Go Back
  • For Business
  • |
  • Warnings
  • Data Suite
  • Newsletters
  • Advertising
  • Superior Accuracy™
Tropical trouble could stir near Southeast beaches around 4th of July. Get details Chevron right
Severe storms, flash flooding to bring July Fourth holiday travel hassles. Get details Chevron right

Columbus, OH

72°F
Location Chevron down
Location News Videos
Use Current Location
Recent

Columbus

Ohio

72°
No results found.
Try searching for a city, zip code or point of interest.
settings
Columbus, OH Weather
Today WinterCast Local {stormName} Tracker Hourly Daily Radar MinuteCast Monthly Air Quality Health & Activities

Around the Globe

Hurricane Tracker

Severe Weather

Radar & Maps

News

News & Features

Astronomy

Business

Climate

Health

Recreation

Sports

Travel

For Business

Warnings

Data Suite

Newsletters

Advertising

Superior Accuracy™

Video

Winter Center

AccuWeather Early Hurricane Center Top Stories Trending Today Astronomy Heat Climate Health Recreation In Memoriam Case Studies Blogs & Webinars

News / Weather News

What homeowners need to know about fire insurance

By Ashley Williams, AccuWeather staff writer

Copied

Three workers have been fired over offensive Camp Fire photos.

As devastating wildfires appear to worsen each year, many residents who might face potential impacts from future blazes might choose to take additional steps to ensure that their homes are adequately insured against fire damage.

While homeowners insurance does typically include coverage for destruction of a home and belongings as a result of a wildfire, coverage can vary based on the policy and where the home is located, according to Allstate. Some insurers also don’t sell homeowners insurance policies in places that commonly experience wildfires.

What type of wildfire coverage can you expect?

Homeowners should be aware of what type of protection their insurance policy covers in the event of wildfire damage.

Insurance will typically offer coverage for your dwelling, which includes your house and attached structures like garages or decks, according to Allstate. Dwelling coverage may also help pay for any repairs or necessary rebuilding.

“If a wildfire damages a home, a standard homeowners policy typically covers the cost to fix the damage and replace any belongings that were damaged or destroyed as a result of the fire,” said Michael Crowe, CEO of Clearsurance, an online publisher of insurance consumer data.

House on fire - Getty Images

(Photo/mpruitt/Getty Images)

If the home is left uninhabitable, Coverage D in a standard homeowners policy, which covers loss of use, is designed to help homeowners with additional costs of living expenses, according to Crowe.

“Some of the expenses that may be included are hotel accommodations, additional meals that exceed the regular cost of living, pet boarding, storage fees and laundry bills,” said Crowe, who added that it’s important to keep all receipts for these expenses.

However, coverage for additional living expenses doesn’t mean all costs after a wildfire are covered, according to Crowe. “For example, a homeowners mortgage payment or other expenses like birthday presents aren’t included,” he said. “The additional living expenses only covers expenses a homeowner wouldn’t have had if it weren’t for the wildfire, like temporary housing or a storage facility for belongings while the home is rebuilt.”

You can also expect your belongings to be covered. Personal property including clothing and furniture are normally covered in a standard policy, but homeowners should review their specific policies for any limits on coverage.

You should review your homeowners insurance for possible landscaping coverage it may offer for your land and yard, as there might be limited coverage for damaged trees, shrubs or plants, according to the American Institute of Certified Public Accountants.

Important steps to take

“It’s important to double-check with your policy, because some companies decide to have special exemptions for fire damage, especially with the increase in frequency and damage that has been caused by fires in the last decade,” said Nathan Barber, digital content specialist for insurance comparison marketplace QuoteWizard.

RELATED:

What can homeowners in high-risk areas do if they’re struggling to obtain, keep wildfire insurance coverage?
Why some plants can withstand wildfires better than others
What is the red substance that firefighters drop from the sky to battle wildfires?
How destructive wildfires create their own weather

“First, make sure to create a digital home inventory that itemizes all the things in your home, including estimated values and photos,” Barber said. “Compare the total value of your belongings in your home inventory with the amount of coverage for your belongings in your policy.”

It will also be helpful to create a list of and note the values for collectible items that are typically excluded from a homeowners insurance policy, including art, coins, jewelry, china, rugs and wine.

After you create your digital home inventory, you can then work with your agent to ensure that your valuables are covered, according to Barber. He also recommended remembering to take photos of the various materials and equipment in your home.

“If you have done extensive remodeling with new appliances, floors, roof, etc., you want to make sure it's covered in your policy if your home is destroyed,” Barber said.

“Have your home inventory stored away from the home,” he advised. “If it burns due to a wildfire and you lose your home inventory as a result, you won't have the proper information to get reimbursed in a timely manner.”

When it’s time to file a claim

The sooner a homeowner files a claim after wildfire damage, the better, experts say, as insurance companies in the area are likely to be inundated with an influx of claims after a wildfire.

“In order to get the claims process started quickly, the earlier the claim is filed, the more likely it is that you’ll be helped sooner,” Crowe said. “Insurance adjusters will also be requesting a description of each damaged item from the wildfire, so being organized with a home inventory will help make for a smoother claims process.”

<hr>

For more safety and preparedness tips, visit AccuWeather.com/Ready.

AccuWeather ready logo
Partner Module Enhancement
Report a Typo

Weather News

Recreation

Boulders narrowly miss swimmers at popular Utah waterfall

Jun. 27, 2025
Weather Forecasts

July 4 Forecast: Thunderstorms to focus over Upper Midwest and Florida

Jul. 1, 2025
Weather News

Girl, 8, rescued after 7 hours in flooded sewer in China

Jun. 27, 2025
Show more Show less Chevron down

Topics

AccuWeather Early

Hurricane Center

Top Stories

Trending Today

Astronomy

Heat

Climate

Health

Recreation

In Memoriam

Case Studies

Blogs & Webinars

Top Stories

Severe Weather

Severe storms, flash flooding to bring July 4 holiday travel hassles

2 hours ago

Weather News

Storm chaser stages whirlwind proposal with real tornado

12 minutes ago

Weather News

Tropical trouble could stir near Southeast beaches around 4th of July

1 minute ago

Astronomy

July offers rare meteor shower combo, stunning views of the Milky Way

5 days ago

Weather News

Flights cancelled as Atlanta airport recovers from severe weather

2 days ago

More Stories

Featured Stories

Travel

Fourth of July gas hasn’t been this cheap since 2021

1 hour ago

Recreation

Two people rescued after going overboard on Disney cruise ship

2 hours ago

Weather News

Fossil reveals ‘Last of Us’-type fungus likely lived with dinosaurs

6 days ago

Health

'Inverse' vaccines may hold key to challenge autoimmune diseases

1 day ago

Weather News

World’s most liveable city for 2025 revealed

1 week ago

AccuWeather Weather News What homeowners need to know about fire insurance
Company
Proven Superior Accuracy About AccuWeather Digital Advertising Careers Press Contact Us
Products & Services
For Business For Partners For Advertising AccuWeather APIs AccuWeather Connect RealFeel® and RealFeel Shade™ Personal Weather Stations
Apps & Downloads
iPhone App Android App See all Apps & Downloads
Subscription Services
AccuWeather Premium AccuWeather Professional
More
AccuWeather Ready Business Health Hurricane Leisure and Recreation Severe Weather Space and Astronomy Sports Travel Weather News Winter Center
Company
Proven Superior Accuracy About AccuWeather Digital Advertising Careers Press Contact Us
Products & Services
For Business For Partners For Advertising AccuWeather APIs AccuWeather Connect RealFeel® and RealFeel Shade™ Personal Weather Stations
Apps & Downloads
iPhone App Android App See all Apps & Downloads
Subscription Services
AccuWeather Premium AccuWeather Professional
More
AccuWeather Ready Business Health Hurricane Leisure and Recreation Severe Weather Space and Astronomy Sports Travel Weather News Winter Center
© 2025 AccuWeather, Inc. "AccuWeather" and sun design are registered trademarks of AccuWeather, Inc. All Rights Reserved.
Terms of Use | Privacy Policy | Cookie Policy | About Your Privacy Do Not Sell or Share My Personal Information

...

...

...