Following a Wildfire
Because most of Chubb's homeowner policies provide “all risk” coverage, physical damage caused by a wildfire may be a covered loss. We may also pay the following coverages (the base deductible or a special deductible may apply):
Wildfire Defense: Available in select states, we cover the reasonable expenses incurred to defend your covered property against the threat of wildfire when a wildfire is within 3 miles, or a civil authority initiates an evacuation order for the insured residence. Special coverage limits apply.
Additional Living Expenses: If a covered loss to your house, other permanent structure or contents makes the dwelling(s) uninhabitable, we may provide coverage for any reasonable increase in your normal living expenses, which could include:
- Temporary residence
- Hotels, meals, transportation, etc.
- Pet kenneling
- Replacing lost fair rental value, or
- Other increases to normal living expenses, as described in the policy
However, power outages that do not result from a covered loss to your property will not trigger Additional Living Expenses.
Temporary Precautionary Repairs: After a covered loss, we may provide coverage for temporary precautionary repairs to protect the home, contents, or other structures from further damage.
Debris Removal: We may pay for the cost to demolish damaged property and remove debris.
Forced Evacuation: If you are forced to evacuate your home or other permanent structure as a direct result of a covered loss or a reasonable threat of a loss covered under the policy, we may cover the reasonable increase in normal living expenses for up to 30 days. This might include hotel and meal expenses or kenneling for pets.
Food Spoilage: If you have coverage for Contents, we may cover the cost of spoiled food and wine caused by power interruption. Special coverage limits and deductibles apply in most states.
Please review your policy for complete details of the coverage contained in your policy.
The content of this document is presented for informational purposes only, and is not intended as a substitute for consultation with your insurance broker, or for legal, engineering or other professional advice. Insureds are responsible for safety and risk control of their premises. Chubb may exercise its right to inspect premises from time to time under insurance policy terms and conditions, but it does not have any obligation to oversee or monitor an insured’s safety and risk control practices. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at www.chubb.com. Insurance provided by Federal Insurance Company and its U.S. based Chubb underwriting company affiliates. All products may not be available in all states. Surplus lines insurance sold only through licensed surplus lines producers. Chubb Limited, the parent company of Chubb, is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb, 202 Halls Mill Road, Whitehouse Station, NJ 08889