Wildfire Insurance Claims Are More Complex Than Ever – Stay Ahead
Get expert guidance on navigating policy disputes, claim delays, and regulatory shifts.
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With over $30 billion in insured losses and growing uncertainty in California’s insurance market, attorneys must be equipped to handle complex coverage claims. As insurers continue to withdraw from high-risk areas and introduce stricter policy limitations, securing compensation for clients is becoming more challenging.
CEB’s white paper, “Insurance After the California Wildfires: Guiding Clients Through Coverage Claims,” provides a comprehensive breakdown of the key issues affecting wildfire-related insurance claims, including:
- All-risk vs. named-peril policies – Learn how different coverage structures impact claims and why the burden of proof matters.
- Smoke, ash, and poor air quality coverage – Explore the legal precedents that support claims for damage beyond direct fire impact.
- Mitigation provisions – Understand how expenses for protective actions, such as securing property or moving inventory, may be recoverable.
- Time-element coverage – Ensure clients maximize claims for business interruption, extra expenses, and government-imposed access restrictions.
- Policy conditions and claim requirements – Avoid denials by meeting notification deadlines, submitting proper documentation, and complying with policyholder obligations.
- Proving the loss amount – Strengthen claims with well-documented valuations of business interruptions and property damages.
- Policy renewals and industry changes – Stay ahead of insurer nonrenewal, coverage reductions, and the evolving legal landscape, including Senate Bill 222.
Plus! Get a complete checklist for guiding clients through the claims process — A practical, step-by-step tool to help attorneys ensure their clients are fully prepared.