{"title":"Wildfire Property Defence Program","subtitle":"","body":"\u003cstyle\u003e\n    li{\n    font-size: 15px;\n    font-weight: normal;\n    }\n\u003c/style\u003e\n\u003cp\u003eBCAA Home Insurance now includes a wildfire property defence program for eligible properties. During a wildfire, we may provide on-site damage reduction services that aim to protect your property from wildfire damage. Eligible policyholders have been enrolled in this service as of April 28, 2025 and \u003ca href=\"/insurance/rd/wildfire-property-defence-program/wordings\"\u003eyour policy wording\u003c/a\u003e\u0026nbsp;has been updated to reflect this change.\n\u003c/p\u003e\n\u003ch4\u003eEligibility\n\u003c/h4\u003e\n\u003cp\u003eBCAA Home Insurance customers who own their building are eligible for BCAA Home Insurance\u0026rsquo;s wildfire property defence program, including single-family homes, seasonal homes, rented dwellings and mobile homes, if they fall into the program\u0026rsquo;s geographical service area. The geographical service area excludes properties in the far north areas beyond Fort St John (north of the 57th parallel line) and Vancouver Island or coastal areas only accessible by ferry such as Haida Gwaii, the Gulf Islands and the Sunshine Coast.\n\u003c/p\u003e\n\u003cp\u003eCondo and Renters Insurance policyholders are not eligible for the program. Homeowners who own their building but fall outside of the geographical service area are not eligible for the program, as eligibility is currently limited to geographical locations where the wildfire property defence program will be most effective.\n\u003c/p\u003e\n\u003ch4\u003eServices Provided\n\u003c/h4\u003e\n\u003cp\u003eFor eligible BCAA Home Insurance customers, this program may deploy in the event a wildfire is approaching your home, at no additional cost to you. The ability to provide these services is dependent on safety, weather conditions, proximity of the fire and whether your property is located in the eligible service area, and is not guaranteed.\n\u003c/p\u003e\n\u003cp\u003e\nWorking with local emergency services, a team of wildfire loss mitigation professionals may enter the exterior of your premises to take actions that aim to reduce the damage and loss caused by a wildfire. Although damage and loss still have the potential to occur, services that may be performed to improve your home\u0026rsquo;s chance of survival include:\n\u003c/p\u003e\n\u003cul\u003e\n    \u003cli\u003eMoving combustible materials like wood and furniture away from the property.\n    \u003c/li\u003e\n    \u003cli\u003ePreventing embers from entering your home by taping exterior vents and doors.\n    \u003c/li\u003e\n    \u003cli\u003eSetting up sprinklers to wet the area.\n    \u003c/li\u003e\n    \u003cli\u003ePruning trees and shrubs and removing flammable brush and vegetation.\n    \u003c/li\u003e\n    \u003cli\u003eOther non-permanent wildfire loss-mitigating activities.\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eBCAA Home Insurance and our contractors will take care to act professionally and carefully to avoid damaging the property, but in the unlikely event damage does occur, you may open a claim with BCAA Home Insurance. No deductible will be applied and any claims free status and rewards applied to your policy will be unaffected.\n\u003c/p\u003e\n\u003ch4\u003eProperty Access\n\u003c/h4\u003e\n\u003cp\u003eIf you are an eligible BCAA Home Insurance customer within the service area, you are enrolled to receive this program and the team of wildfire loss mitigation professionals may access the exterior of your premises, in the event they deploy to your area during a wildfire. Your BCAA Home Insurance policy wording is \u003ca href=\"/insurance/rd/wildfire-property-defence-program/wordings\"\u003eupdated to reflect this change\u003c/a\u003e\u0026nbsp;and your renewal wording will also be updated to reflect this change. By accepting your renewal terms, you have agreed to grant our contractors access to your property.\n\u003c/p\u003e\n\u003ch4\u003eWho is providing this program?\n\u003c/h4\u003e\n\u003cp\u003eWildfire Defense Systems (WDS) is the largest, leading provider of wildfire property defence services in North America for insurance companies. Their field personnel are trained to the highest industry standards, and they have invested heavily in establishing relationships with emergency authorities to provide an effective service.\u003c/p\u003e","disableFooter":true,"ModalSize":"Large","ID":"bb04684d-875f-4a93-afd6-e60439c458ac","__DisplayName":"","Name":"Wildfire Property Defence Program","DisplayName":"Wildfire Property Defence Program","SortOrder":300}