Gluck Wildfire Defense

Growing Wildfire Exposure: Large swaths of Idaho face high or extreme wildfire danger, prompting insurers to re-evaluate policy terms.

Coverage Gaps: Some homeowners are discovering that their existing policy excludes—or charges more for—wildfire-related damages, especially in remote or forested areas.

Premium Hikes: Insurers are raising premiums and deductibles to offset the greater risk of wildfire losses.

Boise Foothills: Increasing urban sprawl in the foothills means more homes near fire-prone vegetation.

Northern Idaho Forests: Dense woodland areas are highly susceptible to lightning-sparked or human-caused fires.

Salmon-Challis & Sawtooth Regions: Rugged terrain and abundant fuel sources make fires hard to contain, raising risk profiles for surrounding homes.

Rural Residents: Properties near heavily wooded areas or mountainous regions face the highest risk—and the steepest premium hikes.

Older Homes: Dwellings lacking updated fire-resistant materials or modernized defensible space are at higher risk, drawing more scrutiny from insurers.

Homeowners with Lapsed Policies: Those who let their policy expire or switch carriers frequently may struggle to find new coverage if they’re located in high-risk zones.

Climate Shift: Warmer, drier conditions contribute to longer wildfire seasons. Insurers factor in climate data when determining coverage eligibility.

Higher Claim Costs: Wildfires can lead to total home losses, forcing insurers to pay out large sums more frequently.

Underwriting Caution: With mounting losses in multiple states, carriers are more selective about policies in wildfire corridors.

Annual Renewal: Experts urge homeowners to review policy terms each year, especially before fire season ramps up (typically late spring to early fall in Idaho).

After Major Wildfires: If a nearby area experienced a significant blaze, insurers often tighten underwriting or raise premiums in the subsequent renewal cycle.

Home Upgrades: Planning renovations or improvements? Conduct an insurance review once you’ve added fire-resistant roofing or cleared vegetation.

Build Defensible Space

• Clear brush, dead leaves, and debris at least 30 feet around the home.

• Trim tree limbs and maintain spacing to reduce fire spread.

Upgrade Materials

• Opt for fire-resistant roofing, siding, and decking.

• Install metal screens on vents to keep out embers.

Shop Around

• Compare rates and coverage specifics from multiple carriers.

• Check for discounts on protective upgrades, like sprinklers or a Class A fire-rated roof.

Consider State and Federal Programs

• Some states offer fair-plan style programs that provide last-resort coverage.

• Keep informed about potential state legislation that could impact homeowners insurance for high-risk properties.