“These families have endured unimaginable loss and pain,” said Insurance Commissioner Dave Jones. “I’m asking insurers to ease their burden by providing up to 100 percent payment for contents coverage without the onerous requirement of a detailed home inventory, so they may get on with rebuilding their lives.”
The notice, issued today to insurers, comes after the department held a claims workshop in Santa Rosa on December 9 and heard from several hundred policyholders that they were burdened with insurer requirements for detailed home inventories in order to receive payment for personal property coverage.
The notice, does point out that the department is aware and applauds the efforts of some insurers that have gone above and beyond the Voluntary Expedited Claims Handling Procedures and have made significant efforts to accommodate insured by offering, in some cases, up to 100 percent contents limits payment without an inventory.
While Jones applauds these efforts to put insured first, he is requesting all other insurers follow suit by providing similar accommodations and is asking insurers to notify the department by January 8, 2018 whether they will comply. Those insurers offering an amount less than 100 percent should allow policyholders the ability to recover additional benefits, if the policyholder subsequently completes a full inventory.
The department advises policyholders already working with a claims adjuster to develop a settlement plan that best serves their needs, which may include taking the time to complete a home inventory.
Original post on sonomacountyrecovers.org