California gets new law regarding coverage for fires

Wild fires are an ongoing topic of concern and conversation for many of us here in the west. Nowhere more so than in California where the heat index has recently been Arizona-like. The wheels of justice turn slowly, but they seem right on time now that California Governor Jerry Brown signed new legislation that requires insurance carriers to inform homeowners if their policies enable them replace or rebuild their home after a disaster involving wild fire.

Standardized information

According to insurancejournal.com, the new bill falls under the heading of consumer protection and the idea is to combat underinsurance issues many Californians discovered after the devastating wildfires in 2017.

The bill (listed as AB 1799) standardizes the information that insurance companies are legally required to provide to its policyholders if they become victims due to fire. The bill also requires carriers to provide additional information to enable customers to understand the coverage of their policy. This includes any endorsements to the policy as well as the declarations page of the policy.

Get what you paid for

One of the major concerns of policyholders is the nightmare scenario that played out in California. They thought they paid for coverage, only to realize that the policy didn’t cover what they thought.

If you have concerns about the language of your policy, it is wise to speak with your carrier’s representative. If the answers about a policy or claim are not satisfactory, it is often best to speak with an attorney who handles insurance claim disputes. There are many laws that regulate the insurance industry, and attorneys can help policyholders get what they legally deserve.

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