Flood and wildfire Insurance

British Columbians are urged to prepare for floods and wildfires

Apr 12, 2022 | 4:05 PM

PRINCE GEORGE – The province asks British Columbians to prepare for floods and wildfires this year.

They are urging British Columbians to better protect their homes and financial security by buying flood and fire insurance and taking further action to minimize the potential for damage when flooding is forecast, or the wildfire threat is high.

According to the province, many BC residents are uninsured or underinsured by the hazards, which are becoming more frequent due to climate change.

Disaster Financial Assistance is not available for losses due to wildfire because of the availability of fire insurance, which is why it is important to discuss coverage with an insurance company or representative.

Those who have already purchased insurance should review their policies to ensure their coverage best meets their needs. This is particularly important to do outside of flood and wildfire season, as homeowners may face challenges obtaining new policies or coverages if their property is under evacuation alert or order.

If you are placed under evacuation alert for any reason, you should immediately:

* Get prepared to leave your home on short notice.

* Get your grab-and-go bags ready (which should include several days of clothing, toiletries and medications), your emergency plan, copies of important documents and important mementos.

* Listen to local emergency officials for further information on the situation.

If you are placed under evacuation order for any reason, you must:

* Leave the area immediately.

* Follow the directions of local emergency officials and evacuate using the route(s) they have identified.

* Do not return home until you have been advised that the evacuation order has been rescinded.

Here are some tips to help British Columbians prepare for flooding:

* Clear debris from gutters and downspouts, and have a household plan ready.

* Elevate and anchor utilities, such as heating systems, electrical panels and sockets.

* Keep clear of eroded banks as they may result in unstable ground. Keep children and pets away from stream banks.

* With higher water levels, boaters and water users can expect increased debris.

* Boaters should be aware of the impact that their wake can have on shorelines and reduce speed accordingly. Wave action can cause erosion or flooding.

* Never drive or walk through flooded streets. Water can be deeper than it appears, and levels can rise very quickly.

* Stay alert for changing conditions, particularly if you live in low-lying areas or near waterways.