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Home Insurance Question from Magalia, California
Answer given on December 19, 2018
I'm sorry you suffered a loss in the Camp Fire. The insurance company does have a record of your homeowner insurance coverage in their records. They can send you a copy of the policy, but a certified copy really is not necessary. A simple copy of the policy should suffice for you to file a claim with the insurance company. Often times an insurance policy is destroyed in a house fire and the insurance companies are equipped to handle this situation.
If you have an attorney requesting the certified copy, they can call the insurance company to discuss this, but again a certified copy does not affect the insurance coverage and how the claim will be handled. You can simply proceed with your claim with the insurance company. If you want to see your coverage, a copy of the policy can be emailed or sent to you at an address you provide them. There should also be some place where you can meet face to face with an adjuster about your claim.
NOTE: The IMPORTANT NOTICE below is a part of this answer!
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