Usually not. When a wildfire is burning nearby, insurers commonly stop writing new policies or increasing coverage for homes in the area until the danger has passed.
These temporary restrictions can start as soon as a fire is reported within a certain distance of a property, so they can affect a home purchase or a policy change with little warning. If you’re buying a home, especially in the foothills or near open land, get your insurance bound early in escrow so a fire doesn’t delay your closing.
California’s fire season has grown longer, so it’s best to review your limits, deductibles, and rebuilding costs before summer.
Questions about your own policy? Elye Insurance in Mission Viejo helps homeowners and drivers across California and beyond compare options from multiple carriers.
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