Insurance Information for Those Affected by Alberta Wildfires

Report a claim online here or call 1-888-426-2444


Updated May 25, 2018

Wildfires can strike anywhere in Alberta with devastating results, but we want you to be as prepared as you can if your area is threatened. Here is some important information for our AMA Insurance policyholders in case of wildfire and some answers to some frequently asked questions.

What Are You Covered For

Q:How do I confirm my insurance coverage? I need to know if I have coverage and what am I covered for.
Our Insurance advisors will be able to review your policy with you and let you know what your coverage is. To talk to an advisor, call 1-800-615-5897.

Q:I don’t have my policy documents with me. How do I find out what I am covered for?
You don’t need to have your policy documents on you to look up your coverage; we are able to look that information up for you. If you’re interested in checking your policy wordings before you start the claims process or you have already begun a claim and wish to clarify your wordings, please contact our insurance service line at 1-800-615-5897 We’re available Monday – Friday from 8 a.m. – 8 p.m. and on Saturday from 9 a.m. – 5 p.m.

Q: Is there coverage for additional living expenses if I’ve been evacuated?

  • Your property policy contains coverage that provides assistance to you in the event of a mass evacuation. The intent of this coverage is to ensure that you are financially protected from an increase in reasonable short-term expenses directly related to the evacuation.
  • If you have been evacuated, call our claims line at 1-888-426-2444 24 hours a day to file a claim and access your mass evacuation funds, or report your insurance claim online.

Q: What expenses are covered in a mass evacuation?

  • Accommodation 
  • Food, over and above your usual costs 
  • Emergency clothing and toiletries if you were not able to take these items during the evacuation
  • Boarding of pets 
  • Fuel receipts incurred as part of the evacuation. Other types of transportation costs will be reviewed on a case by case basis by the adjuster. 

Q:What expenses are NOT covered in a mass evacuation?

  • Regular expenses that you would have normally had, for example mortgage and loan payments. 
  • Income replacement 
  • Alcohol and cigarettes
  • Costs of other people not insured by your policy
  • The replacement of items that were damaged or lost (this is handled under your contents coverage)
  • Jewellery, electronics, luxury or similar items that are not short-term expenses directly related to the evacuation.

Q: Do I need to keep receipts for mass evacuation coverage?
Yes. Please keep a copy of all your receipts during this time. Receipts should be fully itemized showing a breakdown of the individual items on each receipt. This coverage may vary depending on your individual policy and is subject to certain limits. Please refer to your policy wording for more information. 

Q: Who do I contact with questions about my Mass Evacuation Coverage?
We understand that being out of your home can be a difficult experience for you and your family. We are here to help. When you call to file a claim, a claims adjuster will assist you through the process. If you have further questions about your coverage we encourage you to discuss these with the adjuster handling your claim. 

Q: Is this considered an act of god and therefore not covered by insurance?
No. Contrary to popular belief, the term “act of god” is not used in home insurance policies. Most home insurance policies cover damage caused by fire.

Q: What is typically covered by home and condo insurance?
Home insurance covers damage to the building and contents to limits specified in the policy.
Additional living expenses, above what you would normally incur, are also covered if your home is damaged and you are not able to return to it while it is being repaired or rebuilt. This is usually specified as a percentage of the building coverage. For example, costs to stay in a hotel would be covered but groceries, which are something you would normally purchase, would not be considered an additional living expense.

Most policies also have mass evacuation coverage for cases where there is a civil order to evacuate for a reason that is covered by the policy, like fire. This is usually a pre-determined dollar amount, and goes into effect from the evacuation date.

Q: I’m a renter, is my stuff covered?
If you have renter’s or tenant’s insurance, those policies provide coverage for your belongings to limits specified in the policy. They would also include coverage for additional living expenses. With AMA Insurance, we include mass evacuation coverage in your rental policies, but it’s important to refer to your policy to confirm the coverage you have.

Q: Is my car covered?
This will depend on the type of coverage you purchased under your auto policy. Comprehensive coverage is required to cover any loss due to fire. Your insurance provider will be able to tell you if your policy includes comprehensive coverage.


Filing a Claim

Q: How do I make a claim?
You can report your home or auto insurance claim online, or call 1-888-426-2444 24 hours a day.

Q: When/how soon do I need to report my claim?
There is no urgency unless you need the peace of mind of talking to one of us. If you’ve been evacuated, you’re covered from the time of your evacuation, not the time that you file a claim, so just make sure you’re keeping your receipts and call us when it’s convenient. There’s no urgency to contact us yet. If you’re still in the evacuation process, or are moving on to a more permanent destination, focus on your family’s safety and your immediate needs. We’ll be here for you when you’re ready.

Q: I left my insurance documents behind. What do I do if I need to make a claim?
No need to worry about that. You don’t need to have your policy documents on you to file a claim; we are able to look that information up for you. The important thing if to stay safe. Documents are not something you need to worry about. If you’re interested in checking your policy wordings before you start the claims process or you have already begun a claim and wish to clarify your wordings, please contact our insurance service line at 1-800-615-5897 We’re available Monday – Friday from 8 a.m. – 8 p.m. and on Saturday from 9 a.m. – 5 p.m.