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Important Insurance Information On Wildfires

Submitted by the Office of Assemblyman Frank Bigelow

CALIFORNIA – The wildfire season is still raging across our state. In our region alone, wildfires have devastated some of our communities. Even now, homeowners and first responders are fighting to protect homes, property, and lives.

While I hope that none of you have been affected by a wildfire, there are resources available to you in case disaster strikes.

Below you can find information provided by the Personal Insurance Federation of California on reimbursement for living expenses caused by a mandatory evacuation, and other useful links.

At the bottom of this piece, you can find a phone number for major insurance companies in the event that you need to file a disaster claim.

Please click on any of the highlighted links below to visit the corresponding website.

The Insurance Information Network of California (IINC) has information for homeowners on conducting a home inventory here.

The California Department of Insurance’s (CDI) website provides Tips for Homeowners and Renters.

Insurance Information Institute has a 10 Minute Evacuation Challenge available on YouTube.

You should also know that homeowners may be eligible for reimbursement of additional living expenses (ALE) incurred due to mandatory evacuation or if a home is rendered uninhabitable due to a qualifying disaster event.

ALE typically covers:

-Housing/hotel expenses
-Additional food expenses
-Furniture rental expenses
-Relocation expenses
-Storage expenses
-Telephone installation expenses
-Extra school and work transportation expenses

ALE coverage is generally included in the homeowners’ policy and, therefore, is available to help homeowners maintain their normal standard of living while they go through the claims and rebuilding process.

Policyholders need to contact their insurance carrier to obtain information about the specific expenses covered by ALE in their homeowners’ policy.

Businesses may also be eligible for reimbursement due to lost business. ALE coverage is guaranteed by law for up to 24 months after a declared disaster.

Insurance Contact Information to File a Disaster Claim

21st Century (800) 322-8200

AAA Claims Reporting/Auto Club of Southern California (Inter-Insurance Exchange) (800) 672-5246

AIG (877)-244-0304

Allied (800) 282-1446

Allstate (800) 54-STORM (547-8676)

American International Insurance Company of California

(888) 760-9195

American National Property and Casualty Company (800) 333-2860

Amica Mutual Insurance Co. (800) 242-6422

Balboa Insurance Group/Balboa Insurance Company/Newport Insurance Company/Meritplan Insurance Company (888) 768-2096

California Casualty (800) 800-9410

Century-National Insurance Co. (800) 733-1980

Chubb (800) 252-4670

Civil Service Employees Insurance Company (800) 282-6848

CNA (877)

CNA-ASAP (262-2727)

Electric Insurance Company (800) 227-2757

Farmers (800) HelpPoint (435-7764)

Foremost (800) 527-3907

Fireman’s Fund Insurance Company (888) FIRE-HAT (347-3428)

GeoVera and GeoVera Specialty Insurance Company

(800) 631-6478

IDS Property Casualty Insurance Company (Ameriprise)

(800) 872-5246

Kemper Insurance (888) 252-2799

Lexington (800) 931-9546

Liberty Mutual (800) 713-7379

MetLife Auto & Home (800) 854-6011

National Interstate Insurance (800) 929-0870

Nationwide/Allied (800) 282-1446

Oregon Mutual (800) 888-2141

Pacific Specialty Insurance (800) 828-3003

Progressive (800) 776-4737

Safeco (800) 332-3226

State Farm (800) SFCLAIM (732-5246)

USAA (800) 531-8722

Wawanesa Mutual Insurance Company (800) 572-5246

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