Understanding the extent and limits of your policy coverage, assessing the value of lost or damaged property, and making insurance claims can be complex and challenging -– especially in distressing times when access to resources, finances, and crucial paperwork is compromised.

Under California’s Fair Claims Settlement Practices Regulations, insurance companies are required to meet certain requirements in their communications with you, act in good faith, and conduct cooperative investigations. Under Cal. Ins. Code 2051.5(b)(2), insurers are also required to provide additional living expenses (ALE) coverage for up to 24 months after the state has declared a “disaster,” and more.