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Our insurer (State Farm) is offering a 50% advance payment of our Personal Property amount in exchange for us agreeing to providing a full inventory of the lost property and obtaining the property coverage within 36 months. What are the pros and cons of this…

My insurance company denied full coverage for my claim involving a hit-and-run while my car was parked, citing that I had not reported all damages when submitting the claim online. I protested, explaining that I had accurately indicated the locations of all damages using their…

State farm cancelled home insurance due to claims. What are my options?

I need clarification on the language received by my insurance adjuster. “The California FAIR Plan Association acknowledges receipt of your claim for damage to your property. There is a question as to whether the California FAIR Plan is obligated under the policy to provide coverage.”…

I recently requested a Fire Wise Community discount from CA Fair Plan. The discount was denied because CFP underwriting was “unable to verify” that the property was within the Fire Wise community. NFPA, in their web page stated that ” NFPA cannot make determinations about…

Hello – I am hoping for clarification. Under the CA state of emergency residential policies are to provide a minimum of 24 months ALE. Is this even if the policy states only 12 months of coverage?

We had a total burn down of our family home in the Eaton Fire, and I’m looking to deposit my initial Coverage A payment with Chase Mortgage so they can distribute rebuild funds as needed. After three hours on the phone, and being tossed around…

Our insurance wants us to do a preliminary inventory that will not count depreciation, and I am not sure if this is a good idea or not. Does it lock us into a certain inventory framework? They say that we can add to the list…

Our small, 12-unit HOA was non-renewed by Farmers effective March 8, 2025. We have been searching for a new carrier 80+ days with no success. We have used independent brokers both in California and nationally. Nothing. Can anyone recommend a carrier who will write a…

Would love information on how best to cash out of my insurance policy.

My home is insured with CA Fair Plan and was destroyed in the Eaton Fire. I am considering selling the lot “as is” but have not yet settled my claim with my insurance company. If I sell the lot how could this affect my insurance…

I suffered a total loss in the Los Angeles Eaton fire and have been collecting info on possessions for insurance. My insurance company contracted with someone to help with that process and she provided me with instructions and a template to follow, including a set…

My claims adjustor has requested confirmation of cause of loss from the property manager where I rent. A Code Compliance Officer from the city of Pasadena has already certified the damage and informed the property manager to repair it. However, my insurance insists on obtaining…

For our loss of use, our insurance offers a choice between ALE and Fair Market Rental coverage. If we choose Fair Market, does that mean they are required to pay us that amount in cash without having to provide the hotel receipts, etc. for ALE.