You are here

Property and Auto Physical Damage (APD) Programs

Loss prevention is the key to making your program successful and keeping your premium as low as possible. State Risk Management (SRM) provides services to assist with your safety and loss prevention goals.

Property Program

The Property Program covers buildings used for housing firefighting equipment and contents that are movable. If vehicles are located near an insured property, coverage under the Property Insurance Program may apply.

Auto Physical Damage Program

The Auto Physical Damage Program applies to physical damage of vehicles and equipment while being operated, and only if scheduled with SRM.

Both the Property and Auto Physical Damage Programs include deductibles.

Building and Contents

Fire department personnel should immediately report any additions, or deletions to their building and contents to be covered. Use the Building and Contents Coverage form to report any additions, changes or deletions of buildings or contents. Please follow the instructions on the form and contact SRM if you have any questions.

Buildings owned by a city, county or fire district and used by a participating fire department are eligible for coverage. We cannot insure property owned by or leased from a private entity.

Have a plan of action prepared prior to a property loss. Designate personnel to report claims, supervise repairs, make purchases, track expenses, and submit your claims.

Auto Physical Damage

Fire department personnel should immediately report any additions or deletions of vehicles and associated equipment. When adding a vehicle, information provided must include proof of ownership and the value of the vehicle and equipment, whether fixed or loose. The vehicle identification number (VIN), Tag Number, Make, Model and Year of the vehicle must also be provided. 

Fire vehicles should be valued at replacement cost if they are less than 10 years old.  Fire vehicles should be valued at Actual Cash Value (ACV) if they are 10 years or older.

Use the Auto Physical Damage form to report any additions, changes or deletions of vehicles or equipment. Please follow the instructions on the form and contact SRM if you have any questions.