Your property insurance policy typically covers the cost to repair common wildfire damage to your home and personal belongings. Check your policy to see what’s covered and the deductible you’ve chosen. Ask your local Safeco agent to review your policy and explain the details to you.
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If a wildfire has moved through your neighborhood and caused damage to your home or car, be careful and follow these tips:
Make Personal Safety Your First Priority
Check for Burning Embers
When it’s safe to do so, call us as soon as you can.
Be ready to provide the following:
Be prepared to provide as much detail as possible about the damage. If you’re able to take photographs and videos, they can help to explain overall property damage after a wildfire. Owner’s manuals, serial numbers and credit card statements are useful to document personal belongings that may have been damaged.
We will do our best to contact you within 72 hours after you file your claim to discuss what happens next. If you experienced serious wildfire damage, we will make every effort to get to you first.
Safeguard Your Home
This is a team effort. We’ll do our part. But we need you to help out by taking some steps to protect your home and your car from further damage after a wildfire.
Please wait until a claims adjustor assesses the smoke and fire damage to your home before starting permanent repairs. We encourage you, however, to schedule permanent repairs as soon as possible. Find a local, licensed, bonded and insured contractor through our free Safeco Contractor Referral service.
While Your Home is Being Repaired or Rebuilt
If you are unable to live in your home while the damage is assessed and your home is being repaired or rebuilt, Safeco will pay for additional living expenses, typically for up to 24 months. If repairs take longer than the period of time covered in your policy, you may be eligible for additional assistance from federal emergency programs.
To Upgrade or Not to Upgrade
Safeco will replace damaged items and materials with the same type and quality of materials you had before the wildfire. For example, if you had vinyl siding, we will pay to repair or replace the damaged area with vinyl, but we won’t pay to replace it with more expensive limestone slate. If you decide to upgrade your house with better or more expensive materials, you’re welcome to do so, but you’ll need to pay the additional expense out of your own pocket.
Any time you make improvements to your property, be sure to talk to your local Safeco agent to find out if your coverage is still enough, and if you’re eligible for any discounts.
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