Portugal is a beautiful country that is known for its stunning coastal towns, rolling hills, and verdant countryside. However, Portugal is also prone to wildfires. In recent years, there have been several large and destructive fires in the country. If you are a property owner in Portugal, or a foreign resident, it is important to be aware of the risk of wildfires and to have insurance in place in case your home or property is damaged. In this blog post, we will look at the risk of wildfires in Portugal and what you can do to protect your property.
The Risk of Wildfires in Portugal
Portugal is no stranger to wildfires. In fact, the hot, dry weather conditions that are common in the summer months make Portugal one of the countries most at risk for fires.
Wildfires can quickly spread and destroy homes and property. They are often started by accident, but they can also be caused by natural causes like lightning strikes
In 2017, there was a devastating wildfire in central Portugal that killed more than 60 people. This fire started during a heatwave when temperatures reached 43 degrees. The fire quickly spread through forests and villages, destroying homes and businesses (Pedrogão Grande)..
In the summer 2022, there was another major wildfire in Portugal that burned for several days and destroyed more than 75.500 hectares of land.
These devastating fires show just how destructive wildfires can be. If you live in Portugal, it is important to be aware of the risk of wildfires and to have insurance in place in case your home or property is damaged or destroyed.
In the Algarve 2022, the areas of Faro, Gambelas, Quinta do Lago, Vale do Lobo and Quarteira, Silves, were affected.
Wildfires have been happening in every part of the Portuguese geography: Serra da Estrela, Sintra, Setubal, Porto region…
Wilfires Insurance in Portugal : Homeowners Insurance Policies
Homeowners insurance is a type of insurance that covers your home and belongings in the event of damage or destruction due to an incident like a fire or burglary. Most policies will also cover additional living expenses if you need to live elsewhere while your home is being repaired or rebuilt.
There are many different types of homeowners insurance policies in Portugal, so it is important to find one that fits your needs. For example, some policies will only cover the structure of your home while others will also cover your belongings.
It is important to review your policy and make sure you understand what is covered before you need to make a claim. If you do not have insurance, now is the time to get it. C1 Broker is a leading insurance specialist that can help you find the right policy for your needs.
Have you seen our video about Wildfires in Portugal and the importance of being well insured? This was shot in Quinta do Lago, Algarve, South of Portugal, a beloved are for many expats and foreign residents.
Are Wildfires covered by insurance in Portugal?
Home insurance is designed to protect your home and personal belongings from damage or destruction. Wildfires are a common natural disaster in many parts of the country, and they can cause extensive damage to homes and other structures. Fortunately, most standard home insurance policies will provide coverage for fire damage. However, it is important to note that there may be some limitations on coverage. For example, some policies will only cover damage caused by the actual flames of the fire, not smoke or water damage. In addition, most policies will have a deductible that must be met before coverage kicks in. As a result, it is important to work with a specialist like C1 Broker to find the right policy for your needs and protect your investment and to avoid those gaps in cover and look for a policy with a low deductible. Read more about our home insurance solutions in Portugal.
Wildfires are a real risk in Portugal and can cause significant damage to homes and property. If you live in Portugal, it is important to be aware of the risk of wildfires and to have insurance in place in case your home or property is damaged or destroyed. There are many different types of homeowners insurance policies, so it is important to find one that fits your needs. Review your policy carefully so that you understand what is covered and what isn’t if you ever need to make a claim. If you don’t have homeowners insurance, now is the time to get it!
Send us the details of your house in Portugal and we will find the best insurance solution, c0mplete covers at the best price possible: