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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…

I watched your webinar tonight on being underinsured. I am uncertain if my next step is to request information from the insurance commissioner or to first ask my agent for documentation on how they came to my coverage amount? And we have a public adjuster…

Can a home owner use Fair Rental Value to pay for temp house rent while the fire damaged house is being rebuilt?

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…

We lost our property in the recent Eaton Fire. Our insurance company is pressuring us for a full contents list and they keep mentioning a 60 day time limit. What is the California time limit for submitting out contents list? Is there an California Insurance…

We lost our house in the Palisades Fire. I am having a hard time finding housing and if I do it is very costly. I was wondering how ALE (loss of use) would work if you bought a house for temporary housing vs renting till…

This question was asked and somewhat answered two years ago and would to hear current perspectives regarding people in CA who have had a hard time deciding between the CA Fair Plan with a wrap around policy that excludes fire vs a non-admitted carrier that…

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…

Hello – we lost our main home and our ADU in the Palisades fire. They were both declared a total loss. We have separate policies for both the main house and the ADU We understand that if we choose to not rebuild, we can use…

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

When I first bought my residential policy in 2022 I was given a complete copy. This policy had expiration dates. Every time I renew, I review the renewal in its entirety (about 33 pages). My insurance company is now saying that there were riders in…

Hello, I am a victim of the Eaton Wildfire in Los Angeles. My home was a total loss and I’m working through the claim process with my insure. I have an urgent questions and was hoping to get a response from UP quickly, if possible.…