The Insurance Bureau of Canada (IBC) has issued a statement for Atlantic Canadians returning home after the lifting of several evacuation orders imposed due to ongoing wildfires.

“This will be a difficult time for many. Residents should not attempt to re-enter their property until officials have deemed it safe to do so,” the IBC writes. “Those with damage to their property will likely have questions about their insurance coverage.” The IBC further encourages those with questions to call its customer information centre at 844-227-5422 (844-2ask-IBC).

“IBC is continuing to engage with the federal and provincial governments on ways to improve the climate resilience of communities,” they write. “Insured losses related to severe weather in Canada now routinely exceed $2 billion annually. By comparison, between 2001 and 2010, Canadian insurers averaged $675 million a year in losses related to severe weather.”

The statement further encourages homeowners to be wary about lingering unseen dangers and encourages those in fire-affected areas to avoid using their well water, which can be contaminated after a fire.

They further state that virtually every home insurance policy covers damage caused by fire, as long as the fire was not started intentionally by the policyholder. “Consider having your electrical system checked within a couple of days,” they add. “Let your insurer know immediately about any damage.”

In addition to documenting all property losses and taking photographs if it is safe to do so, homeowners with gas service are also encouraged to check for fumes. Oil tank damages are discussed, as are procedures for documenting refrigerator and freezer contents for claims. It also discusses business interruption coverage and indemnity periods. All are encouraged to get in touch with their insurance representatives as soon as possible.