When dealing with insurance after a wildfire, there are several key things to know to ensure a smoother claims process and support your recovery.
- Contact your insurer immediately to inform them of the damage and initiate the claim process
- Review your policy details to understand your coverage limits, deductibles, timelines, required documents and specific provisions for wildfire damage
- Document everything: take photos and videos to create a loss inventory
- Familiarize yourself with claim deadlines, which vary by state and insurer.
- After the claim, review your settlement carefully and consider professional legal advice for disputes.
- Beware of scams by only working with licensed contractors and being cautious of large upfront payments.
- Notify your mortgage lender and explore loan forbearance options if needed.
- Keep thorough records of all communications with your insurer.
- If you are applying for or receiving FEMA or SBA assistance, get to know their programs and make sure you do not have duplication of benefits that inhibit reimbursement.
- In preparation, look up licensed insurance agents and companies on the WA Insurance Commissioner’s website to find insurance.
Resources
- National Association of Insurance Commissioners
- United Policyholders Disaster Recovery Help
- Tips for Managing Insurance and Recovery After Wildfire
