Chloeta Wildfire Response Benefit

Enrollment is free and does not expire unless the customer requests it, or the policy is canceled. There is absolutely no impact to premium (no charge or discount) for this program.

Yes, this is a new benefit and the customer is automatically enrolled so if they want to participate, there is nothing they need to do.

Yes, by completing and returning the opt out form. The customer can opt out at any time during their policy period. Currently, there is not an electronic way to opt out.

Yes, by completing and returning the opt back in form. There is not an electronic way to opt out.

Yes, all homeowner and Landlord Protection® policyholders within the designated wildfire states will receive the letter and opt out form.

Please forward any forms received to:

Liberty Mutual Insurance
PO Box 958416
Lake Mary, FL
32795

They may call our Service Center.

No, it goes to all homeowner and Landlord Protection® policyholders within the designated wildfire states.

An automated phone call will go to the policyholder. Please remember this is not a guarantee of service or that our policyholder will not experience fire damage.

Yes, the vendor will leave an automated voice mail.

The vendor does not provide updates to policyholders.

Chloeta maintains a map of policies-in-force within the benefit footprint and monitors the area to determine wildfire proximity and threat level. The vendor makes operational decisions on which eligible properties are serviced and the types of services provided during a wildland fire response.

Once safe access is secured, mitigation vendor services may include:

• Removing pine needles and leaves from gutters
• Removing flammable vegetation and items from around your home
• Deploying a temporary sprinkler system to protect your home
• Updating you regarding the status of your property and actions being taken to protect it
• Applying a water-based gel or firefighting foam to your home
• Returning any combustible items moved and washing any fire gel or firefighting foam away after the wildfire event

The vendor does not cut trees unless they are down and cross a roadway.

They meet wildland fire incident qualification standards that are compliant with NWCG or NFPA training and physical fitness requirements. Additionally, all personnel providing services have been processed through the U.S. Department of Homeland Security eVerify system.

It's an industry-leading, fire-preventing and heat-absorbing fire-retardant gel that personnel may use to help protect your home and property. The gel particles adhere directly to a house or structure and quickly extinguish any flames or burning materials that come into contact with the gel. It creates a gelled water barrier that effectively helps protect a home or structure for several hours and may prevent internal combustion. It can be rehydrated to extend effectiveness, as needed. The gel is used as a last resort when fighting a fire. It is proven to be effective as it adheres to smooth surfaces such as glass.

Once the wildfire threat has passed, the gel is safely removed by Chloeta, typically using a light washing process with water. The gel is safe for homes and the environment; it is 98% water and can be used on all types of trees and vegetation.

Chloeta will reposition any reasonably movable items away from the structure to a minimally safe distance ideally to a non-flammable surface, such as a driveway. Those items will be returned when it is safe to do so, and photos will be taken of all work performed.

When services are being provided during a wildfire, mitigation personnel work with local fire officials to gain safe access behind fire lines to then provide services. The vendor vehicles will be branded for Liberty Mutual.

Yes, because the policyholder is participating in the benefit.

No

No