BC Wildfire If your home, car or business was damaged as a result of a 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.org FAQs & What you need to knowWildfire SafetyAdditional Living ExpensesFiling an Insurance ClaimCan I keep my fridge and freezer?Health and SafetyLandlord and Tenant Issues and QuestionsChoosing a ContractorInsurance Dispute Resolution At-a-GlanceInsurance During WildfiresWildfire Insurance Q&ATIPs SheetsFire Damage to HomesFire Damage to VehiclesFire Damage to Businesses 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 homeowner's 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.Please note: Home insurance is readily available across Canada. However, when an active wildfire threatens a home or community, it may be more difficult to obtain this coverage until the wildfire is contained or the threat passes. Homeowners at risk of wildfire are encouraged to review or purchase insurance before their home is threatened. Insurers typically will renew home insurance policies when a wildfire is threatening a home or community, however you may not be able to make any substantial changes or purchase a new policy. Any offer to purchase a property during the active wildfire season should include a condition on insurability. If the buyer cannot secure coverage, the closing can be postponed or cancelled. If you are selling a property during this period, do not cancel your existing coverage until after closing. Please contact your insurance representative to help answer questions on 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 ordered to leave your home, keep the receipts for your living expenses.Ask your insurance representative what living expenses you're entitled to be reimbursed for 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.Health and SafetyIs air-quality or soil testing covered under my insurance policy?Coverage of any air or soil quality testing is based on the policy's terms and conditions, however, most home insurance policies do not insure the land; therefore, it's unlikely that soil testing would be covered. My home had a lot of smoke damage and I'm concerned about toxic residue on surfaces. Would testing the interior of my home for health concerns be covered by insurance?Speak with your insurance representative to determine if testing is warranted and if the cost is covered under your policy. Anyone with questions should contact their insurance representative or contact IBC's Consumer Information Centre at 1-844-2ask-IBC or email@example.com. BC Wildfire - Home InsuranceMost home and business insurance policies cover fire damage.BC Wildfire - Auto InsuranceDamage to vehicles from fire, wind, hail or water is usually covered if comprehensive or all perils coverage auto insurance has been purchasedBC Wildfire - Business InsuranceBusiness interruption or business income insurance is an additional policy to your existing business property insurance policy that covers your earning during an unexpected shutdownFiling 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.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. Related ServicesFireFire is a common fear. Wildfires are difficult to contain and unpredictable. Learn how to extinguish home fires and reduce your risk of a home fire. Home InventoryA current inventory of your belongings makes it easier to file a claim. Keeping your records off-site is wise in case a fire or flood damages your property. Consider updating your home inventory each spring and advise your insurer of any major purchases. 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.