Wildfire in Fort McMurray and Surrounding Area If your home, car or business was damaged in the northern Alberta wildfire, here is some information to help you understand your insurance coverage and the various stages of the claims process. If you don’t see the information you’re looking for, contact Insurance Bureau of Canada’s Consumer Information Centre at 1-844-2ask-IBC (1-844-227-5422) or firstname.lastname@example.orgInsurance Dispute Resolution At-a-Glance (PDF) What you need to know Three Years Later (PDF)Frequently Asked Questions For answers to the most pertinent issues, click on the appropriate subject heading: Home Insurance Renewal on a Total Loss Choosing a Contractor What to Do if I Disagree with My Insurer Timing of the Rebuild Rebuilding in Winter Additional Living Expenses (ALE) Cash Settlement Duplex Homes Property Tax Health & Safety What insurance coversMost home and business insurance policies cover fire damage. If residents have to leave their homes because of a mandatory evacuation order issued by civil authorities, most home and tenant's insurance policies will provide coverage for reasonable additional living expenses for a specified period of time. Your insurance representative is at the ready to clarify the details of your policy.The claims processIf you have been affected by a wildfire, when safe to do so, take the following steps:Assess and document the damage. Taking photos can be helpful.Call your insurance representative and/or company.List all damaged or destroyed items.If possible, assemble proofs of purchase, photos, receipts and warranties. Take photos of the damage and keep damaged items unless they pose a health hazard.Keep all of the receipts related to cleanup, and if you've been displaced, keep the receipts for your living expenses.Ask your insurance representative what living expenses you're entitled to and for what period of time.Next stepsOnce you have reported a loss, you will be assigned a claims adjuster. It may take some time, given the number of people affected by the wildfires, but you will be contacted.The claims adjuster will investigate the circumstances of your loss, examine the documents you provide and explain the process. Take notes during the conversations and don't be afraid to ask questions.Your insurance company will ask you to complete a Proof of Loss form, to list the property and/or items that have been damaged or destroyed, with the corresponding value or cost of the damage or loss. You must sign and swear that the statements you make in the Proof of Loss form are true. Ask your insurance representative or claims adjuster to clarify anything you are unsure about.Important Insurance 101 DocumentsAnyone with questions should contact their insurance representative or for more information contact IBC's Consumer Information Centre at 1-844-2ask-IBC. Consumers can also direct emails to email@example.com.For more information, consumers can also visit www.ibc.ca. Filing an Insurance Claim Understanding your home insurance policy Understanding your tenant insurance policy Insurance terms explained Cancellation of policies prior to the fire Landlord and tenant issues and questionsAdditional Living Expenses Fact Sheets Fire-Damaged Vehicles Fire Damage to Homes Fire Damage to Businesses Filing an Insurance ClaimSometimes life happens. If you’ve been in a collision or if your home has been burglarized or damaged in some way, you’ll want to get your life back to normal as quickly as possible.Fort Mac Fire - Home InsuranceIf residents have to leave their homes because of a mandatory evacuation order issued by civil authorities, most home and tenant's insurance policies will provide coverage for reasonable additional living expenses for a specified period of time.Fort Mac Fire - Auto InsuranceDamage to vehicles from fire, wind, hail or water is usually covered if comprehensive or all perils coverage auto insurance has been purchased.Fort Mac Fire - Business InsuranceBusiness interruption or business income insurance is an additional policy to your existing business property insurance policy that covers your earnings during an unexpected shutdown.Wildfire Safety - What you need to knowWildfires are a real and present danger, especially if you live in a grasslands region or have a heavily forested area. However, you can take measures to protect your family, your home or your business. Let's look at these measures step by step. Useful LinksCrisis Management - Auto InsuranceIn times of crisis, slowing down is often the best approach. A crisis can be weather related. Whether your vehicle has been damaged by water, wind, fire, ice or an earthquake, make sure you know what to do in the event of an emergencyCrisis Management - Home InsuranceFrom floods to fires to earthquakes, severe weather can damage your home. A home robbery or attempted break-in can put you, your family and your property, at risk. If you’re in a crisis situation that could affect the structure of your home or your own health, keep calm and seek alternate shelter immediately. Crisis Management - Business InsuranceA crisis can happen at any time, threatening an organization in a multitude of tangible and intangible ways. Following best practices in risk management – including creating a business continuity plan – can mean the difference between recovery and bankruptcy. Disaster Safety KitWhen a natural disaster occurs, it can take first responders as long as 72 hours to reach people in non-critical situations.