Consumers urged to review insurance policy before second storm
News: 2015 Press Release
SACRAMENTO, Calif. - As a second storm takes aim at Northern California, California insurance commissioner is urging residents to prepare by learning more about the Federal Flood Insurance Program and complete a home inventory.
"The series of storms driven by sub-tropical moisture, has the potential to cause localized flooding," said Commissioner Jones. "These events are another reminder of the importance of updating your home inventory and learning more about the Federal Flood Insurance Program because traditional homeowner policies do not provide this coverage."
It is imperative that homeowners and renters understand their policy and what is covered. Generally a traditional homeowner's policy does not cover flood damage, but damage to a roof or windows or falling trees may be covered.
Being prepared also includes having an updated home inventory which is vital to help replace lost or damaged items. In the age of smart devices, it has never been easier to take photos and videos of clothing, jewelry and belongings and store them in your digital cloud to access should the need arise. Additionally, consumers should scan copies of important documents such as mortgage papers, deeds and insurance policies and store them in an offsite location such as your digital cloud, an email system, or on a portable drive.
Historically, many areas of California are subject to flooding. Even areas that don't usually see flooding should prepare when severe storms or heavy rains are predicted.
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- Fact sheet on rain and windstorm is available to the public.
- Consumers needing assistance with an insurance claim or understanding their policy can get help from the department's Consumer Services branch by calling toll-free 800-927-4357.
The California Department of Insurance, established in 1868, is the largest consumer protection agency in California. Insurers collect $289 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 $394 million in claims and premiums. Please visit the Department of Insurance web site at www.insurance.ca.gov. Non-media inquiries should be directed to the Consumer Hotline at 800.927.HELP or 213.897.8921. Telecommunications Devices for the Deaf (TDD), please dial 800.482.4833.