What you need to know and do in case of evacuation

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DENVER -- More homes continue to be threatened by the wildfire in Jefferson County it's important to remember having homeowners insurance.

For Doug Looney he wouldn't have his home in Niwot today if he hadn't insured his old home that burned down in the four mile fire two years ago.

And while he had homeowners insurance, he wishes now he would have done more to prepare for wildfire season including taking his collection of Sports Illustrated Magazines with him. The former sports writer only grabbed one magazine from his collection.

"The first edition, August 14, 1954. Cost a quarter.  I think I got a great buy for this magazine that only cost a quarter," said Doug Looney.

The value of this first edition is now priceless for Doug because it's really one of the only things that he owns that's older than two years old.

"This is the one I grabbed off the wall," Looney said.

Doug lost everything when his home burned in Boulder's Sunshine Canyon on Labor Day 2010 in the historic Four Mile Fire.

"With the fire sweeping up the mountainside, with the smoke choking us and the propane tanks exploding... it's a little hard to have all your wits about you," said Looney.

Doug said he had no plan that day of even leaving his home, more or less losing it.  Fortunately though Doug did have his house insured for its full value.  Buying homeowners insurance is the only thing Doug did before his home became ashes.

"The unthinkable can happen.  You can smell the smoke, see the flames. That's when you need to be thinking about your insurance," said Carole Walker, Executive Director of Rocky Mountain Insurance Information Association.

Insurance adjusters believe there are things you can do now including documenting everything you have inside your house using a camera or even your smart phone and you're going to want to document everything including the things inside your cabinets.

"Imagine going back to your home, you got a reverse emergency call and everything is gone. Would you be able to remember that recall that?" said Walker.

Carole Walker with the Rocky Mountain Insurance Information Association wants people who live in Colorado's back country to act now when it comes to getting prepared for wildfire season.

It's something Doug wishes he would have thought more about, but at the same time he is thankful for what he has.

Insurance adjusters suggest that you not only have a plan of things you are going to take with you, but also that you plan on making changes if needed to your home.

They suggest looking into making sure your roof is inflammable and that you also cut any trees or low hanging vegetation that may be close to your home.

All of this they say will help keep your home a little safer during wildfire season.

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