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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 FortMacFire@IBC.ca

Frequently Asked Questions

For answers to the most pertinent issues, click on the appropriate subject heading:

For non-insurance questions related to debris removal:


What insurance covers

Most 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 process

If 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 steps

  • Once 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 Documents

Anyone 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 FortMacFire@ibc.ca.

For more information, consumers can also visit www.ibc.ca.


Fact Sheets


            Fire-Damaged Vehicles

            Fire-Damaged Vehicles


            Fire Damage to Homes

            Fire Damage to Homes


            Fire Damage to Businesses

            Fire Damage to Businesses