Wildfire & FireSmart Home Insurance Research in Prince Edward Island
PEI's FireSmart program says the first 10 metres around a home should be managed as a non-combustible buffer and divides the Home Ignition Zone into immediate, intermediate and extended areas. Fire mitigation reduces physical risk but does not replace insurance.
Key points
Confirm the current policy wording and property-specific risk before applying this point to a claim or purchase decision.
Confirm the current policy wording and property-specific risk before applying this point to a claim or purchase decision.
Confirm the current policy wording and property-specific risk before applying this point to a claim or purchase decision.
Confirm the current policy wording and property-specific risk before applying this point to a claim or purchase decision.
The Home Ignition Zone gives homeowners a practical checklist
PEI FireSmart focuses on embers, combustible debris, vegetation and materials close to buildings. Cleaning roofs and gutters and reducing fuels near structures can improve resilience.
Mitigation does not create insurance coverage
FireSmart work can reduce the chance or severity of loss. Whether a fire, smoke or evacuation expense is paid still depends on the policy, limits, exclusions and event trigger.
Review Additional Living Expenses before an evacuation
A wildfire can force residents to leave even before physical damage is confirmed. Check the policy's Additional Living Expenses and mass-evacuation wording before an emergency.