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Allstate refused to place me in temporary housing that met my disability-related needs, despite my providing them with two letters from my healthcare providers explaining what accommodations were necessary in the temporary housing. Within a few months, my health was being severely impacted. Because Allstate…

I am on the CA FAIR plan and my home is located in the WUI. FAIR recently updated their discount setup for wildfire prevention to cover 13 different categories. How much % discount is each category worth? How will the completion of each category be…

I live in the foothills of Colorado and my homeowner’s insurance keeps getting dropped just after getting instated by a new insurer. Apparently they can insure but only for “one term.”  It seems that a “term” is around two months or so. Is anyone else…

We are senior citizens with two vehicles: a 2016 Chevy Silverado truck and a 2017 Chevy Equinox. We do not use the truck very often. I drive the Equinox to work, which is about 14 miles round trip, four days a week. We also use…

The City of Los Angeles, following the Palisades Fire, will fast-track approvals and waive many permitting fees for a rebuilt home that is no more than 10% larger in square footage than the dwelling before the fire. If we take advantage of this frankly generous…

During a recent rainstorm, water entered our home through the roof where clay tiles had been broken—either by the electrician who installed an electrical panel or by Edison personnel who went onto the roof to inspect the work. We were unaware of the broken tiles…

If a survivor of the 2025 Great Palisades Fire insured with State Farm declines to prepare a list of lost personal property due to psychological trauma associated with the task, what is the appropriate way to proceed with the claim? State Farm has already advanced…

My car was stolen July 9th and recovered 4 days later. At the time my coverage had lapsed due to an auto-payment that didn’t go through two months prior. I intended to make up the payment but just procrastinated it. You can imagine my additional…

Let’s say: A married couple own a building in Brooklyn NY with one tenant. This building is their primary residence. The homeowners insurance policy is a Multi-peril Special Form policy. They create a revocable living trust. They are the Trustees of the newly created trust.…

Complete loss of house in Palisades Fire, I have CA Fair Plan insurance, they’ve paid all buckets except $20k plants, $25k debris removal, and $160k code upgrade. Since they must pay me these amounts whether i rebuild or buy a replacement property, why will they…

The home we lost in the Eaton Fire consisted of a two-story front house of approximately 2,700 sq. ft. and a rear unit of about 500 sq. ft., for a total of roughly 3,200 sq. ft. of living space. The design-build firm we are currently…

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We have identified a replacement property for our Eaton Fire loss that the insurer has approved as being of ‘like kind and quality.’ However, we are still negotiating the final Replacement Cost Value (RCV) of our original home. Can we proceed with purchasing this replacement…

We lost our home in the Eaton Fire last year. A family member owns a property that we would like to purchase as our replacement home. This property is similar to what we lost. Is it allowed to purchase a replacement home from a family…