Insurance Information Network Of California Offers Fire Victims Recovery, Claims Info

November 18, 2008

With displaced residents of the Southern California fires now returning to their neighborhoods, several home and business owners are now finding themselves facing dozens of questions before they rebuild.

To help navigate the insurance recovery process, the Insurance Information Network of California offers the following advice and claims information to those whose property has been damaged or destroyed:

• Call your insurance agent or insurance company and report the damage. Most homeowner policies cover additional living expenses and will advance money if there is a need for temporary shelter, food or clothing.

• If your home or business has been damaged but not destroyed, make temporary repairs where possible to prevent any further damage. Save receipts for supplies and materials purchased as the insurance company will reimburse for any reasonable expenses for these temporary repairs.

• Prepare for the adjuster’s inspection. Take the time to inspect the property in advance and note anything that you would like the adjuster to see. Provide the adjuster with a list of the damaged items, photographs, receipts, bills and any other relevant paperwork. Doing so will help the adjuster correctly determine the value of destroyed property. Information on how to create an inventory and free inventory software is also available at the IINC Web site at

• Maintain a recovery diary or log of all phone calls, emails and meetings about the insurance claim.

• Be wary of those seeking your business. Contractors, public adjusters and attorneys may all try to get you to sign on the bottom line. Check licenses of contractors and public adjusters with the State Contractors License Board ( and the California Department of Insurance ( Be aware that if you sign a contract with an outside claims intermediary, your insurer is precluded from working with you directly. In addition, intermediaries’ fees in most instances are not paid by insurers; they are incurred and paid by policyholders.

To view a copy of the brochure, “Settling Insurance Claims After a Disaster,” visit the IINC Web site at

The following insurance claims phone numbers have been confirmed by insurers:

21st Century 800-322-8200

AIG 877-244-0304

AIG Mobile Home Program 866-221-2402

AIG Private Client Group 888-760-9195

Allied 800-282-1446

Allstate 800-54-STORM (547-8676)

American International Insurance Company of California 888-760-9195

American National Property and Casualty Co. 800-333-2860

Amica Mutual Insurance Co. 800-242-6422

Armed Forces Insurance 800-255-0187

Auto Club of Southern California (Inter-Insurance Exchange) 80-672-5246

Balboa Insurance Group/Balboa Insurance Co./Newport Insurance Co./Meritplan Insurance Co. 888-768-2096

California Casualty 800-800-9410

Century-National Insurance Co. 800-733-1980

Chubb 800-252-4670

Civil Service Employees Insurance Co. 800-282-6848

CNA (877-CNA-ASAP (262-2727)

Countrywide 888-768-2096 general claim; catastrophe-related claim 866-331-4832

Electric Insurance Co. 800-227-2757

Farmers 800-HelpPoint (435-7764)

Foremost 800-527-3907

Fireman’s Fund Insurance Co. 888-FIRE-HAT (347-3428)

GeoVera Insurance Co. 800-319-6635/GeoVera Specialty Insurance Company 800-631-6478

Horace Mann Insurance Co./Horace Mann Property and Casualty Insurance Co. 877-267-0570 or 800-990-1030

IDS Property Casualty Insurance Co. (Ameriprise) 800-872-5246

Kemper Insurance 888-252-2799

Lexington 800-931-9546

MetLife Auto & Home 800-854-6011

National Interstate Insurance 800-929-0870

Nationwide/Allied 800-282-1446

Oregon Mutual 800-888-2141

Pacific Property and Casualty Co. 800-333-2860

Pacific Specialty Insurance 800-962-1172

Progressive 800-776-4737

Safeco 800-332-3226

State Farm 800-SFCLAIM (732-5246)

USAA 800-531-8722

Wawanesa Mutual Insurance Co. 800-572-5246

Western Mutual company and Residence Mutual Insurance Co. 800-927-2142

Workmen’s Auto Insurance Co. 888-811-4054

For information, visit the IINC Web site at

Source: IINC

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