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Wildfires: insurance and recovery resources
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Following a wildfire or other disaster, getting back to normal can take some time. To assist in the recovery process, the Triple-I has compiled useful information around post-disaster safety, insurance coverage questions, and detailed guidance on how to file a claim.
Safety and resources for recovery
Following a wildfire, new perils such as downed trees and power lines, hotspots and ash can pose risks. And if you have evacuated, it might not be safe to go back home. The following articles provide information and guidance to keep you and your loved ones safe in the aftermath.
Wildfire Facts and Statistics for Reporters
What insurance covers
Damage caused by fire and smoke is covered under standard homeowners, renters and business owners insurance policies and under the optional comprehensive portion of an auto insurance policy. Water losses, or damage caused by fire fighters while extinguishing a fire, is also covered under these policies.
In California, the California Fair Access to Insurance Requirements (FAIR) Plan Association, the state’s property insurer of last resort, covers residential and commercial properties located in brush and wildfire areas.
In the aftermath of a wildfire or other natural disaster, policyholders may have questions about the insurance process, including what is covered and what isn’t. Here are some answers to many of these common questions about home, auto, and other coverages.
Articles:
Tips for wildfire insurance claims
What is covered by standard homeowners insurance?
Environmental liability insurance
Mudslides often follow wildfire; prepare, know insurance implications
Claims
After a disaster, you want to get back to normal as soon as possible, and your insurance company wants to help. You may get multiple checks from your insurer as you make temporary repairs, permanent repairs and replace damaged belongings. Here’s what you need to know about claims payments, including how to file a claim, what to expect during the process.
Articles:
The road to recovery: 3 key steps to simplify filing wildfire damage claims
Understanding the insurance claims payment process
How to file a homeowners claim
Understanding your insurance deductibles
How is the settlement amount determined?
How to file a wildfire claim in California
Videos:
Tips for wildfire insurance claims
Wildfire reality check
Build for wildfire resilience
Wildfire evacuation: Insurance for additional living expenses
Additional resources
Many national organizations and ones in your state may offer resources for recovery that are helpful to you. The following is a general list, followed by specific resources for those affected by wildfires.
Frequently asked questions about FEMA disaster assistance
FEMA Helpline: 1-800- FEMA (1-800-621-3362)
TTY 1-800-462-7585
711 or Video Relay Service (VRS) 1-800-621-3362
Institute for Business & Home Safety
Local resources and insurers
California:
- Insurers operating in California
- Northern California wildfires: Where to find updates on air quality, evacuations, and official information
- Other California resources
Colorado:
Oregon:
Washington: