Be Ready This Fire Season: September is Preparedness Month

​September is National Preparedness Month, and here in Calaveras County, the first week of the month has already reminded us how quickly wildfires can start and spread. With fire season in full swing, being prepared isn’t just smart—it’s essential. Whether you’re a homeowner, renter, or business owner, taking steps now can protect your property, your family, and your peace of mind.

1. Create a Fire Escape Plan

Every household should have a clear, practiced plan for evacuation. This includes:

• Multiple exit routes from your home and neighborhood.
  
• Meeting places both nearby and out of town in case you get separated.
  
• A communication plan for family members, including phone numbers and emergency contacts.

Practice your plan regularly.  In a real fire, seconds count.  Knowing where to go and how to get there can save lives.

2. Prepare an Emergency Kit

Your kit should cover at least 72 hours and include:

• Water (one gallon per person, per day)
• Non-perishable food
• Flashlights and extra batteries
• ​First aid supplies
• Medications and important documents
• Pet food and supplies for your animals

Store your kit in an easy-to-grab location so you can leave quickly if needed.

3. Create Defensible Space Around Your Home

Fire safety starts with your property. Cal Fire recommends:

• Clearing dry leaves, dead plants, and debris from around your home.
• Keeping trees and shrubs trimmed, with branches at least 10 feet from your roof.
• Using fire-resistant landscaping and materials for decks or fences.

Defensible space gives firefighters a better chance to protect your home and slows the spread of flames.

4. Understand Your Insurance Coverage

Many residents are surprised to learn that their insurance policies may not fully cover wildfire damage. Take these steps:

• Review your homeowners, renter’s, or business insurance policies.
• Ensure your coverage limits are adequate for rebuilding or replacement.
• Document your property—take photos and make lists of valuables.

If you’re unsure about your coverage, our team at Gerard Insurance Services can help you understand your options and make sure you’re protected before it’s too late.

5. Stay Informed

Knowledge is power during fire season. Sign up for:

• Local emergency alerts (Local County Alerts)
• ​Weather and fire updates from Cal Fire
• Community evacuation notices

Have a battery-powered or hand-crank radio on hand in case power goes out.

Final Thoughts

Wildfires can be unpredictable, but preparation gives you control. By planning ahead, creating defensible space, and making sure your insurance coverage is up-to-date, you’re protecting your home, your family, and your future.
At Gerard Insurance Services, we’re committed to helping Calaveras County, and beyond, residents stay safe and prepared. Don’t wait for a fire to strike—take action today. Contact us to review your coverage or to get tips on protecting your property.