Typically, home fire damage, smoke and ash is covered under your home insurance policy, however there may be some exemptions due to location. Check with your insurance agent to review your policy at any time.
Most dwelling coverage includes home, garage, tool shed and deck areas. Personal property coverage incorporates furniture, clothing, jewelry and electronics.
Should you or a loved one ever have to file a home insurance claim due to wildfires, be sure to follow these tips:
- Keep an updated inventory of your belongings
- Record damage to all property by taking pictures and keeping them until your insurance adjuster is able to visit and inspect
- Get a second opinion, it’s okay to have more than one assessment
- Check the condition of items after they are cleaned