California commissioner announces action to protect residents from non-renewals
California Insurance Commissioner Ricardo Lara sent a message Tuesday to Mariposa County residents who have been ordered to evacuate due to the Oak Fire, telling them they may have homeowners insurance. or tenant to help cover evacuation and relocation costs.
Coverage for additional living expenses, known as ALE coverage, typically includes food and housing costs, furniture rental, moving and storage, and additional transportation costs, among other costs. An estimated 6,000 Mariposa residents are under evacuation orders, representing about one-third of the county’s population.
Lara also announced imminent action following Governor Newsom’s declaration of an emergency on July 23. Under state law, once the perimeter of a wildfire is determined by the California Department of Forestry and Fire Protection in consultation with the Governor’s Office of Emergency Services, Lara will issue a bulletin identifying ZIP Codes subject to one-year protection against non-renewal or cancellation of homeowners insurance due to wildfire risk.
“I want evacuees to know that additional living expenses coverage may be available to help manage the stress and financial burden of mandatory evacuations,” Lara said in a statement. “Once the Oak Fire is contained, my Department of Insurance will enforce state laws that protect residents’ insurance coverage and help them recover.”
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