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Fire and weather damage claims

​If your car has been damaged by fire or weather, here's what to do.

Am I covered?

You are covered if you have ICBC Comprehensive or Specified Perils insurance.

Steps of your fire or weather damage claim

Here's what to do and what to expect when you make your claim.

Step 1: Get police and fire reports

If the police and fire departments attended, there will be report file numbers from both emergency services departments. Be sure to have the file numbers handy before reporting your claim.

If neither the police nor the fire department attend, your claim adjuster will complete a fire report for the Office of the Fire Commissioner.

Step 2: Report your claim online or by phone

Report your fire or weather damage claim online or by phone. 

Our staff will handle your claim for you and direct you to an ICBC approved c.a.r. shop VALET facility for your repairs if applicable.

Step 3: Speak with the adjuster

Your adjuster will take your statement, including whether you notified your local fire department and whether an incident number was assigned.

Step 4: Get an estimate of the damage

An estimator examines the damage to your vehicle, then writes up an estimate of the repairs needed. Find out more about Getting a damage estimate.

Once a damage estimate has been completed, you may have your car vehicle fixed at the repair shop of your choice. The process will vary depending on whether you select a c.a.r. shop VALET location or another repair shop.

Write-offs

If it is not economical to repair the vehicle, it may be deemed a write-off. You’ll receive a settlement amount for the vehicle’s market value. Find out more about write-offs.

Step 5: Pay your deductible

For fire claims, you need to pay the Comprehensive or Specified Perils deductible. This is the amount you have to pay toward repairs or costs before your insurance pays for the rest.