A fire on the next ridge can leave your house standing and still ruin the inside with smoke, push your family into a motel for a week, scorch the trees you planted twenty years ago and set up a flood the following summer. Here is what a New Mexico homeowners policy pays for in each of those moments, and where it stops.
Wildfire and smoke coverage in New Mexico, in 60 seconds
Yes. A standard New Mexico homeowners policy covers wildfire and smoke damage to your home and belongings, plus extra living costs while you can't live there. It does not cover flooding or mudflow after a fire, and trees, debris removal and evacuation costs have their own limits.
- Fire and smoke are covered perils. The standard homeowners form covers the house unless a peril is excluded, and smoke is excluded only from agricultural smudging or industrial operations.
- Living expenses are covered, with limits. Additional living expense pays while your home is unlivable. Civil authority coverage for an evacuation runs no more than two weeks on the standard form.
- Landscaping has a cap. Trees, shrubs and lawns are covered for fire up to 5% of the dwelling limit, and no more than $500 per tree or plant.
- Post-fire floods are a separate policy. Homeowners forms exclude flood and mudflow. Flood insurance has a 30-day wait, with a FEMA exception for flooding from fires on federal land.
- Underinsurance is the real risk. In FEMA's 2024 Ruidoso-area damage assessment, 44% of impacted residences were insured. Check your rebuild limit before fire season.
Wildfire and smoke damage coverage: key facts
| Fire and smoke on a standard HO-3? | Covered (smoke from agricultural smudging or industrial operations excluded) | ISO HO 00 03 05 11 standard form |
| Civil authority (evacuation) limit | No more than two weeks | ISO HO 00 03 05 11, Coverage D |
| Trees, shrubs and lawns | Up to 5% of dwelling limit; $500 per tree or plant | ISO HO 00 03 05 11, Additional Coverages |
| Post-fire flood and mudflow | Excluded from homeowners; NFIP flood policy, 30-day wait | FEMA (Dec 2020) |
| Largest fire in NM history | Hermits Peak/Calf Canyon, 341,471 acres (2022) | NMFWRI |
| Peak wildfire months in NM | May and June | NM OSI, wildfire (2026) |
You smelled it before you saw it: a column of smoke over the mountains, then the evacuation alert, then days of waiting to learn whether the house made it. For a lot of New Mexico families, that is no longer a hypothetical. The questions that follow are practical ones. Will the policy pay to clean the smoke out of the walls? Who pays for the hotel? What about the burned trees and the pile of debris? And why is everyone suddenly talking about flood insurance? We answer those questions across the desk in Farmington and Albuquerque, and this guide walks through each one using the standard homeowners form, New Mexico's own wildfire history and official sources.
Does Homeowners Insurance Cover Wildfire Damage in New Mexico?
The short answer: Yes. Fire is a covered peril on standard New Mexico homeowners policies, including wildfire, and so is the water and damage left behind by firefighters.
The HO-3 homeowners form covers your house and other structures on an open-perils basis. The standard form published by the Insurance Services Office (ISO HO 00 03) says it plainly: "We insure against direct physical loss to property described in Coverages A and B," and then lists what is excluded. Fire is not on that list. Your belongings are covered for named perils, and "Fire or Lightning" is the first one named. That is why the honest answer to "does homeowners insurance cover wildfire" is yes, whether the fire started in your kitchen or on national forest land ten miles away.
Source: ISO Homeowners 3 Special Form, HO 00 03 05 11 (standard form text). Other editions and insurers' own forms may be worded differently.
The Insurance Information Institute (Triple-I) adds a detail people often miss: damage from the water firefighters use, and damage firefighters cause getting to the fire, is also covered. If a crew cuts through your fence or soaks your living room, that is part of the fire claim.
Source: Triple-I, wildfire claims guidance (Nov 2018) →
Two caveats. Your own policy may not be the ISO form word for word, so the declarations page and policy jacket are what actually control. And "covered" is not the same as "fully paid." What a wildfire claim pays depends on your limits, your deductible, whether the house is insured at replacement cost, and the separate caps on things like trees and debris. The table below shows where each wildfire loss usually lands.
| Wildfire-related loss | Standard HO-3? | What to check |
|---|---|---|
| Fire damage to the house and garage | Covered | Dwelling limit vs. true rebuild cost |
| Smoke, soot and ash damage | Covered | Physical damage documented before cleanup |
| Hotel, rent and meals while the home is unlivable | Covered | Coverage D limit; keep every receipt |
| Evacuation order with no damage to your home | Limited | Civil authority wording; two weeks on the standard form |
| Burned trees, shrubs and lawn | Limited | 5% of dwelling limit; $500 per tree or plant |
| Flood and mudflow after the fire | Not covered | Separate flood policy; 30-day wait |
Does Home Insurance Cover Smoke, Soot and Ash Damage From a Wildfire?
The short answer: Yes, when smoke physically damages your home or belongings. Cleaning, deodorizing and replacing what can't be cleaned are part of a covered smoke claim.
Smoke damage is a wildfire claim you can have even when the flames never come close to your property. On the standard form, the house is covered for direct physical loss unless excluded, and the only smoke exclusion is for "smoke from agricultural smudging or industrial operations." For your belongings, smoke is a named peril, defined as "sudden and accidental damage from smoke." Triple-I's guidance is just as direct: "Damage caused by fire and smoke is covered under standard homeowners and renters insurance policies."
Sources: ISO HO 00 03 05 11, Perils Insured Against · Triple-I →
What does a smoke claim look like in practice? Soot film on walls and ceilings, ash pulled into the HVAC system and ductwork, discolored stucco and window screens, and fabrics, rugs and mattresses that hold the odor. Claims can include professional cleaning, duct cleaning, repainting and sealing, and replacing items that can't be restored. Because the claim is about physical damage, the evidence matters. Before you clean anything, photograph and video every affected room, the furnace filter and the outside of the house. Keep a sample of a ruined item if you can, and save every cleaning receipt.
Where smoke claims get harder is the house far from the fire that smells smoky for a week but shows nothing physically damaged. Both the house coverage and the smoke peril for belongings are written around physical loss or damage, so the practical question becomes whether smoke actually damaged something. That is a fact question for the adjuster, not a yes-or-no rule, and it is why we tell clients to document early and call us before throwing anything out. Renters have the same smoke coverage for their belongings through an HO-4, which our New Mexico renters insurance guide explains.
One more practical point from the New Mexico Office of Superintendent of Insurance (OSI): your insurer is allowed to inspect the damage, so major cleanup may need to wait until the adjuster has seen it. Make the minor repairs needed to prevent further damage, like covering a broken window, and keep those receipts too.
Source: New Mexico OSI, Wildfire consumer guidance (2026) →
Will Your Policy Pay to Live Somewhere Else After a Fire or Evacuation?
The short answer: If a covered fire makes your home unlivable, additional living expense pays the extra cost of living elsewhere. An evacuation alone is narrower, limited to two weeks on the standard form.
Coverage D, often called loss of use, is the part of the policy that carries families after a big fire. On the standard form it has three pieces that share one limit. Additional living expense pays "any necessary increase in living expenses" so your household can keep its normal standard of living when a covered loss makes your home "not fit to live in." That means the hotel or rental, the extra cost of restaurant meals and added mileage, above what you would normally spend. It runs for the shortest time reasonably needed to repair or rebuild, and that time period is not cut off just because the policy expires. Fair rental value covers rent you lose on a part of the home you rent out.
The third piece is civil authority. On the standard form, if officials prohibit you from using your home "as a result of direct damage to neighboring premises" by a covered peril, the policy pays living expenses "for no more than two weeks." So an evacuation order can trigger coverage, but the wording matters and some policies differ. OSI told evacuees during the 2022 fires that "your homeowner's policy can pay for Additional Living Expenses," and advised filing with your insurer once you are evacuated and keeping receipts.
Sources: ISO HO 00 03 05 11, Coverage D · NM OSI, guidance for wildfire evacuees (May 3, 2022) →
New Mexico's regulator can also step in for a specific disaster. After the South Fork and Salt fires, OSI issued a 120-day emergency order on June 20, 2024, covering Lincoln County and the Mescalero Apache Reservation. It required property insurers to offer grace periods, postpone cancellations and nonrenewals, and promptly issue a $5,000 advance payment for additional living expenses to affected policyholders whose policies include that coverage. Orders like that are tied to one event, so don't count on one for the next fire. Evacuation coverage deserves its own guide, and we'll cover it in more depth separately.
Source: NM OSI, Emergency Order news release (June 20, 2024) →
What Does Homeowners Insurance Pay for Burned Trees, Landscaping and Debris Removal?
The short answer: Trees, shrubs and lawns are covered for fire up to 5% of your dwelling limit, with a $500 cap per plant, and debris removal gets an extra 5% when the claim uses up your limit.
In the piñon and ponderosa country around Ruidoso, Jemez, Taos and the mountains above Las Vegas, the trees are a big part of what a property is worth. Homeowners policies treat them as a small add-on. Under the standard form's "Trees, Shrubs And Other Plants" additional coverage, the policy pays for trees, shrubs, plants and lawns damaged by fire or lightning and a handful of other perils, "up to 5% of the limit of liability that applies to the dwelling for all trees, shrubs, plants or lawns." No more than $500 is paid for any one tree, shrub or plant. This is additional insurance, so it does not eat into your dwelling limit. Plants grown for business purposes are not covered.
Debris removal is the other cost that surprises people. After a total loss, clearing ash, burned framing and hazardous materials before a rebuild is a real line item. The standard form pays reasonable debris removal expense as part of the limit for the damaged property, and if the damage plus debris removal exceeds that limit, "an additional 5% of that limit is available for such expense." Triple-I notes that some policies tie debris removal to the dwelling limit while others set a fixed dollar amount, so read yours.
Sources: ISO HO 00 03 05 11, Additional Coverages · Triple-I →
A wildfire destroys a mountain home insured for $300,000 on the standard form. The lot has 30 mature ponderosa pines, and a contractor quotes the rebuild at $360,000 after the fire.
Illustrative figures only, not a quote or a guarantee of coverage. Real outcomes depend on your policy wording, deductible, limits and the facts of the claim.
Are You Insured for Enough to Rebuild After a New Mexico Wildfire?
The short answer: Maybe not. After a regional fire, rebuild costs can outrun your dwelling limit, which is why extended or guaranteed replacement cost and a current rebuild estimate matter more than anything else on this list.
A wildfire is the claim most likely to use every dollar of your dwelling limit at once. That is where underinsurance shows up. Your Coverage A limit should match what it would cost to rebuild the home today, not its market value or what you paid. Triple-I suggests starting with your square footage times local per-square-foot building costs, adjusted for your walls, roof, custom features and other structures, and leaving the land out of it. Adobe, Pueblo Revival and custom stucco homes often run well above a frame-house estimate; our guide to insuring an adobe or Pueblo-style home explains why.
Three policy features help close the gap. Extended replacement cost, which Triple-I describes as an endorsement that "can pay an extra 5 to 25 percent above the limits," exists for the cost surge that follows a disaster, when contractors and materials are scarce. Guaranteed replacement cost pays "whatever it costs to rebuild your home as it was before the disaster," but Triple-I says only a limited number of insurers offer it. An inflation guard adjusts your dwelling limit each renewal to reflect current construction costs.
Source: Triple-I, How much homeowners insurance do I need? →
Two more details matter on a full loss. The standard form pays repair or replacement cost without deducting depreciation only if your dwelling limit is at least 80% of the full replacement cost at the time of loss. Fall below that and the payment shrinks. And standard policies, even guaranteed replacement cost policies, don't pay to bring an older home up to current building codes unless you add ordinance or law coverage, according to Triple-I. If your home was built decades ago, that endorsement is worth a conversation. Our New Mexico home insurance guide covers how to set each limit in order.
Source: ISO HO 00 03 05 11, Section I Conditions, Loss Settlement
Does Homeowners Insurance Cover Flooding and Debris Flows After a Wildfire?
The short answer: No. Homeowners policies exclude flood and mudflow, even when a fire caused them, so homes below a burn scar need a separate flood policy, ideally before the next monsoon.
This is the wildfire gap that catches New Mexico families a year after the fire is out. Burned slopes can't absorb rain, and a summer monsoon storm over a burn scar can send water, mud, rock and logs downhill in minutes. The standard homeowners form excludes "flood, surface water, waves... overflow of any body of water," and its earth movement exclusion includes "landslide, mudslide or mudflow." The fact that a fire set up the flood doesn't change that.
New Mexico has already lived this. On July 8, 2025, heavy monsoon rain fell on the South Fork and Salt fire burn scars, and the Village of Ruidoso reports the Rio Ruidoso rose to a record 20 feet, five feet above the previous record. Three people died. The U.S. Geological Survey said a downstream gauge may have set a new all-time peak. FloodSmart, FEMA's flood insurance program site, says flood risk "remains significantly higher until vegetation is restored," up to five years or more after a wildfire.
Sources: ISO HO 00 03 05 11, Section I Exclusions · Village of Ruidoso, July 2025 flooding → · USGS water alert (July 9, 2025) → · FloodSmart, burn scars and flash flooding →
Flood insurance through the National Flood Insurance Program (NFIP) fills that gap. FEMA says mudflow "is covered subject to the definition of flooding" in the NFIP policy, and the maximum NFIP coverage for a home is $250,000 for the building and $100,000 for contents. The catch is timing: "Generally, there is a 30-day waiting period before an NFIP policy becomes effective."
Source: FEMA, "Floods Follow Fires" (Dec 8, 2020) →
FEMA has a post-wildfire exception to that wait. Per FloodSmart, the 30-day waiting period "may not apply to new policies (or added coverage)" when all three conditions are met: the insured property is privately owned; the flooding is caused or worsened by a wildfire on federal land; and the coverage was bought "either on or before the fire was contained, or within 60 days of containment." Much of the forested high country above New Mexico towns is federal land, so this exception can matter a great deal, but it has a short window. If a fire burns on federal land above you, call us about flood coverage while the fire is still burning.
Source: FloodSmart, Post-Wildfire Exception →
Wyatt Mace
Wyatt is a lifelong Farmington resident who founded The Mace Agencies in 2018. His team of nearly twenty carries roughly 18,000 policies in force from offices in Farmington and Albuquerque, licensed in New Mexico, Colorado, Arizona, Utah and Texas.
What Did Hermits Peak/Calf Canyon and the Ruidoso Fires Teach New Mexico Homeowners?
The short answer: That wildfire losses in New Mexico are large, that many homes were not insured for them, and that a federal compensation program is the exception, not a substitute for your own policy.
The 2022 Hermits Peak/Calf Canyon Fire burned 341,471 acres across four northern New Mexico counties, the largest wildfire in the state's history, according to the New Mexico Forest and Watershed Restoration Institute. Its origin is unusual. The Federal Register records that the U.S. Forest Service started the Las Dispensas-Gallinas prescribed burn on federal land on April 6, 2022, and it escaped and was declared a wildfire. The Calf Canyon Fire, which began April 19, was later traced to a January 2022 pile burn. The two fires merged on April 27, 2022.
Sources: NMFWRI, Hermits Peak/Calf Canyon → · Federal Register, Hermit's Peak/Calf Canyon Fire Assistance final rule (Aug 29, 2023) →
Because federal burns started the fire, Congress passed the Hermit's Peak/Calf Canyon Fire Assistance Act, signed September 30, 2022 (Public Law 117-180). FEMA's Hermit's Peak/Calf Canyon Claims Office runs the compensation program for the fire and the flooding that followed. FEMA reported $2.8 billion paid on 20,044 claims as of August 5, 2025. The key point for every other homeowner: under the law, the program compensates people "only for damages not paid, or that will not be paid, by insurance." It sits behind insurance, not in place of it, and it exists because of how that one fire started.
Sources: FEMA Claims Office release (Aug 2025) → · FEMA, Hermit's Peak/Calf Canyon Claims Office → · Federal Register final rule (Aug 29, 2023), insurance offset →
Two years later, the South Fork and Salt fires started June 17, 2024, near Ruidoso. InciWeb lists the cause as lightning, and its last update (July 15, 2024, at 99% containment) put the fires at 17,569 acres and 7,939 acres. The federal disaster declaration came June 20, 2024, and FEMA's preliminary damage assessment counted 744 residences destroyed. Then the July 2025 flood hit the same community. If you live in the wildland-urban interface anywhere from the Sacramento Mountains to the Jemez, those two events are the clearest picture of what a policy needs to handle.
Sources: InciWeb, South Fork and Salt fires → · FEMA, DR-4795 preliminary damage assessment →
What If Wildfire Risk Makes Your Home Hard to Insure, and How Can You Lower It?
The short answer: The New Mexico FAIR Plan covers fire and smoke when the regular market says no, and home-hardening work through programs like Wildfire Prepared Home and Firewise USA can improve your options.
If wildfire exposure leads your insurer to send a nonrenewal letter, start with our guide on what to do after a home insurance nonrenewal in New Mexico. If the regular market truly closes, the New Mexico FAIR Plan (the New Mexico Property Insurance Program) is the backstop. OSI's January 27, 2026 consumer guide lists "Fire (including lightning and internal explosion)" and smoke among its covered perils. It pays actual cash value, offers no liability coverage, and "will not accept an application for new business within 50 miles of an active fire" until the fire is at least 90% contained. Our New Mexico FAIR Plan guide covers eligibility, limits and how to fill its gaps.
Source: NM OSI, FAIR Plan Consumer Guide (updated Jan 27, 2026) →
Mitigation is the other lever. OSI points homeowners to the Wildfire Prepared Home program, run by the Insurance Institute for Business & Home Safety and available in New Mexico, and says a certificate "can ultimately help lower your insurance rate." The New Mexico Forestry Division promotes Firewise USA, a voluntary recognition program that helps neighbors "work together on a local level to prevent loss of property and save lives." The Forestry Division also notes that between 87% and 96% of wildfires are caused by people. The Wildfire Prepared Home checklist is a practical place to start:
Class A roof
Use a Class A fire-rated roof covering, and routinely clear leaves and needles from the roof, gutters and downspouts.
0 to 5 feet
Keep a continuous zone around the home free of vegetation, mulch, overhanging branches and combustible items.
Ember-resistant vents
Install flame- and ember-resistant vents or cover existing vents with 1/8-inch corrosion-resistant metal mesh.
Siding and fences
Keep 6 inches of noncombustible siding or foundation at the base of walls, and use noncombustible fencing within 5 feet.
5 to 30 feet
Space trees and shrubs, keep grass trimmed and remove dead vegetation. Place propane tanks and sheds with care.
Firewood
Store firewood at least 30 feet from the home, and clear debris and combustible furniture from decks and patios.
Sources: NM OSI, Wildfire → · NM OSI, Wildfire Awareness → · Wildfire Prepared Home 2026 checklist → · NM Forestry Division, Firewise USA →
What Should New Mexico Homeowners Do Before Fire Season and After a Fire?
The short answer: Before fire season, build a home inventory, store your documents safely and confirm your limits. After a fire, notify your insurer, document everything and keep every receipt.
OSI says New Mexico's peak wildfire months are May and June, though it recommends preparing year-round. The work that pays off most happens before anything burns:
- Make a home inventory. OSI offers a home inventory form, and photos or video of every room, closet and garage shelf make a contents claim far easier.
- Protect your paperwork. OSI suggests keeping your policy, inventory and other key documents in a fireproof safe or a bank safe deposit box. A copy in cloud storage helps too.
- Read your declarations page. Check your dwelling limit, whether you have extended replacement cost, your Coverage D limit and any wildfire-specific deductible or endorsement.
- Photograph the landscaping. Mature trees and outbuildings are easy to forget and hard to prove after a fire.
- Decide on flood coverage now if you live below a burn scar or forested slope, so the 30-day wait is behind you.
After a fire, OSI's guidance is to contact your agent or insurer as soon as the fire is out, give them a way to reach you if you can't stay at home, photograph the damage, make minor repairs to prevent further damage, and track expenses with receipts because your insurer may reimburse them. Ask what information the insurer needs and whether it wants to inspect before cleanup.
Source: New Mexico OSI, Wildfire consumer guidance (2026) →
If something about a claim feels wrong, OSI takes consumer complaints at 855-427-5674 or through its online complaint form. And you can always call us. Even if your policy is not with our office, we are glad to read the wildfire sections of your policy with you before the season starts. A coverage review takes about twenty minutes and costs nothing; start one on our New Mexico home insurance page.
Frequently Asked Questions About Wildfire and Smoke Damage Coverage
Does homeowners insurance cover smoke damage from a wildfire that never reached my house?
It can, if the smoke physically damaged your home or belongings. The standard homeowners form covers the house against direct physical loss unless a peril is excluded, and smoke is excluded there only when it comes from agricultural smudging or industrial operations. For belongings, smoke is a named peril for sudden and accidental damage. Soot on walls, ash in the HVAC system and residue on furniture are the kinds of damage adjusters look for. A smell alone with nothing physically affected can be harder to claim. Photograph everything before cleaning, keep cleaning receipts and call your insurer or our office early.
Does homeowners insurance pay if I am evacuated because of a wildfire in New Mexico?
Sometimes. On the standard homeowners form, civil authority coverage pays added living costs for up to two weeks when officials bar you from your home because a covered peril directly damaged neighboring property. If fire damage makes your own home unlivable, regular additional living expense coverage applies for the time repairs reasonably take, up to your Coverage D limit. Policies are worded differently, so check yours. New Mexico's insurance office has told evacuees to keep receipts and file with their insurer, and after the 2024 Ruidoso-area fires it ordered a $5,000 living-expense advance for affected policyholders whose policies include that coverage.
Will flood insurance cover mudflow after a wildfire, and can I buy it in time?
Homeowners policies exclude flood and also exclude landslide, mudslide and mudflow, so post-fire debris flows need flood insurance. FEMA says mudflow is covered by a National Flood Insurance Program policy subject to the policy's definition of flooding. New NFIP policies generally have a 30-day waiting period. FEMA's post-wildfire exception can waive that wait when the property is privately owned, the flooding is caused or worsened by a wildfire on federal land, and the coverage was bought on or before the fire was contained or within 60 days of containment. Ask about it right away after a nearby fire.
How much does homeowners insurance pay for trees and landscaping burned in a wildfire?
On the standard homeowners form, trees, shrubs, plants and lawns are covered for fire and a short list of other perils, up to 5% of your dwelling limit in total and no more than $500 for any one tree, shrub or plant. On a home insured for $400,000, that is up to $20,000 for all landscaping, with the per-plant cap still applying. This coverage is additional insurance, so it does not reduce your dwelling limit. Plants grown for a business are not covered. Mature trees on a large lot can be worth more than these limits, so photograph your landscaping before fire season.
Does a Hermit's Peak/Calf Canyon compensation claim replace my homeowners insurance claim?
No. Congress created the Hermit's Peak/Calf Canyon compensation program because the fire began as federal prescribed burns, and FEMA's Claims Office runs it. Under the law, it compensates people only for damages not paid, or that will not be paid, by insurance. Your homeowners claim comes first, and the program looks at what insurance did not cover, such as uninsured losses or amounts above your limits. FEMA reported $2.8 billion paid on 20,044 claims as of August 5, 2025. If you have questions about a claim, contact the Claims Office through fema.gov/hermits-peak.
Related Questions
The Bottom Line on Wildfire and Smoke Damage Coverage in New Mexico
The short answer: Your homeowners policy covers wildfire and smoke, but the limits, the landscaping caps and the flood gap decide whether it covers enough.
A standard New Mexico homeowners policy does the core job after a wildfire: it covers fire and smoke damage to your house and belongings, pays for cleanup, and pays added living costs while you are out of your home. Its weak spots are predictable. Evacuation coverage is narrow, trees and debris removal have hard caps, a dwelling limit set years ago may not rebuild today's house, and the flood and mudflow that follow a fire are not covered at all. The fires at Hermits Peak, Calf Canyon and Ruidoso showed how quickly those weak spots turn into real losses.
The fix is a review before fire season, not after the smoke. If you are not sure whether your dwelling limit would rebuild your home, whether you have extended replacement cost, or whether you need flood coverage below a burn scar, that is exactly what we check. Start a free quote or call (505) 576-8347, and a licensed agent in Farmington or Albuquerque will go through it with you.
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Start my free quote →About this guide. Written and reviewed by The Mace Agencies team, licensed insurance professionals serving roughly 18,000 policies from our Farmington and Albuquerque offices, and licensed in New Mexico, Colorado, Arizona, Utah and Texas. This guide is educational, not a quote or a coverage guarantee, and your own policy wording controls. Figures and policy language come from the named sources linked above, including the New Mexico Office of Superintendent of Insurance, the standard ISO homeowners form, FEMA and FloodSmart, the Federal Register, InciWeb, the USGS, the Village of Ruidoso, the NM Forest and Watershed Restoration Institute, the NM Forestry Division, the Wildfire Prepared Home program and the Insurance Information Institute. We review it for freshness at least once a year.
Last reviewed by The Mace Agencies team on October 13, 2026.