Wildfire insurance preparation checklist

Your property and insurance file

Work through these steps at your own pace. This checklist stays in the current browser page; it is not submitted or saved. Print a copy if you want to keep your progress.

• Record your current policy end date and keep the written notice.
• Gather the declarations page, policy forms, and any wildfire endorsements.
• List claim dates, causes, settlement status, and completed repairs accurately.
• Photograph the roof, exterior, surrounding area, decks, fences, and access.
• Collect dated invoices for repairs, roofing, vents, and vegetation work.
• Ask the insurer which improvements and documents it will consider.
• Compare dwelling, contents, liability, and additional living expense coverage.
• Ask about wildfire exclusions, deductibles, inspection conditions, and fees.
• Confirm lender requirements and the exact proposed effective date.
• Obtain written confirmation before assuming coverage is bound.

Questions for the agent

• Is wildfire covered in the proposed policy? Are smoke, ash, and soot subject to special terms?
• What is the deductible and how is it calculated?
• Does the settlement basis change for the roof or other parts of the home?
• If a FAIR Plan or separate fire policy is proposed, what does it leave out?
• What additional insurance is needed, and are there gaps between policies?
• Does the proposed policy meet the lender's requirements?

Keep emergency planning separate

An insurance file does not replace an evacuation plan. Use the evacuation preparation guide, sign up for local alerts, and follow instructions from the authorities responsible for your location.

Find official help

The state guide directory links to insurance regulators and wildfire preparedness organizations. Use the glossary to clarify unfamiliar terms before your next conversation.

General educational information. This website does not issue policies, bind coverage, or provide emergency alerts. Coverage and eligibility require individual review.