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California Department of Insurance urges inventories, explains new content-coverage rules and post-disaster assistance
Summary
Brenda Caloca of the California Department of Insurance reviewed consumer steps before and after disasters—documenting personal property, checking hazard-specific coverages (flood, earthquake), and how to request department assistance—and summarized recent regulatory changes raising the minimum contents advance payout from 30% to 60%.
Brenda Caloca, representing the California Department of Insurance, told Villa Park residents they should document personal property, check hazard-specific coverages and keep insurance-agent contact information current to speed recovery after a disaster.
Caloca emphasized three pre-disaster steps: (1) understand policy exclusions and whether you need separate flood or earthquake insurance (noting a 30-day waiting period for new flood policies); (2) create and maintain a contents inventory with receipts, serial numbers and photos or video; and (3) obtain an updated rebuild…
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