Stay safe Alberta and Eastern Canada, we're thinking of you.
Your time is valuable, and we have new options available. Our customers can access their policies online to make self-service changes via HUB MyAccount, or contact us via alternate methods here.
Wildfires continue to rage across Alberta, where about 19,000 people have been displaced because of evacuation orders.
Thousands of other residents, however, are still waiting for the threat to pass. Wildfires move fast, change direction quickly and are hard to contain. When disasters such as these strike the key thing is your safety, which is why you should always listen to local authorities.
If you’re one of the residents in the province that is still at home and concerned about what to do if you have to leave, HUB SmartCoverage has pulled together some important tips to help protect your family and home - before and after an evacuation.
What you can do
During an emergency, access to information is critical. For the most up to date resources on safety, preparedness, government resources and more visit the HUB Wildfire Resource Centre.
The Insurance Bureau of Canada (IBC) also recommends creating an emergency preparedness plan. In the event of a wildfire, make sure each household member knows what to do. IBC says your plan should include possible exit routes from each room in your home and a safe place to meet if you’re not at home and need to evacuate by different routes.
Additional living expenses
IBC adds most home insurance policies cover damage caused by fire. If residents have to leave their homes because of mandatory evacuation orders issued by civil authorities, most home and tenant insurance policies will provide coverage for reasonable additional living expenses for a specified period of time. Your insurance company can tell you the details of your policy, and what you’re entitled to as well as what period of time.
They advise residents that have been evacuated to keep receipts and contact their insurer when they can. The additional living expenses start from the day of evacuation, not the date of a claim. IBC says you can initiate a claim for these expenses before you can return home.
Damage to a vehicle from fire or water is usually covered if you have comprehensive or all-perils auto insurance. This coverage is not mandatory, so check your policy.
IBC is a good general resource for wildfires. Visit here for more information. But it is your insurer that will have all the details of your personal policy.
The Province of Alberta, meanwhile, is also currently offering residents a one-time payment if they have been evacuated for seven days or more. Each eligible adult will receive $1,250; an additional payment of $500 will be made for each dependent child under 18.
Evacuees can apply for the emergency payment at alberta.ca/emergency using an Alberta.ca Account. Funds can take up to 24 hours to be deposited via e-transfer into accounts. Evacuees who are unable to receive an e-transfer or who can't apply online can contact 310-4455 to make alternate arrangements.
Applications will remain open until 30 days after the wildfire evacuation order for their community ends.
The most important thing in an evacuation situation is the safety of your and your family members. Always listen to the authorities. And should you have questions about your home insurance policy or need to initiate a claim, remember your insurer is always there to help.