With four active wildfires in Newfoundland & Labrador, including two that are currently listed as out of control, Insurance Bureau of Canada (IBC) has deployed its Virtual Community Assistance Mobile Pavilion (V-CAMP) to provide insurance information to affected residents.
IBC is in close contact with provincial government and emergency management officials, as well as with municipal officials in the affected communities. This situation is changing rapidly.
“Unfortunately, local officials have confirmed that a wildfire that forced residents in Conception Bay North to evacuate, has now resulted in the loss of multiple properties. Our hearts go out to the individuals and families whose lives have been disrupted and whose property has been damaged,” said Amanda Dean, Vice-President, Ontario and Atlantic, IBC. “We thank all the first responders and emergency officials who have been working so diligently to protect lives and property. The priority right now is the safety of those affected and their loved ones. While recovery efforts continue, rest assured that anyone whose property was damaged can contact their insurance representative when they are ready to start the claims process. Those with general insurance questions are encouraged to contact IBC’s Consumer Information Centre at 1-844-2ask-IBC.”
Insurers serve as “second responders” in the recovery period after catastrophe strikes. IBC's V-CAMP is staffed with trained insurance industry personnel at IBC’s Consumer Information Centre at 1-844-2ask-IBC (1-844-227-5422) and AtlanticCIC@ibc.ca to help address consumers’ general questions about their home, business or vehicle insurance policies. Affected residents can also visit IBC’s Wildfires & Insurance webpage to learn more about insurance and the various stages of the claims process.
When the Smoke Clears . . . What’s Covered?
Virtually every home insurance policy covers damage caused by fire, even if the fire began on a neighbouring property, as long as the fire was not started intentionally by the policy holder.
Damage to vehicles from fire is usually covered if comprehensive or all perils car insurance was purchased. As this coverage is not mandatory, talk to your insurance representative to ensure that you have appropriate insurance coverage.
In certain circumstances, homeowners who are evacuated or unable to return home as a result of insurable damage are entitled to additional living expenses (ALE). If you've been ordered to leave your home, keep the receipts for your living expenses (for example, hotel costs). Most homeowner's and tenant's insurance policies cover any reasonable additional living expenses for a specified period of time. Ask your insurance representative about the amount of living expenses you're entitled to claim.
Tips for Starting the Claims Process
Call your insurance representative as soon as possible. Most insurers have a 24-hour claims service. Be as detailed as possible when providing information.
When it is safe to do so, list all damaged or destroyed items. If possible, assemble proofs of purchase, photos, receipts and warranties. Take photos of damage incurred and keep damaged items, unless they pose a health hazard.
Keep all receipts related to cleanup and living expenses if you’ve been displaced. Ask your insurance representative about what coverage for expenses you may be entitled to and for what period of time.
Seasonal or secondary residences
When it is safe to do so, check any seasonal or secondary residences (e.g., cottages) and report any damage to your insurance representative as soon as possible. Policies for these properties may have different coverage or limits than a primary home insurance policy. Review your policy or check with your insurance professional to confirm your coverage.
