With recent wildfires making headlines—both in Los Angeles and right here in Old Fort, NC—many homeowners are asking: Does my insurance policy cover wildfire damage? It’s a great question, and the good news is: Yes, in most cases, your homeowners insurance does cover wildfire damage.
How Does Homeowners Insurance Cover Wildfires?
Standard homeowners insurance policies in North Carolina generally cover damage caused by fires, including:
>> Wildfires
>> Electrical fires
>> Kitchen fires
>> Other accidental fires
That means if a wildfire damages your home, your dwelling coverage helps pay for repairs or rebuilding. If personal belongings are lost, your personal property coverage can help replace them. And if your home is temporarily unlivable due to fire damage, loss of use coverage may help with additional living expenses like hotel stays.
When is Fire Damage NOT Covered?
While most fire-related damage is covered, there is one major exception:
>> Arson – If you intentionally set fire to your home or are convicted of arson, your claim will be denied. (And yes, arson is a crime, so just don’t do it!)
How Common Are Wildfires in North Carolina?
Wildfires aren’t just a West Coast problem—they happen in North Carolina, too. In fact:
>> North Carolina averages 4,400 wildfires per year
>> These fires burn approximately 25,000 acres annually
>> The majority of wildfires in NC are caused by human activity, such as debris burning or campfires left unattended
With wildfires becoming more frequent, especially in dry seasons, homeowners need to be prepared.
How to Protect Your Home from Wildfires
Even though your homeowners policy covers wildfires, preventative steps can help minimize damage and risk. Here’s what you can do:
>> Create Defensible Space – Keep trees and shrubs trimmed, and clear debris near your home.
>> Check Your Gutters & Roof – Dry leaves can be fuel for fires. Clean them regularly.
>> Be Smart with Fire – Never leave campfires, grills, or burn piles unattended.
>> Review Your Insurance Policy – Make sure you have enough coverage to rebuild if necessary.
Have Questions? We’re Here to Help!
If you’re unsure about your homeowners policy and fire coverage, give us a call! At Brevard Insurance, we’re here to help you understand your coverage and make sure your home is properly protected.
>> Contact us today to review your policy or get a quote!