A fire guard will prevent that lovely roaring fire from spitting embers onto the rug in front of the fire (there’s always a rug in front of the fire isn’t there?). Total structure fires in the US in 2014: 494,000, Total losses due to fires in 2014: $21,821,000, Property loss due to fires in 2014: $9,846,000. This will not cover not only fires, but also tornadoes, flooding, and other damages that happen on your watch. Join the growing network of recognized Firewise sites from across the nation taking action and ownership in preparing and protecting their homes against the threat of wildfire. In rental properties, fires can cause major disputes between landlords and tenants. For the business owner, this is a major cause for concern that must be addressed with liability insurance. The story also describes how the remarkable partnership between neighborhoods at risk and the Colorado Springs Fire Department has educated and enabled homeowners to actively participate in wildfire mitigation. But your liability insurance will only pay for the damage if you directly caused the blaze, meaning you’ll be responsible for these damages out-of-pocket unless you sought additional coverage in advance. The objectives of the Colorado Springs Fire Department Wildfire Mitigation Unit are to: Vegetation management and reducing your risk of wildfire go hand in hand. From space heaters to deep fryers to outdated wiring, there are potential fire hazards everywhere. Fire legal liability refers to who is ultimately responsible for paying for damages related to a fire. Loss, Colorado Springs Wildfire Mitigation Story Map, Create awareness of wildfire risk in the city's wildland-urban interface (WUI), Deliver mitigation information that assists homeowners in reducing their risk. This story highlights how Colorado Springs’ fire resistive building codes and design standards have significantly reduced wildfire risk and greatly improved the community’s resilience to wildfire. Contact Phone: (719) 385-5950 Refer to section D of the HMGP Post Fire Policy #207-88-2 and the HMGP Post Fire Policy fact sheet for additional information about management costs. Both are national programs. One night while closing up, an employee accidentally leaves a steamer plugged in. Contact the Fire Department (Non-Emergency). After everyone has locked up and left for the night, the steamer catches on fire, sending the whole building up in smoke. It is a stage or component of … The mission of the Colorado State Forest Service is to achieve stewardship of Colorado’s diverse forest environments for the benefit of present and future generations. NFPA's Firewise USA® program teaches people how to adapt to living with wildfire and encourages neighbors to work together and take action now to prevent losses. For the business owner, fire damage legal liability is included under their commercial general liability policy. By the time local firefighters stop the blaze, the building has suffered $75,000 worth of damage. You can request a legal liability coverage form from your insurance provider, which will give you additional coverage for any type of damage sustained by the commercial property while you are a tenant. Fax: (719) 385-7388 Fire Mitigation Information: The CSFS can speak to a group of landowners about fire mitigation at a community or individual property level. For additional information, please contact the Wildfire Mitigation office at 719-385-7342. If your business is renting the property that goes up in smoke, you could be liable to pay for damages. If you wait until a fire starts to think about liability issues, it will be too late. Use fire-resistant materials to build, renovate or make repairs. If you are part of a community that wants to reduce the negative impacts of wildfire, ask us about becoming a Firewise Community or a Fire Adapted Community.