A wildfire evacuation does not have to damage your building to put you out of it for a week. Whether your policy pays for those nights turns on a clause most tenants have never read.
Civil authority cover pays when officials bar access to an undamaged home. It is usually time-limited.
Three things about being told to leave a building that is still standing.
Most loss of use cover responds when your home becomes uninhabitable because of an insured loss. An evacuation order leaves the building untouched and still keeps you out of it. The clause that answers is civil authority, it is usually capped at a set number of weeks, and it is not in every policy at the same length.
Personal property cover follows your belongings off the premises, usually at a reduced percentage of the limit. If you evacuate with a car full of possessions and something happens to them elsewhere, which limit applies is a question worth knowing the answer to in advance.
Smoke damage to clothing, furniture and electronics is a covered peril on most renters forms and it affects buildings fires never reach. In a smoke event the claims are numerous, small and widely spread, and tenants without a policy absorb them entirely.
The clauses that matter in a wildland town.
And for how many weeks. Two policies at the same price can differ considerably here.
Local short-term accommodation is expensive during an incident, which is exactly when you would need it.
Usually a fraction of your contents limit. Worth knowing before you load the car.
Tell us what the place is and roughly what the contents are worth. We will check the evacuation clauses.
We read the civil authority wording, which is the Prescott-specific part.
Request a quote