Health Agent Insurance Coverage Guidelines

Finding the best health insurance coverage (Health Agent Insurance Coverage Guidelines) for your clients can give you peace of mind that you have provided the best service and that your clients will be happy with their plan and coverage. Part of this puzzle is knowing if your clients qualify for premium assistance and which options are open to them.

These  Guidelines provided by CoveredCA for the 2016 enrollment year, till March 2017. 

Income Guidelines Chart (use through March 2017)

health agent insurance coverage guidelines

health agent insurance coverage guidelines

 

 

 

 

 

 

 

 

Each year before open enrollment CoveredCA provides an updated list of the Income Guidelines which shows the premium assistance offered to those qualifying. Provided in an easy to follow chart you can use online or in a printed format.

 

Chart directions: You may be eligible for Medi-Cal or Low-Income Health Plan. Whether you qualify for financial assistance depends on your household income and family size. See the charts below to help determine if you qualify for financial help. This chart is the Federal Poverty Level Guidelines for the 2016 Benefit Year. View the chart to help determine if you qualify.

Amend Your California Tax Return to Claim CalEITC

Did you find out you were eligible for the California Earned Income Tax Credit after you filed your taxes? Good news, you can still get this cash-back credit.

Link to website: http://caleitc4me.org/amend-california-tax-return-claim-caleitc

There are 2 ways to claim the credit by amending your tax return completing Form 540X and enter information on Line 25:

1: GET HELP

Go to your preparer and request to file an amended return.

Even though it is past April 18, free tax preparation sites are still open in neighborhoods across the state. To find one, visit our Free Tax Prep Finder and enter your zip code.

2: DO IT YOURSELF

Download and complete Form 540X yourself:https://www.ftb.ca.gov/forms/2015/15_540x.pdf

If you are due a refund, have no amount due, or paid electronically, mail the form to:

FRANCHISE TAX BOARD

PO BOX 942840

SACRAMENTO CA 94240-0001

Currently, there is no way to file this form electronically.

Link to website: http://caleitc4me.org/amend-california-tax-return-claim-caleitc

We hear about fake workers comp claims all the time, but this one was caught ON VIDEO. You’ll have a laugh.

We hear about fake workers comp claims all the time, but this one was caught ON VIDEO. You’ll have a laugh.
Link to Video: http://players.brightcove.net/913730540001/default_default/index.html?videoId=5075545970001 

Watch closely…you might miss it. 

 

Replace your turf grass and receive a rebate of up to $2000!

Replace your turf grass and receive a rebate of up to $2000!
http://www.saveourwaterrebates.com/

Description from website: Save Our Water – Rebates

 

The Department of Water Resources (DWR) has a rebate program for removing tur and replacing it with landscapes that require little water at California single-family residences to support the State’s drought response. For more information on the program’s history, go to the DWR turf site at www.water.ca.gov/turf  

The $24 million program budget is expected to support the conversion of more than 10 million square feet of turf, or approximately 20 percent of the statewide goal of 50 million square feet of turf. Up to $2 per square foot of removed and replaced turf will be rebated per eligible household. The total rebated amount, including any rebates the homeowner has already applied for from another agency, can’t exceed a total of $2 per square foot.

How to get the rebate is outlined on this website: http://www.saveourwaterrebates.com/turf-replacement-rebates.html 

Millions in savings for business and farm owners as commissioner approves reduced rates

News: 2016 Press Release

For Release: August 23, 2016
Media Calls Only: 916-492-3566
Millions in savings for business and farm owners as commissioner approves reduced rates
Small businesses win, as 51 percent of businesses will see a rate decrease

SACRAMENTO, Calif. — Insurance Commissioner Dave Jones has approved rate reductions for a number of State Farm commercial policies that will bring millions of dollars in premium savings for tens of thousands of small businesses, farm owners, apartment owners, and condo associations across the state. 

“These State Farm commercial rate reductions are a big win for California’s small businesses and farm owners,” said Insurance Commissioner Dave Jones. “The Department of Insurance reviewed the rate filings and we determined that in many cases rates should be lowered, resulting in total premium savings of $17 million.”

Voter approved Proposition 103 requires insurers to justify their rates and allow for consumer advocates to intervene in rate filings they believe are excessive. In this case, Consumer Watchdog intervened in three of six State Farm commercial rate filings on behalf of policyholders. The department’s independent actuaries reviewed the rate filings and the data State Farm submitted to justify their rates and found that several of the company’s requested rate increases should actually be reductions.

The company lowered their rates on those insurance products where the department found the data supported a reduction. Since Commissioner Jones took office in 2011, the department has reviewed more than 40,000 rate filings and saved consumers and businesses over $2.562 billion through rate reductions. Whether a particular policyholder receives a rate reduction and how much, depends on their individual policy. 

In other rate filing news – Commerce West submitted rate filings requesting double-digit rate increases for three of its personal private auto programs. When the department requested additional supporting data from the company and Consumer Watchdog petitioned the filing, the company elected to withdraw its rate filings. 

 

Media Notes: 

  • Apartment owner programs -7.1% reduction as of April 2016, estimated premium savings for 38,885 policyholders is $7.4 million.
  • Residential Condominium Homeowner Association program -6.0% reduction as of April 2016, estimated premium savings for 11,451 policyholders is $3,778,234. 
  • Mercantile/Services (small business owners) -4.0% reduction on 8/10/2016, estimated premium savings for 42,318 policyholders is $2,372,362. 
  • Personal Farm owners -29.9% as of 4/14/2016 estimated savings for 4,871 policyholders is $3,635,518.  

The California Department of Insurance, established in 1868, is the largest consumer protection agency in California. Insurers collect $288 billion in premiums annually in California. In 2015 the California Department of Insurance received more than 155,000 calls from consumers and helped recover over $84 million in claims and premiums. Please visit the Department of Insurance web site at www.insurance.ca.gov. Non-media inquiries should be directed to the Consumer Hotline at 800.927.HELP or 213.897.8921. Telecommunications Devices for the Deaf (TDD), please dial 800.482.4833.

Link: http://www.insurance.ca.gov/0400-news/0100-press-releases/2016/release098-16.cfm

California celebrates 20 years of sustainable, impact investing helping underserved communities and the environment

News: 2016 Press Release

For Release: August 17, 2016
Media Calls Only: 916-492-3566
California celebrates 20 years of sustainable, impact investing helping underserved communities and the environment
COIN program is one-of-a-kind national model for socially responsible investing

LOS ANGELES, Calif. — At a summit marking the 20th anniversary of the founding of the California Organized Investment Network (COIN), California Insurance Commissioner Dave Jones lauded the milestone by recognizing the impact investments made by insurers in underserved communities to help create more jobs, affordable housing, community centers, schools, health clinics, and improve the environment through green investments.

COIN, a government entity within the California Department of Insurance, plays a critical role in inter-mediating the flow of capital from insurance companies to affordable housing developments, small or sustainable businesses, and community facilities that benefit rural or underserved communities within the state of California. It does this through a tax credit program and the identification and sourcing of socially responsible investments in these areas.

“The strong partnership California has had with insurers over the past two decades in building the nation’s leading investment program for socially responsible impact investments demonstrates how our program can be replicated to further benefit cities and states across the country struggling to redevelop communities, create permanent jobs, and boost green technology to protect and improve our environment,” said Insurance Commissioner Dave Jones. “We need to make more insurers aware of this program and follow the lead of companies already participating in COIN in investing in California communities.”

Jones recognized several insurers for participating in COIN including:

  • Largest percentage increase in COIN Qualified Holdings – Great-West Lifeco Inc., from $62M in 2013 to $306M in 2015, an increase of almost 5 times
  • Most First-Time COIN Qualified Investments – American Financial Group, $91M initial COIN Qualified investments in 2015
  • Most COIN Qualified Holdings in 2015 by Health Insurance Company– Anthem Inc. $67M
  • Most COIN Qualified Holdings in 2015 by Property Casualty Insurance Company – Liberty Mutual $499M
  • Most COIN Qualified Holdings in 2015 by Life Insurance Company – MetLife $2.8B
  • Largest COIN Bulletin Investor 2015 – TIAA $20M
  • Largest COIN Bulletin Investor 2014 – Prudential Financial $6M

“Insurers recognize the value of COIN sourcing and structuring impact investments, and have tripled their COIN holdings from the beginning of 2011 through the end of 2015,” said Stacie Olivares-Castain, Managing Director of COIN.

The COIN summit brought together more than 200 insurance, community, and financial leaders from across the country to discuss the benefits of tax credit investments, insurer evaluation of COIN investments, performance of investments through the COIN program, and the opportunity to partner insurers with investment opportunities in environmental programs and underserved communities.

Panels included speakers discussing impact investing and the insurance industry, risk and return of impact investments, COIN’s impact, and green investments.

Since the inception of the COIN Community Development Financial Institution (CDFI) Tax Credit Program in 1997, more than $239 million has been invested into COIN Certified CDFIs throughout California. Investments made through the program include green energy, affordable housing, clean water, healthy foods, and education projects. CDFIs use investment dollars to provide much needed capital to low-income and rural communities.

# # #

Media Notes:

Just within the period of 2011 through 2015, COIN has delivered significant social and environmental impact, particularly within low-to moderate-income (LMI) communities across California, by facilitating investment opportunities that offer a competitive financial return to insurers and other investors. These include:

  • COIN facilitated the investment of $237.5 million into 34 organizations, which in turn deployed $505.7 million of pooled funds into projects and businesses that benefit underserved communities across the state of California;
  • The creation of 985 new permanent jobs and supported 2,300 existing permanent jobs throughout underserved areas of California, primarily through the financing of real estate projects and small and medium-sized businesses. Additionally, 3,230 construction jobs have been created;
  • The development of over 12,000 units of affordable housing across California for 18,184 residents, two-thirds of whom are very low income individuals earning less than 50 percent of the Area Median Income (AMI);
  • Financial support for 212 small businesses that employ 884 individuals. Approximately 68 percent of these businesses are minority-owned or controlled;
  • The construction or expansion of 22 community facilities including healthcare centers for the medically underserved, childcare centers and facilities offering social services. These facilities serve over 210,000 individuals, over 40,000 of whom live in rural communities; and
  • Construction of nine water treatment facilities, water access projects and desalination plants, which provide 2,765 households and businesses with safe drinking water.
  • COIN is an initiative to provide leadership in increasing insurance industry investment in underserved and rural communities throughout California. COIN sources and structures community development investments for insurers that yield competitive financial returns for companies while at the same time, providing numerous social and environmental benefits for Californians.
  • Visit the COIN website to learn more. 
  • Photos from the event can be viewed on CDI’s Flickr.

The California Department of Insurance, established in 1868, is the largest consumer protection agency in California. Insurers collect $288 billion in premiums annually in California. In 2015 the California Department of Insurance received more than 155,000 calls from consumers and helped recover over $84 million in claims and premiums. Please visit the Department of Insurance web site at www.insurance.ca.gov. Non-media inquiries should be directed to the Consumer Hotline at 800.927.HELP or 213.897.8921. Telecommunications Devices for the Deaf (TDD), please dial 800.482.4833.

Link: http://www.insurance.ca.gov/0400-news/0100-press-releases/2016/release096-16.cfm

Clayton Fire evacuees may have additional financial assistance available

News: 2016 Press Release

For Release: August 15, 2016
Media Calls Only: 916-492-3566
Clayton Fire evacuees may have additional financial assistance available

SAN FRANCISCO, Calif. — With thousands of Lake County residents under mandatory evacuation due to the Clayton Fire, consumers should know their homeowner or renter policies may offer assistance covering costs associated with mandatory evacuation and recovery expenses. 

The fast-moving wildfire, burning near the 2015 Valley Fire, currently threatens thousands of residences and commercial buildings and has already scorched 4,000 acres and destroyed more than 175 structures, including 100 homes. 

Many consumers are unaware that their homeowner or renter insurance policy likely provides what is known as additional living expense or ALE coverage. ALE coverage reimburses policyholders for expenses incurred as a result of mandatory evacuation or damage caused by smoke or fire, enabling consumers to focus their attention on recovery. It is important to note policyholders DO NOT need to experience any smoke or fire damage or destruction to collect ALE benefits.

“Disaster evacuations can create financial and emotional hardships,” said Insurance Commissioner Dave Jones. “I urge wildfire victims to contact their insurer to see if their policy covers additional living expenses associated with mandatory evacuation and recovery.”

Residents should review their policies to see if they have coverage for additional living expenses and check with their insurer to confirm their coverage limits and the requirements to submit expenses for reimbursement. 

ALE coverage typically includes food and housing costs, such as hotel or rental property, furniture rental, relocation, storage, and extra transportation expenses, even for the loss of food in a refrigerator or freezer, if power is cut in the evacuation area. Additionally, consumers need to understand the reimbursement process and expenses covered under ALE. Since documentation for all covered expenses is required, the department recommends saving all bills and receipts for expenses associated with the event. If you are having trouble identifying if an activity or item is reimbursable contact your agent or insurer.  If residents need assistance, they can contact the department’s Consumer Hotline at 800-927-4357 for questions about their insurance coverage.

 

Media Notes: 

  • The Department of Insurance consumer services team regularly participates in Cal OES established local assistance centers for consumers needing assistance recovering from wildfires.
  • Don’t forget copies of insurance policies, important papers and a photo or video inventory of your possessions. An inventory can be completed quickly and easily on your smart phone and safely stored in the Cloud.
  • Additional tips and information for consumers about what to dobefore, during and aftera wildfire are available from the California Department of Insurance. Download a free home inventory guide from the department website atinsurance.ca.gov, or receive a hardcopy by calling the California Department of Insurance Consumer Hotline at 800-927-HELP (4357).
 

The California Department of Insurance, established in 1868, is the largest consumer protection agency in California. Insurers collect $288 billion in premiums annually in California. In 2015 the California Department of Insurance received more than 155,000 calls from consumers and helped recover over $84 million in claims and premiums. Please visit the Department of Insurance web site at www.insurance.ca.gov. Non-media inquiries should be directed to the Consumer Hotline at 800.927.HELP or 213.897.8921. Telecommunications Devices for the Deaf (TDD), please dial 800.482.4833.

Link: http://www.insurance.ca.gov/0400-news/0100-press-releases/2016/release095-16.cfm

Four additional insurers agree to change their use of Death Master File

News: 2016 Press Release

For Release: August 4, 2016
Media Calls Only: 916-492-3566
Four additional insurers agree to change their use of Death Master File
Insurers to use database to search for deceased policyholders; make payments to beneficiaries

SACRAMENTO, Calif. — Insurance Commissioner Dave Jones today announced settlement agreements with Hartford Fire & Casualty Group, Securian, Great American Life, and Standard related to use of the Social Security Administration’s Death Master File database.

Hartford will pay $2.1 million, Securian $625,000, Great American Life $400,000, and Standard $277,000 to the states participating in the national investigation. All four insurers agreed to reform their business practices to benefit policyholders and use the database to search for policyholder beneficiaries that might be owed benefits from a life insurance policy. 

“These four insurers have agreed to do the right thing for consumers and to use the Death Master File to determine if a life insurance policyholder died and then to pay benefits,” said Commissioner Dave Jones. “I urge other life insurers to follow the lead of the 24 life insurers who have entered into regulatory settlement agreements to use the Death Master File to identify deceased policyholders and pay benefits to their beneficiaries.”

The Death Master File provides insurers with the names of deceased people in the U.S. who have social security numbers. It is a useful tool for insurers to identify deceased policyholders and pay life insurance benefits to beneficiaries who may be unaware that they are owed money. However, until recently many life insurers used the Death Master File only to benefit the insurance company, such as using it to identify deceased annuity holders in order to stop making annuity payments, but not to pay life insurance benefits.

These insurers have agreed to compare all company records against the Death Master database to determine whether there are unclaimed death benefits and conduct a thorough search for beneficiaries to whom unclaimed benefits may be owed.

In addition to the four life claim settlement agreements, a recent multistate market conduct exam of Primerica shows the insurer has properly used the Death Master File symmetrically across all product lines to ensure the company is identifying deceased life insurance policyholders whose beneficiaries are owed life insurance proceeds. Primerica is the third insurer found in compliance with the law, following multistate market conduct examinations.

A national investigation and settlements by state insurance commissioners led to life insurers returning more than $6 billion to beneficiaries nationwide and over $2.8 billion delivered to the states’ unclaimed property programs, which continue efforts to locate and pay beneficiaries. To date, over 78 percent of the life insurance market by premium volume has either agreed to comply with the law through settlements or been found in compliance.  In addition to the investigation, Commissioner Jones chaired a National Association of Insurance Commissioners’ sub-group, which drafted a model law that would require all life insurers to use the Death Master File to identify deceased policyholders in order to facilitate payment of benefits to their beneficiaries. It is now being considered for adoption by the NAIC.

Insurance Commissioners for California, North Dakota, Florida, New Hampshire, and Pennsylvania, are leading the national investigation of life insurers to ensure compliance with California’s Unfair Insurance Practices Act and similar laws in other states. California managed the market conduct examination of Standard, North Dakota managed the exam of Securian, and Florida managed the exams of Hartford and Great American Life, each with assistance from the other lead states.

# # #

Media Note:

To date, state insurance regulators have either reached settlements or concluded the investigation of 27 of the top 40 companies constituting 78 percent of the total market. Efforts continue to be focused on the examination of the remaining 13 insurers.


The California Department of Insurance, established in 1868, is the largest consumer protection agency in California. Insurers collect $288 billion in premiums annually in California. In 2015 the California Department of Insurance received more than 155,000 calls from consumers and helped recover over $84 million in claims and premiums. Please visit the Department of Insurance web site at www.insurance.ca.gov. Non-media inquiries should be directed to the Consumer Hotline at 800.927.HELP or 213.897.8921. Telecommunications Devices for the Deaf (TDD), please dial 800.482.4833.

Link: http://www.insurance.ca.gov/0400-news/0100-press-releases/2016/release092-16.cfm

CastlePoint National conserved by regulator to protect policyholders

News: 2016 Press Release

For Release: July 28, 2016
Media Calls Only: 916-492-3566
CastlePoint National conserved by regulator to protect policyholders
California takes the lead in protecting Tower Group policyholders nationwide by adopting a plan to efficiently wind up the affairs of this long-troubled group of insurers

SACRAMENTO, Calif. — Insurance Commissioner Dave Jones announced today that CastlePoint National Insurance Company (CastlePoint), the sole remaining insurance company member of the Tower Group, was placed into conservation by order of the San Francisco Superior Court to protect policyholders and injured workers covered under policies issued by CastlePoint and the other member companies of the Tower Group.

Immediately after being appointed Conservator of CastlePoint, the Commissioner filed a motion seeking approval of a Conservation & Liquidation Plan for CastlePoint to further protect policyholders by deconsolidating CastlePoint from the Tower Group and providing for transactions that will bring in more than $200 million in new value for the benefit of policyholders and claimants. The hearing on the motion to approve the Plan is set for 9:30 a.m., on Tuesday, September 13, 2016, at the San Francisco Superior Court.

In addition to bringing in substantial new value for the policyholders, the plan will also establish an efficient and orderly process for liquidating CastlePoint by ensuring that the Insurance Guaranty Funds around the country can assume responsibility for administering and paying CastlePoint’s insurance claims without disruption when the Court issues a final liquidation order. During the initial conservation phase there should be no disruption or delay in the delivery of workers’ compensation benefits to injured workers and other claims covered under CastlePoint policies.

“Today’s conservation of CastlePoint National Insurance Company is the next chapter in the long-running struggles of the Tower Group,” said Commissioner Jones. “My department and other regulators around the country have been concerned with the Tower Group’s financial condition for many years, and we have been carefully monitoring Tower to determine if intervention was necessary to make certain Tower would honor their claim commitments. The time for me to intervene to protect policyholders arrived today.”

The Tower Group’s troubles started emerging during 2013. Prior to that, Tower grew steadily by acquiring a series of smaller insurers, but Tower’s prior management was not effective in integrating those companies. In October 2013 the Tower Group announced that it had deficiencies of nearly $400 million in its aggregate policyholder loss reserves. That situation was compounded by accounting errors that resulted in the parent company, Tower Group International, Ltd., withdrawing its previously filed consolidated financial statements for 2011 and 2012.

In September 2014, the Tower Group was acquired by ACP Re, a Bermuda reinsurer with ownership aligned with AmTrust Financial Services, Inc. and National General Holdings Corp. While that acquisition substantially improved Tower’s situation by migrating policy and claims administration to more reliable data systems at AmTrust and National General, the volatility and deterioration of the pre-acquisition claims continued unabated through 2015. By the end of 2015, the Tower Group reported additional loss reserve deficiencies well above $400 million.

By that time the California Department of Insurance was already working closely with other regulators around the country and the owners of ACP Re to formulate a plan to address the situation at the Tower Group. Tower was made up of 10 insurance companies domiciled in six states that operated on a largely consolidated financial basis through an intercompany reinsurance pooling arrangement. The situation presented particular challenges in the resolution of Tower’s financial distress.

During the past several weeks, the department, in close coordination with fellow regulators in Maine, Massachusetts, New Jersey, Florida, and New York, formulated a plan with the owners of ACP Re and other related parties to consolidate the entire Tower Group into a single company – CastlePoint National Insurance Company, a California domiciled insurer– so that policyholders of the entire Tower Group of insurance companies could be protected in single legal proceedings here in California.

“The plan and process of consolidating 10 companies from six states into a single insurer for purposes of conducting a uniform and efficient conservation and liquidation was immensely complicated and challenging,” said Commissioner Jones. “The level of cooperation my department received from fellow regulators was greatly appreciated and is another demonstration of the effectiveness of our 50-state insurance regulatory system in protecting consumers that have the misfortune of having purchased insurance from financially unstable insurers.”

The merger and consolidation of the other insurance companies into CastlePoint was completed only days before the Commissioner placed CastlePoint into conservation.

# # #

Media Notes:

  • The Plan, if and when approved by the Court, will provide the following benefits for CastlePoint and its policyholders and creditors:
    • CastlePoint will receive an infusion of $200 million net of certain advances made prior to closing to continue claim payments, in exchange for which CastlePoint will commute a series of reinsurance agreements put in place at the time of the September 2014 acquisition.
    • CastlePoint will receive free policy and claim runoff administration services for up to two years, and this benefit is freely assignable to the Insurance Guaranty Funds if their duty to assume claims administration is triggered prior to the end of that two-year period.
    • CastlePoint policyholders with policies issued after September 15, 2014 which are 100% reinsured by AmTrust and National General Holdings Corp. will receive cut-through endorsements allowing them to file claims directly with AmTrust (for commercial lines policies) or National General Holdings Corp. (for personal lines policies), thereby avoiding entanglement with the CastlePoint conservation and liquidation process.
    • CastlePoint will be deconsolidated from the Tower Group through a process that will protect the company from future exposure to tax and other liabilities of the non-insurance company members of the Tower Group, while preserving hundreds of millions of dollars in tax attributes.
  • Current information and documents about the conservation of CastlePoint and the Commissioner’s Conservation & Liquidation Plan will be posted on the website of the Commissioner’s Conservation & Liquidation Office.

The California Department of Insurance, established in 1868, is the largest consumer protection agency in California. Insurers collect $288 billion in premiums annually in California. In 2015 the California Department of Insurance received more than 155,000 calls from consumers and helped recover over $84 million in claims and premiums. Please visit the Department of Insurance web site at www.insurance.ca.gov. Non-media inquiries should be directed to the Consumer Hotline at 800.927.HELP or 213.897.8921. Telecommunications Devices for the Deaf (TDD), please dial 800.482.4833.

Link: http://www.insurance.ca.gov/0400-news/0100-press-releases/2016/release090-16.cfm

 

Soberanes Fire evacuees may have additional financial assistance available

News: 2016 Press Release

For Release: July 25, 2016
Media Calls Only: 916-492-3566
Soberanes Fire evacuees may have additional financial assistance available

MONTEREY, Calif. — With thousands of homeowners under mandatory evacuation due to the Soberanes Fire, consumers should be aware their homeowner or renter policies may offer assistance covering costs associated with mandatory evacuation and recovery expenses. The fast-moving wildfire currently threatens 1,650 residences and commercial buildings and has already scorched nearly 15,000 acres and destroyed 20 homes.

Many consumers are unaware that their homeowner or renter insurance policy likely provides what is known as additional living expense or ALE coverage. ALE coverage reimburses policyholders for expenses incurred as a result of mandatory evacuation or damage caused by smoke or fire, enabling consumers to focus their attention on recovery. It is important to note policyholders DO NOT need to experience any damage or destruction to collect ALE benefits.

“Displacement due to disaster can create financial and emotional hardships,” said Insurance Commissioner Dave Jones. “I urge wildfire victims to contact their insurer to see if their policy covers additional living expenses associated with mandatory evacuation and recovery.”

Residents should review their policies to see if they have coverage for additional living expenses and check with their insurer to confirm their coverage limits and the requirements to submit expenses.

ALE coverage typically includes food and housing costs, such as hotel or rental property, furniture rental, relocation, storage, and extra transportation expenses. Additionally, consumers need to understand the reimbursement process and expenses covered under ALE. Since documentation for all covered expenses is required, the department recommends saving all bills and receipts for expenses associated with the event. If you are having trouble identifying if an activity or item is reimbursable, contact your agent or insurer.

If residents need assistance, they can contact the department’s Consumer Hotline at 800-927-4357 for questions about their insurance coverage.

# # #

Media Notes:

  • Infographic on ALE and recovering from fire.
  • The Department of Insurance consumer services team regularly participates in Cal OES established local assistance centers for consumers needing assistance recovering from wildfires.
  • Don’t forget copies of insurance policies, important papers and a photo or video inventory of your possessions. An inventory can be completed quickly and easily on your smart phone and safely stored in the Cloud.
  • Find quick and easy tips to prepare your home to help keep your home from becoming fuel for a wildfire. 
  • Additional tips and information for consumers about what to do before, during and after a wildfire are available from the California Department of Insurance. Download a free home inventory guide from the department website at insurance.ca.gov, or receive a hardcopy by calling the California Department of Insurance Consumer Hotline at 800-927-HELP (4357).
  • Don’t get burned after a disaster. Tips and tools to help prevent you from getting burned by a scam artist.

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The California Department of Insurance, established in 1868, is the largest consumer protection agency in California. Insurers collect $288 billion in premiums annually in California. In 2015 the California Department of Insurance received more than 155,000 calls from consumers and helped recover over $84 million in claims and premiums. Please visit the Department of Insurance web site at www.insurance.ca.gov. Non-media inquiries should be directed to the Consumer Hotline at 800.927.HELP or 213.897.8921. Telecommunications Devices for the Deaf (TDD), please dial 800.482.4833.

Link: http://www.insurance.ca.gov/0400-news/0100-press-releases/2016/release088-16.cfm 

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