The number of wildfires in Alberta over the last decade has increased, and many people have found themselves navigating insurance claims in the aftermath of these natural disasters. Here’s what you should know if you’re property is affected by one of Alberta’s wildfires.
Fire damage is covered by home, tenant, and business insurance policies. However, the risk of property damage is only one consideration. If you have been evacuated as a result of the wildfires there can be many unexpected expenses. Most policies will cover reasonable additional living expenses for up to two weeks if you have been forced to leave your home due to an evacuation order.
Policies can be different so speak to your broker if you have any questions. In addition, keep in mind that fire coverage may be difficult to obtain when there’s an active wildfire, especially if your property is at risk. Being prepared for wildfire season in advance is crucial.
How to File A Claim
If you’ve been affected by a wildfire, follow these steps:
- As much as possible, document the damage. Pictures are especially helpful.
- Contact your insurer.
- If you can, gather all proofs-of-purchase for the property and its contents including warranties, contracts, receipts and pictures.
- Save all receipts issued for cleaning and repairs, as well as living expenses if you had to evacuate.
- Check with your insurer to find out what living expenses are covered and for how long.
Once you’ve submitted your claim, your file will be assigned to a claims adjuster who’ll help you through the process of verifying your claimed expenses and completing the process.
Above All – Stay Safe!
Always remember that safety should be prioritized. If you live in an area that’s susceptible to wildfires, make sure to secure your property and remove flammable materials from around your home either entirely or at a safe distance from the home. If a wildfire occurs, be ready to evacuate and follow all directives given by authorities.
Speak to local fire authorities to find what other measures you can and should take to protect your property from damage by a wildfire. Your insurance broker will also have tips and advice that pertain specifically to your policy.
Home and Fire Insurance in the Edmonton area
Alberta insurers are familiar with the dangers of wildfires and working with a trustworthy broker is crucial to ascertaining that you and your family are well-protected. Contact us today at MBS Insurance Brokers to learn more about our services or to get a free quote.