When the fire is out, the disruptions begin

Wildfires don’t just burn. They block roads, foul air, taint water systems and snarl supply chains — often for weeks and even months after the last ember fades. “The flame is only the start,” says Andrea Albertini, Senior Risk Engineer at Allianz Commercial. “Most delays come from access, utilities and hidden contamination — not the fire itself.”

The most common early brake on recovery is simply getting people and goods to the site. Police cordons and safety closures can prevent staff, suppliers and customers from returning. 

“Access restrictions are the No. 1 continuity issue in the first three days,” Albertini says. “If trucks and teams can’t reach you, nothing else moves.”

What you need to have established are:

  • Alternate access routes and delivery points
  • Re-entry letters/passes agreed with local authorities
  • A call tree and channels for staff, suppliers, and customers

As emergency response stabilizes, utility problems rise to the surface. Power and telecoms are patchy; generators help, but diesel resupply can be hit-and-miss inside a disaster zone. The quiet single point of failure is water. “Post-wildfire, you can see sediment, metals, organics and even fire-retardant residues in the system,” he explains. That affects drinking water and process water. 

The fix is unglamorous but essential — plan for weeks, not days: 

  • System flushing and backflow prevention
  • Onsite storage sized for critical processes
  • Temporary treatment skids (carbon or membrane filtration)
  • Named utility contacts and priority-restoration agreements
With ground cover burned away, slopes can fail during later storms, triggering debris flows, landslides and flash floods that cut roads and rails. “These secondary perils hit both the United States and Europe,” says Albertini. “The US has more mature debris-flow warnings, but the risks are similar. You have to plan for transport and utility interruptions long after the fire line is cold.”

Smoke travels far ahead of flames, carrying soot and ash deep into bearings, sensors, robots, filling lines and cleanrooms. “That’s how you get premature bearing failures, overheating, bad product quality and even product recalls,” he says. 

The playbook: 

  • Secure a priority contract with a specialist decontamination firm before wildfire season.
  • Clean first, then test and recertify critical spaces and equipment. 
  • Document every step — photos, logs, test results — to avoid warranty and insurance disputes.

Speed comes from a wildfire-specific continuity plan — tested, updated and drilled. Standout traits Albertini sees in the fast starters are:

  • Pre-mapped alternative access routes and logistics.
  • Pre-agreed utility priorities and named contacts for power, water and telecoms.
  • Clear crisis communications (staff, authorities, suppliers, customers, public).
  • People plans: remote-work options, welfare support, roster depth.
  • Annual exercises with lessons folded back into the plan.

“Generic plans focus on critical equipment,” he says. “Wildfire plans must also cover everything outside your fence — roads, bridges, utilities and your suppliers’ constraints.”

If a supplier or customer site is damaged and you lose income, build the chain of evidence: official damage reports and dated imagery; contracts and POs showing dependency; authority closure orders and utility outage confirmations; time-stamped communications about cancellations; and pre-/post-loss financials plus extra-expense records. “Dates and times matter,” Albertini emphasizes.

Start with low-cost, high-return steps:

  • Defensible space & vegetation management around buildings and yards.
  • Ember-resistant vents/meshes on buildings and rooftop equipment.
  • Class A roofing; fire-rated windows/siding where exposure warrants it.

Then medium investments:

  • Automatic sprinklers in key areas; improved air-intake/filtration to reduce smoke ingress.

And strategic upgrades:

  • Microgrids (onsite generation + storage) to ride through grid outages.
  • Redundancy for power/water/telecom and the ability to island operations.

“Don’t wait for flames at your fence line. Plan access, water and cleanup now. Those three steps can make you a priority and save you weeks when everyone else is calling for the same help.”

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The Allianz Group is one of the world's leading insurers and asset managers serving private and corporate customers in nearly 70 countries. Allianz customers benefit from a broad range of personal and corporate insurance services, ranging from property, life and health insurance to assistance services to credit insurance and global business insurance. Allianz is one of the world’s largest investors, managing around 761 billion euros* on behalf of its insurance customers. Furthermore, our asset managers PIMCO and Allianz Global Investors manage about 1.9 trillion euros* of third-party assets. Thanks to our systematic integration of ecological and social criteria in our business processes and investment decisions, we are among the leaders in the insurance industry in the Dow Jones Sustainability Index. In 2024, over 156,000 employees achieved total business volume of 179.8 billion euros and an operating profit of 16.0 billion euros for the Group.

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