Residential Property Claims Guide

Residential Property Claims Guide What To Do After A Loss. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 • Protect the Property • Call Your Insurance Agent or Company Representative • Dealing with Your Insurance Adjuster What May Be Covered by Your Homeowners Policy. . . . . . 4 • Additional Living Expenses • Personal Property/Contents • Dwelling • Trees, Shrubs and Landscapes/Debris Removal • Water Damage • Building Code Upgrades/Ordinance or Law Request For Assistance Form . . . . . . . . . . . . 6 Replacement Cost Versus Actual Cash Value . . . . . 8 How The Payment Process Works . . . . . . . . . . . 9 • Structure • Personal Belongings What To Do If You Do Not Agree With The Settlement Offer . . . . . . . . . . . . . . . . 10 • Know Your Rights Under the Unfair Practices Act and the Fair Claims Settlement Practices Regulations • Talk to the Claims Manager • Contact the California Department of Insurance • Consult an Attorney Notes . . . . . . . . . . . . . . . . . . . . . . . . 13 Talk To Us . . . . . . . . . . . . . . . . . . . . . . 14 Table of Contents