Insurance Guidance for Wildfire Recovery

If your home or property has been affected by the recent fires, contact your insurance carrier or local agent as soon as possible. They can help you understand:

•Your current coverage and any fire-related protections

•Whether additional living expenses (ALE) are included

•What losses or damage are eligible for reimbursement

•Next steps for submitting a claim

Contact information for your insurance agent can be found under either the "Resident Producer" and "Non-Resident Producer" License Type on the Divisions Agent Lookup Tool.

What to do immediately after a fire: 

•Report a claim to your insurance company or local agent. Have a copy of your policy and home inventory on hand. If you cannot find the company or agent's number, you can contact the Division of Insurance for assistance. 

•Protect your property from further damage or theft. Make temporary repairs or arrange for a licensed professional to do so, if necessary, to prevent further damage. Save all receipts for your repairs.

•Take photos of the damage and remove undamaged personal property if the home cannot be secured.

•Do not dispose of property until an insurance adjuster has reviewed it for the claim.

•If other lodging is needed, keep records of expenses and all receipts. There may be coverage for additional living expenses like meals, rent, and transportation under your home or renter’s insurance.

•If there is no home inventory, begin making a list of items going room by room from memory. Include as much detail as possible, like where and when the item was purchased, the cost, brand name and model.

In the Event You are Evacuated:

•Contact your insurance agent. Safety is of the utmost importance. While the Division recommends keeping physical or digital access to policy information on hand for review, the top priority in the face of wildfire evacuation is ensuring your safety and adherence to evacuation protocols.

•Once safely evacuated, contact your insurance agent or carrier for information on your policy, including a review of loss of use and smoke coverage information.

Other Resources:

•Nevada Division of Insurance Consumer's Guide to Home Insurance 2026

•Nevada Division of Insurance: What to do when you need to file a claim

•Living With Fire | Living With Fire

•Claims hotline numbers for ten largest home insurance groups

•Nevada Division of Insurance Consumer Complaint Website

Contact the Nevada Division of Insurance if you have any difficulty in contacting your agent or carrier or verifying your coverage. Consumers can contact the Division of Insurance directly through the following information:

Carson City office:                             Las Vegas office 

Phone: (775) 687-0700                 Phone (702) 486-4009

Fax: (775) 687-0787                             Fax (702) 486-400

1818 E. College Pkwy., Suite 103     3300 W. Sahara Ave., Suite 275

Carson City, NV 89706                            Las Vegas, NV 89102  

Statewide Toll-Free (888) 872-3234

Email: insinfo@doi.nv.gov