Even though California was running below its seasonal average for precipitation, a set of winter storms hit the state this week. California’s Department of Insurance (“CDOI”) timely released a Notice to all property and casualty insurance carriers who provide homeowners and commercial property insurance to California consumers about their obligations to cover mudslide events, specifically in areas recently impacted by wildfires. Continue Reading California Department of Insurance Reminds Carriers to Cover Mudslides Following Wildfires

New laws enacted last month provide further support for California wildfire claimants by requiring carriers provide additional coverages. Only a few years ago, California enacted laws requiring insurers to provide coverage for Additional Living Expenses (ALE) incurred due to a covered loss relating to a state of emergency – almost every massive wildfire – for a period of no less than 24 months. (California Insurance Code Section 2060(b)(1).) Continue Reading New California Law Require Insurers to Pay Up to 36 Months of Additional Living Expenses and Advance at Least Four Months of Payments Following Wildfires

Wildfires have erupted across Colorado, forcing thousands of Coloradans to evacuate to safety from the Cameron Peak, CalWood, Lefthand Canyon, and East Troublesome Fires. Accordingly, the Colorado Division of Insurance (DOI) issued a news release to give insurance advice to those effected on evacuation, filing insurance claims, and financial preparedness. The consumer advisory provides practical insurance tips, insurance evacuation and claims advice, and guidance on returning home after the fire. Continue Reading Colorado Wildfires – Colorado Division of Insurance Advisory to Impacted Coloradans

While many enjoy “smokey” notes in their wine, no one enjoys the flavor of an ashtray. But that is exactly what can occur to wine made with smoke-tainted grapes. Wildfires produce an excessive amount of smoke combustion byproducts, and currently many of the wildfires raging now are in wine country. Because wildfire season lines up with winery harvest season, smoke-tainted grapes are an unfortunate reality – especially this wildfire season. Continue Reading When Wine Grapes and Wildfire Smoke Meet: The Smoke Taint Claim

Larry Bache, who will talk about Hurricane Sally claims in Florida, was debating with Derek Chaiken in our Los Angeles office about smoke residue claims versus char claims from the California Wildfires when I came up with the brilliant idea of holding an impromptu seminar with Merlin Law Group attorneys about all the ongoing catastrophes, on my Tuesdays at 2 With Chip. Deborah Trotter is licensed in Louisiana and will join us about Hurricane Laura claims. Ashley Harris is licensed in Alabama and will join us in about Hurricane Sally claims there. I am licensed just about everywhere but will concentrate on Texas claims from Beta. Continue Reading Beta in Texas, Laura in Louisiana, Sally in Alabama and Florida, and Wildfires in California—Do Not Miss Learning From Attorneys in All These Jurisdictions Today at Tuesdays With Chip at 2

Wildfires are ravaging California again. Climate change coupled with a prolonged heat wave and a rare summer lightening storm have lit up multiple parts of the State. The fires are hitting numerous populated areas. Homes and business are being destroyed. Unfortunately, this appears to be the new norm. Due to the increase in fire disasters, California has acted to amend the law to increase property insurance protection. Continue Reading California Wildfires Strike Again – A Summary of Changes in the Law to Help Policyholders

Right now, more than 367 fires are burning in California. Many are 0% contained due to rugged terrain and high winds, and hundreds of structures have already been lost. Thousands more are threatened. Cal Fire is stretched thin and has called in resources from out of state. Many of the current fires resulted from thousands of lightning strikes from a coastal pressure storm. The lightning struck areas with extremely dry conditions. An historical heat wave is worsening the problem. Continue Reading California Wildfires: What Can You Do Right Now to Protect Your Rights