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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 be worried and have concerns 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 any of our Service Locations about your policy.

  • Kamloops – #400-500 Notre Dame Dr (Columbia Square), Mon-Fri: 9-6, Sat: 9-5
  • Prince George – #100-2324 Ferry Ave (River Point Shopping Centre), Mon-Fri: 9-6, Sat: 9-5
  • Kelowna – #18-1470 Harvey Ave (Burtch Plaza), Mon-Fri: 9-6, Sat: 9-5
  • West Kelowna – #301-3550 Carrington Rd, Mon-Fri: 9-6, Sat: 9-5
  • Penticton – #100-2100 Main St, Mon-Fri: 9-6, Sat: 9-5
  • Vernon – #103-5710 24th St, Mon-Fri: 9-6, Sat: 9-5
  • Nelson – 596 Baker St, Mon-Fri: 9-5, Sat: 9-5



Wildfire Coverage

With fires burning throughout the province, our priority is you and 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.

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? 
We understand that in these types of scenarios, quick access to this coverage is important and we have a number of options available to ensure you receive the funds you need quickly. Be sure to keep all receipts. 

  • If you’re in urgent need of funds during regular business hours, please visit our local Service Location
  • To make a claim, call 1.888.268.BCAA (2222), go online at bcaa.com/claims, or visit our local Service Location for assistance making an online claim

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 and a claims adjuster will respond within 2 hours. You can also make a claim online at bcaa.com/claims.

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? 
While we can’t speak for the government, we can provide you with a link to the Emergency Info BC website http://www.emergencyinfobc.gov.bc.ca/ where you can learn more.

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 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 my policy wording? 
Your full policy wording 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.

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 event of a claim, it depends on which insurance company you have purchased your comprehensive coverage from. 

  • BCAA Advantage Auto
    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 Advantage Auto 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 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 my BCAA Advantage Auto policy wording? 
Your full policy wording 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.

How do I find out if I am under evacuation alert or order?

What do I do once I have been evacuated?

How do I register with the Red Cross?

How can I find information on where the fires are located?

Where can I find out about road closures?

How can I locate family members that have been ordered to evacuate? 
The Red Cross is creating a database of evacuees, it is best-equipped to help find someone, provided they've been registered. To ask for help finding someone, call the same toll-free number at 1.800.863.6582.

Where can I find a place to stay? 
2017 BC Wildfire Emergency Peer Accommodation Matching 
Evacuee Alternative Accommodations Prince George

Where can I find a place for my animals or livestock? 
BC's Emergency Livestock /Animal Evacuation Group 
Missing Horses And Livestock BC Wildfire 2017

Where can I donate money? 
You can donate $10 to the Red Cross by texting "fires" to 45678 or online at redcross.ca

What is the red stuff outside my home? 
Fire retardant, which has been airdropped, is often red in color. Damage to your home or car from this retardant is covered, as is damage from any substance used by fire department personnel.

Where can I find more tips to safeguard my family and home against wildfires? 
Visit bcaa.com/wildfires for more home protection and evacuation tips, along with answers to common insurance-related questions during natural disasters such as wildfires.


Red Cross has made an appeal for donations to support B.C.’s wildfire efforts. Donations can be made by texting FIRES to 45678 to donate $10. Or visit redcross.ca or call 1-800-418-1111.

BCAA has contributed $100,000 to the Red Cross that will support the province of B.C. and local communities in providing assistance to those affected by the wildfires.

Please consider your donation today. Visit Red Cross to donate now.

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.