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9/27/19

State Farm, Nationwide, Allstate, Liberty Mutual/Safeco, and other Insurance Companies Are Cutting Off Access to Insurance Benefits for Thousands of Fire Survivors

Fire Survivors Need Their Insurance Coverage to Rebuild.

Fire Survivors:
TAKE ACTION to Retain Access to Your ALE / Loss of Use coverage.

California Residents:
RAISE YOUR VOICE to motivate State Farm, Nationwide, Allstate, Liberty Mutual/Safeco, and other insurers to do the right thing and
agree to extend access to the insurance benefits that
fire survivors need—and paid for. 

* * * Standing up for fire survivors helps protect all insurance consumers * * *

All Californians, not just disaster survivors, need protection from insurers because fires and other catastrophic events (in addition to earthquakes and floods) are our “new normal.”


Fire Survivors Take Action:  

  • Call the California Department of Insurance 1-800-927-4357 to ask any question or to file a Request for Assistance (Still rebuilding but losing your ALE? Did your landlord receive a notice to vacate but you weren’t informed? The Dept of Insurance also welcomes any question you may have about your claim)

All of Us Raise Our Voices:

  • Tweet pictures of the rally, of the devastation, of your beautiful families, and tag insurance companies 
  • Sign and Share the Petition
  • Call or write your State Legislator.  This affects all Californians. 

You Are in Good Hands—YOURS.
Take Action to Protect Your Families.


Contact Your State Legislator:


Phone calls are the strongest form of communication, more so than letters, emails, or petitions.

Sample Phone Message (or use as a sample for a letter or email):  

I am calling because insurance companies like State Farm, Nationwide, Allstate, Liberty Mutual/Safeco, and others are cutting off the loss of use coverage that fire survivors [like my family] need–and paid for–to rebuild.

<Briefly tell your personal story if desired>

Thousands of fire survivors are reasonably requesting continued access to our/their loss of use coverage beyond 24 months after the catastrophic 2017 and 2018 fires and other disasters. [We] Fire survivors need this coverage to live in temporary homes while rebuilding.  It takes more than 2 years to build 5,000 homes.  

State Farm, Nationwide, and other insurance companies are unreasonably choosing to deny their customers continued access to the insurance they paid for.  They need to follow the example of Farmers and AAA, who are allowing their customers continued access to the insurance coverage they need to rebuild their homes and their lives. 

Although the 2017-2018 disasters paved the way for the California Legislature to extend ALE coverage for disaster survivors to at least 36 months, 2017 and 2018 disaster survivors prior to the 2018 Camp Fire do not benefit from the very legislation they inspired.

Please take action to motivate State Farm, Nationwide, and all other carriers to provide their customers–who are diligently trying to rebuild–with continued ALE coverage to pay for temporary housing.

Legislators will take phone calls and mailed paper letters from citizens outside their district,
but generally not emails from citizens who are not their constituents. 
Find your State Legislator:  http://findyourrep.legislature.ca.gov/


Sample Letter or Email:  

[Edit and Customize as Needed]

The Honorable <Insert Full Name>
California State <Assembly or Senate>
1303 10th Street, Room <insert number>
State Capitol
Sacramento, CA  95814

Re:  Access to Additional Living Expense/Loss of Use Insurance Coverage for Wildfire Survivors

Dear Senator or Assemblymember <insert name>,

I am writing to request that the California legislature support the Department of Insurance in helping fire survivors maintain access to their Additional Living Expense/Loss of Use Insurance Coverage (“ALE”) beyond 24 months from the date of loss.

The 2017 Northern California Fire Siege was one of the most destructive and deadly catastrophes in American history, resulting in the heretofore unprecedented destruction of over 5,000 homes and the tragic death of 44 neighbors. 2017 fire survivors are working hard to rebuild as fast as possible. But it takes a long time to rebuild 5,000 homes–much more than two years.

Despite the well-known logistical and seemingly boundless obstacles on the road to recovery, some insurance companies not only contribute to the delays with their onerous claims processes but then refuse to allow disaster survivors to continue to access the ALE they need to pay for temporary housing while they rebuild. 

State Farm, Nationwide, and other carriers have not treated their clients equitably nor will they admit that 24 months is a minimum and nothing prevents them from extending ALE except corporate greed. In fact, other carriers have demonstrated the insurance industry’s ability to choose to continue their customers’ access to the coverage they need–and paid for.

<Insert your personal story if desired>

Although the 2017-2018 disasters paved the way for the California Legislature to extend ALE coverage for disaster survivors to at least 36 months, 2017 and 2018 disaster survivors prior to the 2018 Camp Fire do not benefit from the very legislation they inspired.

Thousands of disaster survivors losing ALE will further slow down the recovery of our communities, including economic recovery. Sonoma County and other fire-devasted counties will lose more property tax revenue and may lose more residents.  

Please take action to motivate State Farm, Nationwide, and all other carriers to provide their customers–who are diligently trying to rebuild–with continued ALE coverage to pay for temporary housing. 

Thank you for your public service.

Sincerely,

[SIGNATURE]

 

Full Name
Mailing Address:
Address of Lost Property, if applicable:

[Elected Officials give more weight to constituents who provide their full name and address].

Legislators will take phone calls and mailed paper letters from citizens outside their district, but generally not emails from citizens who are not their constituents. 

Find your State Legislator:  http://findyourrep.legislature.ca.gov/

California Department of Insurance:  http://www.insurance.ca.gov/01-consumers/140-catastrophes/WildfireResources.cfm

California Governor:  https://govapps.gov.ca.gov/gov40mail/

California Lt Governor:  https://ltg.ca.gov/contact/

California Attorney General:  https://oag.ca.gov/contact

Find your California Legislator:  http://findyourrep.legislature.ca.gov/

Sonoma County Board of Supervisors:    http://findyourrep.legislature.ca.gov/

Santa Rosa City Council:  https://www.srcity.org/1322/City-Council

 

* * * * *

Neighbors Together ~ Strong & Resilient (NTSR) does not provide any advice or endorse any service provider or agency. 

October 2017 Northern California Firestorm: Tubbs Fire in Santa Rosa: Coffey Park; Fountaingrove (Hidden Valley Estates (HVE) is lumped with FG); Larkfield-Wikiup-Mark West-Riebli; Rincon Valley-Deer Trail-Calistoga Rd; Bennett Ridge (Nuns/Annadel Fire) . . . See more . . . »

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