Paradise holds wildfire insurance meeting

The Deputy Commissioner for the State Department of Insurance addressed Camp Fire survivors' concerns.

Posted: Oct 1, 2019 10:38 PM
Updated: Oct 1, 2019 11:08 PM

PARADISE, Calif. - The Deputy Commissioner for the State Department of Insurance addressed Camp Fire survivors' concerns.

"You can see tonight that there's a lot of people here in a crisis situation and the more of these meetings you go to I think you pick up stuff and you find out that you're not a lone ranger in it and there's a lot of people here that have information that can help you and that's important," Mike Trinca from Paradise said.

The Rebuild Paradise foundation provided basic insurance education.

They shared how the cost of insurance is address specific and based on two entities - your fireline score and protection class.

Fireline score considers the amount of fuel or brush around your home and the slope of your property.

The protection class is based on your community's water supply and communication system.

"If you have a home in chico your protection class is most likely around a 3, Paradise we're looking at 2 – 3 which is really good Magalia tends to be around a 4 forest ranch Cohasset sterling city are more like 8 or 9's in their protection class," the foundation said.

"I liked what Rebuild Paradise Foundation in terms of really simplifying everything and really making it accessible and understandable and seeing that we do still have options here," Monica Nolan from Magalia said.

The Deputy Commissioner from the State Department of Insurance Tony Cignarale spoke about insurance for total loss of a property and partial loss.

Cignarale said for people who are underinsured - the law isn't great.

But to have documentation readily available to prove that the full cost to rebuild your home is more than the coverage you're seeing.

"So if you're running into a situation where you still didn't get what you think is agreed upon the 75% of whatever it was - come to us so we can follow up with that insurance company and determined on what they respond to us and what they tell us they're going to do and hold them to that," Cignarale said.

"I didn't realize they were consumer advocates also so it sounds like they have the ability to – they're a resource if you have complaints or concerns," Steve Merrick from Paradise said.

"I think the setting is it does show the community it trying to pitch in and help anybody that lives here everybody that wants to stay here they wanna create new businesses they want people to live here move here they wanna rebuild Paradise so it's a good thing," Trinca said.

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It's a warmer and windier day for our area in the wake of the storm from this weekend. A Red Flag Warning continues for the valley through 8pm and for the Sierra through late Tuesday morning, with hotter weather returning.
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