Zoomerang Survey Results
2010 San Bruno Roadmap to Recovery Survey
Response Status: Completes
Filter: No filter applied
Feb 07, 2011 3:57 PM PST
1. Was your home damaged or destroyed as a result of the explosion and fire in San Bruno on September 9th, 2010?
Damaged		14	61%
Destroyed		9	39%
Total		23	100%
2. Did you have insurance on your dwelling?
Yes		23	100%
No		0	0%
Total		23	100%
3. Have you filed a claim with your insurance company?
Yes		22	96%
No		0	0%
Have not decided		1	4%
I do not have insurance		0	0%
Total		23	100%
4. What is the name of your insurance company?
N/A		0	0%
AAA		3	13%
Allied		1	4%
Allstate		2	9%
AMICA		0	0%
Century National		0	0%
Encompass		0	0%
Farmers		3	13%
Fidelity		0	0%
Firemans Fund		0	0%
The Hartford		1	4%
Liberty Mutual		2	9%
Lloyds of London		0	0%
Mercury		1	4%
Residence Mutual		0	0%
Safeco		3	13%
State Farm		5	22%
Travelers		1	4%
Wawanesa		0	0%
USAA		1	4%
Other, please specify		0	0%
Total		23	100%
5. Do you rent or own the dwelling that was damaged or destroyed?
Rent		0	0%
Own		23	100%
Total		23	100%
6. How much dwelling insurance per square foot of living space do you have?  Note: Divide the Dwelling (Coverage A) limit that appears on the Declarations page of your policy by the total square footage of living space in your dwelling. (Do not include your limit for "other strucutures" such as sheds, garages, etc., and do not include any "extended coverages" or other add-ons)
0-$100 per square foot of dwelling insurance		1	5%
$100-$200 per square foot of dwelling insurance		5	23%
$200-$300 per square foot of dwelling insurance		9	41%
$300-$400 per square foot of dwelling insurance		4	18%
I don't have enough information		3	14%
Total		22	100%
7. Do you have an "extended replacement cost" or other type of provision in your policy that increased your stated dwelling limits?
Yes		15	68%
No		7	32%
Total		22	100%
8. What are your extended replacement cost limits:
I do not have extended replacement cost coverage		6	27%
25%		4	18%
50%		6	27%
Other, please specify		6	27%
Total		22	100%
9. Has your insurance company made an offer to either pay policy limits or settle the dwelling portion of your claim?
Yes		14	64%
No		8	36%
Total		22	100%
10. Do you feel you have reached a settlement with your insurance company on the dwelling portion of your loss?
Yes, we have reached a settlement		5	23%
No, we are still negotiating		17	77%
Total		22	100%
11. Have you gotten an independent estimate of how much it would cost to repair, rebuild or replace your home?  Note: "Independent" means you picked the estimator/contractor, not your insurer or adjuster
Yes		7	32%
No		15	68%
Total		22	100%
12. If you have not yet had an "independent" dwelling repair/replacement estimate, please choose all applicable reasons why you have not received an independent estimate of what it would cost to repair/replace/rebuild your damaged or destroyed home:
Can't find a qualified professional who will take the time to come out		0	0%
I'm not building the same house		4	27%
I don't want to or can't pay for an estimate		1	7%
I'm relying on the insurance company/adjuster to get that information		2	13%
I'm overwhelmed		6	40%
Other, please specify		5	33%
13. Do you have enough insurance to cover the cost of repairing, replacing or rebuilding your home?
Yes		13	59%
No		9	41%
Total		22	100%
14. If you do not have enough insurance to repair or replace what was damaged or destroyed,  give your best estimate of how much money you are short (estimating costs to repair/replace minus (-) insurance)
6 Responses
15. Is your insurance company disputing any repairs, damage or losses that you believe are related to the explosion/fire?
Yes		7	32%
No		15	68%
Total		22	100%
16. Have any of the following items been in dispute?  Please check all that apply.
Roof repairs		1	20%
Chimney		0	0%
Interior painting		0	0%
Indoor air quality		1	20%
Repair costs		1	20%
Insurance coverage amounts		0	0%
Contents cleaning		1	20%
Contents repairs		0	0%
Contents replacement		3	60%
Whether the structure can be repaired or needs to be replaced		2	40%
17. Are you considering buying a replacement home instead of rebuilding?
Yes		6	27%
No		16	73%
Total		22	100%
18. If yes, has your insurance company told you the total dollar amount of insurance benefits you will be able to use to buy instead of rebuild? (Please explain)
3 Responses
19. Please describe as best you can the status of your settlement negotiations with your insurance company, and any obstacles you're facing:
15 Responses
20. Have you filed a formal complaint (Request for Assistance "RFA") with the California Department of Insurance?
Yes		0	0%
No, I do not have any complaints		17	77%
No, I have a problem with my insurance company, but have not filed a formal complaint		5	23%
Total		22	100%
21. Did your insurance company pay you any funds as an "advance" (before you submitted receipts or incurred expenses)?
Yes		20	91%
No		2	9%
Total		22	100%
22. Please describe any concerns or problems you have had or are having that relate to your claim for Additional Living Expenses (loss of use)?
10 Responses
23. Did your insurance company send or offer to send a contents specialist to help you with your inventory?
Yes		9	41%
No		13	59%
Total		22	100%
24. Is your insurance company requiring you to use a specific form for your contents inventory?
Yes		6	27%
No		16	73%
Total		22	100%
25. Personal Property/Contents Coverage:  Do you have enough insurance on "contents" to replace everything that was damaged or lost?
Yes		15	71%
No		6	29%
Total		21	100%
26. Is your insurance company requiring you to itemize all items in order to be fully reimbursed for your Personal Property/Content loss?
Yes		12	55%
No		10	45%
Total		22	100%
27. If "Yes", did you ask if they would "waive" the requirement to itemize all items?
Yes		3	19%
No		13	81%
Total		16	100%
28. If "Yes", what was your insurance company's response to your request?
6 Responses
29. Did your insurance company explain "depreciation," "holdbacks" and/or "recoverable depreciation" and how those terms impact your benefits?
Yes		15	68%
No		7	32%
Total		22	100%
30. Did your insurance company explain what you need to do to collect full replacement cost benefits for items they depreciated and/or held back payments for?
Yes		15	68%
No		7	32%
Total		22	100%
31. Have you filed a compensation claim with PG&E?
Yes		9	39%
No		14	61%
Total		23	100%
32. Did you sign a form giving PG&E authorization to access your insurance file and discuss your claim with your insurance company?
Yes		4	17%
No		18	78%
N/A		1	4%
Total		23	100%
33. Have you hired an attorney in connection with your losses from the pipeline explosion and fire?
Yes		7	30%
No		3	13%
Still considering it		13	57%
Total		23	100%
34. Have you hired a public adjuster to represent you on your insurance claim related to the pipeline explosion and fire?
Yes		3	13%
No		18	78%
Still considering it		2	9%
Total		23	100%
35. If you did not have insurance on your dwelling, please explain the circumstances.
3 Responses
36. Optional:
14 Responses