Wildfire Prepareness

Protection from Nature's Flames

Q: Does home insurance cover natural disasters?

Home insurance covers many natural disasters like hurricanes and fires, but often excludes floods and earthquakes, which require additional coverage.

Q: What is a deductible, and how does it work?

A deductible is the amount you pay out of pocket before your insurance kicks in. For example, with a $1,000 deductible, if you have $10,000 in damage, you pay the first $1,000, and your insurance covers the remaining $9,000.

Q: What should I do if my home is uninhabitable after a disaster?

If you are an American Integrity policyholder, contact us immediately if your home is uninhabitable. We can help arrange temporary housing and cover additional living expenses if your policy includes Additional Living Expenses coverage.

Q: How do I know what type of damage is covered?

Check your policy documents (you can view these online by logging into our <a href='http://portal.myaii.com/csp/' data-sf-ec-immutable='' data-sf-marked=''>Customer Portal</a> for specific coverage details). You can also contact your agent to clarify what types of damage are covered under your policy. Typically, your policy covers damage from perils like fire, windstorms, and theft, but may exclude others like flooding unless you have additional coverage.

Q: What makes American Integrity unique?

We offer coverage designed for the Southeast&rsquo;s unique risks, like hurricanes and flooding, supported by deep local expertise and outstanding service. Our broad product portfolio covers everything from homes to boats, golf carts, and rental properties&mdash;always with integrity at the heart of what we do.

Q: How do I file a claim?

You can file a claim with American Integrity by calling our 24/7 claims line at 1-866-277-9871 or filing online through our <a href='http://portal.myaii.com/csp/' data-sf-ec-immutable='' data-sf-marked=''>Customer Portal</a>. If you have tropical storm or hurricane-related damage, please call 844-MYAIIC1 (844-692-4421).

Wildfires are fast-moving, intense blazes that can engulf homes, forests, and entire communities in a matter of hours. They’re especially hazardous because they can happen in an instant, spreading quickly due to high winds and dry conditions. Wildfires are not seasonal, making them dangerous due to their unpredictability.

Here’s what you need to know to prepare for, stay safe during, and recover from wildfires.

Before the Wildfire

Preparing to Protect What Matters Most

Taking steps to prepare before a wildfire strikes can help minimize damage to your home and property.

During the Wildfire

Staying Safe When the Flames Approach

The National Weather Service will issue a Fire Weather Watch if wildfire conditions are possible over the next 12 to 72 hours. When a wildfire threatens your area, your safety is the top priority.