When fires erupted across Sonoma County last month, insurance companies deployed private crews to defend the homes of their clients, a practice that offers additional protection to people living in wildfire-prone areas.
Most of these services are targeted at wealthy homeowners who live in rural enclaves, where insurers are exposed to heavy losses when homes are burned to the ground. But a growing number of insurance companies are offering similar services to all of their customers, part of an effort to reduce the risks to clients living in fire danger zones.
Last month, insurers dispatched teams to protect more than 450 houses in Sonoma and Napa counties as wildfires ravaged the region, according to officials with four insurance companies that provide fire mitigation services.
Most were small crews trained to take emergency measures to reduce fire risk. These activities may be as simple as closing windows and doors left open during the residents’ frantic flight, pulling straw doormats or combustible patio furniture away from a house, or getting on the roof with a leaf-blower to clear away flammable leaves.
But it might also include wetting down a house and property, setting up sprinklers, dousing embers or applying fire-suppressant gels and foams during a fire.
Insurance providers say their crews are not private firefighters.
“We’re not there to combat a structure fire,” said Stephen Poux, global head of risk management services and loss prevention for American International Group’s Private Client Group. “We know what our boundaries are. We know what our limits are.”
AIG, which claims to insure roughly 40 percent of Forbes’ 400 richest Americans, pioneered the use of wildfire mitigation services in the wake of the 2003 Cedar fire, which destroyed 2,820 structures in San Diego County and killed 15 people. Available since 2005, the unit’s services are available only with certain ZIP codes in specific states that have both wildfire exposure and a concentration of wealthy clients.
“A lot of the properties we insure are remote, estate-type homes,” Poux said.
Similar programs available through premier insurance providers such as Chubb and Privilege Underwriters Reciprocal Exchange, or PURE. Some charge premiums as much as “a couple hundred thousand dollars,” depending how many homes a client insures and the complexity of their needs, Poux said. But it’s possible to get an entry-level policy for “a couple thousand dollars” that comes with complementary fire mitigation service, he said.
Such programs are increasingly available to the masses. The United Services Automobile Association, for example, now offers fire mitigation assistance to military personnel, veterans and their families who have homeowners coverage through USAA and reside in 15 wildfire-prone states.
“I think some of the other carriers do focus on high-end property, but ours is available for everyone,” USAA Communications Manager Richard Johnson said.
AIG employs only former firefighters and wildland firefighters to staff its Wildfire Protection Unit and provides regular training, tools and equipment to take emergency actions as a wildfire encroaches, Poux said.
Other companies provide fire protection services through third-party partners. Both Chubb and USAA use Wildfire Defense Services, for instance.
Much of the structure damage caused by Sonoma County wildfires, particularly within the perimeter of the 36,807-acre Tubbs fire, occurred within a matter of hours, leaving no time for fire mitigation crews to respond.