Once again, wildfires are raging through Southern California, and it just reinforces the fact that fire insurance is a necessity. If you live in Southern California like I do, you’ve seen plenty of coverage of the 3 major fires that are currently burning.

If you are one of the unfortunate people who has lost their home in one of these fires, here are a few things to keep in mind. If you haven’t lost your home, but you have, or will be signing up for fire insurance, you should keep these things in mind as well.

1. Be prepared with copies of documents, purchase receipts, etc. to help prove ownership. Photos & video evidence of home contents is also very helpful.
2. Try to be cooperative with your insurance agent - it may be hard if you have lost your home, but try to keep a level head and work with the agent, as they are just trying to do their job.
3. Review and assess the damages, and settle on an amount. This will sometimes require the help of a 3rd party and/or a lawyer.

What does fire insurance cover?

1. Structure - your home.
2. Other structures - this includes any other structures on your property, detached garage, pool, etc.
3. Personal property - your possessions and the contents of your home.
4. Temporary expenses - to help cover your temporary living expenses, etc.

Be sure to review your contract, as fire insurance policies will be different in many different scenarios.

Flickr Image: Uploaded on November 16, 2008 by Erik.Nielsen.Photos