Hi. We live in MA. Have O&L coverage. Large house fire >50% repair requiring it to be built to current code. Town Board of Health reviewed plans of existing structure pre-loss and determined that based on MA Title 5 law, the room count exceeded the…
Hi, Thank you for maintaining this website. There is so much guidance. We lost our home in CA LNU wildfire in 2020 and started working with our insurance adjuster. Insurance considered it a total loss and paid part (ACV, misc) of our claim and agreed…
My property was damaged in the rainstorm in February 2023. I have experienced a bad faith settlement with my insurance company, Liberty Mutual. Do I have the right to sue them and if so, is the statute of limitations one year from the disaster? Can…
My home burned in the Marshall fire and even though a builder’s agreement was signed in June of 2022, the house is still under construction and is not expected to be finished until July. The policy has ALE coverage of a dollar amount, not a…
My family suffered a total loss of our home of 17 years due to an electrical fire on October 1st, 2022. We were significantly underinsured and have been struggling to rebuild and recover. Our insurance company automatically paid us 60% ($124,000) of our personal property…
I received a non renewal notice from Mercury Insurance for home and earthquake insurance with an open claim. I am writing to understand my rights, as given the unique circumstances this seems unlawful to me. Background: Besides home and earthquake insurance with Mercury I have…
My insurance company is leaving the state (California). I am in a high fire risk area. Many of my neighbors have also been cancelled. I was paying about $2300 a year, and will be forced to pay over $5k a year on “fair plan”. Is…
Hello, It has been 5 years since the total loss of my home in the 2018 Camp Fire and I’ve just recently received a bill from Cal Recycle’s Tetra Tech informing me that I owe over $11,000 in reimbursement for debris removal. Can Cal Recycle…
Hello and thank you for your time, I’m looking for advice after I had a total loss detached garage fire in February and came to find out my garage was vastly under insured. I bought this home, my first, in 2021 and unfortunately didn’t know…
How can a CA Farmer’s broker deny non renewal, without inspection of an home/maintained with fire safety standards and then be allowed to be a broker for the FAIR plan? The FAIR plan has become the only resort for CA homeowners, who happen to live,…
Can I claim the cost of damaged flooring when the same flooring was damaged from a different loss 2 years ago? The carrier paid for the flooring from a different claim 2 years ago. We now have a new claim and the same area of…
Cal Fair Plan Suggests that 2695.9. only applies to RCV policies. They suggest that the verbiage outlined in section 2695.9. (a) only applies to RCV policies and not ACV policies. “When a residential or commercial property insurance policy provides for the adjustment and settlement of…
My homeowners policy was terminated due to increase in hazard. I sent the insurance company pictures of my roof, sides of home, under sinks, sinks, water heater, and electric panel. They also requested a copy of an invoice of the roof repairs. When we purchased…
Full payment has been paid to CA FAIR and check processed, but we still receive a bill.
Our course of construction insurance is about to lapse, and we are struggling to find homeowner’s insurance, even though our new house is very firesafe (it was built that way). Fair Plan is backlogged and no one is writing policies in our area. We live…