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insurance: bushfire
In bushfires, radiant heat, dehydration and asphyxiation are the main killers. Well-prepared houses resist brief exposure to fire, protecting occupants who can save their homes.

 Before the bushfire season

Prevent/Prepare
 remove rubbish, leaf litter and native shrubs close to buildings
 form a wide firebreak around your home, eg short, green grass (use mower, spade, rake), trim branches well clear of the house. Clear roof and gutters of leaves, twigs etc
 fit wire screens to doors, windows and vents, and enclose all gaps, roof eaves and the area under your house
 store wood, gas, petrol, paint etc well clear of the house
 keep ladders handy for roof access (inside and out). Fit hoses to reach all parts of the house and garden. If mains pressure water is not connected, obtain a high pressure pump
 check you have adequate insurance cover for bushfire
 agree on a household plan to leave early or stay to protect your home during a bushfire (see below). If leaving, plan when, where, how you will go and what to take

 If a bushfire approaches

Prepare as above, unless you have decided to leave early or are ordered to do so. Stay in the house after taking these precautions:

Leave/Protect
 phone 000 - don't assume the fire service knows
 turn off gas. Put door mats inside. Close vents, windows, doors, and block gaps from the inside with wet towels
 fill baths, sinks, buckets and bins with reserve water
 plug downpipes with rags and fill gutters with water
 remove curtains, cross-tape windows and move furniture clear
 wear long, woollen or heavy cotton clothing, solid boots or shoes, a hat or woollen balacalva, and gloves
 hose down all walls, garden etc on sides facing the fire and watch for spot fires from flying sparks or embers
 as the main fire-front arrives, go inside with hoses, away from windows, while it passes (usually 5 to 15 minutes)
 quickly extinguish any fires which may have started in, near, or under the house or roof
 check inside roof too
 if the house is alight and can't be extinguished, move to burnt ground. Don't go-wait for help
 listen to battery radio for updates

 If caught in a fire driving

Shelter in a car
 don't drive into or near bushfires. If caught in a bushfire don't drive through flames or thick smoke
 stop in an area of low vegetation. Leave motor running and airconditioner (recycle), hazard lights and headlights on
 stay inside unless near safe shelter. Keep vents, windows and doors closed. Lie inside, below window level, under a woollen blanket for skin protection
 after the main fire-front passes, if car is on fire or heat and fumes inside are severe, get out and move to already burnt ground, keeping your whole body covered with the blanket
 The fuel tank is unlikely to explode in the period you need to stay in the car while being shielded from the deadly radiant heat of the main fire-front.

 Emergency survival requirements

If faced with the dangers of body dehydration, smoke inhalation and radiant heat from flames, emergency protection is possible, even in high-intensity fires. Wrap yourself in a heavy, pure wool blanket and carry water to drink; use moistened blanket corner as a smoke mask.

 If caught in fire, on foot

Seek Shelter
 don't panic - cover all exposed skin and hair
 move across-slope, away from the fire-front, then down-slope towards the rear of the main fire-front
 find open or already-burnt ground. Don't try to outrun fire, or go uphill, or through even low flames, unless you can clearly see a safe area very close by
 if you can't avoid the fire, lie face-down under a bank, rock, loose earth or in a hollow, or if possible get into a dam or stream, but not a metal water tank
This information is brought to you by Emergency Management Australia, a Commonweatlh Government Agency. Neither Reckon Ltd ACN 003 348 730, nor Reckon.com.au Pty Ltd ACN 079 120 568 accepts any responsibility for the completeness or accuracy of such information.