MATT GEPHARDT

Gephardt: What Homeowners Insurance Covers In A Wildfire

Jun 29, 2020, 8:54 PM | Updated: Jun 30, 2020, 10:05 am

SARATOGA SPRINGS, Utah – If last weekends wildfires proved anything, it is how quickly a spark can turn a communitys world upside down. After any disaster, the big questions on many peoples minds are who pays to rebuild, and what exactly is covered by insurance?

The good news: Broadly speaking, insurance covers wildfires.

Fire and smoke are standard insurance coverages across all insurance fire policies, said Todd Kiser, commissioner of the Utah Insurance Department.

The bad news: It is not always that simple. Homes, as well as outbuildings such as garages or tool sheds, are usually covered, as are trees and other landscaping. It is the stuff inside where coverage can get sticky.

AMAZING, pure and simple. This is aerial footage from #Chopper5 of the aftermath of the #KnollsFire in Saratoga Springs….

Posted by KSL 5 TV on Monday, June 29, 2020

Not everybody has lots of jewelry, or lots of guns, or lots of artwork, or lots of antiques, Kiser explained about valuables. So there are limitations on these policies.

Kiser said this is a good reminder to talk to your insurance agent at least once a year to make sure he or she knows what you have inside your home and if it would be covered.

Items outside your home, such as a trampoline or the fence around your yard, may also have coverage.

You could always have limitations, but most policies are going to extend coverage to personal property, said Kiser. A trampoline is going to be your property. If you just have a standard vinyl fence in a subdivision, that fencing is covered.

When homes burn, one of the hardest things to replace is the stuff inside. Its crucial to document what you have in your home.

A notebook with a list of items, receipts, and serial numbers is ideal, but at the very least, walk around your home with your smartphone and make a video so you can show what was in your drawers and hanging on your walls.

The Insurance Information Institute recommends avoiding throwing away anything immediately.

Keep damaged items until a representative from your insurance carrier has had the chance to assess its damage and make a claim report.

KSL 5 TV Live

Matt Gephardt

Follow @KSL5TVLike us on Facebook...

Matt Gephardt

How hoarding documents puts you at risk for identity theft

Someone who knows what they’re doing can do a whole lot of damage with the scraps of paper you’ve stashed in filing cabinets, drawers and other various hiding places around your house.

4 hours ago

FILE: construction zone...

Matt Gephardt

How to avoid hiring a bad contractor

Bobby Main investigates contractors for Utah's Division of Professional Licensing, here's his advice for avoiding bad contractors.

2 days ago

Dave Donegan showing Matt Gephardt the items that were broken in his move....

Matt Gephardt and Sloan Schrage, KSL TV

How liable is a moving company if your stuff gets damaged?

Dave Donegan’s home was just about to go into renovation, so he hired a moving and storage company to hold onto his household goods while work was underway.

6 days ago

FILE - The Amazon app is seen on a smartphone, Tuesday, Feb. 28, 2023, in Marple Township, Pa. (AP ...

Matt Gephardt and Sloan Schrage, KSL TV

Get Gephardt helps solve Amazon misdelivery mystery for Manti man

Most of us are ordering more and more things online, and it's sometimes frustrating with things like an Amazon misdelivery mystery.

15 days ago

Scrolling social media, Joyce Lake spotted an ad for a doll. However, not only did the doll not sho...

Matt Gephardt

Imposters are using trust in law enforcement to scam Utahns

Scrolling social media, Joyce Lake spotted an ad for a doll.

16 days ago

Matt Gephardt working with Bona Rose on the CarChex documents....

Matt Gephardt and Sloan Schrage, KSL TV

Get Gephardt: West Valley woman says her extended car warranty claim was denied unfairly

Many drivers buy an extended auto warranty to cover unexpected repair bills. But when a West Valley City woman turned to her warranty provider for major help on her car's transmission, they turned her down - repeatedly.

20 days ago

Sponsored Articles

Women hold card for scanning key card to access Photocopier Security system concept...

Les Olson

Why Printer Security Should Be Top of Mind for Your Business

Connected printers have vulnerable endpoints that are an easy target for cyber thieves. Protect your business with these tips.

Modern chandelier hanging from a white slanted ceiling with windows in the backgruond...

Lighting Design

Light Up Your Home With These Top Lighting Trends for 2024

Check out the latest lighting design trends for 2024 and tips on how you can incorporate them into your home.

Technician woman fixing hardware of desktop computer. Close up....

PC Laptops

Tips for Hassle-Free Computer Repairs

Experiencing a glitch in your computer can be frustrating, but with these tips you can have your computer repaired without the stress.

Close up of finger on keyboard button with number 11 logo...

PC Laptops

7 Reasons Why You Should Upgrade Your Laptop to Windows 11

Explore the benefits of upgrading to Windows 11 for a smoother, more secure, and feature-packed computing experience.

Stylish room interior with beautiful Christmas tree and decorative fireplace...

Lighting Design

Create a Festive Home with Our Easy-to-Follow Holiday Prep Guide

Get ready for festive celebrations! Discover expert tips to prepare your home for the holidays, creating a warm and welcoming atmosphere for unforgettable moments.

Battery low message on mobile device screen. Internet and technology concept...

PC Laptops

9 Tips to Get More Power Out of Your Laptop Battery

Get more power out of your laptop battery and help it last longer by implementing some of these tips from our guide.

Gephardt: What Homeowners Insurance Covers In A Wildfire