California wildfires: What to know when filing an insurance claim

Population affected by Wildfires in California You may be inundated with calls from people offering to handle their claims for them, but it’s important to work with the insurance company directly to begin the claim process, rather than third-party adjusters.

That’s according to Janet Ruiz, a spokeswoman for the Insurance Information Institute.

Ruiz told FOX Business that third-party public adjusters are not allowed to immediately file claims under rules set by the California Department of Insurance. Money to pay for these individuals will also come from settling residents’ claims as well, Ruiz said.

Once an individual contracts with a public adjuster, they will not be able to work directly with them Insurance company On the claim process.

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Most insurance companies have a mobile app through which you can submit a claim. But affected residents can also contact their insurance companies directly or contact them online. Some insurance companies will have mobile units in that area, and others will distribute checks to use for their additional living expenses right away, Ruiz said. Ruiz said they have also seen companies use debit cards instead of checks when they have mobile units on site in an area where wildfires have occurred. The Federal Emergency Management Agency (FEMA) also uses debit cards.

When someone contacts their insurance company, they should make sure they have a copy of their policy or understand what it covers. Residents should also try to make a list to go through everything that was damaged using the adjuster.

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If the officer isn’t helpful, Ruiz said residents should ask someone more senior at the company to help them. If they still need help, they can contact the California Department of Insurance.

Ruiz said residents whose homes are completely empty Destroyed by fires It will be a priority as the claim will usually be examined immediately.

“Some inspectors will be able to use drones in the area to get an idea of ​​the damage early on,” she added. “This is very helpful for all the people who need help.”

When it is safe to return to their home, Ruiz said residents should try to keep damaged items until an insurance adjuster can inspect and evaluate the damaged item, if possible. It is also important to take photos and videos of all damage as soon as possible.

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Any auto losses can be insured under comprehensive auto policy coverage, according to Ruiz.

While residents wait to return to their homes, their additional living expenses when they have to live elsewhere are covered by insurance. It will also pay for food and temporary repairs, according to Ruiz.