Insurance Claims Guide: Recovering after the wildfires cover art

Insurance Claims Guide: Recovering after the wildfires

Insurance Claims Guide: Recovering after the wildfires

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In this episode of All Things Wildfire, host OP Almaraz sits down with Brad Sawyer and Robert Clemmons of Marsh & McLennan Agency to unpack the growing urgency of wildfire resilience. Together, they explore practical home hardening strategies, the power of community collaboration, and the often-overlooked complexities of the insurance claims process after a wildfire.

Listeners will gain insight into how homeowners can take proactive steps to reduce risk, better understand their insurance policies, and improve their chances of recovery post-disaster. The discussion wraps with a strong call to action—resilience isn’t optional, it’s essential.

Show Notes Highlights:
  • Wildfires as Wake-Up Calls:
    Recent wildfire events have highlighted the urgent need for communities to act before disaster strikes.

  • Home Hardening Musts:
    Learn how features like ember-resistant vents, non-combustible materials, and defensible space can dramatically reduce wildfire risk.

  • Insurance Gaps & Misconceptions:
    Many homeowners are unaware of what’s actually covered—understanding your policy is critical.

  • The Claims Process:
    Why documentation matters and how being unprepared can delay or reduce your claim.

  • The Role of Community:
    Fire resilience goes beyond individual homes—neighborhoods that collaborate are safer.

  • Preparedness is Prevention:
    Investing in wildfire prevention today means fewer losses tomorrow.

  • Education is Lacking:
    Despite growing threats, awareness and understanding of wildfire preparedness remain low.

Key Takeaways:
  • Wildfires should be a trigger for action, not reaction.

  • Home hardening and defensible space are foundational to fire resilience.

  • Don’t wait until disaster hits—document home contents now.

  • Know your policy. Know your risk.

  • Community-wide strategies are the future of wildfire prevention.

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