Question 1

My insurance company is refusing to give me a copy of my policy. What should I do?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 2

My insurance company is refusing to turn over photos that their adjuster took. What should I do?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 3

The insurance company said they can't talk to me now that I have a Public Adjuster. Is that true?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 4

The insurance company said that I have to get three bids. Is that true?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 5

The insurance company said I only have one year to file a lawsuit, but they took 14 months to adjust my claim. Is that true?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 6

The insurance company heavily depreciated my claim — about 30%. They depreciated wood framing, concrete slab, and it looks like they depreciated labor too. Did they do it correctly?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 7

The insurance company said my Louis Vuitton purse was really old and they were doing me a favor by only putting 70% depreciation on it. Did they do that correctly?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 8

The insurance company said I can't recover depreciation by building my new home in a new location. Is that true?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 9

The insurance company said that if I don't replace my wallpaper, I will be committing a crime. Is that true?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 10

The insurance company said I ran past the time to do repairs and therefore I'm not entitled to the recoverable depreciation. Is that true?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 11

The insurance adjuster is pressuring me to use a contractor sent by the insurance company. What should I do?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 12

The insurance company said I have to use their recommended contractor or else my claim will be denied. Is that true?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 13

The insurance company sent over a contractor who told me confidentially that the loss was at least $80,000 but he was going to write a $50,000 estimate, and only if I hired him would he increase it by an additional $30,000 later on. Is this the correct way to handle my claim?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 14

Can I manage the project myself and still get paid the general contractor overhead and profit?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 15

Can I get reimbursed for various expenses during the time my house is uninhabitable? What is the definition of uninhabitable?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 16

Am I going to get paid for giving my tenants money when the apartment building is damaged and my tenants have to go to a hotel?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 17

What if I can't remember what items I had that were burned up in the fire?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 18

The insurance company says they want me to sit for an examination under oath and I already spent eight hours answering their questions. Now they want me to come back a second time. Are they allowed to do this?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 19

The insurance company said my girlfriend has to show up for an examination under oath, but she doesn't even live with me. Can they do this?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 20

The insurance company said my elderly mother has to sit for an examination under oath even though she has dementia and she's nonverbal in a nursing home. Is that true?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 21

The insurance company told me that mold indicates the loss is long-term and therefore they're not paying for my water damage. Is that true?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 22

My restoration contractor came and dried out the property and cleaned up some mold. Their total bill was over $20,000 and the insurance company says they'll only pay $5,000 under the mold limit. What should I do?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 23

The insurance company said I failed to report the claim timely for my vacation home, but the tree is still sitting there crushing the roof. I didn't know about it until recently. Can they deny my claim?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 24

I repaired the damage right away but I took photos. Can the insurance company deny my claim?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 25

Do I need to hire a Public Adjuster if the amount of loss is way over the policy limit?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 26

How do I know whether I should handle my claim myself, hire a Public Adjuster, hire an attorney, or get help from an expert contractor?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 27

How is a personal property inventory prepared, and what's the difference between cleaning contents, total loss contents, and pack-out/storage?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 28

My house was a total loss and the policy limit was $500,000. The insurance company gave me $499,000 because they subtracted the deductible. Is that correct?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 29

Why is a mortgage company's name on my building repair check?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 30

The insurance company said that my contaminated home isn't actually damaged and that they don't pay for toxic contaminants like mercury and arsenic found all over my walls and floors. Is this true?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 31

The insurance company's adjuster said he's "on my side" and will make sure I'm taken care of. Can I trust that?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 32

The insurance company gave me an offer. Is the first offer they give me the final amount I can receive?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 33

If I file a claim, will my insurance rates automatically go up or will I be dropped?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

Question 34

The insurance company denied my claim and said the decision is final. Do I have to accept that?

Accepted Answer

For detailed guidance on this question, visit InsuranceClaimsInfo.com/faq. This answer is provided by a California Licensed Public Adjuster and covers California insurance law and regulations including the Fair Claims Settlement Practices Act (10 CCR 2695) and Insurance Code Section 790.03. Consult a Public Adjuster or attorney for advice specific to your claim.

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