In the wake of the Roosevelt Fire near Bondurant, the Wyoming Insurance Commission has provided some guidelines for collecting insurance for damage. They advise that when you contact the insurance company, ask if you have Additional Living Expense coverage on your policy. This coverage typically reimburses you for additional necessary and reasonable food and lodging expenses during mandatory evacuations or the repair of your home. Keep your receipts for any expenses incurred. Make a list of your damaged property. Take photos of damaged areas. Do not throw away damaged items until a claims adjuster has seen them. Make necessary repairs to protect your home and property from further damage. Don’t make permanent repairs until your insurance company inspects the damages. Keep a record of your repair expenses and save all receipts.
Try to be present when the adjuster inspects your damage. Meanwhile, damage to your auto from smoke, soot, heat and fire are typically under a vehicle’s Comprehensive coverage. The commission adds that if you encounter issues with your insurance company, contact the Wyoming Department of Insurance at 307-777- 7401 or toll free in Wyoming at 800-438-5768.
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