Now Is the Time to Secure What Matters Most
Every year, wildfire season becomes more severe—and more unpredictable. Drier weather, hotter temperatures, and increasing development in high-risk areas have made wildfires a year-round concern for homeowners and business owners alike. Yet too many people wait until it’s too late to review their coverage, only realizing gaps exist when disaster is already at their doorstep.
At Skyscraper Insurance, we believe preparation is protection. That means taking a proactive approach to risk—especially in regions where wildfires are no longer rare events, but regular threats.
Understand the Risks, Then Get Covered
Wildfire doesn’t just destroy property—it disrupts lives, displaces communities, and causes long-term financial loss. A single spark can lead to millions in damages within hours. And even if your property isn’t directly touched by flames, smoke, ash, and forced evacuations can still lead to significant costs.
That’s why strong wildfire coverage must include more than just the basics.
Key Areas to Review in Your Wildfire Insurance Policy:
✅ Property Protection Against Fire Damage
Make sure your policy covers full replacement costs for your home, building, or inventory—not just market value. Understand what’s included (and excluded) in fire-related claims, including structural damage, landscaping loss, and detached buildings.
✅ Evacuation & Additional Living Expenses (ALE)
If you’re forced to leave your home or pause business operations due to evacuation orders, you’ll need coverage for hotel stays, meals, temporary storage, or rental space. This often falls under ALE, but not every policy offers it in full.
✅ Business Interruption Protection
Wildfires don’t just damage—they delay. Business interruption coverage helps replace lost income if you have to shut down temporarily, covering essential expenses like payroll, rent, and operating costs.
✅ Smoke & Ash Damage
Even without flames, smoke and ash can render a property unusable. Confirm whether your policy includes remediation or cleanup for these indirect damages.
✅ Regional Risk Assessments
A policy that works in one ZIP code may not suit another. At Skyscraper, we tailor your protection to your exact location, factoring in local fire history, evacuation zones, and wildfire mitigation ordinances to close coverage gaps before they cost you.
The Skyscraper Insurance Difference
Our team works hand-in-hand with clients in wildfire-prone states to ensure their coverage is not only compliant—but complete. We don’t wait for headlines to take action. We proactively review, refine, and reinforce your protection to withstand the realities of your environment.
Our advisors will walk you through:
- A full policy review with wildfire-specific recommendations
- Customized quotes for additional protection or endorsements
- Risk mitigation steps to lower your premium and increase safety
- Claims education so you know what to expect and how to act fast
Don’t Wait for the Flames
When a wildfire is near, insurance carriers may place binding restrictions—meaning no policy changes or new coverage can be written. By then, it’s too late.
Now is the time to act. Whether you’re a homeowner in a wildfire corridor or a business owner with critical property at stake, peace of mind begins with proper planning.
Let’s ensure your coverage is wildfire ready. Because when disaster strikes, what matters most is how prepared you were before it did.
Wildfire Ready. Stay Safe. Stay Covered.
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