Fire Protection: Keeping your home safe (not wildfire related)

Genesee Fire Rescue offers Safe at Home, a free home safety evaluation. Call the department at 303-526-1230 to schedule a visit.

Other useful links:

Genesee is located in the wildland-urban interface (WUI), by definition a high hazard fire environment. There are steps that can be taken before a wildfire occurs that improve the survivability of people and homes. Learn about considerations for residents living with the risk of wildfire. Studies show that firebrands and embers from wildfires ignite most structures, not the main fire front. Little things and details can determine if your home survives a wildfire – or not. There are a number of steps you can take today to help protect your home and give firefighters the best chance of defending it in the event of wildfire. Below are links to a variety of resources and checklists that will describe how to create defensible space around your home, and information on resources specific to Genesee. *Defensible space is sometimes a requirement for getting or maintaining homeowners insurance in Genesee. Note: homeowners may receive notice from their insurer that all trees within 30 feet of the home must be removed. Defensible space does not mean clear cutting (see below for before and after pictures of defensible space around Genesee homes). Creating defensible space consistent with the Colorado State Forest Service guidelines, as described in this link, should satisfy the insurer. You will need a certified defensible space consultant to evaluate your property. Genesee Foundation often has cost-share grant money for creating defensible space around homes in Genesee.      

 
  BEFORE

BEFORE

  AFTER

AFTER

 

INSURANCE

Rocky Mountain Insurance Information Association’s website has good general, and Colorado-specific, information as well as information about various catastrophic events (e.g. hail, wildfire, flood, mudslides, etc). It is very important, when making a claim, that you can document the items of value lost in a catastrophic event. There are now some apps from iTunes and Android for creating a home inventory.

Wildfires are a particular safety and insurance concern in Genesee, a community built in the wild land-urban interface, and located in a high fire danger area (red zone). Many homeowner insurance companies are responding to the wildfire threat by asking customers to share the risk by mitigating fire hazards on their property, see HERE. The Colorado Division of Insurance also has Colorado-specific tips on insurance and wildfire. Homeowners may receive notice HERE.

Along with wildfire mitigation, insurance companies also consider other factors such as the type of construction and materials of your home, and the distance to a fire hydrant or fire station. Read your policy and talk to your agent to make sure you have the proper coverage for your property in the event of a fire or other catastrophe. Talk to your agent before deciding on additional fire safety measures. Knowing which types of insurance discounts are available will help you get the most fire protection for your money.


SECURITY

Believe it or not, it’s often the simplest and most obvious precautions that homeowners tend to forget – and burglars tend to exploit. Maybe you’ve lived on the same street for decades and doubt “It” could ever happen to you. Maybe you’re in a rush and skip the usual routine. Whatever the situation, you should always lock your doors and windows when you go out. And keep close track of spare keys, where they are and/or who has them.