The insurance commissioner announces 100% for coverage B, not documentation.
Give this letter to your insurer along with Notice at the end.
Dear _____________,
We are writing to ask for payment of 100% of our Contents/Personal Property coverage limit, without any further itemization, pursuant to the Insurance Commissioner’s Notice dated February 6, 2025. The Notice is attached for your reference.
As you know, our home and a lifetime of possessions were destroyed on January 7, 2025. We are cooperating fully with your company and have provided all the information you’ve asked for so far. Every single item that was in our home, from the smallest to the largest, is gone. We lived in our home for ______years. (insert a sentence or two that helps the reader understand just how many different items were in the home).
The experience we are going through is emotionally and financially devastating. Your company placed a total insured value on the contents of our home at [$ insert policy limit]. We realize your company has loss documentation procedures that are designed to deter fraud. We understand you generally require claimants to submit a detailed inventory. In light of our circumstances, and the Insurance Commissioner’s Notice, requesting that insurance carriers provide up to 100% of contents coverage to fire survivors without itemization, we are asking you to waive your requirements in our case.
On these grounds, we are asking for complete payment and settlement of our Contents claim without delay.
The time and struggle of recalling the thousands of items we lost in the fire is acutely painful and seems unnecessary.
Surveys of previous wildfire disaster survivors confirm that many insurers have waived this itemization requirement in past fires. With the Insurance Commissioner’s timely Notice to all carriers on February 6, specifically calling upon you to waive the itemization requirement and pay out policy limits on our personal property, we are hopeful that you will comply and make payment soon.
Sincerely,
Policyholder Name
Notice:
