECT YOUR PROPERTY

 

While wildfires have devastated parts of California, the Connecticut Insurance Department reminds residents that our state is not immune to this growing threat. The Hawthorne Fire in Berlin, which occurred in October 2024, serves as a stark reminder that wildfires can strike unexpectedly, even in our own backyards.

In the fall of 2024 alone, 467 wildfires in Connecticut burned nearly 465 acres and put 140 homes at risk. These fires can spread at alarming speeds—up to 14 miles per hour—making it crucial for homeowners to take proactive steps to protect their property.

It’s never too early to begin planning how to reduce the risk around your home and property.

What Does Your Insurance Cover?

Understanding your homeowner’s insurance coverage is essential to ensuring you’re protected in the event of a wildfire. Fire coverage is included in standard homeowner policies, but it’s important to consult your insurance agent or company to confirm your specific coverage.

Maintaining an up-to-date home inventory of your personal property is also crucial to ensure you receive proper compensation in the event of a loss. Additionally, your homeowner’s policy may help cover evacuation expenses if you’re forced to leave your home due to a wildfire.

Remember, homeowners’ insurance usually does not cover vehicle damage. Be sure to check with your auto insurance agent or company to understand what is included in your auto policy.

How to Prepare Your Home for Wildfire Risk

Taking steps to minimize the risk of wildfire damage is equally important as having the right insurance. Here are some key actions you can take to protect your home:

  • Create a defensible space around your property: Clear combustible materials like bushes, shrubs, and dry vegetation to create a buffer zone that slows the spread of wildfire and shields your home from flames, heat, and embers.
  • In the warmer months, follow these IBHS guidelines to maintain your defensible space:
    • Regularly water your property to prevent dry vegetation.
    • Keep a five-foot clearance between your home and any combustible materials.
    • Trim dead plants and low-hanging branches near your home.
    • Use non-combustible surfaces like walkways and rock mulch around your property.
  • Refer to CT DEEP Forest Fire Prevention Tips:
    • Clean gutters regularly to remove leaves, sticks, and needles.
    • Use fire-resistant materials for roofing.
    • Avoid storing firewood within your defensible space.

By implementing these protective measures, you can significantly reduce the risk of wildfire damage and help safeguard your home. Stay informed, stay prepared, and ensure you have the right coverage in place.

For questions or more information on this and any insurance topic, please contact the Connecticut Insurance Department at insurance@ct.gov or by calling 860-297-3900 or find us online.

 
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