SEPTEMBER 11, 2024 – Reimbursement Information for Davis Fire Evacuees
Contact: Drew
Pearson, Public Information Officer
Phone:
(775) 687-0772
E-mail: dpearson@doi.nv.gov
FOR IMMEDIATE RELEASE – September 11, 2024
Nevada Division of Insurance Reimbursement Information for Davis Fire
Evacuees
CARSON CITY, Nevada – Residents in Northern Nevada impacted
by the Davis Fire evacuations may be entitled to cost reimbursement from their insurer.
The Nevada Division of Insurance (“Division”) encourages all residents to
preserve receipts or records of transactions for evacuation-related expenses if
they plan to file a claim.
The Division has contacted the major insurance
carriers in the affected area for information on reimbursement during
evacuation. The major carriers all responded indicating most homeowners, renters,
and condo policies provide loss of use/additional living expense coverage for
up to two weeks when the use of the residence is prohibited by a civil,
governmental, or military authority. Some carriers can place the customer in
temporary housing, a hotel typically, and allow for food allowance based on the
number of people in the household. Coverage is reviewed on a case-by-case basis
and may have a specific coverage sublimit. Policyholders should check their
policies to understand the specific terms and conditions or contact their
broker or agent.
It is important that in an emergency policyholders
know how to contact their insurance company. This list provides insurer contact information. Anyone under evacuation
should contact their insurance company about what their policy covers and what
resources are available while evacuation orders are in place. Many homeowners
are unaware that their homes and renters insurance policies may include
coverage for evacuation and recovery fees.
The Division encourages evacuees to confirm with
their insurance company additional living expense coverage (“ALE”) provisions,
limits, and eligibility conditions in their policies. ALE can include food and
lodging expenditures, furniture rental, relocation and storage, and
transportation charges. Policyholders should document the date, time, and names
of individual representatives of the insurance company they speak with about
their coverage and the nature of the conversation.
In addition to contacting their insurance company, policyholders
should have copies of their policies available. The Division recommends
photographing policies for storage on a phone or smart device and uploading
those images to the cloud for future access and verification. Documentation of
health insurance information is also strongly encouraged. Evacuated residents
with refills remaining on prescription medications can contact their pharmacist
for replacements.
The Division is here to assist the residents
affected by this emergency. Policyholders who experience any difficulty with
claims adjudication regarding any losses should contact the Nevada Division
of Insurance toll-free at 888-872-3234.
Carson City office:
Phone: (775) 687-0700 |
Fax: (775) 687-0787
Consumer Compliance & Licensing Fax: (775)
687-0797
1818 E. College Pkwy., Suite 103
Carson City, NV 89706
Las Vegas office:
Phone: (702) 486-4009 |
Fax: (702) 486-4007
3300 W. Sahara Ave., Suite 275
Las Vegas, NV 89102
Call Toll-free: (888) 872-3234
Email: insinfo@doi.nv.gov
About the Nevada Division of Insurance
The mission of the Nevada Division of Insurance is to protect the rights
of Nevada consumers in their experiences with the insurance industry and
to ensure the financial solvency of insurers. For more
information about the Division of Insurance, visit DOI.NV.GOV or follow the Division on Twitter, Facebook, LinkedIn, or Instagram.
