What you need to know about Forest Fire Insurance

What you need to know about Forest Fire Insurance

Most residents living in the Lake Tahoe Basin, Nevada, California, and the rest of the Western United States are hyper aware of the wildfire danger we face. For us in Nevada and California, we know we are in a drought and we remember the wildfires in the last 5 years. We all know to create defensible space around our property and have an evacuation plan in place. Here are some things you may not know about your insurance policy in regards to wildfires.

  • The majority of homeowners and renters insurance policies will respond to damage caused by a wildfire.
  • Most automobile policies that have comprehensive coverage will replace or repair your car if damaged by a wildfire.
  • If you have items like collections, artwork, or jewelry scheduled on your insurance policy, those are also covered if damaged during a wildfire. Most of the time, you won’t even pay a deductible if you make a claim on an item that is scheduled on the insurance policy.
  • The cost to rebuild a home after a wildfire can increase significantly due to the lack of labor and building materials available. Some insurance policies have a buffer built into the building limit to account for this type of situation.
  • After a wildfire, the chance of flood or landslide increases due to the lack of vegetation absorbing water and holding the ground together. Flood and landslide are NOT covered under a typical homeowners policy. A separate policy is needed to protect your home from these perils.
  • Insurance carriers will not allow us to issue an insurance policy if your property is in immediate danger of a wildfire, flood, earthquake, or other natural disaster. If you don’t have insurance, don’t wait until it’s too late!

If you need to brush up on your wildfire prevention or maintenance knowledge, or create an evacuation plan for your family, www.livingwithfire.info is a great resource. Don’t forget to complete your home inventory. If you have questions about your insurance policy, speak with an agent at Menath Insurance to review your coverage and get answers.

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