Posted: Jul 4, 2012 8:20 PM by Marnee Banks - MTN News
Updated: Jul 5, 2012 6:42 AM
HELENA- Wildfires across Montana are serving as good reminders for homeowners to be protected in the event the flames come knocking at their door.
Farmers Insurance agent Brian Coleman says a basic homeowner's insurance policy covers damage due to a wildfire.
He says all basic policies will protect the home and the contents inside, but notes that homeowners need to pay attention to their limits because in some cases the limits may need to be adjusted based on where the home is located and the risk associated with it.
Coleman also offered some advice: "Take a video of all the stuff in your home, your personal belongings, so that you know what you had. So if there is a loss, you can sit down and see what it was you actually lost. Because no one's memory is that good after a traumatic experience like that."
Coleman recommends sending the video to a family or friend or even placing it in a safe deposit box so if your home is destroyed the video tape is safe.
He also says homeowner's insurance will cover your expenses if you are evacuated and need to find temporary shelter. Coleman reminds people to keep all their receipts and notify their insurance agent as soon as they can.