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. In addition, resources specific to those in California, Washington, Oregon and Colorado affected by wildfires are also included.
The Bond Fire in Orange County was 55 percent contained by December 6, but not before consuming thousands of acres and destroying 30 structures and damaging another 21. Almost 1,500 firefighters were assigned to the blaze, with dry and windy conditions still possible in several areas. Although evacuation orders lifted on December 6, residents in five communities are still being told to prepare to leave. According to the National Weather Service, widespread critical fire weather conditions were expected to continue through December 8.
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.
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.
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.
Tips for wildfire insurance claims
Additional Living Expenses
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.
FEMA Helpline: 1-800- FEMA (1-800-621-3362)
711 or Video Relay Service (VRS) 1-800-621-3362