如何提交野火索赔
截至6月13日, 2022, five states are battling a total of 33 wildfires fires that have burned across 1,089,844英亩，而且这个数字还在继续上升.1
Whether you're currently residing in one of these impacted areas, 在那里拥有自己的财产, or are nervous about wildfires happening in your area, it's important to understand how you're protected and what you'll need to do once damage occurs.
森林大火 & 你的大发888dafa
当野火影响到你, 你的家人, 或者你的生意, there are a few things you'll want to be sure are protected:
- 建筑物及构筑物
- 你的财产和物品
- 汽车和车辆
- 损失:收入或利润的损失
- 临时食宿
房产大发888dafa
如果损坏或破坏是由火灾造成的, the majority of your property should be covered under your homeowners or renters insurance policy. This includes your personal belongings and the physical structure of your home. In the event that you must stay in a hotel and eat meals out because your home has been damaged by a wildfire, your insurance policy should reimburse you for these additional living expenses (known as ALE).2
Your insurance company will be responsible for covering the costs to repair or rebuild your home due to damage caused by both the fire itself and smoke.
你需要和你的大发888dafa公司核实一下, as the actual insurance payout you can expect to receive will differ depending on the specific terms and limits of your policy.
汽车大发888dafa
If you've chosen to include comprehensive coverage in your car insurance policy, your vehicle will be protected against damage caused by fire. It's important to note that comprehensive coverage is typically not required; you shouldn't assume you already have it. Check your policy and consider adding it on if you don't have it already.3
商业大发888dafa
通常, a business owner's policy (BOP) will cover fire damage to the building itself, 库存, 以及其他财产.4
如果你担心利润或收入的损失, you'll want to consider adding business interruption insurance. This can help cover what profits you would have made if your business were operating as normal as well as any overhead costs you might incur as you set up a temporary location f或者你的生意.
如何提出大发888dafa索偿
If the worst has occurred and your property was damaged or devastated by a wildfire, there are a few next steps you should take in order to file a claim with your insurance provider.
步骤1:尽快大发dafa888澳门你的大发888dafa公司
The sooner you let your insurance company know the damage has occurred, the sooner they can send out an insurance adjuster and begin the reimbursement or payment process. Some insurance companies may even place time limits on claims—meaning, 如果你等的时间太长, they may not be required to pay out for the damage that has occurred.
步骤#2:回顾你的家庭库存
As is the case when making any homeowners insurance claim, having a home 库存 is crucial to making the process smooth and seamless. Your home 库存 documents should be saved somewhere online so you can access them from a hotel computer (or your phone), 或者它们应该安全地储存在场外.
It's likely your insurance provider will ask you to complete a "Proof of Loss" form, in which you'll need to provide descriptions of what's been damaged or destroyed, 它们值多少钱, 当它们被购买时.
If possible, do not throw anything away, no matter how destroyed or damaged it may be. You'll want the insurance adjuster to be able to see the item and assess its damage for themselves.
第三步:询问需要什么
It's likely this is your first time facing such devastation, meaning you may not know what the insurance company needs from you. Don't be afraid to request clarification on what they require in order to process your claim, and ask what you can expect the next steps to look like.
Living in an area that's prone to wildfires means you should be well prepared for possible damage to occur. Review your current coverage to make sure you're adequately protected should the worst happen. 如果到了提出索赔的时候, follow these steps to receive your payout in a timely and efficient manner.
1. NIFC.政府,2022
2. Investopedia.com, 2021年3月4日
3. Investopedia.com, 2021年6月28日
4. Investopedia.com, 2021年10月26日
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