Wildfire Response Program (USAA HO-WDSM endorsement)

How it works

USAA’s HO-WDSM endorsement adds a wildfire response program to certain homeowners policies. If an active wildfire is within 3 miles of the residence premises, or if civil authorities prohibit use of the home, the policyholder authorizes USAA’s wildfire response supplier’s certified firefighters to access the property and perform nondestructive wildfire suppression and structural protection services. (doi.nv.gov)

What the service covers

The endorsement says services may include:

• debris removal
• fuel-source mitigation
• closing structure openings (doi.nv.gov)

Important limitations

The endorsement states that it is not a promise that wildfire services will be provided or that they will prevent damage. It also states that the wildfire response program may be discontinued at any time without further notice. (doi.nv.gov)

How to apply

This is not a state application. It is a policy endorsement on certain USAA homeowners forms, so eligibility depends on the policy form and the insurer’s underwriting. (doi.nv.gov)

Timing and deadlines

The endorsement is triggered by the wildfire condition described above; the source does not give an annual enrollment deadline or statewide application window. (doi.nv.gov)