November 14, 2018
If you didn’t lose your home, these fires are a startling reminder of the importance of being properly insured.
In fact, advocacy group United Policyholders says two-thirds of wildfire victims are under-insured by more than $100,000.
Here are tips for making sure you’re protected.
First, make sure you’re fully covered by insurance. You don’t want to rely on FEMA -- that’s a needs-based...
November 13, 2018
Californians who lost a home to the state’s wildfires could face a nightmarish recovery as they try to rebuild.
It’s always a challenge to recuperate after any disaster, but California residents face a unique problem. Experts say the seemingly endless series of devastating wildfires in recent years has increased costs and limited the available pool of workers needed to rebuild.
November 13, 2018
Consumer advice: There are many ways policies fall short of what homeowners actually lose.
The vast majority of California homeowners have insurance that covers fire damage. But that doesn’t mean they can breathe easy.
Property insurance lawyers say it’s not uncommon for some insurers to do everything possible to minimize payouts, especially after catastrophic blazes such as the ones now raging...
November 12, 2018
The vast majority of California homeowners have insurance that covers fire damage. But that doesn’t mean you can breathe easy.
Property insurance lawyers say it’s not uncommon for insurers to do everything possible to minimize payouts, especially after catastrophic blazes such as the ones now raging in Northern and Southern California.
“In a mass loss, they’re looking at their overall payments...
November 4, 2018
The race for California insurance commissioner this year has taken on greater importance for North Bay residents, after many have found themselves with homes underinsured as a result of last year's wildfires.
And reforms to overhaul homeowner insurance regulations to provide more ways to help fire victims were mostly thwarted in the Legislature this year as a result of strong insurance industry...
November 1, 2018
It’s been 12 months since Madonna Day’s home burned down in the North Bay wildfires.
“I miss it so much,” she said. “My whole life’s treasures and memories are gone to ash.”
She and her daughter Marie-Louise Clark are eager to rebuild the farmhouse they called "Middle Earth." But there’s no sign of construction. The lot remains empty.
“I can’t replace it,” Day said. “They haven’t come through.”
October 30, 2018
NAPA, Calif.(KTVU) - A joint hearing of the state Assembly and Senate Insurance Committees took place at Napa Valley College on Tuesday. The hearing comes after many key proposed reforms, were defeated in the Legislature.
The hearing explored if homeowner's insurance coverage actually meets the reality of rebuilding a home in Wine Country. The hearing was aimed mostly at real or perceived wrongs...
October 15, 2018
It was just one year ago when Tricia Woods lost her home in a single, impossible instant.
The Tubbs fire, the most destructive wildfire in California history, had ripped through Sonoma County and incinerated more than 5,500 homes, including the middle school teacher’s own four-bedroom house in the Coffey Park neighborhood of Santa Rosa.
That night, from an evacuation center at her daughter’s...
October 12, 2018
Properties classified as "partial loss" sometimes become the object of intense disagreement between homeowners and insurers
BLACK FOREST — At first, Nancy Trosper could hardly believe her good fortune. Although she initially heard that her house had burned to the ground in the disastrous 2013 Black Forest fire, the report proved erroneous.
When she saw it still standing, and authorities finally...
October 10, 2018
So many people living in the North Bay counties of Napa, Sonoma and Mendocino had their lives changed one year ago. Our friends and neighbors in Lake County had endured an unprecedented firestorm two years earlier in their area; the October 2017 fires were a repeat of that, times four.
For me, dealing with disaster recovery had been a personal focus since 2008, when ABAG (Association of Bay Area...