Following the January wildfires that caused property losses and evacuations across parts of California, Mercury Insurance is advising homeowners to take a closer look at their insurance coverage and emergency plans as part of Wildfire Awareness Month.
The early-season fires, which damaged structures and highlighted preparedness gaps, underscored the importance of reviewing policies before peak wildfire conditions return in the summer and fall. Mercury Insurance is encouraging policyholders, particularly those in high-risk areas, to update their coverage and prepare for possible evacuations.
“Preparing for a wildfire evacuation involves several critical actions, and starting early is one of the best ways homeowners can protect their families and communities,” said Kelly Butler, vice president and chief underwriting officer at Mercury Insurance.
According to the company, some homeowners affected by the January fires discovered their coverage limits were outdated, leaving them underinsured for rebuilding costs. The insurer recommends that policyholders check their dwelling limits, review any replacement cost endorsements and account for increased labor and material costs that have pushed up reconstruction expenses in many parts of the state.
The company also advises homeowners to document their property by photographing or recording all rooms and valuable items. These records can support insurance claims if a loss occurs. Digital storage is recommended to ensure access if physical documents are lost.
In addition to policy reviews, Mercury is urging homeowners to prepare go-bags with essential items such as identification, prescriptions, contact information, and insurance documents. Drivers are encouraged to keep gas tanks at least half full during wildfire season and store printed maps and emergency contacts in their vehicles.
The January wildfires showed that evacuation orders can come with little notice. Mercury is encouraging policyholders to enroll in local emergency alert systems, which played a key role in helping residents leave safely earlier this year.
Before evacuating, the insurer recommends taking steps to limit property damage, including closing all windows and doors, turning off gas lines, and clearing combustible items from the yard. Leaving out hoses and ladders can assist firefighters responding to the area.
“Wildfires can move fast, so preparedness needs to be second nature for families in vulnerable areas,” said Butler. “These small steps not only protect your safety — they can also give first responders a better chance to defend your home.”
