How to File a Home Insurance Claim for Wildfires in 2025 [8 Easy Steps]
Learning how to file a homeowners insurance claim for wildfires is simple: submit it within 14 days, provide damage photos, and document losses of over $75,000 ensure faster processing. The average wildfire claim costs $84,000. Many policies also cover debris removal and living expenses.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Feb 1, 2025
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UPDATED: Feb 1, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Learning how to file a homeowners insurance claim for wildfires is critical for recovering after a disaster, as damages often surpass $75,000 after wildfire claims.
Wildfire insurance claims cover repairs, property replacement, cleanup, and housing. Submit damage photos, save receipts, and file claims promptly within 14 days for coverage.
Keep reading to learn how to file a wildfire insurance claim and use our insurance provider directory for affordable coverage.
Enter your ZIP code to compare wildfire home insurance rates.
- Step #1: Immediate Notification – Contact your insurer
- Step #2: Document Damage – Photograph and video all damages
- Step #3: Keep Records – Document all communication
- Step #4: Temporary Repairs – Make temporary repairs; save receipts
- Step #5: Claim Submission – Complete and submit documentation
- Step #6: Meet With Adjuster – Adjuster inspects damage
- Step #7: Review Settlement Offer – Review and negotiate settlement
- Step #8: Close the Claim – Finalize compensation
8 Essential Steps to File a Wildfire Insurance Claim
Following a wildfire, it’s critical to follow the right steps when submitting a homeowners insurance claim, such as keeping receipts, photos, and videos of damage. Then, contact your insurance company right away.
Steps to Filing an Insurance Claim After a Wildfire
Step | Action | Description |
---|---|---|
#1 | Immediate Notification | Contact your insurance company as soon as possible to report the damage |
#2 | Document Damage | Take photographs and video of all damages, including structures, belongings, and surrounding property |
#3 | Keep Records | Maintain a record of all communications with the insurance company, including dates and names |
#4 | Temporary Repairs | Conduct temporary repairs to mitigate further damage (save receipts for reimbursement) |
#5 | Claim Form Submission | Fill out the claim form thoroughly and submit it along with any required documentation |
#6 | Meet with Adjuster | Allow the insurance adjuster to inspect the damage to assess the claim |
#7 | Review Settlement Offer | Review the insurance company’s settlement offer and negotiate if it does not cover all losses |
#8 | Close the Claim | Once satisfied, finalize the claim to receive your compensation |
Review the settlement offer thoroughly, negotiate if needed, and finalize the claim to get your money. If you’re searching for a policy, ensure your homeowner’s insurance covers wildfires to avoid unpleasant surprises should you file a claim.
Step #1: Immediate Notification
Get in touch with your insurance provider right enough after a wildfire happens so they can start processing your claim. Also, contact your doctor when you feel comfortable because postponing the call can cause problems.
Please provide specifics regarding the damage, such as the date of the wildfire and the impacted places. If you contact them promptly, your case will proceed more swiftly because insurers rank claims according to timely reporting.
Claims backed by detailed inventories of personal property are 25% more likely to be approved in full.Jimmy McMillan Licensed Insurance Agent
If at all feasible, take preliminary pictures or videos of the damage so that your insurer can start determining the extent of your claim. Before disaster strikes, compare insurance provider quotes to secure comprehensive wildfire coverage and efficient claims handling. Acting ensures the process starts smoothly and shows accountability, positively impacting claim management.
Step #2: Document Damage
Getting your wildfire insurance claim approved starts with the proper paperwork. First, ensure your claim forms are accurate and fully completed—these are non-negotiable.
Wildfire Insurance Claims: Important Documentation
Type | Purpose |
---|---|
Claim Forms | Required for formal claim submission |
Insurance Policy | Reference for coverage limits and terms |
Inventory of Damages | Detailed list of damaged items |
Photographs & Videos | Evidence of damage |
Receipts for Expenses | Proof of expenditures |
Keep a digital copy of your wildfire home insurance policy handy to quickly check your coverage limits and terms. Make an exhaustive inventory of the broken things and add to it when you discover other losses.
Take clear, date-stamped photos and videos of the damage, and save all receipts for temporary repairs or living costs. Staying organized with these documents smoother the whole process and gets you closer to your compensation.
Read More: Cheap Homeowners Insurance Coverage
Step #3: Keep Records
Detailed records are very important for filing a homeowners insurance claim after a wildfire. Ensure that you note each conversation with your insurance company—remember to include the date, time, and names of all the people you communicate with.
This makes a precise schedule, which can be helpful if disagreements occur or your request is delayed. Choose the best home insurance providers for reliable coverage and smooth claims. Stay organized to avoid delays and secure your compensation quickly.
Step #4: Temporary Repairs
After a wildfire, making quick temporary repairs can help prevent more damage to your home. Patch up holes, cover broken windows, or secure anything that’s exposed to avoid further issues.
Keep all your receipts—most insurance companies will reimburse you for those costs. Taking these steps not only protects your property but also shows you’ve done your part to minimize losses. To prevent out-of-pocket costs following a tragedy, be sure your policy covers interim repairs when you buy home insurance.
Step #5: Claim Form Submission
It is very important to submit your claim form to settle your insurance. Be careful and cross-check that all details are correct and complete.
To support your claim, you must provide all required documents, such as damage pictures, receipts, and repair estimates. Missing details can slow things down or delay approval, so don’t skip anything.
If you’re unsure about something, contact your insurer for guidance—it’s better to ask than risk mistakes. A detailed form helps speed things up and boosts your chances of full compensation (Read More: What is the average cost of homeowners insurance?).
Step #6: Meet With Adjuster
The resolution of your claim depends on your meeting with the insurance adjuster. It is their assessment that will decide your pay. Bring attention to the key locations and detail the harm done to them. To back up your claim, gather all of the necessary documents, including photos and invoices.
Answer their questions honestly and directly to maintain a positive relationship. Never hesitate to ask for further information if something seems confusing or lacking. If you are thorough during the test, you have a better chance of getting the money you are entitled to.
Insurers with lower denial rates, like Travelers at 41.7%, are more likely to approve well-supported claims.Brad Larson Licensed Insurance Agent
Be aware of potential insurance redlining practices and ensure your claim is treated fairly, as no one should face bias when seeking coverage or compensation.
Step #7: Review Settlement Offer
You must carefully examine the settlement offer to make sure your insurance covers all of your losses. If you want to find holes, compare the offer with the damage documentation you have, such as invoices and repair estimates.
Negotiate by offering more evidence or challenging undervalued products if the offer is inadequate. A fair settlement requires persistence, so ask questions, request explanations, and push for necessary adjustments.
Read More: United States Fire Insurance Company Review
Step #8: Close the Claim
The last stage of getting paid is to complete your claim, but don’t rush it. Verify again that every element has been covered and that the settlement covers all agreed-upon costs.
Complete the last papers and get a written confirmation of the terms after you’re sure everything is correct. Closing the claim ensures you get the full amount you’re entitled to without unnecessary delays.
Read More: What is covered by a fee simple title insurance policy?
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Top Insurance Providers With Low Claim Denial Rates
Knowing which insurance companies have a higher approval rate when submitting a homeowners insurance claim connected to a wildfire. With the lowest denial rates—39.4% and 40.5%, respectively—providers like The Hartford and Progressive have a higher chance of being approved.
Conversely, Allstate (50.4%) and American Bankers (51.2%) have the highest denial rates, which may result in additional examination and possible delays. For more insights, check out an American Bankers insurance review to better understand their policies and requirements.
More documentation, such as thorough inventories or repair estimates, may be required to process claims with insurers who have a higher percentage of denials. If you want things to go more smoothly and get back on your feet quicker following wildfire devastation, pick an insurance with a low denial rate.
Strategies for Filing Wildfire Home Insurance Claims
Filing a wildfire home insurance claim can feel like a lot, but with the right approach, it doesn’t have to be stressful. Knowing how to submit a homeowners insurance claim for wildfires is critical—start by contacting your insurer immediately, taking lots of photos, saving receipts, and keeping track of all interactions.
Understanding how providers handle claims also helps—The Hartford and Progressive have the lowest denial rates, 39.4% and 40.5%, while American Bankers and Allstate have over 50%. If you need to buy homeowners insurance for a home you don’t live in, ensure the policy includes wildfire coverage to protect against unexpected events.
Choosing a reliable company and staying organized make the whole process smoother and increase your chances of getting the payout you need to recover. A little preparation goes a long way when bouncing back after a disaster.
How to File a Wildfire Homeowners Insurance Claim
Figuring out how to file a home insurance claim for wildfires doesn’t have to be stressful. Notify your insurer quickly, take photos of the damage, and keep receipts for repairs to make sure everything is covered. Filing your claim on time helps speed up the process and gets you closer to compensation.
Being organized and selecting a trustworthy provider are crucial whether you’re preparing for the future or filing a claim right now. Consider home and auto insurance bundles to save on premiums after a claim. Use our free comparison tool to find coverage that works for you.
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Frequently Asked Questions
Does property insurance cover wildfires for homeowners?
Yes, property insurance often covers wildfire damage for homeowners, but it’s crucial to review your policy for exclusions in high-risk areas.
What is the 80% rule regarding fire insurance for homeowners?
According to the 80% rule, homeowners who want complete coverage for damages caused by fire must insure their property for at least 80% of its replacement cost.
What type of loss can fire insurance compensate homeowners?
Fire insurance typically compensates homeowners for structural damage, personal belongings, and additional living expenses if they need temporary housing. Additionally, homeowners insurance pays for smoke damage, covering cleaning, repairs, or replacing items affected by smoke from a fire.
Are accidental house fires covered by homeowners insurance?
Yes, accidental house fires are usually covered by homeowners insurance, including repairs and temporary housing costs while your home is being fixed.
How much does homeowners insurance pay if a house burns down?
The payout depends on your policy limits for dwelling and personal property coverage, ranging from tens to hundreds of thousands of dollars.
How do you negotiate property damage with a homeowners insurance company?
Prepare detailed documentation, repair estimates, and receipts to support your claim, and don’t hesitate to counteroffer if the initial settlement is too low. If you own a mobile home, exploring the best mobile home insurance options can ensure better coverage and smoother claim processing in the future.
Who should you call first when needing to file a homeowners insurance claim?
You should immediately contact your homeowner’s insurance provider to report the damage and start the claims process.
How do you calculate a homeowner’s fire insurance claim?
To calculate your claim, document all damages, estimate repair costs, and include personal property losses based on your coverage limits.
What should not be mentioned when filing a homeowner’s insurance claim?
Avoid admitting blame, speculating on the cause, or inflating damages, as these actions may endanger the approval of your claim. Furthermore, the repercussions of lying on a homeowners insurance application can be serious, including claim denial, policy cancellation, and even legal ramifications.
How long does it take to settle a house fire claim with homeowners insurance?
It can take anywhere from a few weeks to many months, depending on the severity of the damage and how promptly paperwork is provided.
How much does homeowners insurance increase after a fire claim?
After a fire claim, premiums can rise by 10% to 30%, depending on the insurer, claim amount, and your claims history. If your home insurance rates went up, enter your ZIP code to find a cheaper policy.
Can homeowners insurance deny a fire claim?
Insurers can deny claims if the fire resulted from negligence, fraud, or an event not covered by your policy, such as excluding natural disasters. Additionally, will a past bankruptcy keep me from getting approved for homeowners insurance? While it can affect your options, many insurers still offer policies, though rates may be higher or coverage more limited.
What do homeowners insurance companies do when your house burns down?
They assess the damage, calculate compensation, and cover costs up to the policy’s limits, including repairs and additional living expenses.
What happens if you don’t have homeowners fire insurance and your house burns down?
Without fire insurance, you’ll need to cover all repair and replacement costs out-of-pocket, which can lead to significant financial strain.
Does Farmers homeowners insurance cover wildfires?
Farmers’ insurance generally covers wildfire damage, but coverage details can vary, so reviewing your policy is essential. Reading our Farmers insurance review can provide additional insights into coverage options.
What is the downside of filing a homeowners insurance claim?
Filing a claim can result in higher premiums or possibly non-renewal of your policy, especially if you’ve made many claims previously.
Does homeowners insurance cover fire and earthquakes?
While most policies cover fire damage, earthquake coverage requires a separate endorsement or policy.
Does homeowners insurance cover fires in Texas?
Yes, most homeowners insurance policies in Texas cover fire damage, but verifying if wildfires are specifically included is essential. For mobile homeowners, exploring top Texas mobile home insurance providers can help ensure comprehensive coverage tailored to wildfire risks.
Does landlord insurance cover homeowners’ fire damage?
Yes, landlord insurance typically covers fire damage to rental properties and may include lost rental income during repairs.
What damage is not covered by homeowners insurance?
Homeowners insurance generally doesn’t cover intentional damage, neglect, or natural disasters like floods and earthquakes unless specifically added to your policy.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.