What Okanagan Homeowners Need to Know About Wildfire Insurance

<p>Wildfires have become an almost yearly reality in the Okanagan, and most homeowners don&#39;t think about their insurance policy until smoke is already on the horizon. In this episode of FH&amp;P Lawyers&#39; Law Talk, Partner Clay Williams sits down with fellow Partner Darren Kautz to talk about how wildfires affect home insurance, from roof damage to filing deadlines.Clay and Darren discuss:• Why you can&#39;t get a new policy, switch providers, or even renew once a wildfire has started• How fire retardant drops can cause more roof and siding damage than the fire itself• Why your foundation can crack even if your home never burns• Whether BC is headed for a California-style insurance crisis• Why premiums are climbing while coverage is quietly shrinking• What additional living expenses actually cover when you&#39;re evacuated• What under insurance means and why assessed value isn&#39;t rebuild value• How insurers are restricting coverage by postal code• Why summer is the worst time to renew your policy• What is guaranteed replacement cost, and why to get it in writing• How photographing and cataloguing your belongings can prevent disputes• What a free FireSmart BC assessment can do for your coverage• Why your roofing material affects your fire risk• Why BC&#39;s two-year limitation period is the biggest mistake homeowners make.If you have questions about your home insurance policy or a dispute with your insurer, this conversation is a practical starting point, and where to get legal advice early. Discuss your situation with FH&amp;P Lawyers: https://www.fhplawyers.com/contact.htmlThis content is for informational purposes only and does not constitute legal advice.FH&amp;P Lawyers | Rooted in Community. Ready to Help.#InsuranceLaw #WildfireInsurance #OkanaganWildfires #HomeInsurance #FHPLawyers #LawTalkPodcast #OkanaganLawyers #KelownaLawyers</p>