67% of 2017 Northern California Wildfire Insurers are extending access to ALE. These companies include
Farmers, CSAA/AAA, Liberty Mutual/Safeco, Travelers, USAA.
But State Farm, Nationwide, Allstate, Grange, & 9 other carriers, who together represent 1000+ insureds in the 2017 wildfires, cut off access to the insurance coverage their customers paid for.
Is your insurer doing the right thing? See the full list from the California Department of Insurance:
The 13 insurance companies who said no (or have not responded) to extended access to ALE have approximately 42% of the total loss claims in the 2017 Northern California Wildfires. There were over 5,000 homes destroyed in just the Sonoma Complex portion of those fires.
See the California Department of Insurance’s press release here: http://www.insurance.ca.gov/0400-news/0100-press-releases/2019/release079-19.cfm
ALE is Additional Living Expense. This is part of most homeowner’s insurance policies. ALE pays for rent while fire survivors are rebuilding.
While rebuilding, fire survivor insurance customers:
- are still paying for insurance on their burned out or in-construction lots
- many (most) are also paying their pre-fire mortgages on their destroyed homes
- many (most) are also paying current construction loans to pay for rebuilding (most fire survivors in Sonoma County are underinsured).
Despite a record-breaking rebuild rate, less than 20% of the 5,000+ destroyed homes have been rebuilt in the 2 years since the October 2017 Sonoma Complex Fires.
State Farm, Nationwide, Allstate, Grange (and 9 other insurance carriers’) fire survivor insureds are not asking for increased coverage. They are simply asking to continue to access the ALE coverage they paid for, up to their policy limits.
This lack of customer service is just one more blow from many of these insurance companies (forcing underinsureds to complete a detailed inventory of their TOTAL losses; onerous and capricious claims handling; repeated egregious lowballing of rebuild costs and contents valuation).
- Liberty Mutual/Safeco
- State Farm
- The Hartford