Collectibles / The Desk
Wildfire Planning Separates Insurer Enrollment From Collection Emergency Roles
Carrier services and a documented response plan answer different operational questions for advisers overseeing private collections.

Wildfire planning raises two different operational questions for a private collection: enrollment in insurer services and the assignment of emergency response roles.
Valuation, Risk and Control Evidence
Documented valuation, risk and control factors shape the portfolio decision.
| Evidence | Documented by |
|---|---|
| Aam Us | |
| Aam Us |
Selected: Decision controls — Aam Us
Chubb describes a wildfire defense program and directs customers to their agent or broker to check whether their home is eligible.[1] [https://www.chubb.com/us-en/individuals-families/resources/protecting-your-art-other-valuables-from-wildfire-damage.html] The American Alliance of Museums recommends an emergency plan, with staff, governing authority members and volunteers trained for their roles.[2] [https://www.aam-us.org/programs/ethics-standards-and-professional-practices/disaster-preparedness-and-emergency-response-plan/]
Chubb identifies wind, embers, smoke and flames as risks to art and other valuables.[1] [https://www.chubb.com/us-en/individuals-families/resources/protecting-your-art-other-valuables-from-wildfire-damage.html] AAM explains that a current disaster plan helps museums assess risks, protect people and recover after an emergency.[2] [https://www.aam-us.org/programs/ethics-standards-and-professional-practices/disaster-preparedness-and-emergency-response-plan/] Its institutional guidance offers an operational reference for private collections; it does not establish their legal duties.
Advisers adapting that guidance can ask who holds emergency decision authority, how instructions would reach handlers, and which collection records would remain accessible if the location became unavailable.
Checking insurer eligibility and documenting a response plan are separate preparations. An adviser can clarify who would confirm enrollment and who would coordinate movement or temporary custody before a crisis. These questions do not assume that a policy guarantees evacuation or that any particular handling service is available.
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Sources
- 01
Chubb
Tips to protect collectibles from wildfire damage | ChubbAug 11, 2026
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Wildfire seasons are increasing in length each year, with fires that bring strong winds, flying embers, smoke, and large flames. With a little planning, you can help protect your home, art and other collectibles from a wildfire. Below are a few tips to get you started: Enroll in Wildfire Defense Services. Available for no additional charge, this program helps protect your family, house, and property if a wildfire approaches your home and has saved our policyholders millions in property damage. Contact your agent or broker to see if your home is eligible for Chubb’s Wildfire Defense Services. For more information and to enroll, go to the Client log-in page , visit the Catastrophe Services section, and click on Wildfire Defense Services. Make sure the fire department has access to your property. If your residence is gated, contact the fire department each year to share gate codes, talk about how they will access gates during a power outage, and make sure they have enough driveway clearance. Ensure your property address is clearly visible from the road, with illuminated numbers and/or a contrasting background. This helps emergency responders identify your property quickly. Clearly mark hydrants and water sources on or near your property . Work with your local fire department to determine water sources outside your property lines. Check your alarms. Each year inspect your home and
- 02
Aam Us
Disaster Preparedness and Emergency Response PlanDec 6, 2017
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Museums care for their resources in trust for the public. It is therefore incumbent upon them to ensure the safety of their staff, visitors and neighbors, maintain their buildings and grounds, and minimize risk to the collections that they preserve for future generations. A current, comprehensive disaster preparedness and emergency response plan helps a museum to assess and manage risk, protect human life, and recover from natural and manmade disasters. Creating a plan and training museum staff, governing authority members, and volunteers on their roles within it ensures that a museum will be equipped to handle even the worst-case scenarios. A Disaster Preparedness and Emergency Response Plan is a Core Document and supports the Facilities and Risk Management Core Standards . Includes preparedness and response plans for all relevant emergencies and threats (natural, mechanical, biological, and human) Addresses the needs of staff, visitors, structures, and collections Specifies how to protect, evacuate, and recover collections in the event of a disaster Includes evacuation routes and assembly areas for people Assigns individual responsibilities for implementation during emergencies Lists contact information for relevant emergency and recovery services National Standards and Best Practices for U.S. Museums (free PDF copy for all AAM museum members) Standards Regarding Facilities a