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As the California Wildfires continue, insurance relief is on the way. The California Department of Insurance has announced a “mandatory one-year moratorium” that “prevents homeowners insurance cancellations and non-renewals in affected areas of Southern California.” Here are some of the top things to know, including information on new resources and how Mr. Cooper can support your insurance claims process.
Who is protected by the moratorium
Insurance Commissioner Ricardo Lara has announced that the moratorium “shields those within the perimeters or adjoining ZIP Codes of the Palisades and Eaton fires in Los Angeles County for one year from the Governor’s January 7 emergency declaration regardless of whether they suffered a loss.”
That said, watch for continuing updates as protections may be made available to residents who aren’t currently protected by the mandatory moratorium. The Commissioner is asking (but not requiring) insurers to provide these benefits, as well as extended grace periods.
The Department of Insurance also reported that additional actions are being taken, such as alerting residents of evacuation benefits available under homeowners’ insurance policies.
How to find out if your ZIP code is covered
- Go to the Department’s Moratorium on Non-Renewals page and click on the ZIP code look-up tool
- Call the Department of Insurance at 800-927-4357
- Chat or complete a contact form at the California Department of Insurance’s contact page
Where to learn more about the California insurance process
For a closer look, impacted residents are invited to join either of these free, two-day workshops:
You can also call 800-927-4357 to meet personally with an expert at the Department of Insurance.
For more news on wildfire resources and California’s insurance protections, visit the:
How Mr. Cooper can help
If you haven’t already, please also visit our Wildfire Resource Center. We explain how we can help you with the insurance process, how to apply for a Disaster Forbearance Plan, and much more. We will also continue to monitor for new benefits and aid that may be available to you. Whenever you need it, we will be here to help.
For immediate assistance, please contact us at 833-685-2565 or access our Chat feature in the Help Center.
