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

In 2017 and 2018, California experienced devastating wildfires, during which thousands of structures, homes, and businesses were destroyed. California insurers scrambled to adjust the thousands of claims but it was quickly recognized that they were not prepared to timely handle losses due to a large-scale natural disaster. The California legislature responded, enacting several amendments to the law extending the time policyholders had to collect additional living expenses and replacement costs.
Continue Reading Has the Statute of Limitations Passed To File A Lawsuit On My California Wildfire Claim?

The Kincade Fire recently burned nearly 80,000 acres of Northern Sonoma County with smoke traveling far and wide. Our incredible firefighters from across the country teamed up to bring this emergency to 100% containment with only 300 structures destroyed. Compare that to several thousand structures destroyed in the Tubbs and Atlas Fires in 2017 and the devastatingly sad Camp Fire which cost so many lives last year.
Continue Reading What California Wineries with Wildfire Insurance Claims Need to Know

Many insurance companies thought they would have to pay no more than $5,000 for each California wildfire claim but are ending up paying hundreds of thousands if not millions.
Continue Reading Now That Insurers Can’t Legally Enforce Their $5,000 Wildfire Smoke Damage Caps, What Have They Done To Make Up For Their Unanticipated Losses?

Dave Jones, California’s insurance commissioner, has declared an emergency situation following the Camp and Woolsey wild fires. This will allow insurance companies to use out-of-state adjusters, in an attempt to handle the large volume of claims resulting from the fires.
Continue Reading California Issues an Emergency Declaration, Allowing Insurance Companies To Use Out-Of-State Adjusters

Most homeowners and commercial insurance policies contains exclusions for loss or damages caused by mudflow or other similar occurrences. An example of on such exclusion is included below:

b. Earth Movement and Settlement, meaning earthquake, which includes land shock wavers or tremors before, during or after a volcanic eruption; landslide; mudflow; sinkhole; earth sinking, rising or shifting; clay shrinkage or other expansion or contraction of soils or organic materials; decay of buried or organic materials; setline cracking or expansion of foundation;


Continue Reading California Mudslide Exclusions Unenforceable Where Wildfires Caused Slide

Southern Californians impacted by the mudslides that followed the devastating wildfires in Ventura and Santa Barbara may see some light at the end of the tunnel with the big question of whether insurers will cover their mudslide loss. Over the last few week Californians have lost their homes when the rains brought homes down from the mountainsides ravaged by fire. With the vegetation gone, the hills and mountains simply could not hold during the heavy rains and mud flowed downhill at 20 miles per hour at what witnesses can only call a “wall of mud” that consumed homes and lives within its path. For many, this meant losing all worldly possessions when their houses slid down the hillside and were buried in mud. Even the ability to rebuild in the area is a question for many.
Continue Reading California Department of Insurance Provides Notice that Mudslides are Covered Losses

California State Insurance Commissioner Dave Jones recently posted a bulletin urging insurance companies to provide North Bay fire victims up to 100% of their personal property coverage limits by not requiring the insured to fill out a detailed inventory.
Continue Reading California State Insurance Commissioner Issues Helpful Bulletin for Insureds