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October Newsletter

Insurance News:

Wow it’s STILL hot and dry out, and wildfire season is still upon us big time! Have you seen the newest blaze that sparked over the weekend in the Ruby Mountains? Just devastating to some of the finest country Nevada has to offer. As we saw this past summer, even living inside the city limits does not make us immune to wildfires.  We’ve talked in the past about defensive space between your house and flammable bushes, trees, or weeds. Now is the time to give your property a hard look again, are you ready in case wildfire gets too close to your house?  We suggest incorporating fire prevention into your annual fall clean up.  Besides the whole defensive space conversation, here are Ten Tips for Wildfire Safety:

1). Turn a light on in each room
2). Close all windows, doors and fireplace dampers
3). Remove curtains and flammable materials from windows
4). Turn off all pilot lights and shut off propane tanks and natural gas
5). Seal attic and ground vents
6). Place outside furniture inside
7). Prop a ladder against the house for easy access to roof
8). Connect garden hoses to outside taps
9). Wet the roof and shrubs within 15 feet of all structures
10). Continually check the roof, attic and yard for embers, smoke and fire for at least 12 hours

Agency News:

We had two anniversaries this past month. Michelle Meeks celebrated 19 years and Derek Moore celebrated 2 years. The two of them play a pivotal role in our Commercial Lines Department. If you’ve had a chance to work with either of them directly I think you’d agree, they are great!

As you may have seen on Facebook, the team played hooky last week and spent an afternoon at Hammer & Stain working on a Fall project. We had a great time! If you haven’t been there I’d highly recommend you go visit.

That’s all for now but stay tuned, we have some exciting things happening that we can’t wait to share! As always, thank you for your business and continued loyalty.

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How to Prepare & Protect Your Home from Wildfires

Wildfires Can Happen in Almost Every State. Learn How to Be Prepared for Wildfires. 

While wildfires happen more frequently in the western United States, nearly every state has been devastated by fires in the last century. And each year, hundreds of homes are destroyed as more people choose to live closer to nature.

Before a Wildfire

Know What Your Insurance Covers and How Much You Need

  • Your homeowner’s insurance policy covers repair or rebuilding costs.
  • If you can’t live in your home, Safeco will pay additional living expenses as provided in your policy. Review your policy for detailed coverage explanations.
  • Review your insurance policy once a year to make sure you have enough coverage to rebuild based on current construction costs.
  • Work with an independent building contractor to get a precise estimate, and talk to your agent about your building’s unique features.

How to Reduce Wildfire Damage

  • Define a defensible space, at least a 30-foot noncombustible zone around your home.
  • Choose fire-resistant plants and trees.
  • Remove or prune low-hanging tree branches.
  • Cut grass and weeds regularly and keep your roof and yard clean, especially from dry yard debris.
  • Stack wood piles or other burnable materials at least 30 feet from your home or other buildings on your property.
  • Keep signs and addresses visible so firefighters can easily locate your property.
  • Rate your roof. Is it fire-resistant?
  • Recycle yard debris and branches instead of burning.

During a Wildfire

Protect Yourself and Your Family

  • If a wildfire starts in your area, monitor local news reports for evacuation procedures.
  • Prepare for evacuation by turning off gas valves and pilot lights, closing all windows and doors, and packing your car for quick departure if there is time and it is safe to do so.
  • Return to a burned area only when local authorities have instructed you to do so.

Heuer Insurance Agency in Sparks has worked with a variety of clients in the Reno area over the years and we are confident in our ability to meet your personal or business insurance needs. We understand how important an insurance policy can be and we take time to match each of our clients with the perfect insurance policy. Whether you are looking for auto insurancerenters insurancehomeowners insurance, or life insurance we can help you. Not only can we provide you with each of these personal insurance policies, but we can also help you find a general liability policy, workers compensation policy or commercial building insurance policy. Give us a call at 775-358-5554 or visit us.