Those affected by the Thomas Fire and Montecito Mudslides should contact their insurance companies, including their homeowners’, renters’, business and automobile insurers, and open a claim to seek payment. We can assist and provide guidance in this regard.
Here are some tips to help you:
- Additional Living Expenses coverage is extended to 24 months minimum in disaster (limits are not changed). Cal. Ins. Code 2051.5(b)(2)
- You may have a right to replace elsewhere rather than rebuild. Cal. Ins. Code 2051.5(c)
- Insureds have a right to obtain copies of all claim-related documents, due within 15 days of request. Cal. Ins. Code 2071
- When insurer is the one that prepares a rebuild estimate, it must provide the name and contact information of at least one contractor who will do the job at that price. 10 C.C.R. 2695.9(d)
- Insurers must keep their files in such condition that the state Insurance Commissioner can review them and reconstruct the events and the insurer’s actions. 10 C.C.R. 2695.3
- Insurers must respond within 15 days to communications regarding claims that can reasonably be interpreted as expecting a reply. 10 C.C.R. 2695.5(b)
What Your Insurance Likely Covers
- Other structures, like detached garages, storage sheds, and fences
- Furnishings, art, appliances, electronics, and other personal belongings
- Debris removal
WARNING: at a future unknown date, the Federal Emergency Management Agency (FEMA) or your local government may seek reimbursement for this expense if they perform the debris clean up activities.
- Additional Living Expenses, such as clothing, meals, and food
- Damaged or destroyed personal belongings
- Additional Living Expenses
Typically, landlords’ insurance policies do not offer benefits to lessees.
- Damaged or destroyed land, trees, and vegetation, including vines and other crops
- Damaged or destroyed property and outbuildings
- Injured or deceased livestock
- Revenue losses from lost business or an inability to conduct business