State Farm Insurance

Homeowners insurance will cover the loss or damage of your home in a wildfire, though getting and maintaining coverage can be difficult if you don't take steps to minimize the risks.While 8 of the 10 costliest wildfires in U.S. history were in California, almost every state faces wildfire risks. An insurance industry group reports that wildfire numbers from the National Interagency Coordination Center show every state but Delaware was affected by wildfires during the first 11 months of 2011.Last year's wildfires torched more than 8 million acres in the U.S., resulting in $855 million in insured losses and $1.9 billion in total economic losses, according to Munich Re, a company that insures insurance companies.Insurers have grown so leery of the losses that some features can make homes practically uninsurable in areas susceptible to wildfires.Insurers want homes to be more fire-smartAt State Farm, insurance won't be written on a home with an unrated wood "shake" shingled roof, says spok...

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