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Insurance reminders for victims of the Trailhead Fire

News: 2016 Consumer Bulletin

For Release: July 1, 2016
Media Calls Only: 916-492-3566
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Insurance reminders for victims of the Trailhead Fire

SACRAMENTO, Calif. — Thousands of Placer and El Dorado County residents ordered to evacuate due to the Trailhead Fire may have insurance coverage under their homeowner and renter policies to help them with evacuation and recovery expenses under additional living expense coverage, or ALE.

"Disaster situations can be emotionally and financially draining on evacuees," said Insurance Commissioner Dave Jones. "It is imperative residents get the help they need to recover and get their lives back on track. Many evacuees may be unaware if their insurance policy covers additional living expenses associated with a mandatory evacuation and recovery. I encourage evacuees to contact their insurance agent or the Department of Insurance for assistance."

Here are some tips for consumers:

  • Residents should review their policies to see if they have coverage for additional living expenses. Most renters' policies also typically include ALE coverage.
  • ALE coverage typically includes food and housing costs, furniture rental, relocation and storage, and extra transportation expenses. Make sure any insurance agent or public adjuster offering their services to you has a valid license by checking online with the Department of Insurance: check license status
  • Public adjusters cannot solicit your business for seven calendar days after the disaster.

Department of Insurance Consumer Service team members will be at the local assistance center to provide information and answer questions to help those affected by the fire.

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Media Notes:

  • If you have any questions or need assistance, the California Department of Insurance is here to help. Please call: 1-800-927-4357 or visit
  • Additional contact information:
    • Federal Emergency Management Agency: 1-800-621-FEMA (3362) or
    • Contractors State License Board: 1-800-321-CSLB (2752) or
    • National Insurance Crime Bureau 1-888-815-9064 or

Led by Insurance Commissioner Ricardo Lara, the California Department of Insurance is the consumer protection agency for the nation's largest insurance marketplace and safeguards all of the state’s consumers by fairly regulating the insurance industry. Under the Commissioner’s direction, the Department uses its authority to protect Californians from insurance rates that are excessive, inadequate, or unfairly discriminatory, oversee insurer solvency to pay claims, set standards for agents and broker licensing, perform market conduct reviews of insurance companies, resolve consumer complaints, and investigate and prosecute insurance fraud. Consumers are urged to call 1-800-927-4357 with any questions or contact us at via webform or online chat. Non-media inquiries should be directed to the Consumer Hotline at 800-927-4357. Teletypewriter (TTY), please dial 800-482-4833.

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