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What questions do you have around the Carr Fire?

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Insurance

jeffrey maze inside Redding City Limits
August 29, 2018, 11:29 AM

Our insurance does not have "specific and separate" debris removal coverage. My understanding from the city's ROI form is: that the city is only entitled to the " unused benefit amount" after the residence is rebuilt. In our case, it is very unlikely that there will be any unused benefit amount. At what point is the determination made that there is an "unused benefit"?

6 comments

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City Manager's Office over 1 year ago

If you don't have specified debris removal coverage, then your insurance won't pay anything toward your debris removal... but CalRecycle will still clean your property along with everyone else who has submitted an ROE. This is one of the benefits of filling out an ROE and participating in the CalOES program.

 

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Susan Clarke over 1 year ago

That is a benefit for those without insurance , but it isn’t much benefit for those with insurance who have to pay for,
not only their own clean-up, their neighbors without insurance clean-up, and then their own, out-of-pocket, pool clean-up too...or am I missing something?

 

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City Manager's Office about 1 year ago

I'm not sure what you mean about it not being a benefit for those with insurance. Your insurance is not paying for anyone else's clean up but your own. If you have insurance, you can use the "debris removal" portion to pay for clean up on your property that may not be done by CalRecycle - possibly things like tree removal, outbuilding clean up, or other debris that falls outside of the ash footprint of the home. If there is anything left after you've paid for those things, the County/City may collect it to mitigate the costs of removing debris from your property. If there isn't anything left, they won't collect anything. Uninsured homeowner costs will not fall on the insured homeowners. If you have further questions, feel free to call our office and we can provide further explanation.

 

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Susan Clarke about 1 year ago

We have approximately 20k for debris removal, but it was our understanding, after two phone calls, that CalRecycle would take that, and we were left with the pool mitigation. If its’s the other way around, that makes much more sense under the circumstances. Thank you!

 

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Susan Clarke about 1 year ago

The ‘circumstances’ being ...some are paying nothing, while we would be paying plenty, but still have pool mitigation to deal with, after the ash.

 

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City Manager's Office about 1 year ago

Feel free to clear this through the DROC, but we were told that homeowners could use the "debris removal" portion of their insurance claims to pay for debris related expenses... just keep your receipts. If there is any money left from that portion of the insurance when you are done, then City/County will collect it to send to CalRecycle. If there is nothing left, then there is just nothing left to remit to CalRecycle.
If they don't have insurance, their debris would be removed, but they would have to pay for their pool, trees, landscaping, rebuilding their home, etc. on their own. You have insurance to take care of those expenses. Without insurance, they will only be able to have their fire debris removed.

 


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