June 22, 2010
SAN DIEGO -- Lee and Shirley Taylor aren't alone. They are victims of the October wildfires that destroyed their Ramona home. They're also underinsured. "That was our request, insure us against total loss," said Lee Taylor. He said his agent handed him a 108-page insurance policy he believed fully insured his home and 8-acre avocado farm. After the fires, he learned that wasn't the case and he...

June 22, 2010
Victims of last October's wildfires gathered for a news conference in Rancho Bernardo on Wednesday, asking for help from Insurance Commissioner Steve Poizner. Many say they have not resolved their claims with their insurance companies because they were grossly underinsured. "He needs to follow through on his promise to all of us who are underinsured through no fault of their own," demands...

June 22, 2010
Homeowners' policies not covering costs of rebuilding This story has been modified since its original posting.   RANCHO BERNARDO ---- Stan Newman and about two dozen others who lost their homes in last year's Witch Creek fire complained Wednesday they had made almost no progress toward rebuilding because their insurance companies were refusing to cover all the costs. Only after their homes...

June 22, 2010
San Diego County residents, saying they were misled into believing they had enough coverage, urge the state insurance commissioner to take action. Insurers say it's not a severe problem.   Reporting from Sacramento -- As a wildfire sparked evacuations in Southern California on Wednesday morning, victims of a blaze that destroyed 1,600 homes in San Diego County a year ago complained that they...

June 22, 2010
California's insurance commissioner has ordered his auditors to examine how insurance companies handled claims from last year's devastating wildfires amid allegations from homeowners that some insurers misled them about how much coverage they needed. “We'll be looking for patterns of behavior by insurance companies, of stalling, not paying claims fully and putting up barriers,” Insurance...

June 22, 2010
After his Fallbrook home was destroyed in the 2007 wildfires, Richard McDonnell realized that his friends didn't understand his sense of loss, the grieving for destroyed heirlooms or the frustration over the the slow rebuilding process. Then McDonnell, 63, began attending the weekly group meetings at the Fallbrook Recovery Center, where he met fellow fire survivors. “There's a kind of lifeboat...

June 22, 2010
Mississippi Insurance Commissioner Mike Chaney needs to do a better job for consumers, two national organizations have concluded, but Chaney said Wednesday night that he he has "a full platter." The Consumer Federation of America says the Insurance Department's Internet site does an inadequate job of giving consumers information that would help them save money on insurance, find the best home...

June 22, 2010
Group that learned from the '91 Oakland blaze provides step-by-step help for rebuilding your life. Even though Southern Californians have endured countless disasters, they rarely are prepared when one hits them. Amy Bach, a San Francisco attorney, has spent her career helping people recover from disasters. She serves as executive director of United Policyholders, a non-profit, tax-exempt...

June 22, 2010
Industry observers say damage payouts shouldn't pose any difficulty, but the weak global economy could lead to eventual premium increases. Once again, thousands of Southern Californians reeling from days of destructive wildfires have been forced to exercise the home insurance policies they hoped they would never have to use. That it comes at a time of global financial crisis raises a new set of...

June 21, 2010
Young adults are one of the largest groups that lack health care coverage in the United States. With the new health care reform bill going into effect in a few months, dependents under the age of 26 will be able to be added onto their parents health care policy even if they're married, have a pre-existing health condition or are no longer in college. But some may have to wait an entire year to...