11/15/2022
AFTER A WILDFIRE DID YOU KNOW:
After an intense wildfire, burned vegetation and charred soil form a water-repellent layer blocking water absorption for years. Properties located below or downstream from burn areas are at an increased risk of flooding.
During rainfall, water bounces off the soil and even a light rain can potentially turn into a flood or mudflow.
Most homeowners and renters insurance policies do not cover flood damage, and flood insurance policies don't automatically renew.
There is typically a 30-day waiting period between submitting the flood insurance policy and the effective date. If you wait until severe weather arrives, it is likely already too late. (NFIP July 2021)
Even if you don't live next to water, there is still a chance of flooding if you life in an area which has been affected by wildfire. The potential for mudflow is substantially higher in those areas which have been hit by the fires. This mudflow is not covered by your homeowners or renters insurance. Even though this is not "water" but is flowing mud (mudflow) and would more likely be covered under a Flood Policy.
If you live in the Foothills or mountains, you most likely are in a Designated Wildfire Area. You may want to look at flood insurance before the remaining winter season.
Rohwer Insurance provides quotes for Flood Coverage and we can help you navigate the policies. Please give me a call at 707.678-9216 and I will answer any questions you may have.
