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<br />"Fire protection is a <br />critical business." <br /> <br />Landowners: <br />Public forest and watershed land agencies have established funding and <br />protection mechanisms to handle traditional wildfires. Private landowners <br />do so through their general taxes. For those who depend upon their land <br />for their income or property value, every tree and acre burned can be an <br />immediate direct loss. When forest and watershed fire forces and funds are <br />used to save buildings, the natural resource interests of landowners and the <br />general public are abused or neglected, <br /> <br />Fire Insurance: <br />Fire insurance rates, excluding metropolitan areas, are mainly determined <br />by three factors: <br /> <br />1. The type of materials and construction of the insured building. <br /> <br />2. The level of fire protection provided. <br /> <br />3. The overall fire losses experienced. <br /> <br />Although the insurance industry is showing concern about interface fires, <br />insurance premium rates do not yet consider the extra risk for buildings <br />located in the interface. Insurance companies spread their fire losses <br />among all other policyholders with similar protection. When structure ftre <br />losses go up, premiums are increased. All insured homeowners are <br />affected, Furthermore, any wildfire safety measures by a homeowner do <br />not yet result in lower premiums, <br /> <br /> <br />. <br /> <br />-, - <br /> <br />"'<n: <br />'V <br />..........--- <br /> <br />... - <br /> <br />13 <br />