Insurance experts poised to assist residents affected by wildfires

Insurance experts poised to assist residents affected by wildfires | Insurance Business Canada

Catastrophe & Flood

Insurance experts poised to assist residents affected by wildfires

Insurance bureau distributes critical insurance information

Catastrophe & Flood

By
Miko Pagaduan

With over 100 active wildfires raging in Alberta, the Insurance Bureau of Canada (IBC) has deployed its Virtual Community Assistance Mobile Pavilion (V-CAMP) to provide insurance information to affected residents.

The situation is rapidly evolving, with some fires listed as out of control, and IBC is in close contact with the provincial government and emergency management officials, as well as municipal officials in the affected communities.

In a press release, IBC encouraged residents to contact their insurance representatives when they are ready to begin the claims process.

The bureau has established a Consumer Information Centre at 1-844-2ask-IBC (1-844-227-5422) to answer general insurance questions.

Albertans can also visit IBC’s Wildfires webpage for information on their insurance coverage and the various stages of the claims process.

Insurers are often referred to as “second responders” in the aftermath of a disaster. IBC’s Virtual CAMP is staffed with trained insurance industry personnel who are ready to help consumers address their questions about home, business, or vehicle insurance policies.

Rob de Pruis, national director of consumer and industry relations at IBC, expressed his condolences to those whose lives have been disrupted and whose property has been damaged by the wildfires. He also thanked the first responders for their diligent work to protect lives and property.

“Unfortunately, the wildfires across Alberta over the past week have resulted in the loss of multiple properties. Our hearts go out to the individuals and families whose lives have been disrupted and whose property has been damaged,” he said, “Special thanks to all the first responders who have been working so diligently to protect lives and property. While recovery efforts continue, rest assured that anyone whose property or vehicle was damaged can contact their insurance representative when they are ready to start the claims process. Those with general insurance questions are encouraged to contact IBC’s Consumer Information Centre at 1-844-2ask-IBC.”

What’s covered when the smoke clears?

Virtually every home insurance policy covers damage caused by fire, even if the fire began on a neighbouring property, as long as the fire was not started intentionally by the policyholder or a member of their household.

Damage to vehicles from fire is usually covered if comprehensive or all-perils coverage car insurance was purchased.

Homeowners who are evacuated or unable to return home as a result of insurable damage may be entitled to additional living expenses in certain circumstances.

IBC has provided some tips for starting the claims process. Residents should call their insurance representative as soon as possible, as most insurers have a 24-hour claims service.

They should provide as much detail as possible when providing information, and list all damaged or destroyed items. If possible, they should assemble proofs of purchase, photos, receipts, and warranties.

Also, they should take photos of any damage and keep damaged items unless they pose a health hazard.

Finally, residents should keep all receipts related to cleanup and living expenses if they’ve been displaced and ask their insurance representative about what coverage for expenses they may be entitled to and for what period of time.

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