As the devastating wildfires continue to burn in our district, it is important for you- as a policyholder- to be informed, in the horrific event that you may suffer a loss, or need to evacuate.
As a homeowner, in the aftermath of a natural disaster, you may be eligible for reimbursement of additional living expenses (ALE) incurred due to mandatory evacuation or if a home is rendered uninhabitable due to a disaster event. ALE coverage is generally included in the homeowner’s policy and therefore is available to help homeowners maintain their normal standard of living while they go through the claims and rebuilding process.
ALE typically covers:
- Housing/ hotel expenses
- Additional food expenses
- Furniture rental expenses
- Relocation expenses
- Storage Expenses
- Telephone installation expenses
- Extra school and work transportation expenses
Policyholders need to contact their insurance carrier to obtain information about the specific expenses covered by ALE in their homeowners’ policy. Businesses may also be eligible for reimbursement due to lost business.
ALE coverage is guaranteed by law for up to 24 months after a declared disaster.
I pray that you and your loved ones sustain no losses. However, in the event this occurs, the following list provides the claim reporting telephone numbers for every major property casualty insurer in California. Please be prepared, so that you, your family, and friends are protected and may recover quickly should a loss occur.
AIG Property Casualty Company: 888-760-9195
Allstate : 800-547-8676
American Modern Home Insurance Company: 800-375-2075
American Reliable Insurance Co.: 800-245-1505
American Bankers Insurance Company of Florida: 800-852-2244
Ameriprise Auto & Home Insurance: 800-872-5246
Amica Mutual Insurance Co.: 800-242-6422
Bankers Standard Insurance Co.: 800-765-9700
California Capital Insurance Co.: 800-986-9974
California Casualty: 800-800-9410
CSAA Insurance Exchange (AAA Northern California): 800-922-8228
Century-National Insurance Co.: 844-582-7969
Coastal Select Insurance Co.: 844-642-1815
CSE Safeguard Insurance Co.: 888-236-5584
Encompass Insurance Co.: 800-588-7400
Farmers Insurance Group: 800-435-7764
Federal Insurance Company/Chubb: 800-252-4670
Fireman’s Fund Insurance Co.: 888-347-3428
First American Specialty Insurance Co.: 800-756-9100
Foremost Insurance C.: 800-527-3907
Foremost Property & Casualty Insurance Co.: 800-527-3905
Geovera Insurance Co.: 800-859-8734
Grange Insurance Assn: 800-445-3030
Hartford (Sentinel): 800 327 3636
Homesite Insurance Co. of California: 800-466-3748
Horace Mann: 800-999-1030
InterInsurance Exchange of the Automobile Club: 800-924-6141
Kemper Independence Insurance Co.: 888-252-2799
Liberty Mutual Insurance: 844-825-2467
Metropolitan Direct Property & Casualty Insurance Co.: 800-638-4208
Oregon Mutual Insurance Co.: 800-934-3809
Pacific Property & Casualty Co.: 800-333-2860
QBE Insurance Corp.: 800-362-5448
Residence Mutual Insurance Company: 800-962-2142
State Farm General Insurance Co.: 800-782-8332
Stillwater Insurance Group: 800-220-1351
Tokio Marine America Insurance Company: 877-567-7486
Topa Insurance Co.: 877-353-8672
Universal North America Insurance Company: 866-999-0898
Wawanesa General Insurance Company: 800-640-2920
Here are some additional resources:
- The Insurance Information Institute (III) has information for homeowners on conducting a home inventory: https://www.iii.org/article/how-create-home-inventory/.
- The California Department of Insurance’s (CDI) website provides information on Residential Insurance for Homeowners and Renters: https://www.insurance.ca.gov/01-consumers/105-type/95-guides/03-res/upload/Residential-Insurance-Home-Renters-Temporary-2017.pdf.
- The Insurance Information Institute has a 10 Minute Evacuation Challenge available on YouTube https://youtu.be/TLtrntXifkY.
If you have additional questions, don’t hesitate to contact my Vacaville district office at: (707)454-3808. We are here to help you, however possible.