Zoomerang Survey Results

2007 WILDFIRES INSURANCE CLAIM STATUS & RECOVERY SURVEY
Response Status: Completes
Filter: No filter applied
Jan 26, 2010 3:43 PM PST
1. Was your dwelling damaged or destroyed as a result of the October 2007 wildfires in San Diego and San Bernardino counties?
1   Damaged
6 3%
2   Destroyed
174 97%
Total 180 100%
Mean Median Mode Range Standard Deviation Standard Error Confidence Interval
@ 95%
1.97 2 2 1 0.18 0.01 [1.94 - 1.99]
2. Did you have insurance on your dwelling and/or property?
1   Yes
174 97%
2   No
6 3%
Total 180 100%
3. What is the name of your insurance company?
1   AAA
13 7%
2   Allied
6 3%
3   Allstate
20 11%
4   AMICA
2 1%
5   Century National
1 1%
6   Encompass
3 2%
7   Farmers
18 10%
8   Fidelity
4 2%
9   Firemans Fund
1 1%
10   The Hartford
3 2%
11   Liberty Mutual
8 5%
12   Lloyds of London
2 1%
13   Mercury
3 2%
14   Residence Mutual
2 1%
15   Safeco
1 1%
16   State Farm
37 21%
17   Travelers
5 3%
18   Wawanesa
7 4%
Other, please specify
38 22%
Total 174 100%
Mean Median Mode Range Standard Deviation Standard Error Confidence Interval
@ 95%
9.63 9.5 16 17 5.99 0.51 [8.63 - 10.64]
4. Have you settled the dwelling portion of your claim to your satisfaction?
1   Yes
123 71%
2   No
51 29%
Total 174 100%
5. If so, when?
1   N/A
39 22%
2   November 2007
3 2%
3   December 2007
4 2%
4   January 2008
3 2%
5   February 2008
8 5%
6   March 2008
5 3%
7   April 2008
14 8%
8   May 2008
9 5%
9   June 2008
2 1%
10   July 2008
5 3%
11   August 2008
4 2%
12   September 2008
6 3%
13   October 2008
5 3%
14   November 2008
4 2%
15   December 2008
7 4%
16   January 2009
9 5%
17   February 2009
7 4%
18   March 2009
6 3%
19   April 2009
3 2%
20   May 2009
5 3%
21   June 2009
3 2%
22   July 2009
1 1%
23   August 2009
10 6%
24   September 2009
12 7%
Total 174 100%
Mean Median Mode Range Standard Deviation Standard Error Confidence Interval
@ 95%
10.63 9.5 1 23 7.86 0.60 [9.46 - 11.80]
6. Is the amount sufficient to rebuild your home?
1   Yes
92 53%
2   No
64 37%
3   Have not yet settled
18 10%
Total 174 100%
Mean Median Mode Range Standard Deviation Standard Error Confidence Interval
@ 95%
1.57 1 1 2 0.67 0.05 [1.47 - 1.67]
7. Were you underinsured?
1   Yes
114 66%
2   No
60 34%
Total 174 100%
8. If yes, by approximately how much?
174 Responses
9. Are you planning to buy, or have you bought, a replacement home instead of rebuilding?
1   Bought
28 16%
2   Planning to Buy
10 6%
3   Rebuilding
136 78%
Total 174 100%
Mean Median Mode Range Standard Deviation Standard Error Confidence Interval
@ 95%
2.62 3 3 2 0.75 0.06 [2.51 - 2.73]
10. If you have bought or plan to buy a replacement home instead of rebuilding, please explain how you and your insurer settled on a dollar amount of benefits available toward the purchase.
38 Responses
11. Did your insurer agree to pay the full amount it would have cost to rebuild your destroyed home, including code upgrades, and applying all coverage extensions, endorsements, etc. toward the purchase price of a replacement home?
1   Yes
18 47%
2   No
20 53%
Total 38 100%
12. Did your insurer try to deduct land value from the home purchase? 
1   Yes
8 21%
2   No
30 79%
Total 38 100%
13. At any time during the claims process, did you file a formal complaint (Request For Assistance) with the California Department of Insurance?
1   Yes
49 28%
2   No
125 72%
Total 174 100%
14. If you filed a formal complaint (RFA) with the California Department of Insurance, please describe the status or outcome.
65 Responses
15. Are you worried that you are going to run out of Additional Living Expenses (ALE) benefits before you repair/rebuild/replace your home?
1   Yes
44 25%
2   No
130 75%
Total 174 100%
16. Do you believe you have enough insurance coverage on your home's "contents" to replace everything you lost?
1   Yes
72 41%
2   No
102 59%
Total 174 100%
17. Did your insurer ask you to give back ALE or any other policy benefits paid to you?
1   Yes
10 6%
2   No
164 94%
Total 174 100%
18. Did your insurance company require you to itemize all your belongings in order to be fully reimbursed for your Personal Property/Contents loss?
1   Yes
122 70%
2   No
52 30%
Total 174 100%
19. If yes, have you finished your home inventory?
1   Yes
99 76%
2   No
32 24%
Total 131 100%
20. Would you recommend your insurance company?
Top number is the count of respondents selecting the option. Bottom % is percent of the total respondents selecting the option. No
Maybe
Yes
Before your loss 9
5%
43
25%
121
70%
After your loss 62
36%
32
18%
79
46%
Mean Median Mode Range Standard Deviation Standard Error Confidence Interval
@ 95%
Before your loss 2.65 3 3 2 0.58 0.04 [2.56 - 2.73]
After your loss 2.10 2 3 2 0.90 0.07 [1.96 - 2.23]
21. Below is a list of insurance problems that some claimants experience after a total loss due to a natural disaster.  Please check all that apply to you:
1   Failure to perform a thorough investigation
39 32%
2   Delays providing you a complete copy of current policy
28 23%
3   Delays paying ALE & other funds
46 38%
4   Delays in responding to requests for information
53 43%
5   Lowballing
93 76%
6   Use of biased experts
47 39%
7   Unreasonable reliance on ambiguous policy exclusions
41 34%
8   Abusive interrogation/claim practices
25 20%
9   Insistence on using their contractors
11 9%
Other, please specify
50 41%
Mean Median Mode Range Standard Deviation Standard Error Confidence Interval
@ 95%
4.64 5 5 8 2.09 0.11 [4.43 - 4.85]
22. Any additional comments?
95 Responses
23. Contact Information (Optional)
111 Responses
Thank you for your participation.