Tricia Thorpe’s residence was destroyed in the devastating 2021 Lytton wildfire, along with numerous other homes, marking five years since the tragic event. Thorpe, who has since reconstructed her home, faced the challenging task without insurance coverage.
The absence of insurance left Thorpe without governmental assistance, as she discovered that fire damage was not covered by her policy. This situation is not uncommon in the region, with an undisclosed number of families potentially having lost their homes to wildfires this year.
Experts emphasize the importance of understanding insurance policies in the aftermath of wildfires, even for those fully insured. Liam Corcoran, a lawyer and adjuster, highlights the complexity of the rebuilding process, which may take years, even for those with coverage.
Annick DeGooyer, who lost her home in the 2023 McDougall Creek wildfire, emphasized the value of documenting property before disasters. Such documentation can significantly aid insurance claims, as seen in DeGooyer’s case.
Insurance coverage may also extend to covering evacuation-related expenses, according to Insurance Bureau of Canada vice president Aaron Sutherland. This support can include costs like accommodation and food, varying based on individual circumstances.
However, challenges persist, particularly in remote areas where homes may be underinsured or uninsured due to high policy costs. Some properties are deemed high-risk by insurance companies, leading to increased premiums or even the denial of coverage.
The aftermath of wildfires underscores the importance of proactive insurance coverage and disaster preparedness, as communities continue to grapple with the long and arduous process of recovery and rebuilding.