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CA Insurance Commissioner demands expedited claims

California Insurance Commissioner Ricardo Lara wants quick action from insurance companies.

Posted: Nov 21, 2019 4:17 PM

SACRAMENTO, Calif. - California Insurance Commissioner Ricardo Lara wants quick action from insurance companies.

Action News Now spoke with a Camp Fire survivor, Jenna Johnson who discusses how her neighborhood is nearly unrecognizable.

"Now you can see all the way to Concow," Johnson said.

She lived on a compound in East Paradise. Six homes, all owned by family members, and all burned in the Camp Fire.

Her home was one of the first in Paradise to succumb to Camp Fire flames. Johnson said she is suing her insurance company and that she still hasn't gotten a dime. 

California Insurance Commissioner Ricardo Lara has issued an emergency notice to insurance companies across the state, demanding that they expedite claims so that wildfire survivors can begin or move more quickly in the rebuilding process.

According to a news release from the Commissioner's office, Lara issued these directives of all property and casualty companies:

  • Minimum four-month advance payment of Loss of Use, Fair Rental Value or Additional Living Expenses
  • The minimum 60-day billing grace period to allow for lost or destroyed renewal notices
  • Advance payment of at least 25% of policy limits for personal property — without the completion of an inventory
  • Accepting any inventory form that contains substantially the same information as a company-specific form
  • Accepting an inventory that includes groupings of personal property, such as clothing, shoes, books, or food items rather than listing individual item
  • Expediting payment of vehicle damage claims covered under comprehensive loss coverage
  • Cooperating with consolidated debris removal efforts coordinated through the city, county, and state agencies, unless the insurer can provide more rapid debris removal outside of this effort
  • Commissioner Lara also wants changes to California's FAIR plan, which is a plan that residents can buy when they can't find another affordable plan.  Many complain that the FAIR plan is not affordable, and it only covers dwelling wildfire damage and destruction.

Lara wants the FAIR plan to become comprehensive and modernized by June 1, 2020.

To read more about Commissioner Lara's Emergency Notice, CLICK HERE.

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The first of two storms moved over northern California late last night and this morning, but our weather has quieted for now. More rain showers will fall Saturday, but heavier rain and snow with stronger wind arrives Sunday.
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