Does My Car Insurance Cover Damage From Wildfires

Unfortunately, wildfires are becoming more and more common in California. The season is approaching, and it’s important to know if your car is covered from any damages that may happen from these natural disasters.

Comprehensive Coverage Plan

If you have a comprehensive coverage plan, you’re probably covered. These plans cover any damage to your vehicle caused by anything other than collision. Generally, theft, vandalism, fire, natural disasters, falling objects, damage done by animals, and civil disturbances are covered. Most car insurance plans come with this standard.

Fire Damage Caused by Wildfires

It’s important to remember that wildfires can cause damage many miles from their blaze, especially exterior damage on cars and homes. Fallen wet ash can cause scratches to paint. If your car does get ash on it, do not wipe it off. Instead, rinse it off, as this will cause less cosmetic damage. After rinsing, use warm water and a soft car sponge or towel to clean it. Be sure that when using car wash soap, you start at the top and work your way down. While washing, continue to add as much water as possible to remove any debris. Right after you are done washing and rinsing, dry your vehicle off to prevent any more debris or ash from sticking.

Preventing Fire Damage

The best way to try and prevent fire damage is to put your car in the garage. If you do not have a garage, placing a car cover over your vehicle will offer some protection. Waxing your car will also add another layer of protection to your vehicle. You can also get a protectant applied to your car. Always remember to keep your windows and sunroof rolled up to prevent any ash from getting into the inside of your vehicle.

Talk to your car insurance or home insurance today to see if you’re covered. When you need help with restoration, call us!

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