Wildfire Season is Here: Commissioner Downing Reminds Montanans how to Protect Property and File and Insurance Claim

FOR IMMEDIATE RELEASE

Helena, Montana – On Wednesday July 10, 2024, the Horse Gulch Wildfire grew rapidly near Canyon Ferry Lake and claimed the life of a wildland firefighter pilot, Juliana Turchetti. “Our deepest condolences go out to this brave pilot, her family, and friends during this difficult time,” said Commissioner Troy Downing. “We are grateful to all those putting their lives in danger to protect our homes, businesses, and property.”

Commissioner Downing reminds Montanans to be proactive and take the necessary steps to prepare and protect their property. “It is crucial for Montanans living in wildfire danger areas to mitigate risk and create an inventory list,” said Downing. “Before a fire, simply walking around your house taking pictures of your property can speed up the claims process and ensure you are properly paid by the insurance company for losses.”

If your property suffers damage from wildfires:

1. Call your insurance agent as soon as possible to file a claim.
2. Mitigate further damage but do not rush to repair or throw out damaged items without first speaking with your adjuster. 
3. Document the damages. Using your phone, take pictures and videos of the damaged property. Include appliance numbers and samples of damaged items. 
4. Keep receipts of all expenses associated with the fire. Hotel rooms, groceries, clothing, and mitigation materials, such as tarps, may be eligible for reimbursement by your insurance company. 
5. Contact the CSI with questions, concerns, or for help navigating the claims process.

Contractor fraud is common after catastrophic losses. To avoid being taken advantage of:

1. Always get a written estimate and only sign a contract after first contacting your agent or adjuster.
2. Never pay a contractor up-front or sign over your insurance settlement payment.
3. Contact the local Homebuilders Association to check if the contractor has complaints against them. 
4. Ensure your contractor is properly licensed and has references, preferably from in-state customers. 

For questions regarding insurance coverage and steps to take, contact our office at 406.444.2040 or visit csimt.gov/your-insurance/fire.

Media inquiries: Laura Shirtliff 406.444.0903 or laura.shirtliff@mt.gov.

The Montana State Auditor, Commissioner of Securities and Insurance is the state regulator of the insurance and securities industries for the state of Montana. The State Auditor is also an ex officio member of the Montana Board of Land Commissioners. Troy Downing was elected State Auditor in 2020. CSI can be found online at: csimt.gov.

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