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Wildfire Total-Loss Coverage Check for Washington Homes

After a wildfire total loss, the first question is often whether your limits will rebuild the house. Enter your numbers to compare rebuild costs with the coverage on your declarations page.

Wildfire total-loss coverage checkRebuild cost vs. your limits
Ask a local builder. Post-fire demand can push this up.
Estimated cost to rebuild$0
Dwelling coverage available$0
Shortfall$0
Base rebuild (size × cost)$0
Code upgrades$0
Debris removal & site prep$0
Coverage A + extended replacement$0
Ordinance or law amount$0
Contents limit / gap$0

For planning only. Results depend on the figures you enter and your policy’s terms. They aren’t a quote, an appraisal or legal advice, and nothing you enter is stored.

How the check works

It adds the base rebuild cost (size times cost per square foot), code upgrades and debris removal. It compares that total with your dwelling limit plus any extended replacement cost, plus ordinance or law coverage. It also compares your contents estimate with your contents limit.

Why limits fall short

  • Limits set years ago may not reflect current construction costs.
  • After a large wildfire, demand for builders and materials can push prices up across a region.
  • Current energy and building codes add cost when a home is rebuilt from the ground up.
  • Debris removal after a fire can be expensive and may have its own limit.

Policies differ

Some policies pay debris removal within the dwelling limit, some add a percentage on top, and some have a separate limit. Extended replacement cost and ordinance or law coverage vary too. Use your own policy’s terms.

If there’s a shortfallA shortfall caused by your limits is a coverage issue, not something appraisal can change. If you think limits were set improperly, the OIC’s consumer advocates or a Washington attorney can help. If the insurer’s rebuild estimate is too low, an estimate review or appraisal may help.

Example figures loaded in the calculator are illustrative only.

Questions about this calculator

Where do I find a realistic cost per square foot?

Ask local builders who rebuild after fires. Online averages may not reflect your area or post-fire demand.

Does this tool account for land value?

No. Homeowner policies insure the structure and contents, not the land. Leave land value out of your estimate.

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