Wildfire Roadmap to Recovery: Meeting #1, November 28, 2007Rancho Bernardo Community Presbyterian Church

Networking with Community Leaders, Fire Survivors and State Dept of Insurance after the October, 2007 Firestorm

Wildfire Roadmap to Recovery: Meeting #1, November 28, 2007Rancho Bernardo Community Presbyterian Church

Networking with Community Leaders, Fire Survivors and State Dept of Insurance after the October, 2007 Firestorm

Karen Reimuswww.unitedpolicyholders.org

Upcoming Educational Events

Dec 12th - Insurance (Scopes of loss, Legal issues)Dec 17th - FEMA (Registration, resources)

Beginning January 10th 2008Legal issues (San Diego County Bar Assoc)

Contracts, Prop/Title insurance, AdversePossession, Landlord/tenant

City Building Depts/HOAConstruction/Contracts/Loans

Deadline: Dec 10th to file for reduced property taxes

http://www.sdtreastax.com

Information:Your Best Policy

SoCal 2007 Wildfire Recovery

Information:Your Best Policy

SoCal 2007 Wildfire Recovery

www.unitedpolicyholders.org

About UP

United Policyholders is a not-for-profit charity dedicated to educating you so you get a fair insurance claim settlementWe’re funded by donations and grantsOur online information is all free of chargeUP’s work gets done by volunteers who’ve recovered from prior disasters and knowledgeable, consumer-oriented professionals

Insurance is a vehicle to get you back home

Think of your insurance policy as a car to drive you where you need to go – but remember: it’s not going to drive itself. You paid for it. You’ve got the most at stake in making sure it gets you where you need to go. You need to drive it.

Don’t confuse insurance company ads with reality

Don’t confuse the ads insurers use to sell their products with reality. Your next door neighbor is your neighbor – your insurance company is in business to make money.

Insurance companies are in business

When it’s time for dollars to flow back from your insurer to you, loyalty doesn’t matter -- what matters is documentation, organization and negotiation.

The better you document your losses and stay organized in dealing with your insurance claim, the smoother the process will go.

A three ring binder with storage pouches is a good first step

Good news to remember:

You’re not aloneHelp is available (including UP’s tips, our mentor program, our network of volunteers and our sponsors)You will get through the recovery processSome insurers and adjusters pay what they owe without a fightGetting up to speed on the basics of a large insurance claim will really increase your odds of getting a fair and prompt settlement.

Insurance policies are contracts that give you legal rights

Locate complete and up-to-date copies of all policies on your property and vehiclesCheck the dollar limits on your “Declarations”pagesRead the "Endorsements" (extras) that apply to your policy Do the math yourself -- don’t just take your adjusters’ word on how much coverage you have

Getting started:Even if you think damage may not be covered, notify your agent and insurance company that your property is damaged or destroyed and you are filing a claim.If your home was subjected to extreme heat, tell your insurer to provide you with a thorough inspection from a qualified, independent professional, and write to them that you will file a future claim if hidden damage becomes apparent.

Be polite to your adjuster but be educated and assertive

Keep a diary and jot down communications with insurance company representatives. (Many people refer to this as a “claim diary”).It is important to confirm representations and agreements in writing – even though it seems time-consuming and yet another hassleStay in touch with others who are insured by your same insurance co. to solve common problemsGo up the chain to your adjusters superiorsIf you feel you’re being treated unfairly, take action…

Advice from other disaster survivors:

“Your adjuster may be friendly, but always remember he’s not your friend”K.R., home destroyed in 2003 “Cedar Fire”, rebuilt by summer 2005

Advice from other disaster survivors:

“The information and help I got from neighbors insured with my same company made a big difference to my recovery. By sharing problems and solutions we stayed strong and all came out better”D.P., UP Board member who recovered from a catastrophic loss by working with a group of others insured by the same insurance company that insured his home

Don’t pad your claim

If you lose credibility with your adjuster/insurer, it will delay your settlementInsurance fraud is a crime

State Agency Insurance Help

To locate missing policies or file a complaint about unfair treatment; contact the California Department of Insurance

1(800) 927-HELP

Resist being rushed or pressured

Do not be pressured into a quick settlement A catastrophic insurance claim can take two years or more to get fully and fairly settled

Be careful before signing…

Don’t sign claim forms, checks or drafts that say or imply they are “final” or “full settlement” until you are sure you understand your rights, your coverage, and the full amount of your lossesIf your insurer asks you to sign a claim form before you know how much you’ve really lost, write in “undetermined”

Get independent estimates and opinions on repairs

If insurance company adjusters or contractors offer to settle based on computer-generated or “lowball”estimates, get independent estimates from qualified local builders or construction professionals and read our FAQs.Aim for estimates that can be compared side by side with your insurers’ estimates.

Repair/Rebuilding tips

Insist on "like kind and quality" repairs (e.g. redwood vs. pine, custom vs. standard)

Details add upDon’t accept “lowball” estimates or sub-standard workmanship Your repaired home should have a uniform appearance – don’t accept non-matching itemsCheck out repair professionals before hiring

Contractor overhead and profit

Payment of contractor overhead and profit are standard items that should not be held back by your insurer10% overhead and 10% profit are standard

Contractor scams are very common after disasters

Before you hire a contractor, check their customer references and their license status online with the Contractors State Licensing Board www.cslb.ca.govor call: 1-800-321-CSLB (2752)

Save and submit receipts to get fully reimbursed

Get and save receipts for temporary rent, and “additional” living expenses and replaced items.

Get a manila envelope, keep it handy and use it to store

Be sure you are fully compensated for all expenses, temporary and permanent repairs, and replacement purchases.

Tips on replacing contents

If your adjuster seems to be unfairly depreciating items, remember it’s all a negotiation – even insurers find depreciation confusingSubmit receipts to get reimbursed for the full cost of everything you replaceGet help from stores, friends, and the internet to remember and price lost items

Don’t get “snookered”

Do not do any of the following without first checking with an attorney who has experience representing insurance consumers (policyholders):

1) Sign "releases" or waivers2) Give a recorded statement

Resist high pressure sales tactics by public adjusters and contractors

Do not hire a Public Adjuster (“P.A.”) without carefully checking their license status and speaking with at least two former clients.

P.A.s work only for policyholders – not insurance companies. They are regulated by the CA. Dept. of Insurance and there are CA laws that limit their fees and how they can solicit.

Insurance company adjusters are not required to be licensed.

An overloaded or unethical P.A. can further delay your claim, make matters worse and/or diminish your settlement;

A diligent P.A. can take the weight off your shoulders by fully documenting your claim and negotiating a higher settlement than you’d get on your own;

You paid for coverage and good claim service.

The premiums you paid entitle you to coverage for losses and good service and you should not have to hire professional help to get a claim paid fairly. United Policyholders offers free, "road-tested" tips and information and support to help you be your own best advocate in getting the full benefits of your insurance coverage. However, if you suffer a major loss involving a large sum of money, you may need to hire professional claim help to get a full and fair settlement. Insurance companies have expert lawyers and claim professionals on their side. You are entitled to the same.

Advice from other disaster survivors…get educated!

“Thanks to what we learned from United Policyholders, we negotiated a settlement with our insurer and avoided a lawsuit”S.R., home destroyed in 2003 Aspen Firestorm outside Tucson, AZ., rebuilt by spring 2005

“We needed a lawyer. With UP’s tips we hired the right one. We settled with the insurance company in a mediation, and now we’re rebuilding and moving on”P.T., Florida resident recovering from Hurricane Ivan

Get the right lawyer if you decide you need one

If you decide to hire professional help, contact at least two former clients, ask direct questions and check the professional’s license and insuranceInsurance is a specialty. Don’t hire a lawyer unless he or she has hands-on claim experienceVisit UP’s site, read our tips on hiring professional helpVisit the “Find Help/Our Sponsors” section of our website to find professional help in your area

For More Information:

Get a free copy of the Disaster Recovery Handbook and Household Inventory Guideby emailing info@unitedpolicyholders.org, and put “book request” in the subject lineVisit UP’s website and search for more claim tips, articles and helpful info at:

www.unitedpolicyholders.org

Introduction

Tony CignaraleDeputy Chief for the California Department of Insurance

Introduction

Adam Richardson2003 Cedar Fire Survivor and Founder,North Pomerado Recovery Group

Introduction

Jan Rasmussen2003 Cedar Fire Survivor,Fired Up SisterRBCPC Fire Recovery Ministry

Importance of NetworkingCommunity networking groups - Advocacy Groups: Fired up Sisters and United Policyholders Insurance

Registering as a fire family with RebuildingRB.comRebuildingRB.com vs RebuildRB.com

Form your own rebuilding email group based on neighborhood, school, or HOA affiliation, or even the contractor you rebuild with RBCPC Liaison program (swoodley@rbcpc.com)

Valerie Brown

RB fire recovery website: RebuildingRB.Com

Nov 28, 2007

Renee VanHeelRVanheel@San.RR.comKathryn HomerTheHomers@SBCGlobal.net

"Fired Up Sisters" founders

Nov 28, 2007