How do I file a claim?

If you experience a covered loss, you should report it as soon as possible. You can file online or via your broker. After filing, an adjuster will contact you. In cases of catastrophe events (e.g., wildfire), there might be delays due to high volume. You are advised not to make permanent repairs until the adjuster inspects (except immediate measures to prevent further damage). Take photographs of damage before repairs.

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Does the FAIR Plan guarantee that I’m fully covered?

No — it’s important to understand that The FAIR Plan is meant as a temporary solution when you cannot find coverage in the open market. The goal “is attrition” (i.e., eventually you find a standard insurer). Because the CA Fair Plan limits coverage to fire, it is highly recommended to fill in the gaps with a Difference in Conditions policy.

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What Perils are not covered? 

Wind, hail, theft, flooding, liability, earthquake.

If I have a FAIR Plan policy for fire, what additional coverage do I need for other perils so I’m more fully protected? You would need a Difference in Conditions policy that offers coverage for liability, theft and water coverage. You may also need flood or earthquake coverage.

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Will my mortgage lender require a CA FAIR plan policy and also a DIC policy?

Lenders require insurance against physical damage. Liability coverage is not related to protecting the lenders collateral and by law, lenders cannot require liability coverage via a DIC a policy but rather the homeowner should seek this coverage out to maintain full coverage without gaps. In short, lenders should only require the CA Fair Plan coverage while the DIC policy is optional and highly suggested.