Many insurance carriers have wildfire preparedness guidelines on their websites as well as home inventory sheets, software and/or mobile apps, but information can be challenging to locate. Look in their Claims Centers or use their search engines.
Among its many responsibilities, your state’s insurance commission is charged with protecting and advocating for consumers. If you have a question that you have not been able to resolve about how a claim is being handled or want to file a complaint, they can investigate and intervene on your behalf.
ConsumerAffairs.com – Comparison of Homeowner Insurance Companies
A good place to start when researching various insurance companies, presented by a consumer advocacy organization.
Insurance Information Institute
Dedicated to improving the public’s understanding of what insurance does and how it works. For information on homeowner’s insurance, including average premiums by state, look under the Consumer section. For information on disaster preparedness, look under Disasters. There’s also a list of Claims phone numbers for hundreds of insurance companies.
Rocky Mountain Insurance Information Association
RMIIA represents property and casualty insurers in Colorado, New Mexico, Utah and Wyoming. Its full-time job is to help consumers, the media and its partners better understand insurance. The website offers in-depth information on a wide variety of topics, and is exceptionally user friendly.
National Association of Public Insurance Adjustors
Public adjustors work for the homeowner, not the insurance company, so if you feel you must use one, it’s important to check references and choose wisely. Public adjustors who belong to NAPIA are committed to getting certified, promoting a rigid code of public ethics and continuing their education.
United Policyholders An independent non-profit consumer advocacy organization. Provides free information and tips plus resources to help homeowners deal with major loss insurance issues.