The Cram Fire Is a Wake-Up Call: Is Your Insurance Ready for Wildfire Season?

As of July 24, the Cram Fire has burned more than 95,000 acres near Madras, making it the largest active wildfire in the United States. Containment is improving, but the impact across Central Oregon is undeniable—disrupted air quality, shifting evacuation zones, and growing questions about how to protect what matters most.

At TRIA (The Robson Insurance Agency), we want to help you turn that concern into action by asking a simple but critical question:

Is your insurance prepared for wildfire season?

Wildfires Are No Longer a “What If”

Year after year, fire season in Central Oregon becomes more extreme. Drought, wind, and heat continue to push fires into new territory—physically and financially. And while go-bags and defensible space matter, your insurance policy is just as essential to your wildfire readiness plan.

5 Insurance Questions You Should Be Asking Right Now

1. Do I have enough coverage to fully rebuild?

A policy based on actual cash value may leave you underinsured. We’ll help you confirm that you’re covered at current replacement costs—not outdated numbers from five years ago.

2. Are my outbuildings and equipment covered?

Garages, sheds, tools, and recreational vehicles may not be included in your base policy. It’s worth reviewing.

3. What happens if I need to evacuate?

Coverage for temporary housing, food, and transportation—called “loss of use” coverage—is a detail many homeowners overlook until they need it most.

4. Is my home inventory up to date?

The fastest way to support a claim is with a current, documented list of your belongings. If you don’t have one, we’ll help you start.

5. Is my current policy at risk due to location?

Insurers are pulling out of high-risk areas across the West. If your carrier has raised rates or flagged your address, we’ll explore alternative options that protect your home without breaking your budget.

Fire Prevention Can Lead to Better Coverage

Insurers often reward proactive homeowners. If you’ve done any of the following, let us know:

• Removed brush or built defensible space

• Replaced roofing or vents with fire-resistant materials

• Added exterior upgrades that reduce risk

We’ll make sure those investments are reflected in your policy—and in your premium.

Your Local Insurance Partner in a High-Risk Season

As a family-run agency in Bend, we understand what’s at stake. We’re not a call center or a chatbot. We’re your neighbors—and we’re here to make sure your policy is ready before you ever need to use it.

Don’t wait for an evacuation notice to double-check your coverage.

Whether you need a full policy review or a quick check-in, our team is here to help you understand your options and take the right next step.

Contact us today to schedule a wildfire readiness review.