People evacuated by wildfire should review their insurance coverage


The tunnel fire, which has been burning for more than a week in the north Arizona, has now charred over 20,000 acres. A wildfire last Friday caused evacuations in colorado springs and another left one dead and multiple injured in Nebraska. The Calf Canyon Fire, burning east of Sante Fe, poses the most significant threat to life and property in New Mexico.

Fire and smoke damage is covered by standard homeowners and renters insurance policies. A standard home insurance policy covers property damage caused by a wildfire to the structure of a house and its appurtenances (for example, a garage) as well as personal belongings housed on the premises. A rental insurance policy covers the personal effects of the tenant. Water damage caused by firefighters putting out a fire is covered by homeowners’ and renters’ insurance policies.

Standard homeowners and renters insurance policies also provide additional living expenses (ALE), sometimes referred to as loss of use, to policyholders who have moved due to a mandatory evacuation order or whose residence has been rendered uninhabitable due to forest fire damage.

Additionally, the Triple-I offers online claims filing advice for homeowners and renters insurance policyholders.


The Triple-I has an extensive library of educational videos on its YouTube channel.

SOURCE Insurance Information Institute


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