Does Homeowner Insurance Cover Wildfires Damages To My Property?
Wildfires are some of the most destructive natural disasters that can happen to a homeowner. They can threaten not only your property but also your life and the lives of others. If you live in a region where wildfires occur, it’s important to know what steps you should take to protect yourself from these destructive threats.
What Steps Must I Take to Purchase Wildfire Insurance?
To ensure that you are prepared for the upcoming wildfire season, take these steps:
Contact your insurance agent. Your homeowner's insurance agent can help determine if your policy covers wildfire damage and provide a quote to cover additional coverage. Some agents will require that you contact them at least 30 days before the start of the fire season in order to receive discounted rates.
If you already have homeowner's insurance and live in an area prone to wildfires, it is important for you to read through your policy so that you know exactly what kind of coverage comes with it and how much money would be required out of pocket should a fire occur on or near your property. Take note of any exclusions listed in your policy as well as any restrictions on additional perils coverage (i.e., earthquake, flood).
What Could Be Included In Coverage for Wildfire Damage?
- Damage to property. The most common type of claim homeowners face after a wildfire is for damage to their homes, whether it's a home under construction or an existing structure. Damages that may be covered include:
- Loss of personal property. If you can't access your home because the fire is too hot, then there's a chance that your valuables will be damaged as well. This includes electronics, clothing, and other personal items that weren't protected by water-resistant bags or containers. Some policies will cover these losses up to $1,500 while others will cover them up to $3,000 - check with your provider about how much they'll pay out before signing up for their plan!
Do Wildfire-Related Damages Get Covered by Renters Insurance?
Your renter's insurance policy covers the contents of your Bel Air, CA home, but not the structure itself. If a wildfire destroyed your rental property, it would not be covered by this specific type of insurance.
However, you should check with your provider to see if there are any exceptions to this rule. Many companies will cover some types of damages caused by natural disasters such as wildfires or floods at no additional cost to you.
If none is available and you still want coverage for those situations, keep in mind that additional coverage may be necessary for certain situations.
Importance of Having a Trusted Restoration Company by Your Side
If you live in an area that has been affected by a wildfire and your home was damaged, it’s important to have a trusted restoration company like SERVPRO of Bel Air/ West Hollywood on your side handling cleanup and repairs after a wildfire has damaged your home.
They can help you get back on your feet quickly and will work with you every step of the way. They can take care of any insurance issues for you and they’ll make sure that the claim process goes smoothly so there aren't any surprises at the end of everything.
They are experts at what they do; so if anything goes wrong or needs repairing after a fire breaks out in your neighborhood, then this is definitely who should be called!
Wildfires are unpredictable and dangerous, but they don’t have to destroy your home. That’s why it’s so important to have a trusted restoration company like SERVPRO on your side handling cleanup and repairs after a wildfire has damaged your home.