Butte County family sues insurers, FAIR plan over denied wildfire claims
A Butte County couple is taking legal action against the California FAIR Plan and other insurers, alleging that their wildfire claims have been wrongfully denied or partially denied.
This lawsuit brought by FAIR Plan experts Kerley Schaffer highlights the ongoing struggles homeowners face in securing fair compensation after wildfire damage.
The Butte County family, whose home survived the Park Fire last July, is accusing the California FAIR Plan and other insurers of failing to uphold their obligations under their insurance policies. The lawsuit alleges that the insurers have either denied their claims outright or have only partially compensated them for the damages they sustained.
Key Takeaways:
Denied or Partially Denied Claims: The lawsuit by Kerley Schaffer underscores the frustration and financial hardship homeowners experience when their wildfire claims are denied or underpaid.
FAIR Plan Involvement: The inclusion of the California FAIR Plan in the lawsuit raises concerns about the adequacy of coverage provided by the state's insurer of last resort. The suit also for the first time targets the largest insurance carriers in the state which oversee and direct FAIR Plan’s operations.
What This Means for Homeowners:
This lawsuit serves as a reminder of the importance of:
Understanding Your Policy: Carefully review your insurance policy to understand the scope of coverage for wildfire damage.
Documenting Your Losses: Thoroughly document all damages and expenses related to the wildfire.
Seeking Legal Advice: If your wildfire claim with FAIR Plan is denied or underpaid, Kerley Schaffer has been litigating these claims for a decade. We can help.
Conclusion:
Kerley Schaffer’s suit on behalf of the Butte County family against the FAIR Plan and other insurers underscores the challenges homeowners face in navigating the complex insurance claim process after a wildfire. This case highlights the need for greater transparency and accountability from insurance companies in fulfilling their obligations to policyholders.
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