Insurance processes are emerging as a key factor in Jasper’s rebuilding efforts following the wildfire that destroyed a third of the townsite last year.
With construction expected to begin by early to mid-summer, insurers, builders, and residents are navigating the complexities of policy terms, coverage limits, and rebuild timelines.
Kevin Read, president of Edmonton-based Encore Master Builder, said insurance-related uncertainties have shaped how and when homeowners can move forward with reconstruction.
“Obviously, this isn’t something you go through multiple times in a lifetime,” Read said. “So, we sit with them and mostly make it so they’re aware that we have been in business for a long time.” Read noted that many clients initially struggled with understanding what information needed to be included in their scope of work to secure approval from insurers.
As of the latest update, 95 development permits have been approved in Jasper, including several for fire-affected homes, multi-residential buildings, and commercial structures. According to the Jasper Recovery Coordination Centre, debris removal is nearly complete, with full site clearance expected by May.
While residents are free to choose their builder, many rely on pre-approved lists provided by insurance companies. To support that process, BILD Alberta, which represents the residential construction industry, shared a list of qualified builders with the municipality.
“Insurance companies will often have a pre-approved list of builders,” said BILD Alberta CEO Scott Fash. “We’ve worked closely with local officials and insurers to make sure builders understand the requirements specific to Jasper.”
Fash said no reports of fraud have been received, but emphasized the importance of transparency, particularly in post-disaster environments. He also noted that the group is helping clarify insurance-related questions, such as which building codes apply and how to manage debris and excess fill, both of which can impact policy compliance.
Some developers are offering alternative construction methods to streamline the insurance approval process. Paradigm Panels, a BC-based company, preassembles wall systems off-site, which can help reduce build times and logistical complications that often factor into insurance underwriting.
CEO Philipp Gruner said the company is working with Parks Canada to determine whether its standard home models could be pre-approved for use in Jasper.
“We’re aiming to get people back into permanent housing that meets long-term insurability standards,” Gruner said.
As reconstruction ramps up, the coordination between insurers, builders, and local authorities will remain central to managing timelines and policyholder expectations in the recovery process.
