Evacuation Checklist for Policyholders: Essential Steps to Protect Your Home and Finances
When disaster strikes and evacuation orders are issued, having a plan in place can make a significant difference in protecting both your personal safety and your financial security. The California Department of Insurance provides important guidelines to help policyholders prepare for an evacuation and understand their insurance coverage.
Before You Evacuate
1. Follow Local Evacuation Orders
Always adhere to official evacuation directives from local authorities. Delaying evacuation can put your safety at risk.
2. Secure Insurance Documents
If time permits, locate your insurance policy documents and upload them to a secure cloud storage service using your mobile device. Having digital copies ensures you can access them even if the physical copies are lost or damaged.
3. Create a Home Inventory
A detailed record of your belongings can expedite insurance claims. Take photos or videos of your possessions using your smartphone and store them in the cloud. To assist in this process, download the Home Inventory Guide from the California Department of Insurance.
After You Evacuate
1. Understand Your Additional Living Expense (ALE) Coverage
Homeowner and renter policies often include Additional Living Expense (ALE) coverage, which can help cover evacuation and recovery costs such as:
Temporary housing
Increased food expenses
Furniture rental
Relocation and storage
Transportation costs
Contact your insurance provider to verify your ALE coverage limits and requirements. If you decide to file an ALE claim, keep all receipts and document the date, time, and names of any insurance company representatives you speak with.
2. Review Your Policy Details
Insurance policies, including deductible amounts and specific coverage provisions, vary by company. Contact your insurance provider as soon as possible to confirm your coverage limits, any exclusions, and required documentation.
3. Verify Licensing of Insurance Agents and Adjusters
In the aftermath of a disaster, some individuals may attempt to take advantage of policyholders. Ensure that any insurance agent or public adjuster offering their services is properly licensed. Use the Check License Status App to verify credentials. Public adjusters are not allowed to solicit business for seven days following a disaster.
Additional Resources
For more information on disaster preparedness, insurance claims, and post-evacuation guidance, visit the Wildfire Resources page provided by the California Department of Insurance.
Need Assistance?
If you have questions or require help with your insurance policy, the California Department of Insurance is available to assist you. Call 1-800-927-4357 for expert guidance and support.
Being proactive and informed can ease the challenges of an evacuation and ensure you receive the insurance benefits you are entitled to. Stay prepared and stay safe.
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