On-the-ground wildfire protection for homeowners
BCAA Home Insurance Wildfire Property Defence Program
BCAA Home Insurance, together with, Wildfire Defence Systems Canada is proud to offer the Wildfire Property Defence Program. An added layer of protection for homes insured with BCAA from wildfire damage.
When a wildfire threatens an area, a team of professionals may enter an evacuation zone and take steps that aim to reduce property damage from fires. Programs like this, along with proactive preparation measures as recommended by our resilience partner, FireSmart BC, have proven to be instrumental to a property's chance of survival.
Wildfire Property Defence Program Information
About Wildfire Defence Systems Canada
Wildfire Defence Systems Canada is part of the largest and 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 well-established relationships with emergency authorities to provide an effective service.
Frequently Asked Questions
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. Condo and Renters Insurance policyholders are not eligible for the program, as it is only offered to customers who own the building.
No. BCAA is able to provide this program at no additional cost for eligible BCAA Home Insurance customers, as we feel the program has the potential to reduce the scale of damage and losses caused by wildfire.
As 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 external area of your property.
Given the speed with which wildfire events can escalate, you will not be notified prior to the team of wildfire loss mitigation professionals attending to your property. Your policy wording reflects this change and will also be updated at your next renewal.
The team of wildfire loss mitigation professionals 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.
The team may also leave a door hanger at your property to notify you that they have performed on-site damage reduction services.
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Helping British Columbians Stay FireSmart™FireSmart is the best defence against wildfire damage. Through BCAA's partnership with FireSmart BC, eligible homeowners can participate in their Wildfire Mitigation Program, which offers a FREE home assessment and personalized recommendations to help reduce wildfire risk - plus be eligible for a discount on BCAA Home Insurance.* Learn More |
For your complete BCAA Home Insurance policy wording, including exclusions and limitations, please visit bcaa.com/wordings
FireSmart, Intelli-feu and other associated Marks are trademarks of the Canadian Interagency Forest Fire Centre.
*Home Insurance is sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agency, and underwritten by BCAA Insurance Corporation. 15% off is available for one-term for both new and renewing BCAA customers. An additional 10% off into perpetuity is available upon presentation of a FireSmart BC Wildfire Mitigation Program Certificate of Completion. Offer subject to change.
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