by Amy Bach

Recent media coverage has spotlighted the handful of insurance companies that offer "private fire protection" to clients who can afford the cost.  AIG was the first on the block and several others have followed suit.  The recent North Bay wildfires will generate new data on how effective this special protection was in saving the homes of those who had this coverage.

What does the protection get you?  Your insurer may dispatch staff to the affected area. If access is permitted, they will visit their customers' properties and remove combustibles, when necessary apply Phos-Chek for perimeter protection and/or Class A foam or Thermo-Gel for structure and landscaping protection. Phos-Chek® is a long-term fire retardant made of the same material used by government agencies to fight fires.

What do I think?

- Innovations in making homes resistant to wildfires should ideally be available to all homeowners

- Wildfires typically happen in areas with narrow single lane roads, private fire trucks should never be permitted to impede public fire trucks on those narrow roads

- Money buys access to superior services in many facets of American life, from medical services to seats on an airplane etc.

What do others think?

- http://www.ktvu.com/news/cadillac-fire-protection-private-firefighters-give-extra-protection-to-the-wealthy-in-wine-country

 

Disaster Specific: 

About The Blogger

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.