2018 Ferguson Fire in Mariposa County. Fire activity in division aplha/echo taken by Arrowhead IHC behind Cedar Lodge on July 17, 2018
Wildfire survivors urged to contact the Department's Consumer Hotline
August 9, 2018 - SACRAMENTO, Calif. - Thousands of wildfire survivors face a long road recovering from the devastating fires that have destroyed or damaged at least a thousand homes in northern California. Insurance Commissioner Dave Jones urges wildfire survivors to be aware about the dangers of hiring unlicensed contractors as they begin the recovery process and to be on the lookout for scam artists trolling the area.
Tips from the Contractor's State License Board (CSLB) for hiring a contractor:
- Don't rush into repairs, no matter how badly they're needed;
- Don't hire the first contractor who comes along, or sign over any payment checks from your insurance company;
- Hire only licensed contractors and ask to see their plastic CSLB pocket license and a photo ID;
- Get bids from at least three licensed contractors, and don't necessarily take the lowest bid, especially if it's much lower than other bids;
- Always check the license number on CSLB's website at www.cslb.ca.gov or CheckTheLicenseFirst.com, and contact the business directly if you have any questions;
- Get three references from each bidder, and view their previous work in-person;
- Get your contract in writing;
- In most cases, in a disaster area you have up to seven business days to cancel your contract without penalty;
- Get more tips at www.cslb.ca.gov or CheckTheLicenseFirst.com.
Tips for hiring a public adjuster:
- Consider trying to settle your claim directly with your insurance company before hiring a public adjuster or an attorney. Your insurer provides an adjuster at no charge to you.
- Ask your insurance agent or company representative to help you with your claim and don't be afraid to ask questions.
- If you hire a public adjuster to help you with a claim, make sure they are licensed. You can check their license status by calling our toll-free consumer hotline or checking the department's website.
- Public adjusters usually require a percentage of the claim settlement for their services. Make sure you understand what they charge and the services you are paying for before you sign a contract.
- Public adjusters are not allowed to solicit business or initiate any contact with a policyholder between the hours of 6 P.M. and 8 A.M.
- Top 10 Tips for Wildfire Claimants
- Top 10 Tips to Avoid Scams After the Fires
- Additional resources and information for consumers on wildfires are available from the California Department of Insurance. Download a free home inventory guide from the department website or receive a hardcopy by calling the California Department of Insurance Consumer Hotline at 800-927-4357.