Find out if you can add wildfire coverage to your home insurance policy if it does not already include it.
A last-resort FAIR plan, a state-mandated program that provides access to insurance for high-risk properties, may be able to provide protection for you if you are unable to obtain coverage because you live in a high-risk area. Fair Access to Insurance Requirements is spelled FAIR.
In many areas where wildfires have destroyed homes, insurers are refusing to renew customers.
However, following a wildfire, some state insurance commissioners impose a one-year moratorium on non-renewals. If youre non-recharged by a safety net provider, you can pursue the choice.
You can also get assistance from the insurance commissioner of your state.
ONeill advised that you gather before-and-after photographs of the damaged property as well as receipts for materials and labor for work such as home hardening to prevent wildfire damage prior to doing so.
