Homeowners displaced by Butts Fire eligible for living expense reimbursement
News: 2014 Press Release
NAPA, Calif. - Residents evacuated during the Butts Fire in Napa County may be eligible for reimbursement for additional living expenses due to mandatory evacuations.
"As fire threatens Napa and Lake County, evacuees may incur significant expenses," said Commissioner Jones. "Homeowners should know their insurance policy may cover additional living expenses from the mandatory evacuation and should contact their insurer for assistance."
Many homeowner insurance policies cover additional living expenses during natural disasters. This permits homeowners to maintain their standard of living by covering increased living expenses incurred as a result of damage caused by the fire or mandatory evacuation. This coverage typically includes food and housing costs, furniture rental, relocation and storage, and extra transportation expenses. Policy provisions, including deductibles, vary by company. Check with your insurer regarding any limitations that may apply to your coverage.
Commissioner Jones reminds all Californians to prepare for wildfires today. Learn quick and easy tips to complete a home inventory and learn about the benefits of home hardening. Failure to plan ahead may increase the difficulty in filing a claim and delay the recovery process.
Don't forget copies of insurance policies, important papers and a photo or video inventory of your possessions. An inventory can be completed quickly and easily on your smart phone and safely stored in the cloud.
Quick and easy tips for home hardening that may help protect your home and assist firefighting efforts.
- Don't leave sprinklers running;you may compromise precious water pressure needed by the firefighters. Use this time to duct tape soffit vents to prevent embers from entering your attic.
- Remove sheer drapes from windows;they may combust just from indirect radiant heat.
- Leave interior and exterior lights on to help firefighters see your home through thick smoke.
The California Department of Insurance, established in 1868, is the largest consumer protection agency in California. Insurers collect $310 billion in premiums annually in California. Since 2011 the California Department of Insurance received more than 1,000,000 calls from consumers and helped recover over $469 million in claims and premiums. Please visit the Department of Insurance website at www.insurance.ca.gov. Non-media inquiries should be directed to the Consumer Hotline at 800.927.4357. Telecommunications Devices for the Deaf (TDD), please dial 800.482.4833.