Homeowners Insurance In Australia

Should you defend your home against wildfire -- or be resigned to an insurance ...

Wildfire season can bring lots of anxiety to homeowners, particularly in fire-prone parts of the country. That's why some residents and homeowner insurance companies are taking an active role in fighting fires.

In recent years, whole communities have been evacuated when major fires threatened residential areas in California, Montana and other Western states. While most people would never dream of ignoring official orders to evacuate, a small group of homeowners is deciding not to automatically their flee residences in the event of major fires.

Instead, these homeowners are choosing to remain in their homes--guarding against blowing embers, putting out small spot fires and generally taking precautions to prevent their houses from being destroyed.

The practice is called "stay and defend," and it has its roots in firefighting policies that are common in Australia, where officials found nearly 30 years ago that it's often more dangerous to leave a home once a fire front approaches than it is to stay indoors. In 1983, during the "Ash Wednesday" brushfires in Australia, 75 people died trying to flee the flames.

More recently, the worst bushfire in Australian history--a 2009 event known as " Black Friday "--killed 173 people and led Australian officials to recommend overhauling, but not abandoning, "stay and defend." One change: Officials suggested issuing stronger, clear-cut warnings about the possibility of death if one chooses to remain behind to defend a home.

Little wonder, therefore, that in America the "stay and defend" concept is controversial and not widely utilized. But it does have its proponents.

One of them is Alan Tresemer, captain of the Painted Rock Fire Rescue Co. in the small rural Montana community of Alta. It has just 60 or so permanent families, but in the summer the local population swells to around 15,000 visitors.

"We were the first in the U.S. to take on the Australian style" of fire management, Tresemer says."We simply recognized that everybody needs to prep their property because many people get stuck there in a fire anyway.

Comparing Home Loans Australia » Homeowners Insurance

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