Tuesday, September 15, 2015

Insurance companies should have incentives that encourage 'the safe roof.' It will save lives as well as homes.

Tile, clay tile, concrete and slate shingles (click here) are thick noncombustible materials can be manufactured to look like wood shingles. They have a Class A rating and provide the best protection against fire.

The reason so many homes burn propagating the fire to continue is because the wind carries the EMBERS that land on a home's roof.

Insurance companies should lobby states with high fire threat to homes for installation of slate roofs. Lobby for funding to improve the roof on homes in these high risk zones.

The better performing roofs will actually help end the fire. Those roofs will be a stop break for the fire if the embers don't light up roofs and CONTINUE the spread of fire. 

Government needs to assess the promise of such roofs and remap any anticipated fire zones and treat them as rankings no differently than flood zones so insurance companies can charge more for lack pf protections.

If governments provide for funding for new roofs that are fire resistant such as slate, and then publish 'fire maps,' it will be viewed by voters as reasonable. The fire maps along with funding will help people protect their homes. The slate roof that acts as a 'fire break' will actually begin to lower the risk, hence, lower the home owner insurance. The better quality roof will ultimately provide safer communities in theses fire areas.

Please don't simply feed the insurance companies with higher costs to consumer for living in these fire zones. Government has to be a partner in these zones. It will create safer communities and save lives. That is good governance and not simply feeding Wall Street with higher profits.

Roof construction allowing for vents along the peak of the roof will also help reduce the need for air conditioning during times of high temperatures. The construction supporting 'efficient' roofing should accompany the funding to bring permanent financial relief to voters. Why save on home insurance if the cooling and heating of the home prove to be expensive. This is an opportunity for good governance that accomplishes benefits for voters. It is about saving lives and quality of life. This is a good thing. It takes adversity and changes it into opportunity.