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Gaps in Washington insurance coverage
California's recent surge in insurance policy cancellations amid the wildfires is raising concern over potential gaps for homeowners across the country, including in Washington state.
SEATTLE - As devastating wildfires continue to rip through Southern California, struggling homeowners in Los Angeles County report an alarming surge of insurance policy cancelations. These so-called "fire carveouts" have made national headlines, prompting homeowners across the country to examine their own policies. Raising questions like, are there potential coverage gaps in the event of a natural disaster here in Washington state?
Between 2019 and 2024, Pacific Palisades experienced over 1,900 insurance policy cancelations, driven by the growing threat of wildfires. Aaron VanTuyl, spokesperson for the Washington State Insurance Commissioner wants to assure Washingtonians, that is not happening here. According to VanTuyl, the insurance market in Washington is relatively stable and at this time no providers have excluded wildfire coverage from their policies.
"If you have wildfire damage to your home, it is covered just like any other type of fire damage," assured VanTuyl.
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However, that is not the case for all natural disasters in the Evergreen State. Homeowners have gaps to fill. VanTuyl says earthquake and flood insurance are not typically covered under standard homeowners insurance. To be fully protected, homeowners would need to purchase separate coverage for these risks through private insurers or the National Flood Insurance Program administered by FEMA.
Additionally, homeowners should be aware of potential exclusions for debris removal. As reported by families caught in the aftermath of the bomb cyclone back in November, insurance may cover the cost of removing trees from a home after a storm, it may not extend to removing debris from the yard.
The rising cost of home insurance, particularly in areas more susceptible to wildfires or other natural disasters, is another concern. According to VanTuyl, the cost of homeowners insurance has increased due to rising claims payouts.
"I think since 2018 the total amount that insurance companies paid out to cover homeowners claims has essentially doubled," said VanTuyl.
Homeowners in areas at higher risk of natural disasters, including those in drier climates or near wildfire-prone areas, may face higher insurance premiums, as insurers factor in the risk of loss.
VanTuyl recommends homeowners review their policies twice a year or when the policy is up for renewal to ensure they have adequate coverage, particularly for catastrophic events like wildfires. Noting that, in a wildfire situation, you may be looking at a complete rebuild rather than just repairs.
Starting July 1, Washington will implement a new law requiring insurance providers to give homeowners at least 60-days notice before dropping their coverage, an increase from the current 45-day requirement.
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