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Wildfires: who pays when the flames spread to your property?


Grass and hillside fires are becoming a summer fixture across England and Wales. When one crosses a boundary, the question of who bears the loss turns on negligence, foreseeability and evidence.

Each dry spell now seems to bring a wave of wildfires and grass fires: hillsides alight, grassland burning for days, homes and businesses evacuated, and fire crews stretched across several counties at once. As a property solicitor who lives in Wales, I have watched a mountain I know well burn while the Army helped the fire service contain it, and I have noticed a steady rise in enquiries from owners whose land or buildings were damaged by a fire that someone else started.

One Welsh incident this year illustrates the problem. Charcoal from a barbecue, believed by the people who used it to be out, was put aside and later reignited in bone-dry grass. By the time the fire was stopped, three homes had been destroyed and their residents left homeless. Nobody intended any of it. So who bears the cost?

When an accident becomes negligence

The fact that a fire was accidental does not settle the question of legal responsibility. Negligence does not depend on intent. The questions a court asks are whether reasonable care was taken, whether it was reasonably foreseeable that the fire might spread, and whether a failure to take precautions caused the loss.

What counts as reasonable care depends on the circumstances: how dry the weather had been, whether it was windy, what vegetation surrounded the spot, what was being burned and how much of it, how close other properties were, and what was done to contain the fire or make sure it was out. A sincere belief that the fire was safe will not necessarily protect the person who lit it, if a reasonable person in their position would have recognised the risk and done more.

Controlled burns that stop being controlled

Bonfires and deliberate burning of vegetation are a particular problem, because the person lighting them intends to keep the fire contained and usually believes they can. When one escapes, the same questions arise: were the conditions suitable, did the material add to the risk, was neighbouring property close enough to be endangered, and were there means of containment to hand? That the damage was unintended does not defeat a claim if reasonable precautions were not taken.

Does a fire starting on your land make you liable?

Not automatically. A fire that begins on one person's land and crosses a boundary does not by itself make that person responsible for everything that follows. The person bringing a claim has to show how the fire started, who was responsible for the activity that started it, what that person did or failed to do, and how that caused the loss.

Evidence gathered early is what makes or breaks these claims. Fire and rescue service incident reports are often the most valuable document, because they record the likely ignition source, the suspected cause, the weather, the materials involved and the factors that drove the spread. Photographs and video taken on the day, witness accounts, and correspondence with insurers and loss adjusters all help too. Disputes of this kind can surface months or years after the event, long after memories have faded and the ground has recovered, so it pays to capture everything while it is fresh.

Proving the loss

Establishing negligence is only half of a claim. The owner also has to prove what the fire cost them. Where the figure runs to tens of thousands of pounds, every element needs to be itemised and supported: photographs of the damage, receipts and invoices, valuations, repair estimates and replacement quotes.

Insurance may cover some of the loss, in which case the insurer may step in and pursue the person responsible, or their insurer, to recover what it has paid. Losses that fall outside the policy may still be recoverable directly, and some policies will not respond at all, which makes a direct claim the only route.

When an ordinary afternoon has serious consequences

The people responsible for accidental fires are often devastated by what has happened. A barbecue, a garden bonfire or a controlled burn is an ordinary activity, and it is only in prolonged dry weather that it turns into something that destroys homes. The law's question is the same in every case: should the risk of spread have been foreseen, were reasonable precautions taken, and did any failure cause damage to someone else's property?

Whichever side of the boundary you are on, early advice and early evidence make a real difference. With summers getting hotter and drier, claims of this kind are going to become a familiar part of property litigation across England and Wales.

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