Governor Gavin Newsom declared a state of emergency to boost California’s readiness for a “likely historic” El Niño. Insurance Commissioner Ricardo Lara urges residents to review insurance coverage and prepare for flooding, heavy rain, mudslides, and severe weather.
Lara emphasizes the importance of knowing insurance rights and coverage before storms arrive. The California Department of Insurance offers guidance to protect families, homes, and businesses. The department will support recovery and ensure insurance companies fulfill their obligations if damage occurs.
Residents near recent wildfire areas face higher risks of flooding and mudslides from weakened hillsides. Lara reminded insurers they must cover damage from mudslides or debris flows linked to wildfires.
Reviewing insurance policies is critical. Most homeowners, renters, and business policies exclude flood and mudslide damage unless related to wildfires or other covered hazards. Wind-driven rain damage may be covered. Fallen tree damage usually falls under standard homeowner policies. Renters should check their insurance for personal belongings, as landlords’ policies do not cover these.
Consider purchasing flood insurance through the National Flood Insurance Program or private insurers. Flood policies typically take 30 days to activate, so act before storms approach. Auto insurance with comprehensive coverage may protect vehicles from flood and storm damage. Verify your policy or contact your agent.
Create a home inventory by photographing belongings and storing insurance documents safely. This step helps claim filing after damage. Secure outdoor items, clear gutters, follow evacuation orders, and gather emergency supplies.
This alert aligns with National Preparedness Month, encouraging Californians to prepare for emergencies. The California Department of Insurance is active in community events, offering information and answering questions on insurance and disaster preparation.
You can reach the Consumer Hotline at (800) 927-4357 or visit insurance.ca.gov to learn about flood insurance, wildfire coverage, and weather preparedness. Taking these steps now can protect your property and ease recovery after storms.
