Inventory my belongings?

If a fire destroyed your home, would you be able to remember the estimated value and age of all your possessions for insurance purposes? Yea, me neither! Since September is National Preparedness Month, I started an inventory of my personal belongings. It’s important as it provides an accurate record of a homeowner’s possessions, helps process insurance claims faster, and helps one purchase the correct amount of insurance. The inventory is critical to document losses due to fire but also to other causes such as flooding, burglary, and vandalism.

Below I review three recommended methods to inventory one’s belongings. While there may be other options, the important thing is to pick one and become prepared during National Preparedness Month!

A representative from the Nevada Division of Insurance recommended utilizing either a free smart phone app or a PDF inventory sheet created by the National Association of Insurance Commissioners (NAIC).  In addition, the Living With Fire (LWF) Program also has a more detailed inventory sheet.

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An example of the National Association of Insurance Commissioners Scr.APP.book app on a smartphone

Both the smartphone App and PDF inventory sheet can be found at the following link: http://www.insureuonline.org/insureu_special_disaster.htm

One can always install the app on their smart phone by searching for Scr.APP.book (see above). The app’s interface is very user friendly and makes it easy to upload photos. Once the app is installed, click the icon, “ADD ITEM” and complete the screen (see above). One can take multiple photos of the item by clicking the camera button at the top, taking a photo and then clicking “OK”. The information entered on the form can be retained by clicking the save button. To view the items already input into the form, click the item list and edit information if necessary. An individual form must be completed for each item in the home. This information can then be exported from the app to be e-mailed, or saved to a computer or flash drive. Additionally, there are tips and resources on the app to connect to the NAIC and become more informed regarding advisable insurance coverage.

naic-checklist-pdf

A screenshot of the National Association of Insurance Commissioners home inventory checklist PDF

The PDF inventory sheet is also easy to use but, unlike the app, users must first print the form, record the information by hand and attach separate pictures to the inventory sheet (see above).  Each item’s information such as item identification, price, date purchased, and brand name must be entered on the form for each separate room. The completed form along with photographs can then be retained as a hard copy.  Users must remember to keep the inventory sheet and photos separate from the house. This ensures that in the event of a disaster, the inventory sheet is not destroyed along with the house. Here is a direct link to print the inventory checklist:

http://www.insureuonline.org/home_inventory_checklist.pdf

weblwf-household-inventory-checklist

Above is a view of the My Household Inventory Checklist by the Living With Fire Program

Unlike the NAIC form, item information can be entered and edited directly on a computer and can be saved to a drive, thumb drive, etc. (see above).  This inventory sheet asks for more information than the NAIC options, BUT also provides users with a more detailed inventory of belongings. The inventory sheet suggests considering items that I normally wouldn’t have, including silverware, clothing, tools, and recreation equipment. The LWF Program inventory also explains how to calculate the current cash value of items and recommends including this as part of the record. While calculating the current cash value of each item isn’t necessary, it helps to estimate the item’s worth for insurance reimbursement purposes. As with the NAIC PDF inventory sheet, pictures must be taken of the items and attached or saved to the PDF. To download this method, click here: http://www.livingwithfire.info/how-we-can-help and scroll down to the “Household Inventory Program” tab.

Out of all three options, I felt that the smartphone app was by far the easiest to use because my smart phone’s camera is linked to the app. The app stores the photos and inventory information all in one place. If I were to complete the other two inventory sheets, I would need to take a photo of each item, print it out, or save it digitally and link it to the completed form. However, I do recommend reviewing the Living With Fire Program’s inventory sheet as it made me consider adding other items that I wouldn’t have otherwise considered.  Overall, this process is very time consuming as it took me a total of two hours to document only six items on the app. It’s recommended to inventory one’s belongings for a couple of hours each weekend to prevent documentation burn out. I began my inventory process with the larger, more recently purchased items however after reviewing the LWF inventory, I’ll need to include more of a detailed list such as my silverware and clothing. I’ve started keeping copies of my receipts for my purchased items, making it easier to look up the brand, item’s name, price, etc.  Remember it’s better to have an incomplete list rather than no list at all.  Once your list is complete, store it in a safety deposit box, save a digital copy, or place a copy with a trusted friend or family member. Just ensure the inventory is not destroyed if your house is a total loss.

Jamie HeadshotJamie Roice-Gomes is the outreach coordinator with University of Nevada Cooperative Extension’s Living with Fire Program.  She earned her Bachelor of Science in Wildlife Ecology and Conservation and a Master of Arts in Interactive Environmental Journalism. She was a public relations assistant for Conrad Communications, a public information officer intern at the Nevada Department of Conservation & Natural Resources, and a Biological Science Technician at the USDA-Agriculture Research Service. She also enjoys volleyball, the Great Basin Desert, and spending time with her husband and their mini Australian Shepard. Contact Jamie at 775-336-0261                       or [email protected].

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Debunking Wildfire Myths

Most homes are destroyed during wildfire by burning embers landing on, in or near the house on something easy to ignite. In this photograph, embers have ignited the house and started several spot fires in the pine needle litter. Photograph courtesy of North Lake Tahoe Fire Protection District.

Have you scrutinized your homeowner’s insurance policy to confirm that you are not underinsured if a wildfire destroys your home? OR did you know that a majority of homes destroyed during wildfire are from embers that can travel up to a mile away from a fire? As a relatively new employee with the Living With Fire Program, I am still learning new things! Some misconceptions continue to surprise me. The following is a list of four common misconceptions I hear regarding wildfire. Read on and be prepared to be debunked!

– Myth 1: If a wildfire destroys my home, my insurance will build me a new home.
Let’s say an individual’s home is destroyed by wildfire. Most homeowners expect their insurance will help them recover from the fire by providing enough money to replace anything damaged or destroyed. According to an expert I spoke with at the Nevada Division of Insurance, a majority of homeowners are under insured or don’t fully understand their insurance coverage. Of the many possible examples, let’s use the car as an example. Say a homeowner is evacuated due to a wildfire, but must leave one car behind parked in the garage and both the car and house are destroyed. The car is not covered by homeowners insurance, and is only covered if the owner has comprehensive auto insurance. This is but one of the many situations to review under your homeowner’s insurance policy. Remember, different insurance companies offer different policies. Due to this wide variation, homeowners should review policy details with their agent or at the very least, thoroughly read their annual policy. For an overview of homeowner’s insurance, please review the Nevada Consumer’s Guide for Home Insurance published by the State of Nevada Department of Business and Industry Division of Insurance, http://doi.nv.gov/uploadedFiles/doinvgov/_public-documents/News-Notes/HomeInsuranceGuide2011B.pdf .

– Myth 2: Firefighters will save my home during a wildfire.
The unfortunate reality of wildfire is there’s no guarantee that firefighters will be able to save your home. It’s projected that the wildfire threat in the Western United States will continue to increase. Since 1991, more than half of the new homes built were in wildland areas and are easily-ignitable, according to the research firm Headwaters Economics in Montana. The US Forest Service estimates that 15 million homes in the U.S. are at risk of being destroyed by wildfire. Unfortunately there will never be enough resources to protect every single home during a large wildfire incident. However, a home with defensible space, appropriate home construction and routine maintenance can increase a home’s survivability. An even greater impact is a “Fire Adapted Community,” or a community of people who work together to reduce the wildfire threat and prepare in advance to survive wildfire. This is a community that is adapted to survive wildfire with little or no assistance from firefighters. View the Fire Adapted Communities publication to help reduce the wildfire threat. http://www.unce.unr.edu/publications/files/nr/2011/sp1101.pdf#search=”fire adapted communities”

-Myth 3: During a wildfire, I’ll defend my home using my lawn sprinklers and a garden hose.
I’ve actually heard a neighbor say this one to me. During a wildfire, running yard sprinklers or water from your hose bib outdoors can affect crucial water pressure that’s necessary for firefighters to combat the fire. Conversely, because the firefighters are using the water supply, there might not be enough pressure to even power sprinklers or a hose. Another reason why one shouldn’t rely on their yard’s watering equipment to fight a wildfire is the possibility of no water at all. If the electricity is out, a home’s water source might not work due to electrical pump failure. When evacuating a home during a wildfire, it is recommended that homeowners connect garden hoses to outdoor faucets so firefighters can have access to them if necessary, but don’t leave the water running. For more tips on safe evacuation during a wildfire, see the evacuation information at http://www.livingwithfire.info/during-the-fire

– Myth 4: Direct contact with the wildfire flame front is why most homes are destroyed.
We’ve all seen the news footage of a wildfire where a huge wall of orange flames rush in to threaten a home. Contrary to popular belief, most homes do not ignite from direct contact with flame front. Most homes, an estimated 90%, are destroyed from embers. Depending on fire intensity, wind speed and the size of burning materials, embers can travel more than a mile away from the fire. These embers can become lodged in something easily ignited on, in or near the house, eventually starting a small fire which can grow and destroy the home. Proper attention to these vulnerable, easily-ignited areas of the home helps to decrease the home’s risk to being destroyed by wildfire. Check out the Be Ember Aware publication to identify these vulnerable spots at http://www.unce.unr.edu/publications/files/nr/2009/fs0905.pdf#search=”be ember aware”

Jamie HeadshotJamie Roice-Gomes is the outreach coordinator with University of Nevada Cooperative Extension’s Living with Fire Program.  She earned her Bachelor of Science in Wildlife Ecology and Conservation and a Master of Arts in Interactive Environmental Journalism. She was a public relations assistant for Conrad Communications, a public information officer intern at the Nevada Department of Conservation & Natural Resources, and a Biological Science Technician at the USDA-Agriculture Research Service. She also enjoys volleyball, the Great Basin Desert, and spending time with her husband and their mini Australian Shepard. Contact Jamie at 775-336-0261                       or [email protected].

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Being Ember Aware

After experiencing the recent Driscoll Fire, (click here to view last month’s blog) it becomes even more important to continue my efforts to make my home wildfire prepared. I look to the publication, “Be Ember Aware!” for ideas on how to reduce the wildfire threat to my home. This publication contains a list of 22 places around the home that can be vulnerable to ignition by windblown embers produced by a wildfire. During a wildfire, embers can be blown over a mile away from the main flame front and can bombard a home easily igniting these flammable spots. In fact, embers are the major reason why homes are destroyed in wildfires. I won’t review all 22 of the vulnerable areas, but will note some of my home’s problem areas that require attention.

Once I removed the cedar tree in the front yard, (click here for my first month’s blog) it was apparent that our foundation vent had a hole in it and needed to be covered with 1/8-inch wire mesh. If embers were pelting my house, the hole in the vent would have provided an easy entry for embers to blow into the crawlspace and ignite the home.

crawlspace vent broken

The hole in the crawlspace vent.

UGH, my weathered deck. Unfortunately, my husband and I have yet to replace or maintain our deck. All decks should be in good condition to resist ember ignition. It’s also a good idea to remove all combustible debris out from under the deck as those are a fire hazard.  Even the accumulated litter between deck floor boards can be a source of ignition from embers.  A few months ago, my husband and I purchased wooden lattice panels to enclose the deck. However, the publication recommends using “ignition-resistant siding materials”, or 1/8-inch wire mesh to prevent debris and embers from blowing under the deck – I guess we won’t be using those panels.

 

The condition of my deck. Also note the open space between the deck and the ground.

The condition of my deck. Also note the open space between the deck and the ground.

under deck

A view beneath the deck. The dead vegetation under the deck must be removed.

My home “to-do” list continues to get longer and longer but at least I have an idea of how to keep my home safe from embers. For a full list of vulnerable, flammable areas of your home check out the “Be Ember Aware!” publication (click here for the “Be Ember Aware!” publication) Also, keep an eye out for more of my lessons and experiences with these blogs.

Jamie HeadshotJamie Roice-Gomes is the outreach coordinator with University of Nevada Cooperative Extension’s Living with Fire Program.  She earned her Bachelor of Science in Wildlife Ecology and Conservation and a Master of Arts in Interactive Environmental Journalism. She was a public relations assistant for Conrad Communications, a public information officer intern at the Nevada Department of Conservation & Natural Resources, and a Biological Science Technician at the USDA-Agriculture Research Service. She also enjoys volleyball, the Great Basin Desert, and spending time with her husband and their mini Australian Shepard. Contact Jamie at 775-336-0261                       or [email protected].

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A Close Call During the Driscoll Fire

As the Living With Fire Outreach Coordinator, knowing quick updates of current fires is important so we can notify our audience via social media. On Wednesday, I scrolled through Twitter to learn more about the Hawken Fire and I read a Reno Fire Department tweet, “Crews on the scene of another fire threatening structures off of Driscoll Dr. Fire attack is underway #DriscollFire.” My blood ran cold. That’s near my house. Adrenaline pumped through my body as I raced my car from the office to my house. Once in my neighborhood, I was stopped by Reno Police Department and was forced to park my vehicle one-third of a mile away from my house. I got out and literally ran up steep streets to grab my dog and personal belongings.  The closer to my house, the more the streets were cluttered with fire engines, NV Energy vehicles, unmarked white trucks and Volunteer Search and Rescue vehicles. Fire hoses ran along the street and water trickled from them down the pavement. Once I reached the corner of my street, some of my neighbors congregated  and watched firefighters spray water at the charred, smoking fire scar. The fire was mostly contained and except for one damaged structure, all homes were saved. A wave of relief came over me. We are safe. Thank goodness for the swift action of the Reno Fire Department and other emergency responders. Fire season is upon us, and it’s important to be prepared for potential evacuations. I was not prepared this time.

A scene of the Driscoll fire and emergency responders

A scene of the Driscoll Fire and emergency responders.

The Living With Fire website has interactive multimedia that explains what you can do during a fire , as well as an evacuation checklist . For example, did you consider that you should take important documents such as bank, IRS, trust, investment, insurance policies, birth certificates, marriage certificates, death certificates, medical and immunization records, wills, contracts, titles and deeds? Or did you think to bring your pet’s medication and vaccination information? It’s also a good idea to have pictures of your animal that show distinguishing marks just in case your pet gets lost. I never considered any of these, but now I have a box of these documents and pictures that I can grab if I’m forced to quickly evacuate. Now I am prepared for the next time.

Please take the time to check out these links. Stay tuned for other blogs on my experiences of a homeowner in a fire prone area.

Jamie HeadshotJamie Roice-Gomes is the outreach coordinator with University of Nevada Cooperative Extension’s Living with Fire Program.  She earned her Bachelor of Science in Wildlife Ecology and Conservation and a Master of Arts in Interactive Environmental Journalism. She was a public relations assistant for Conrad Communications, a public information officer intern at the Nevada Department of Conservation & Natural Resources, and a Biological Science Technician at the USDA-Agriculture Research Service. She also enjoys volleyball, the Great Basin Desert, and spending time with her husband and their mini Australian Shepard. Contact Jamie at 775-336-0261 or [email protected].

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The Trials and Tribulations of Older-Home Ownership

As the new Outreach Coordinator with the Living With Fire Program, I thought it was fitting to share my trials and tribulations as an owner of an older home in a fire prone area. In 2014 my husband and I purchased our dream home which is nestled in the hills of old Southwest Reno. As first-time homebuyers of a 46 year old home, we discovered the learning curve was steep regarding proper landscape maintenance. I used to look at my yard and shake my head in disbelief and wonder, “Where do I start?” Wait…who am I kidding, I still do that!

The picture marked “Before” is a Google photo of our front yard before we purchased the home. The number “1” represents the ornamental junipers. The number “2” marks the cedar trees. The picture marked “After” is what our home looks like today.

google photo front yard 2011After front yard photo blog 1

After comparing the “before” and “after” photos, it’s apparent that we removed the junipers and cedars. Junipers are bad news during a wildfire because embers can become lodged within them, smolder, ignite and burn at high intensity later after firefighters leave. Firefighters often refer to junipers as “little green gas cans”. I knew these plants were flammable in a wildfire and I ensured this was one of the first plants to remove. The homeowners before me also planted two cedar trees up against the house. The overgrown trees had grown into the roof eaves and were touching the house. This is also a fire hazard and during my first week on the job, I learned that evergreen shrubs such as junipers and trees such as cedar should be located a minimum of 30 feet from the house. In the “after” photo, you can see that these evergreens were removed.

Also in the “after” photo, one can see that we replaced our landscape rock with shredded wood mulch. Unfortunately, on the FIRST day of my job I learned that a home with mulch within the first five feet of a home is NOT desirable. Embers from a wildfire can ignite the mulch, and produce flames next to the house. I also learned that embers are the main reason why homes catch fire during a wildfire. While mulch is aesthetically pleasing, I urge others to not make the same mistake as me and instead use landscape rock, gravel, hard surfaces or herbaceous plants. (Now I have the lovely task of convincing my husband that the mulch MUST be replaced.)

While I have more work ahead of me, these are some of my lessons and experiences as I brave the world of homeownership. To those interested, I highly recommend looking at the publication, “Choosing the Right Plants”. Stay tuned for more of my trials and tribulations!

Jamie Headshot

 

Jamie Roice-Gomes is the outreach coordinator with University of Nevada Cooperative Extension’s Living With Fire Program.  She earned her Bachelor of Science in Wildlife Ecology and Conservation and a Master of Arts in Interactive Environmental Journalism. She was a public relations assistant for Conrad Communications, a public information officer intern at the Nevada Department of Conservation & Natural Resources, and a Biological Science Technician at the USDA-Agriculture Research Service. She also enjoys volleyball, the Great Basin Desert, and spending time with her husband and their mini Australian Shepard. Contact Jamie at 775-336-0261 or [email protected]

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May Means Nevada Wildfire Awareness Month

NWAM Poster 2016.smThe month of May means a lot of things to a lot of different people…great weather, springtime in full gear and school graduations. To the Living With Fire team and our many program partners, May means Nevada Wildfire Awareness Month. The purpose of this effort is to promote wildfire awareness and encourage action. Starting in 2006 as Nevada Wildfire Awareness Week, the program was expanded to the entire month of May to accommodate the growing number of events and activities. Last year, 156 partnering organizations carried out 190 wildfire awareness activities statewide.

This year’s theme is “Create Unity… Fire-Adapt Your Community.” When community members work together to prepare for wildfire, they can effectively reduce the wildfire threat. Go to  http://www.livingwithfire.info/wildfire-awareness-month to learn about activities that will be held near you. You can also order support materials and download an event flyer template if you want to sponsor event in your community.

 

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Fire Adapted Means Being Fire Prepared

Wellington Crescent Photo

Carson City’s Wellington Crescent subdivision was threatened by the Waterfall Fire in 2004. Elements of a Fire Adapted Community, including a community fuelbreak, good access, ignition-resistant building construction and defensible landscapes all helped ensure that no homes or lives were lost.

Dr. Elwood Miller helps you understand Fire Adapted Communities:

As coordinator of the Nevada Network of Fire Adapted Communities, I keep hearing the questions, “What is a Fire Adapted Community?” and “How do you become one?” These questions keep coming up in conferences, small group meetings and individual conversations. By now, numerous definitions have been developed which undoubtedly leads to more confusion and more questions.  Rather than develop yet another definition, I thought a focus on the core concepts may be more helpful.  At the heart of the term, Fire Adapted Community is a mission of survival; survival of people and the place they call home.  And, not only survival, but survival achieved with a minimum involvement of firefighters and their suppression resources. But, how is that possible?  The answer is pre-fire preparation.  In other words, a Fire Adapted Community is one that is fully prepared for the occurrence of wildfire.  It is one where a community of like-minded residents has worked to instill a culture of fire in their community.  It is one where the people have envisioned what it will be like when flames, blowing embers and smoke surround their homes and envelope their neighborhoods and they have mentally prepared themselves for that occurrence.  They have fully accepted their vulnerability and have developed plans to take the steps necessary to ensure their survival.  More than that, they have also taken action to modify their house and the fuels that surround it to make it as difficult as possible for fires to ignite, grow and spread.  In doing this they not only increase the probability that they and their home will survive but they also greatly increase the element of safety for the firefighters that do arrive to provide assistance. Create unity with pre-fire preparation that is broadly accepted, supported, and applied.  That is the key to becoming a Fire Adapted Community. Detailed information on what you need to do, and how to prepare your home and community for wildfire is available at LivingWithFire.info.  Join the Nevada Network of Fire Adapted Communities to connect with others facing the same vulnerability and seeking to increase their chances of survival.  Being fully prepared is what being fire adapted is all about.

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Fire Whirls

Image Source: Wikipedia

Image Source: Wikipedia

Did you know that I grew up in Illinois? Yup… the good ol’ Midwest. We don’t live with the threat of wildfire in that neck of the woods – our “gift” from Mother Nature comes in the form of a mighty whirlwind called a tornado. When I moved to Reno, I thought I had mostly escaped tornadoes … but did you know there is such a thing as a “fire tornado” … otherwise known as a “fire whirl”? This event, although rare, is highly destructive and occurs when a fire is whipped up by strong, hot, dry air currents to form a vertical whirl – literally creating a tornado full of fire!  Their occurrence is not only visually spectacular but alerts firefighters of very unstable air and extreme fire behavior.

Fire whirls can uproot trees and can carry flaming debris great distances! Some of the largest fire whirls can be more than half a mile tall, produce winds over 100 mph and last for more than 20 minutes. Not surprisingly, these flaming tornadoes can ignite new fires by moving into unburned territory. Fire whirls are so threatening, that virtually all state forestry services include fire whirl basics in their training. I don’t know about you, but I am happy that I won’t have to deal with them anytime soon. It definitely helps me to appreciate my firefighters that much more and peaks my awareness level about MY part in being prepared for wildfires. Remember, that while our friend Smokey Bear says … only YOU can prevent wildfires, it is also true that only WE can prepare our homes for wildfire when it occurs. Check out how you can prepare your home for wildfire here!

Do you have any experiences with fire whirls? Please share your stories in the comments below!

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Emergency Notification Systems

Washoe County's CodeRED logo

Washoe County’s CodeRED logo

In July’s post (which you can read here), I talked about the importance of creating a Family Emergency Plan in order to prepare for wildfire. Since I really had no clue what I would do in a real-life evacuation, I decided to do a little research. I inquired about evacuation routes and found out that there isn’t a one-size-fits-all approach for everyone. This is because each incident is different and the routes are difficult to predict. So, it was recommended that I sign up for my specific location’s emergency notification system. For me, this service is Washoe County Code Red. The Code Red Notification system, which is easy and free to sign up for, uses a series of remote computers and telephone lines to relay a recorded message during an emergency. The notifications can be sent to multiple phone lines and email addresses, and will give you specific instructions as to how to respond to an emergency in your area.

It’s also important to pay attention to announcements on the radio or TV and the Emergency Alert System in terms of getting information on a current emergency situation. Social media can be helpful as well. I know that not everyone likes (or understands) social media, but it really is a valuable tool for officials to send information quickly to a large amount of people. I bet your local emergency services department has a social media account! Washoe County’s Facebook page can be found here.

So, I signed up for Code Red and feel a bit more at ease in terms of what to do in an emergency with this information. Why not take some time right now to learn about your area’s emergency notification systems? A good place to start is by calling your county’s emergency management department, local fire department or Sheriff’s department. If you live in Washoe County and would like to sign up for CODE Red, visit their site here. And check out our Wildfire Evacuation Checklist here for more tips on how to prepare for a wildfire evacuation!

Share with us what you learned about your area’s emergency notification systems in the comments. Together, we can all be informed!

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Goat Grazing for Fuel Reduction

goats grazingHey Living With Fire friends, welcome back to our blog! I’m still working on my defensible space and evacuation plan from previous weeks (you can check those posts out here and here).

Today we have something new for you: our very first video blog! In it, we share what happened on my walk a few days ago at Anderson Park in Reno, NV. I was so excited to enjoy one of my favorite walking trails, but discovered that the trail was closed off. Fortunately, our fellow Living With Fire friend, Vince Thomas, was on site and I discussed with him what was going on. You see, he was hired by Washoe Parks and Open Spaces on a grant provided by the Nevada Land Trust, to fix the situation at hand. The trail was closed off due to being overgrown with weeds and brush, which is not only bad for walkers, but is also a wildfire hazard! Luckily, Vince, the owner of Goat Grazers, was put in charge to clear the trail.

In our video blog we discuss what Goat Grazers is, and how they will help the overgrown trail. Let us know in the comments what you think about our first video blog and if you would like us to continue making them. And if you want a good laugh, be sure to check out our second video for some funny “behind-the-scenes” footage.

(Special Note: The information given herein is supplied with the understanding that no discrimination is intended and no endorsement by Cooperative Extension is implied.)

 

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