Mother Nature Isn't Always the Best House Guest
The Big One is coming. For years, earthquake experts have been warning British Columbians, “It’s not if it happens, but when.” For many other BCAA Members, every year runs the risk of forest fires destroying their homes and property; yet thinking about natural disasters feels unnatural. Often we prepare ourselves for more everyday problems, such as fender benders, theft or health insurance for dental appointments but we all know how important our homes are to us. Functionally they provide shelter but emotionally it’s where your family comes together every day. That’s why everyone needs to be prepared for a natural disaster.
Understanding and updating your home insurance policy is crucial. In fact, feel free to dig out your policy now and follow along with this article. Don’t worry, we’ll still be here when you come back. Got it? Now let’s take a look at some tips:
Some Members have asked specific questions regarding wildfires. Here are the top five but if you have more questions, don’t hesitate too call or email us.
Am I covered for a loss resulting from a wildfire?
With BCAA, fire damage is covered under most home insurance policies, this includes damage from forest fires.
Am I covered for mass evacuation?
In the event of a wildfire, most policies will cover you for mass evacuation when the government, police, fire department or civil authority have ordered you to leave. Your home insurance policy should cover any necessary and reasonable living expenses you incur up to your policy limits, and subject to the policy deductible. When in doubt, keep a copy of all hotel and meal receipts to give to your provider.
Are my belongings insured while I’m away from my home?
Most insurance policies will cover the belongings you take with you, just as they would if they were left in your home.
Is smoke damage from the fires covered? Is my home covered from damage caused by fire retardant foams used by the fire department?
When it comes to smoke damage caused from fires, most home insurance policies have you covered. Additionally, most policies cover any damage to your home or personal property including the red fire retardant foam or other substances used by fire department.
How do I file a claim?
If you have home insurance with us, call the 24-hour emergency claims number at: 1.888.268.2222 or visit a local BCAA Service Location to speak to an advisor.