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| Prestige Home Premier Green Upgrade |
To help Prestige Home Premier policyholders in Southern California in areas impacted by wildfires, Firemans Fund has launched a series of upgrades, at no cost, intended to assist customers who have experienced losses.
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Click here for a list of online resources on rebuilding green. Impacted policyholders can get more details by talking to your claims professional, 888-FIREHAT (347-3428).
| Upgrade |
Highlights |
| Green Construction |
In the event that covered property is damaged or destroyed by an applicable cause of loss we cover, we will pay your additional cost to repair or replace with property that meets the following standards regarding environmental safety and energy efficiency:
• Energy Star listed appliances including clothes washers and dryers, dishwashers, refrigerators and freezers.
• Energy Star listed Home Envelope including home sealing (insulation and air sealing), roof products, windows, doors and skylights.
• Energy Star listed Heating and Cooling systems including air-source heat pumps, boilers, central air conditioning, central fans, dehumidifiers, furnaces, geothermal heat pumps, home sealing (insulation), programmable thermostats, room air conditioners, ventilating fans.
• Low Volatile Organic Compounds (VOC) paints, adhesives and sealants.
• Energy Star listed Lighting fixtures, light bulbs and ceiling fans.
• Federal Energy Management Program (FEMP) designated Plumbing Fixtures.
• Carpeting that has passed the Carpet and Rug Institutes standards for low emissions.
• Where available, use of Forest Stewardship Certified wood for millwork, ceilings, siding and framing.
• Wood flooring can be replaced with eco-friendly bamboo material. |
| Trees, Shrubs, Lawns, and other plants |
What's Covered Now: Your current policy covers trees, shrubs, plants, or lawns or grounds on the residence premises for loss caused by Fire or Lightning; Explosion; Riot or Civil Commotion; Aircraft; Vehicles not owned or operated by a resident of the residence premises; Vandalism or Malicious Mischief, or Theft.
The policy calls for payments of up to $1,000 for each tree, shrub, plant, or lawns or grounds including debris removal, and up to 10% of the limit of insurance for Personal Property or $10,000, whichever is greater, for loss in each occurrence.
What the Upgrade Provides: We will pay up to $10,000 for each tree, shrub or plant (based on the replacement cost of the damaged item with like kind and quality) or up to 10% of the limit of Personal property or $50,000 whichever is greater for loss in each occurrence when you replace it after an occurrence with one that reduces the risk of wildfire spreading to the dwelling or other structure.
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| Pets |
We will pay up to $25,000 for:
• Reasonable veterinarian service charges to treat animals you own that are injured due to an occurrence regardless of the number of animals that are injured.
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