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BC Wildfire Insurance Tips

To make a claim call 1.888.268.2222 (press #2) or click here.

We understand you may have questions about your policy. BCAA Insurance Advisors are ready to speak with you and help. Feel free to phone us at 1.888.268.2222 or visit your local Service Location.

Wildfire Coverage

BCAA’s priority is you, your family’s safety and ensuring you have the information you need. If your principal residence is insured with BCAA and it's in an evacuation zone, read on to learn about the types of coverage that are available to help you.

Am I covered for a loss resulting from a forest fire?

Yes, fire damage is covered under a home insurance policy, and this includes forest fires.

Is smoke damage from the fires covered? 

Yes.

What if my home is damaged or has already suffered a loss as a result of the fire? 

BCAA is dedicated to making your claims experience as stress free as possible. Should you need to make a claim on your home, contact BCAA claims 1.888.268.BCAA (2222) or online at bcaa.com/claims. We’re available 24/7.

What is mass evacuation coverage? 

BCAA will pay any necessary and reasonable additional living expenses incurred by you if you’re unable to live in your home due to a mandatory evacuation order. Up to $10,000 will be available to you so you can ensure your family has the essential everyday living items you need. Some examples of necessary and reasonable additional living expenses are food, accommodations, pet care, medication and clothes.

How do I access my mass evacuation coverage? 

If you are evacuated from your home by mandatory evacuation order, please be sure to keep all receipts for living expenses such as food, accommodations, pet care, medication and clothes. To make a claim, call 1.888.268.BCAA (2222), go online at bcaa.com/claims, or visit a BCAA Service Location for assistance to make online claim.

What if I am unable to live in my home? 

You are covered for the cost of alternative accommodation and anything over and above everyday living expenses should you not be able to live in your home due to damage from the fire. Additional Living Expense may include:

  • Temporary accommodation
  • Moving costs
  • Restaurant meals
  • Laundry
  • Accommodation for your pets

The power is out. Is the food in my fridge and freezer covered? 

Yes, food spoilage is covered, subject to your policy deductible.

Will the government provide coverage for costs that insurance doesn’t cover? 

Please check with BC’s Public Safety & Emergency Services Department to learn more about government assistance programs in the event of a wildfire.

I have a BCAA home insurance policy but, with the forest fire approaching, I’m worried about the amount of coverage. Can I increase my coverage? 

Unfortunately, if you live in an area currently being threatened by forest fires, we are not able to increase existing coverage until this threat passes.

My neighbour doesn’t have a BCAA Home Insurance policy. Can they buy it now? 

Anyone in an area currently being threatened by forest fires is unfortunately not able to purchase a BCAA Insurance policy until the wildfire threat passes.

If anyone you know has suffered a loss, or has questions about their coverage, please have them contact their local insurance broker. If they have any difficulty locating their broker or insurance company, the Insurance Bureau of Canada can help. Their number is 1.844.227.5422.

Where can I get more information on what my policy covers?

Your full home insurance policy wording has all the details about what’s covered - it can be found at bcaa.com/wordings. Please don’t hesitate to reach out to BCAA if you have any specific questions or concerns. You can reach us at 1.888.268.2222 or by visiting your local BCAA Service Location.

I’ve heard a rumour that wildfires are considered “acts of god” and not covered by home insurance. Is this true? 

Rest assured that wildfire damage is covered by BCAA Home Insurance. BCAA does not use the term “acts of god” when referring to what’s covered or what’s excluded from a policy. If you have any questions or concerns about your BCAA Home Insurance coverage, please don’t hesitate to contact us. You can reach us at 1.888.268.2222 or by visiting your local BCAA Service Location.

Car Insurance

Am I covered for a loss resulting from a forest fire? 

If you have purchased comprehensive insurance coverage your vehicle is insured against fire and smoke damage.

How do I initiate a claim?

In the unfortunate even of a claim, it depends on which insurance company you have purchased your comprehensive coverage from:

  • BCAA Optional Car Insurance Policy
    • Please call our 24-Hour BCAA Optional Claim service at: 1.888.592.1111.
  • BCAA Advantage Auto Insurance Policy
    • Please call our 24-Hour Advantage Auto Claim service at: 1.877.822.7772.
  • ICBC
    • Dial a Claim 1-800-910-4222 or online.

If my vehicle is a total loss, how much will I receive in compensation?

If your vehicle is a total loss, the insurer will base the settlement value on the Actual Cash Value of the vehicle at time of loss.

I have a BCAA Optional Car Insurance policy but, with the forest fire approaching, I’m worried about the amount of coverage. Can I increase my coverage or reduce my deductible? 

If you live in an area currently being threatened by forest fires, we are not able to increase existing coverage until this threat passes.

I would like to move my RV and other car which are not insured to a safe location. Can I get temporary insurance on these to move them?

ICBC’s Temporary Operating Permits provide temporary insurance coverage for vehicles. Contact your insurance advisor to see if this coverage is available from ICBC.

Where can I get more information on what my optional car insurance policy covers? 

Your full optional car insurance policy wording has all the details about what's covered - it can be found at bcaa.com/wordings. Please don’t hesitate to reach out to BCAA if you have any specific questions or concerns. You can reach us at 1.888.268.2222 or by visiting your local BCAA Service Location.

I’ve heard a rumour that wildfires are considered “acts of god” and are not covered by optional car insurance. Is this true? 

If you have optional car insurance coverage with BCAA, your vehicle is covered for wildfire damage. BCAA does not use the term “acts of god” when referring to what’s covered or what’s excluded from a policy. If you have any questions or concerns about your BCAA Optional Car Insurance or Advantage Auto coverage, please don’t hesitate to contact us. You can reach us at 1.888.268.2222 or by visiting your local BCAA Service Location

Helpful Resources

Visit Wildfires: Tips to Protect Your Home for home protection advice and tips if you’re on evacuation alert or evacuation order, along with answers to common insurance-related questions.

Insurance is sold through BCAA Insurance Agency and underwritten by BCAA Insurance Corporation. The language in this document may not be the same as the actual policy wording, which will prevail in all instances and is available upon request. Certain exclusions, limitations and conditions may apply.