The Insurance Bureau of Canada (IBC) has launched its Virtual Community Assistance Mobile Pavilion (V-CAMP) helpline to provide real-time, one-to-one support for residents in British Columbia dealing with the aftermath of widespread wildfires. The initiative aims to assist affected individuals with insurance claims and recovery processes as evacuations continue and properties face destruction across the province.

As of Wednesday morning, the BC Wildfire Service reported five Wildfires of Note burning in British Columbia. Approximately 115 wildfires are currently active, with more than 50 considered out of control. Some homes have been reported damaged or destroyed, prompting IBC to coordinate closely with provincial and federal governments, emergency management officials, and municipal authorities in the affected communities.

Aaron Sutherland, Vice-President, Pacific and Western at IBC, stated that the organization is applauding first responders while urging those with property damage to contact their insurance representatives when ready to begin the claims process. Consumers with general insurance questions can reach IBC’s Consumer Information Centre at 1-844-2ask-IBC.

Key Insurance Guidance

IBC has outlined specific steps for policyholders to initiate their claims:

Standard homeowner and tenant insurance policies generally cover fire damage, even if the fire originated on a neighboring property, provided it was not started intentionally by the policyholder. These policies typically include coverage for additional living expenses (ALE) if a civil or provincial authority orders an evacuation. Policyholders are advised to keep receipts for costs such as hotel stays and to confirm the specific amount and duration of ALE coverage with their insurer.

Seasonal Residences and V-CAMP Support

Owners of seasonal or secondary residences, such as cottages or cabins, are urged to check their properties for damage when it is safe to do so and report any issues promptly. Coverage for these properties may differ from primary home insurance policies, requiring a review of specific policy wording and limits.

IBC’s V-CAMP is staffed with trained insurance industry personnel available via phone at 1-844-227-5422 or email at AskIBCWest@ibc.ca . The team addresses general questions regarding home, business, or vehicle insurance policies, including details on additional living expenses and the claims process. Affected residents can also access further information on IBC’s Wildfires & Insurance webpage.