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Am I covered in case of a wildfire?

Reyes avatar
Written by Reyes
Updated yesterday

The policy does cover fire-related damage in general, which includes:

  • Fire

  • Explosion

  • Smoke

  • Lightning

This would include damage caused by a wildfire affecting your insured property as long as:

  • The fire is not intentionally caused by the policyholder.

  • The fire happens within Spain (since property damage coverage is limited to Spanish territory).

  • You report the incident and cooperate with the insurer as required under the claims process.

Note: In extreme or catastrophic events, wildfire damage may also fall under Spain's “Insurance Compensation Consortium”, which covers extraordinary risks (like natural disasters), depending on the situation. In that case, you’d still be compensated, but possibly through a different process.

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