Commissioner asks insurers to expedite claims handling to help wildfire victims
News: 2017 Press Release
SACRAMENTO, Calif. – Insurance Commissioner Dave Jones issued a notice to insurers asking them to agree to expedited claims handling procedures for wildfire damage claims in order to help fire victims more quickly. Several insurers immediately agreed to the Commissioner's request to follow expedited claimed handling procedures.
With thousands of homes damaged and destroyed by dozens of wildfires blazing across the state, thousands of residents face the long and painful task of recovery, which often includes trying to reconstruct destroyed or missing documents.
In an effort to speed recovery, Commissioner Jones asked home insurers with policyholders in the areas hit by fires to agree to claims handling procedures that will bring more timely payments and flexibility with some of the deadlines and documentation typically required by insurers.
"Victims of these devastating wildfires need all the help we can provide," said Insurance Commissioner Dave Jones. "I am asking California insurers to adopt these expedited claims handling procedures to get help to policyholders more quickly. I applaud the California insurers who, in response to our request, immediately agreed to adopt expedited claims handling procedures and expect more insurers will also agree to these expedited procedures, so fire victims may begin to put their lives back together."
After destructive wildfires, policyholders often find many of the things the insurance company needs to process their claim are missing or were destroyed in the fire, such as home inventories, receipts, bills of sale, and vehicle ownership papers. Under these expedited claims handling procedures, policyholders may receive advance payment for up to four months of additional living expenses, 25 percent of policy limits for personal property, and an expedited process for debris removal—a first step in rebuilding.
These procedures speed payment for damaged or destroyed vehicles and provide at least 30 days billing leniency for lost renewal notices or those who do not have the ability to have mail forwarded.
Commissioner Jones also declared an emergency exists in California yesterday, which allows insurance companies to use out of state adjusters to respond more quickly to the losses arising out of these wildfires. Jones also mobilized the department's resources to make sure consumers had access to the consumer assistance and support the department provides to help consumers navigate the insurance claims process.
Commissioner Jones is visiting the Santa Rosa burn areas to survey the damage, meet with residents, make sure insurers are on-site taking claims, and to meet with California Department of Insurance staff who were deployed on-site to assist residents. CDI staff are participating in Local Assistance Centers established in fire areas throughout the state.
He also directed the department's law enforcement team to deploy to areas hit by fires to educate residents on how to avoid scam artists who prey on vulnerable victims. CDI Detectives were first deployed to Anaheim yesterday and will be deployed to other areas hit by fires.
Policyholders should contact their insurance company and insurance agent to begin the claims process. They may also contact the Department of Insurance Consumer hotline at 800-927-4357 to seek assistance or visit the Departments website for tips and advice.
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The following is a list of Insurers who agreed to adopt the expedited claims handling procedures. We expect other insurers to agree to the Commissioner's request. To find out if your insurer is participating, contact your insurance company or our call the department's hotline at 800-927-4357.
- Allstate Insurance Company
- Wawanesa General Insurance
- Golden Bear Insurance
- CSE Insurance
- State Farm Insurance
- CSAA Insurance Group
- Farmers Insurance Group
- Liberty Mutual (Safeco) Insurance Group
- The Hartford Financial Services Group
- Travelers Insurance Group
- American Strategic Insurance Company
- Midvale Indemnity Company
- Homesite Insurance Company
- Ameriprise Auto & Home Insurance
- Link to the expedited claims handling notice.
- Photos of CDI's enforcement team in Anaheim and of the department's post-fire activity.
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.