Yes, your Homeowners Insurance does cover damages resulted from forest fires, except when:
a) you got a brand new policy (not renewal) during the forest fire in progress. Usually insurance carrier forbids binding new coverage in restricted/catastrophic areas.
To check if your area is currently restricted visit http://www.paperless-insurance.com.
b) due to prior losses your policy limits coverage and excludes fire.
Check your existing policy documents. Most of insurance carriers provide policy forms in electronic format. Open your policy in any browser and search from the word "fire". Then read related page and you will get the answer to your questions.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
Fire is the primary peril covered by a homeowner’s policy. If your property is damaged in a wildfire, such as those ranging about 60 miles from me right now, your company will cover the damages. During this period of heightened risk the company will probably not allow you to change coverages to avoid incurring even greater losses.
That is a great question! Fires were the number one reason that homeowners policies came about way back when, and still are one of the top reasons to have one. Unless you just took out your policy as the fire raged closer, you should be fine. Good luck, and thanks for asking!
Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
Damage from fire is a very common covered peril in a Homeowners' policy. Whether this fire is localized to your home or if your home is damaged as a result of being in the path of a forest or wild fire, there would be no difference in the coverage provided.
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a) you got a brand new policy (not renewal) during the forest fire in progress. Usually insurance carrier forbids binding new coverage in restricted/catastrophic areas.
To check if your area is currently restricted visit http://www.paperless-insurance.com.
b) due to prior losses your policy limits coverage and excludes fire.
Check your existing policy documents. Most of insurance carriers provide policy forms in electronic format. Open your policy in any browser and search from the word "fire". Then read related page and you will get the answer to your questions.