Wildfires drive nearly insurance claims in Saskatchewan since May, putting pressure on agencies and highlighting gaps in public awareness.
Wildfires Trigger Surge in Insurance Claims
Nearly 700 wildfire-related insurance claims have been filed with SGI Canada since May 2025, underscoring the financial toll of an escalating fire season in Saskatchewan. As wildfires blaze across the province—especially in northern and remote regions—insurance agencies are grappling with a sharp increase in property and vehicle claims.
Claims Spike Across Northern Communities
Insurance professionals report that this year’s fire activity has reached beyond sparsely populated areas. Claims have been filed from communities like La Ronge, Denare Beach, and Flin Flon, according to Emily Proulx, branch manager for Hub International in Prince Albert. Fires that would typically remain isolated have come dangerously close to residential properties, sparking a surge in emergency-related claims.
Policy Limits Amid Fire Threats
Amid the uptick in wildfires, insurance limitations have become more visible. Proulx warns that during wildfire season—typically April through September—many insurers implement moratoriums. These prevent customers from increasing or initiating coverage once a wildfire is detected within a specified radius, such as 50 kilometres from the property. “There’s no negotiation,” said Proulx. “If the fire is close, the answer is a flat-out no.”
Preparedness Remains Critical
Craig Stewart of the Insurance Bureau of Canada emphasized the importance of preparation. He urged residents to document valuables, understand their policy’s terms, and be ready to evacuate if necessary. “Most people expect it never to happen to them,” Stewart said, “but when it does, they need to be prepared to make a claim without being able to re-enter their home.” Full replacement policies typically cover rebuilding costs, he noted.
Vehicles Also Affected by Fire Loss
SGI Canada confirmed that in addition to property losses, its auto fund has received over 300 wildfire-related claims, most categorized as total losses. With evacuation zones expanding quickly, many residents were forced to leave behind vehicles that were later destroyed or damaged.
Industry Braces for Financial Fallout
While it’s still early to gauge the total financial impact, SGI Canada has acknowledged that wildfire-related insurance losses are rising. “Extreme weather events are becoming more frequent and severe,” said a company spokesperson. “The industry is being tested, and construction resiliency will be vital to stabilize future premiums.”
As climate risks intensify, both residents and insurers are being forced to rethink coverage strategies and disaster preparedness across Canada’s most fire-prone regions.
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