Skip to main content
alert icon

We’re here to help you online or by phone at 1.888.268.2222, Monday – Saturday 9:00 am – 5:00 pm. Our service locations are open for pre-booked appointments. Learn more about our COVID-19 safety measures.

We're here to help

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.

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 most home insurance policies, and this includes damage from forest fires.

Is smoke damage from the fires covered? Is damage incurred from fire retardant outside my home covered?

Most home insurance policies cover smoke damage caused from fires, as well as any damage incurred to your home or personal property from firefighting efforts, including the red fire retardant or other substances used by fire department personnel.

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/makeaclaim. 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), or go online at bcaa.com/makeaclaim.

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

Are my belongings insured while I’m away from my home?

Most home insurance policies will cover the items you take temporarily away from your home, just as they would if they were left in your residence.

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

Most home insurance policies will cover food spoilage, 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.

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.

How do I file a claim?

If you have insurance coverage with BCAA and need to file a claim, call the 24-hour emergency claims number at 1.888.268.BCAA (2222). You can also make a claim online at bcaa.com/makeaclaim.

Car Insurance

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

If you have purchased comprehensive coverage as part of your BCAA Optional Car Insurance policy, your vehicle is insured against damage resulting from fire, smoke and falling or flying objects. You may also have access to included benefits to support you and your family in the event of a Claim resulting from a forest fire.

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.
  • ICBC

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. BCAA also offers replacement coverage options that will replace your vehicle in the event of a total 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.

My neighbour doesn’t have a BCAA Optional Car 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 Optional Car 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 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.

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 comprehensive coverage through BCAA Optional Car Insurance, 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 please don’t hesitate to contact us. You can reach us at 1.888.268.2222.

Helpful Resources

Visit Our BCAA Wildfire Checklist for home protection advice and tips if you’re on evacuation alert or evacuation order.

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.