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LA Fires,
Insurance

Jan. 14, 2025

Emergency-specific property insurance rules: Key state laws for wildfire recovery

In the wake of the Southern California wildfires, property owners filing insurance claims should know California laws offer expanded coverage options, including combined dwelling/structure limits, relaxed personal property documentation, extended loss-of-use benefits, and protection against policy cancellations, with state and federal aid available for those uninsured or underinsured.

In the wake of the destructive fires that raged across the Southern California foothills, property owners will soon need to think about rebuilding or repairing their homes. For most, the first step will be filing claims under their property insurance policies. Whether they have private insurance or a policy through the California FAIR Plan, policyholders should be aware of significant California laws and guidance from the Department of Insurance that may impact their rights t...

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