With the expected increase of wildfires, if my home burns down, is it covered?

Yes, damage caused by wildfires is often covered by standard homeowners insurance policies. Key points to consider include:

• Policy Review: Thoroughly review your policy for coverage limits, deductibles, and exclusions related to wildfire damage and make adjustments as you see fit.

• Additional Coverage: In wildfire-prone areas, you may need separate wildfire insurance or increased coverage limits.

• High-Risk Regions: Insurers might require higher premiums or preventive measures, like maintaining defensible space around your property or upgrading to fire-resistant roofing.

• Claims Process: In the event of wildfire damage, promptly contact your insurer, document all damage, and understand the claims process to ensure proper compensation and expedited claims handling.

• Consultation: Regularly consult with your insurance broker to stay informed about your coverage and any regional risks.

Proactive insurance management provides peace of mind and financial protection in the event of a wildfire.