Arizona wildfire victims face difficult insurance choices

Arizona property owners are facing the question of what to do after wildfires leave them without insurance. The issue is especially important for people whose homes or other property may be exposed to future fire damage.

Start with the policy

Property owners should read their current or most recent policy and identify what it covers, when the coverage ended and whether any exclusions or deadlines apply. They should keep records of notices from the insurer and document damage, repairs and other costs.

Contact the insurer

The next step is to ask the insurance company for a clear explanation of the loss of coverage and any options available. Questions should include whether coverage can be renewed, whether another policy is available and what steps the owner must take to qualify.

Get advice before acting

Owners should compare any replacement coverage carefully, including its limits, exclusions, deductible and treatment of wildfire damage. They should also keep copies of applications, policy documents and communications with insurers.

The specific choices will depend on the property, the policy and the insurer's decision. Property owners should get the terms in writing and pay close attention to deadlines before repairing, rebuilding or purchasing replacement coverage.