News: 2009 Press Release

Insurance Commissioner Steve Poizner reminded residents who have been evacuated due to the Sheep Fire in San Bernardino County that they may be eligible for reimbursement for additional living expenses due to mandatory evacuations.  Commissioner Poizner also encouraged all Californians to make sure their insurance policies are updated and to conduct a home inventory today. 

"Anyone who is under mandatory evacuation orders due to the Sheep Fire should check their insurance policies," said Commissioner Poizner. "Many homeowners policies cover additional living expenses that result from mandatory evacuations. These expenses often include hotel stays and extra food costs. If evacuees have insurance questions, they should call the Department of Insurance at 800-927-HELP."    

The Sheep Fire, which started on October 3, has burned approximately 7,500 acres and three homes. Approximately two thousand homes have been evacuated. Governor Schwarzenegger declared a state of emergency Sunday as a result of the fire. For the most up-to-date information on this fire, go to www.calfire.ca.gov. 

Many residential homeowners insurance policies cover what is known as ALE, or additional living expenses. This permits homeowners to maintain their normal standard of living by covering the increased living expenses incurred as a result of damage caused by the fire or a mandatory evacuation. ALE coverage typically includes extra food costs, increased housing costs, furniture rental, relocation and storage costs, telephone installation and extra transportation costs to and from school or work, after the deductible is reached. 

A free home inventory guide is available on the Department of Insurance website at www.insurance.ca.gov, or by calling the CDI Consumer Hotline at 800-927-HELP.