Is Your Home Protected Against Smoke or Fog Coming From Another Country?

Americans are somewhat accustomed to wildfires, having seen annually what they do to California. Canada has wildfires of its own. The snag to that is the smoke and haze are affecting the air quality of Americans in such disparate locations as Pennsylvania, Baltimore, Maryland, and Wisconsin. Does the smoke and haze affect your home insurance?

Smoke Damage To A Home

Yes and no. Yes, because smoke damage is covered under most home insurance policies. Fire is a covered peril. Canadian wildfires aren’t new, but the smoke hanging over American cities is. Consulting an agent at Neff & Associates Insurance Services Inc. in Pismo Beach, CA can help you learn more. 

No, because the haze and smoke generally concern those with respiratory problems rather than smoky-smelling walls and draperies. Here’s what else you should know.

What The Insurance Companies Say

Since you live in Pismo Beach, CA, you might have heard about home insurance companies. Many insurers won’t insure California homes anymore due to the terrible cost of wildfires and rebuilding lives following them. 

That said, there’s no research into how the Canadian wildfires’ smoke and haze affect American insurance companies. The affected sector appears to be New England down to North Carolina, the Midwest in Wisconsin, and the areas on the American-Canadian border. Pismo Beach residents probably won’t be affected by Canadian smoke.

What You Can Do

Consult with Pismo Beach, CA’s Neff & Associates Insurance Services Inc. While we can’t find much research right now, things change daily. There could be reassuring news for Pismo Beach residents tomorrow. An important note is that Pismo Beach is in the middle of the state. It might not be immune to California’s wildfires, but it might not run afoul of them. In any case, call or drop into our offices to find out the latest news.