Wildfire & Insurance


Posted on September 12, 2022 at 09:11 PM


Is wildfire threatening your home, vehicle or business? What to know

Winds, dry conditions and high temperatures over the weekend contributed to a sudden dramatic increase in wildfire activity across the Northwest. Wildfires in Western Washington and Oregon are threatening homes and businesses and has prompted level 3 (go now!) evacuations, and Idaho is currently in the lead for the most large, active wildfires in the U.S..

NW Insurance Council urges residents to have an emergency evacuation plan, pay close attention to fire alerts, follow evacuation orders and move to safety immediately.

“Our hearts go out to Northwest residents whose homes, businesses or property has been threatened or damaged, as well as the hardworking firefighters battling the blazes across the region,” said Kenton Brine, NW Insurance Council president. “For those families facing a possible wildfire loss, insurance companies are preparing to help customers file claims and start the rebuilding process as soon as possible.”

Wildfire is a covered peril under standard Homeowners, Renters and Business Owners insurance policies. Many insurance companies offer tips and assistance to help property owners learn ways to make their homes and businesses fire-resistant, so it’s a good idea to go online or call your agent or company to find out more.

For updates on current wildfires and evacuation alerts, visit the Northwest Coordination Center’s (NWCC) website at https://gacc.nifc.gov/nwcc/. NW Insurance Council also offers the following key points and recommendations for those who have suffered damage to their homes or businesses from wildfire:

What to do (and not do) about wildfire damage:

  • Make sure you and your loved ones are safe and away from wildfire danger. If an evacuation is ordered, follow your family evacuation plan and meet at a previously agreed upon location. Remember to bring prescription medicines, important paperwork, such as your insurance policy, and prepare for your pet’s needs by bringing pet food, leashes, etc.
  • Before your property is under threat, prepare a complete home inventory of your personal possessions. This will help you and your insurance company get through the claims process more quickly. Various home inventory apps and software are available online or offered by insurance companies.
  • If your home is damaged or destroyed by wildfire, start the claims process by contacting your insurance representative as soon as possible. It is helpful to have your insurance policy documents, but it is not required to start the claims process. Provide a description of the damage and a phone number where you can be reached.
  • If safe to do so, take pictures or video of your damaged property.
  • Don't discard anything that is damaged until it has been examined by your adjuster. You could miss out on coverage for that item.
  • Don't pay a significant amount for temporary repairs unless authorized by your insurance adjuster. You could get stuck with the bill if the repairs are deemed excessive. Also, be aware that after a large-scale fire or other disaster, there often are disreputable repair offers that can rob you of money from your insurance settlement without performing the repairs you need. Take your time and investigate those who offer to repair your damaged home by checking the repair company’s record with your state regulators and the Better Business Bureau. Remember, there’s no “do-over” with your insurance claim.

What’s typically covered?

  • Wildfire is a covered peril under standard Homeowners and Business Owners policies. This includes the structure of your home or business, additional buildings on your residential or business property and the contents inside your home or business.
  • Landscaping, such as trees, plants, shrubs and lawns, damaged by wildfire is covered under your standard homeowners insurance up to specified amount.
  • Additional living expenses are covered if you are unable to live in your home or apartment because of a fire. This may include coverage for living expenses if you are forced out due to evacuation orders. Most policies will reimburse you the difference between your additional living expenses and your normal living expenses. Keep receipts and records of your expenses.
  • You may also be eligible for additional living expenses if your home has not been lost or damaged but civil authorities order an evacuation and prevent you from returning to your home. Contact your insurance company or agent immediately after evacuation to find out what your Homeowners Policy will cover.
  • Optional Business Interruption Insurance covers loss of revenue resulting from an insured loss that disrupts business operations. It also can provide extra expenses so the business can operate from a temporary location while repairs are made to your place of business.
  • Damage to your vehicle caused by wildfire is covered provided you have optional Comprehensive Coverage. Personal items inside your car (that aren’t attached to the vehicle) are covered under your Homeowners or Renters Insurance policy.

Who to call?

Contact your insurance agent or company as soon as possible to start the claims process. Below are the claims emergency phone numbers for NW Insurance Council’s member insurance companies in Washington, Oregon and Idaho:

American Family Insurance: 800-692-6326

Amica Mutual Insurance Company: 800-242-6422

Farmers Insurance Group: 800-435-7764

Grange Insurance Group: 800-247-2643

Mutual of Enumclaw: 877-425-2580

Nationwide Insurance Group: 877-421-3535 or 877-669-6877

PEMCO Mutual Insurance Company: 800-GOPEMCO (800-467-3626)

Progressive Insurance: 800-776-4737

State Farm: 800-SF-CLAIM (800-732-5246)

Sublimity Insurance Company: 800-424-2491

United Heritage Property & Casualty Company: 800-424-2491

USAA: 800-531-8722

For more information about wildfires and insurance, contact NW Insurance Council at (800) 664-4942.





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