Insurance coverage

People evacuated by wildfire should review their insurance coverage

The tunnel fire, which burned for more than a week in the north Arizona, has now charred over 20,000 acres. A forest fire last Friday caused evacuations in colorado springs and another caused one dead and several injured in Nebraska. the Calf canyon fireburning east of Sante Fe, poses the most significant threat to life and property in New Mexico.

Fire and smoke damage is covered under standard homeowners and renters insurance policies. A standard home insurance policy covers property damage caused by a wildfire to the structure of a house and its appurtenances (for example, a garage) as well as personal belongings housed on the premises. A rental insurance policy covers the personal effects of the tenant. Water damage caused by firefighters putting out a fire is covered by homeowners’ and renters’ insurance policies.

Standard homeowners and renters insurance policies also offeradditional living expenses(ALE), sometimes called loss of use, to policyholders who have either moved due to a mandatory evacuation order or had their residence rendered uninhabitable due to damage from a wildfire.

Additionally, the Triple-I offers online claims filing advice forthe ownersandTenant insuranceinsured.


The Triple-I has an extensive library of instructional videos on its Youtube channel.

SOURCE Insurance Information Institute