Laurie Bauer, CAIB Business Development Manager, Orbit Insurance Services

Imagine this: the alert arrives, the sky looks unfamiliar, and you have minutes to decide what matters most. The goal isn’ t to be fearless; it’ s to be ready.

For many Albertans, wildfire season requires a new kind of planning, especially for those who spent their careers keeping others safe and supported. A little preparation can help protect your home, reduce stress, and make insurance support easier to access.

Here are some steps to take before, during, and after an evacuation order.

BEFORE

Know what your home insurance covers

Most Canadian home and tenant policies cover fire losses, including from wildfires, such as

• damage to your home and outbuildings.

• loss of personal belongings.

• additional living expenses( hotels, meals, pet boarding, and so on) during an evacuation.

Many policies also address cleanup from fire retardant and theft or vandalism while a home is vacant.

Set yourself up for an easier day

• Review your limits and deductibles: Make sure your home’ s replacement value and contents limits are still accurate.

• List what you own: A quick video walk-through of each room( including closets and storage) can make a claim smoother.

• Store key documents safely: Keep policy details, identification, and emergency contacts in cloud storage or a folder you can quickly grab.

• Sign up for local alerts and map two routes out: Knowing your evacuation plan reduces last-minute confusion.

• Reduce risk around the home: Clear dry debris, move firewood and propane away from the house, and follow local fire bans and FireSmart guidance( visit firesmartcanada. ca to learn more).

DURING

If an evacuation order is issued

• Leave promptly and follow emergency officials’ directions.

• Grab your go-bag containing extra medications, chargers, cash, keys, glasses, hearing aids, a change of clothes, and pet supplies.

• Secure the home if you can by closing windows / doors and turning off gas and / or AC.

• Start a receipts envelope the moment you leave; extra living-expense coverage often depends on good records.

AFTER

Protect your recovery and your claim

Wait for official clearance before returning. When it’ s safe, photograph damage before moving items, keep notes of conversations, and save receipts for emergency repairs. Contact your insurer or broker as soon as possible: early notice usually means faster guidance and support.

Now imagine: even on a hard day, you’ re not scrambling— because you have a plan.

If you’ d like a quick policy review, Orbit Insurance Services is here to help. Contact us at 1-855-894- 2782 for a free, personalized quote today, or visit our website at orbitinsuranceservices. ca.

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