Wildfires have deeply affected communities in Washington, from Spokane to neighboring communities and other areas of our state. We know many of you are still facing uncertainty. We've put together a toolkit to support you with clear guidance to navigate your insurance, trusted resources, local recovery events, and lots of ways to get help from our insurance experts. 

As you begin sorting through next steps, we hope it helps make the insurance and recovery process clearer and easier.

We're here to help

We understand how overwhelming the insurance process can feel after a disaster this widespread. Our team is here to listen and help you get your insurance and coverage questions answered. We can help you:

  • Understand your policy and coverage.
  • Work through delays and communication issues with your insurance company.
  • Know what to document and what to expect when you file a claim.
  • Learn what to expect if your home is unlivable or you're displaced.
  • Understand how to file a complaint against an agent or insurer and what to expect if you do.

Contact our insurance experts. You can call us, send us a message, or live chat with us. 

Find local, in-person support

We’re hosting monthly claims workshops in Spokane to help wildfire survivors navigate the recovery process. Join us for a presentation, a Q&A session, and one-on-one support with our staff. 

Insurance resources to help you move forward

As you start sorting through what comes next, browse these resources to help you understand your coverage and what to expect during the claims process. 

Get started safely

Understand your coverage

Filing and managing your claims

How your policies work

Follow us for the latest updates

Other resources from our disaster response partners

Nonrenewals and cancellations

If your insurer cancels or doesn’t renew your policy, they must give you written notice in advance and explain why. Nonrenewals require 60 days of notice under state law. A policy cancellation is less common. Cancellations usually happen when you don't pay your premium or when your policy is relatively new, like if you’ve just started with a new company. 

You can always shop for coverage with any licensed insurance agent or company. Check their licensing status using our agent and company lookup tool. If you can’t find a policy, the Washington FAIR Plan may be able to help with home coverage, and the Washington Automobile Insurance Plan can help with auto coverage.

Our work to make Washington more wildfire resilient

We're working with the Legislature, disaster response partners, and some of the most up-to-date science and research from the insurance industry to address wildfire risk and strengthen our state's resilience to wildfires. Learn about some of our recent efforts:

Related topics

Ask an insurance expert

The Commissioner’s team of insurance experts are here to help you understand your insurance rights and answer your questions.

Consumer Outreach and Disaster Response Program

Learn how we're building local disaster resilience through insurance education and what we do to help Washingtonians when a disaster is declared.

Language assistance services

We can help those who have limited ability reading, speaking, writing or understanding English. We can also help people who are deaf, hard of hearing or have speech impairments. We offer help in other languages including American Sign Language. Call us for help filing a complaint or for help answering your insurance questions.