British Columbia wild fire: Advice and information from IBC

Vitally important to respect fire bans, advisories and warnings

VANCOUVER, April 19, 2016 /CNW/ - As wildfire season has begun and residents are being evacuated from their homes in parts of Northern British Columbia, Insurance Bureau of Canada (IBC) is reaching out with tips and advice for those affected, and to remind everyone of steps they can take to prevent the starting and spreading of fires.

"Our thoughts are with all those whose lives have been disrupted by the wildfires," said Bill Adams, Vice-President, Western & Pacific, IBC. "We understand the hardships that these types of events have on families. Your first priority must be your safety and the safety of your loved ones.

"This is the beginning of what could be a very concerning wildfire season, evident by the fact that it has started earlier than usual.  It is vitally important that everyone pay close attention, and respect fire bans, advisories and warnings.  We all have a role to play in preventing the starting and spreading of wildfires, so take the time to learn what you can do." 

What insurance covers?

Most home and business insurance policies cover fire damage. If residents have to leave their homes because of a mandatory evacuation order issued by civil authorities, most home and tenant's insurance policies will provide coverage for reasonable additional living expenses for a specified period of time. Your insurance representative is at the ready to clarify the details of your policies.

The claims process

If you have been affected by a wildfire, when safe to do so, take the following steps:

  • Assess and document the damage. Taking photos can be helpful.
  • Call your insurance representative and/or company.
  • List all damaged or destroyed items.
    • If possible, assemble proofs of purchase, photos, receipts and warranties. Take photos of the damage and keep damaged items unless they pose a health hazard.
  • Keep all of the receipts related to cleanup, and if you've been displaced, keep the receipts for your living expenses.
    • Ask your insurance representative what living expenses you're entitled to and for what period of time.

Next steps

  • Once you have reported a loss, you will be assigned a claims adjuster. It may take some time given the number of people affected by the wildfires, but you will be contacted.
  • The claims adjuster will investigate the circumstances of the loss, examine the documents you provide and explain the process. Take notes during the conversations and don't be afraid to ask questions.
  • Your insurance company will ask you to complete a Proof of Loss form, to list the property and/or items that have been damaged or destroyed, with the corresponding value or cost of the damage or loss. You must sign and swear that the statements you make in the proof of loss are true. Ask your insurance representative or claims adjuster to clarify anything you are unsure about.


About Insurance Bureau of Canada
Insurance Bureau of Canada (IBC) is the national industry association representing Canada's private home, auto and business insurers. Its member companies make up 90% of the property and casualty (P&C) insurance market in Canada. For more than 50 years, IBC has worked with governments across the country to help make affordable home, auto and business insurance available for all Canadians. IBC supports the vision of consumers and governments trusting, valuing and supporting the private P&C insurance industry. It champions key issues and helps educate consumers on how best to protect their homes, cars, businesses and properties.

P&C insurance touches the lives of nearly every Canadian and plays a critical role in keeping businesses safe and the Canadian economy strong. It employs more than 120,000 Canadians, pays $8.2 billion in taxes and has a total premium base of $49 billion.  

For media releases and more information, visit IBC's Media Centre at Follow IBC on Twitter @InsuranceBureau and @IBC_West or like us on Facebook. If you have a question about home, auto or business insurance, contact IBC's Consumer Information Centre at 1-844-2ask-IBC.

If you require more information, IBC spokespeople are available to discuss the details in this media release.

SOURCE Insurance Bureau of Canada

For further information: To schedule an interview, please contact: Ariella Kimmel, Manager, Media Relations, 416-362-2031 ext. 4312 (office), 416-550-9062 (after hours),


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