Following the recent wildfires, dozens of homeowners no longer have a house to return to, and figuring out the next step can definitely be overwhelming. There are a lot of hoops to jump through when it comes to filing an insurance claim, and it can be a lengthy process.
Commissioner Ned Gaines with the Nevada Division of Insurance says they’re working to protect folks throughout this process by monitoring the market, going on inspections of the burned area and even asking insurers to be flexible with late payments.
“We're requesting that the insurance industry, the companies, you know, they work with their consumers, give them flexibility,” said Commissioner Gaines. “Maybe people have payments that are coming due, but because of not being in their home or having to pay for additional living expenses... work with them, give them some leeway in being able to make that payment late, without canceling the policy.”
This request was made in a bulletin, which can be found here. And it's important to note that this is a request from the division, not something set in stone.
The division is also warning folks to do their due diligence when approached by someone who says they want to help.
“If you are approached by an adjuster, you go to the Division of Insurance website and you can verify that they're actually licensed here,” said the Commissioner. “Do not use anybody that is not licensed.”
To verify a license, go here.
Figuring out the proper steps to take to file a claim and beyond can be tricky. If you have been affected by wildfire, visit this link for guidance during the recovery phase.
Commissioner Gaines also strongly recommends all homeowners create and maintain an updated home inventory, which is a detailed document with all personal effects listed on it. Then, nothing is left out of the claim when it is being evaluated. How to do that can be found here.
