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For immediate release
West Coast Press Office: Janet Ruiz, 707-490-9365,Ìýjanetr@iii.orgÌý

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SAN FRANCISCO, Aug. 9, 2023—Reporters covering Hawaii’s wildfires can contact theÌýÌý(Triple-I) for interviews and analysis.

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Maui and Big Island residents were among those impacted this week by wildfires which accelerated because of the strong winds associated with Hurricane Dora.

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The Triple-I subject matter experts listed below can discuss ,Ìýbusiness, business income (interruption), ,Ìýand Ìýcoverage issues while also providingÌý.ÌýÌý

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California:

• Janet Ruiz, Director, Strategic Communications, 707-490-9365, janetr@iii.org

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New York:

• Michael Barry, Chief Communications Officer, 917-923-8245, michaelb@iii.org

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Triple-I offers the following insights on what’s typically covered under the policies most Hawaiians have:

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Homeowners and Renters Policies Cover Fire and Smoke-Caused Damage

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Damage caused by fire and smoke is covered under standard homeowners and renters insurance policies. Ìý

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A standard homeowners insurance policy covers wildfire-caused property damage to a home’s structure and its outbuildings (e.g., garage) as well as the personal belongings housed on the premises.Ìý

A standard renters insurance policy covers the renter’s personal belongings.

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Standard homeowners and renters insurance policies also provide additional living expenses (ALE), sometimes referred to as Loss of Use, to policyholders who either relocated because of a mandatory evacuation order or had their residence rendered uninhabitable due to wildfire-caused property damage.

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Water damage caused by firefighters extinguishing a fire is covered under both homeowners and renters insurance policies.

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Auto Policies Cover Fire and Wind-Caused Damage If Driver Opted for Comprehensive

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The optional comprehensive portion of a standard auto insurance policy covers vehicles against damage caused by fire, falling objects, and other hazards. Nearly 80 percent of U.S. drivers opt to purchase comprehensive coverage.

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RELATED LINKS:

Articles: ÌýÌýÌýÌýÌýÌýÌýÌýÌý ÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýWildfires: Insurance and Recovery Resources, Facts About Wildfires

Facts & Statistics:ÌýÌý ÌýÌýÌý Wildfires

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