On Thursday night, California Insurance Commissioner Ricardo Lara issued a mandatory one-year moratorium to protect insurance coverage for homeowners in areas affected by the Palisades and Eaton fires.
This suspension will prohibit insurance companies from non-renewals or cancellations until January 7, 2026.
Lara said in a statement that the rule applies to all homeowners within the boundaries or adjacent ZIP codes of the two fires in Los Angeles County, regardless of whether they suffered a loss or not.
“For anyone who survives a devastating fire, losing their insurance should never be a consideration,” Lara said. “This legislation gives millions of Californians some breathing room and hits the pause button on insurance non-renewals while people recover.”
Officials said residents can visit the Department of Health’s website to find out if their ZIP code is included in the suspension.
Additionally, if homeowners believe their insurance company is violating this law, they are encouraged to contact the department at 800-927-4357 or by chat or email at insurance.ca.gov. Recommended.
“As firefighters continue to battle wildfires across the region, additional ZIP codes within or adjacent to the fire perimeter are subject to the state of emergency declared for Los Angeles and Los Angeles. If found, the department may issue a supplementary bulletin,” the statement said. Ventura County. ”
The department also provided the following list of tips for consumers during this time:
Keep all receipts during evacuation. Insurance policy provisions, including deductibles, vary by company, so residents should contact their insurance company or agent as soon as possible to confirm coverage, limits, other limitations and documentation requirements. Most renters insurance policies usually include ALE coverage as well. Document the date, time, and name of the insurance company employee you spoke to about your insurance. Consumers should check online with the Department of Insurance to determine whether the insurance agent or public adjuster providing their services has a valid license. Download the Department’s Top 10 Tips for Wildfire Claimants (also available in Spanish, Chinese and Vietnamese), which includes information on claiming ALE benefits. Under current law, public adjusters cannot solicit business for seven calendar days after a disaster. Don’t forget to take a copy of your insurance policy, important documents, and an inventory of photos and videos of your belongings. Inventory management can be completed quickly and easily on your smartphone and stored securely in the cloud.
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