As multiple wildfires continued to burn across Utah, state insurance officials encouraged homeowners and renters to review their policies to ensure adequate coverage before disaster strikes.
For residents like Jorgen Olsen, the active fire conditions and smoky skies served as a reminder of the risks associated with the wildfire season. Olsen noted that the haze was visible and expressed concern regarding whether his property was sufficiently protected.
Tracy Klausmeier of the Utah Insurance Department stated that fire is generally included in most homeowner policies. However, she cautioned policyholders against assuming every loss would be covered.
Klausmeier advised residents to review their policies for any exclusions or specialty language that could exempt them from coverage. She also noted that while items such as jewelry, antiques, and firearms can be insured, they often require separate endorsements added to a traditional homeowner's policy.
Insurance experts also recommended that renters verify if fire damage is included in their specific renter's insurance policies.
While no statewide moratorium was in place on homeowners insurance policies including fire coverage, officials noted that availability can change based on insurer policies and wildfire activity.
Insurance officials recommended that both homeowners and renters schedule time with agents to identify coverage gaps and understand protections before an emergency occurs.
