American Property Casualty Insurance Association
  • Staff Contact: Nicole Mahrt-Ganley     
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  • June 9, 2016
  • Tenderfoot Fire Reminds Homeowners and Renters to Prepare for Wildfires

    PCI says now is the time to prepare your finances and property with a Wildfire Reality Check

    PHOENIX — As fire crews work to contain the Tenderfoot Fire near Yarnell, which tragically lost 19 firefighters and 122 homes to wildfire in 2014, the Property Casualty Insurers Association of America (PCI) urges both homeowners and renters to use this time to take a “Wildfire Reality Check” and ensure both your finances and property are prepared for wildfires.

    The return of fire near Yarnell is a strong reminder to everyone in Western states that wildfire is an ongoing threat. Over the next few months fire season is expected to intensify in Arizona and the Southwest while most other areas of the U.S. are expected to see normal wildfire activity through the summer. To help remind homeowners of the need to prepare in case the worst happens, PCI is launching a summer-long campaign called “Wildfire Reality Check.”

    “The Wildfire Reality Check reminds homeowners and renters that there are simple steps to take before a wildfire that will reduce damage and make recovery easier,” said Kelly Campbell, PCI vice president. “In many areas, it’s not a question of if there will be wildfires, but when. Now is the time to get ready.”

    The National Interagency Fire Center reports 2016 has already brought 21,429 fires burning 1.75 acres nationally. More precipitation in some areas was positive but also created more fuel that can be problematic in the drier summer months.

    “Homeowners and renters need to take the time now to call your agent or insurance company and do an annual insurance checkup. Make sure you have enough coverage to rebuild your home. Renters can bundle a policy with their auto insurance so all your belongings can be replaced,” said Campbell. “Making a home inventory is very easy just grab your smartphone and walk through your house. Remember to open drawers and closets and don’t forget to video what is in your garage. This easy home video could help make rebuilding your home much easier.”

    Learn more about how to prepare your finances and property at:

     Wildfire Reality Check - Quick Tips on How to Prepare Your Finances:


    • Read and understand your insurance policy. The typical homeowners policy covers damage caused by wind, fire and lightning. Comprehensive auto insurance generally covers damage or destruction to a vehicle from a fire.


    • Review your insurance policy regularly with your insurance company or agent. If you have recently remodeled or built a new addition onto your property, be sure to increase the amount of protection to cover the upgraded materials or expanded square footage. Talk about types of insurance policies and learn the difference between a replacement cost policy, which generally provides for the repair or replacement of damaged covered personal property items, and an actual cash value policy, that will only provide reimbursement for the depreciated value of the covered personal property item. Decide which type of policy best fits your needs, and maintain adequate insurance, because once a wildfire turns into a fire storm there is little that can be done to halt its path of destruction. Make sure your policy reflects the right amount of square footage.


    • Create and keep an inventory of your personal items and photograph or videotape them for documentation and claims purposes. Be specific: document how many TVs, computers, sets of towels and sheets, and other items you have. The more detail you record, the easier recovery will be. Keep receipts for major purchases and keep records of the age, current value, make, model and serial number of your personal property. Keep your inventory and a copy of your insurance policy at another location.


    Wildfire Reality Check - Quick Tips on How to Prepare Your Property:


    • Create 100 feet of defensible space around your home by clearing dead brush, grass and shrubs. Defensible space can slow the spread of a fire and help keep fire fighters safe.


    • Clean out leaves, pine needles and dirt that may have collected in rain gutters or on roofs.


    • Cut back tree branches that hang over the house or near the chimney, and create 6 feet of clearance between the ground and tree branches.


    • Consider landscaping with fire-resistant trees and shrubs such as deciduous trees and low-growing shrubs.


    • Remove any wood piles or wooden play houses against homes or structures.


    • Keep operational fire extinguishers in kitchens.


    • Install new batteries in fire and smoke alarms.


    • Know your building codes and use fire resistant materials.


    • Create a family plan and hold family evacuation drills. Make sure your family knows what actions to take if a fire breaks out. Include plans for pets.


    • Identify family valuables and treasures you can gather in a short time span.



    Additional tips for physical and financial preparation, as well as recovery and rebuilding guidance for anyone directly impacted by a wildfire can be found at


  • PCI promotes and protects the viability of a competitive private insurance market for the benefit of consumers and insurers. PCI is composed of nearly 1,000 member companies, representing the broadest cross section of insurers of any national trade association. PCI members write more than $195 billion in annual premium, 35 percent of the nation's property casualty insurance. Member companies write 42 percent of the U.S. automobile insurance market, 28 percent of the homeowners market, 33 percent of the commercial property and liability market and 35 percent of the private workers compensation market.
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