Large Fires in Jerusalem: Insurance Claims and Guidance for Affected Residents

As numerous fires continue to rage in the Jerusalem hills, individuals holding insurance policies are left wondering about potential coverage and how to obtain compensation for any damages incurred. While insurance companies report that inquiries have not peaked, they anticipate an increase in calls in the coming days, as individuals prioritize the safety of their families.

Understanding Insurance Coverage Amidst the Fires

According to Lior Sheinin, Senior Vstart President at Harel Insurance, it is essential for residents to heed the instructions of security forces and fire brigades in the event of property evacuation or damage. “We advise our clients to turn off power breakers, shut off water valves, and disconnect gas lines,” he stated.

Sheinin also noted that they are providing immediate solutions for clients in distress, citing an instance where a customer, fearing their vehicle had been destroyed in the fire, was quickly approved for a replacement car to ease their burden during the holiday.

Determining the Cause of the Fires

A critical factor affecting the insurance process is whether the fires are determined to be a result of nationalistic motives. Currently, the state has not classified the incident as a nationalistic event. Mivtah Insurance emphasized that determining the fire’s cause—whether due to an act of God or arson driven by nationalistic intentions—is crucial. The evaluation will influence how compensation is coordinated with governmental institutions.

In cases where the incident is officially recognized as a terrorist act, AIG Insurance explained that compensation for damages would be handled by the Property Tax Fund, as damages from terrorism are typically excluded from standard policies.

Vehicle and Home Coverage: What Residents Need to Know

Coverage for Abandstartd Vehicles

Residents who left their vehicles on Route 1 due to the fire can rest assured that if they possess comprehensive car insurance, they will likely receive coverage for any damages sustained. AIG confirmed that both vehicle and home policies cover damages from fire incidents, including those caused by smoke.

Homeowners and Renters: Are You Covered?

Mivtah clarified that if property damage is caused by fire as a result of high winds or from surrounding forest fires, such incidents would generally be covered by insurance policies. For homeowners with fire or wind damage covered, Sheinin from Harel noted that incidents of forced entry and theft following the fire are also typically included.

AIG further affirmed that damages caused by smoke from fires are adequately covered under their automotive and home insurance policies.

How to File an Insurance Claim

For affected residents looking to connect with their insurance companies, various providers have established 24-hour hotlines:

• Phoenix: 5070
• Harel: 03-9294000
• Clal Insurance: 6564
• Mivtah Insurance: 076-8868077
• AIG: 073-2076011
• Insurance Agents’ Emergency Line: 03-636-6506
• Menora Mivtachim: *2000

This information can help streamline the process as residents navigate their insurance claims.

As the situation continues to evolve, it is critical for those affected to remain informed and proactive in securing their respective accommodations and vehicles following the devastating fires