# Insurance Implications of Western Wild Fires

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A lot has been said in the press lately about the raging wild fires that have plagued much of the western U.S. This problem has raised insurance concerns as well, based on at least three "Ask an Expert" questions we‘ve received in the past month. In this article, we‘ll explore the implications of insurance coverage, particularly the HO civil authority coverage when evacuations are ordered.
 
Here are a couple of recent questions involving this issue, the first from an agent and the second from an insurer‘s claims department.
"Need some help with a forest fire question. AZ risk -- HO3 1991 edition. Several small AZ communities have been evacuated by civil authorities due to forest fires approaching the towns.

Sources:
- Independent Insurance Agents & Brokers of America, Inc. (http://www.iiaba.net/VU/Lib/Ins/PL/Homeowners/FacultyWildFires.htm)