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I suffered a total loss of two structures and all contents within each in a 2020 California wildfire. I have been working on my contents inventory for months. My insurer has promoted the idea of using a third-party firm that can create a contents inventory…

My car had expired car registration tags when I was involved in a accident. The company has already told me it’s a “Not At Fault Collision Claim.” The adjuster wants pics of the damage. But, also the registration. When taking the picture is when I…

Would fire-related debris flow into a house be covered by the FAIR plan? I am concerned about a future disaster.

My primary home is in California. My insurer has elected not to renew my policy because my primary home is in a high risk fire area. No other admitted carrier wants to insure my home. My insurer however has agreed to write a policy with…

A 2020 California wild fire destroyed my second home. My current insurer has elected not to renew my HO policy on my primary home due to the high fire risk location of my primary home. Upon trying to secure a new HO policy from another…

I am rebuilding a structure destroyed in the 2020 Creek Fire in California. I am incurring a lot of expenses related to architectural, engineering, surveying and permit fees. Are all these fees considered Coverage A costs and therefore come out of the “Coverage A pot…

Mileage to and from all locations visited for rebuild and and replacement related business. This is something I would not have done if I had not lost my home. State Farm is balking at this, but I have plenty of money left in my ALE…

We live in Louisville and are very confident our windows were compromised in the fire. We had Pella come out to determine if the damage was caused by the fire, but Allstate, our insurance company, did not accept their insight. When insurance sent their industrial…

We are thinking of purchasing instead of rebuilding (primarily because of adjuster issues), can we sell the land before we settle with insurance company? Do we need anything from them prior?

My initial impression was that House Bill 22-1111 (signed June 2022) would not be retroactive to previous Colorado wildfire survivors. However, Rep. Amabile said many provisions are intended to be retroactive. As I have been unable to rebuild, here are the specific provisions I would…

Hello, I lost my home in the 2020 Glass Fire in the Napa Valley. My question relates to Fair Rental Value coverage. My policy allows FRV not to exceed 12 months. Question: Have the recent insurance law changes in California extended the amount that one…

Can you ever get above your personal property limits? Is there an inflation guard for personal property?

My home burned in the Marshall Wildland Fire. We have USAA insurance. The City of Louisville is allowing us to opt out of the 2021 IECC building code and downgrade to the 2018 IECC standard. My question is whether the insurance companies will pay building…

The Employer’s Liability Exclusion (page 2 of 16 of Commercial General Liability Coverage form CG 00 01 10 01), has a statement below at the end. “This exclusion does not apply to liability assumed by the insured under an ‘insured contract’ ” I’m an additional…

I’m negotiating with my insurance company on code upgrade charges. We lost our home in the 2017 Tubbs Fire in California. My original house was built in the ’70s and remodeled in mid ’80s. Our rebuild permit was issued in 2019. What portion increase (percentage…