Those who suffered property losses in the Northern California wildfires are no doubt struggling with insurance claims and the “process” of getting payment for losses they suffered under their property insurance coverage – a Homeowner’s Policy or Commercial General Liability Policy (for businesses). It can be a difficult and confusing process. No matter what the claim, there are some basics that you need to be aware of in making a claim for property damage when you are seeking to collect from your insurance company in order to have the funds to restore the property to its pre-loss condition.
Frankly, most of us never look at our insurance policies until we have a loss and claim. So there may be some surprises as to what you have or do not have. Here are some thoughts: