09/16/2026
Nobody tells buyers and sellers this until it costs them a closing: your home being insured today doesn't mean the next owner can insure it. 🔥
I'm seeing this more and more in Ravalli County. A seller has carried the same policy for years, sometimes an older policy that predates today's underwriting rules. The buyer calls that exact same company expecting a simple transfer, and gets a decline. Same trees, same roof, same everything. The only thing changing is who owns it.
Insurers re-underwrite at every sale, and in the Bitterroot that comes down to wildfire exposure: how close the trees are to the structure, roofing material, defensible space, access for fire equipment. A property that was fine to insure five or ten years ago may not meet today's expectations.
Montana's insurance commissioner has been receiving a number of wildfire-related non-renewal complaints statewide, and there's an interim legislative committee studying the property insurance market right now, with possible legislation in 2027. New construction in wildfire-prone areas has roughly doubled since 1990 — and the Bitterroot and Flathead Valleys are specifically named as growing fastest into that risk.
If you're selling in the trees: don't assume your coverage carries over as a selling point. Get a defensible space assessment and document any mitigation work before you list; a buyer's lender requires proof of insurability to close, and you don't want to find that out with two weeks left on the contract.
If you're buying: get your own insurance quote during due diligence, not after your contingency expires. "The seller has coverage" tells you nothing about whether you can get it.
Swipe through for what underwriters are actually looking at right now →
Have you run into this on a property in the Valley? Tell me how it played out.
Samantha Mix, Realtor®
📞 406-360-9872
Berkshire Hathaway HomeServices
Bitterroot Valley & Western Montana