In June 2015, the Sleepy Hollow Fire pushed into Wenatchee’s northern neighborhoods and destroyed homes and businesses within hours. For many families, the hardest part wasn’t only the damage. It was figuring out where to stay and how to manage daily life away from home. That’s where additional living expense coverage comes in, and planning ahead makes it far easier to use.<\/p>\n
Washington uses a three-level evacuation system. Each level is a good reminder to take a specific insurance step.<\/p>\n
If a covered loss like fire makes your home unlivable, additional living expense coverage, often called loss of use, can help pay the extra costs of living elsewhere. That can include a hotel or rental, higher food costs, and added mileage, usually limited to costs above your normal spending.<\/p>\n
Many homeowners and renters policies include civil authority coverage, which can apply when officials order you out because of covered damage to nearby property. Precautionary evacuations without nearby damage may be treated differently, and time limits often apply, so it’s worth checking your policy’s wording.<\/p>\n
Winter is a calm time to confirm your loss of use limits and whether your dwelling coverage reflects today’s rebuilding costs. Blue Horizon Insurance & Financial Services in Wenatchee, WA can walk through your home insurance<\/a> with you. Our post on umbrella coverage<\/a> covers another layer of protection. Families in Wenatchee, WA and East Wenatchee can reach out to Blue Horizon Insurance & Financial Services<\/a> anytime.<\/p>\n Related guides:<\/strong> Wildfire and home insurance in Chelan and Douglas County<\/a>, does homeowners insurance cover wildfire smoke damage?<\/a>, and for renters, renters insurance in Wenatchee<\/a>.<\/p>\n Blue Horizon Insurance is an independent agency at 12 S Wenatchee Ave in Wenatchee. We are not an insurance company. Our licensed insurance agents shop many insurance companies for you and explain the trade-offs in plain English. We have also been Ramsey Trusted \/ Dave Ramsey endorsed for 10+ years<\/a>. See our Washington home insurance<\/a> page for how we shop coverage.<\/p>\nTalk it through with a local independent agent<\/h2>\n