If you suffer damage to your home due to a natural disaster, you may need to file a homeowners insurance claim. Waiting for your insurer to process your claim can be frustrating, particularly if the process is not going as fast as you want. At some point, you might...
Insurance Law
Can you borrow against your life insurance policy?
If you have a life insurance policy in California, you are likely paying some pretty high premiums. Even though your beneficiaries will be more secure in the long run in the event of your untimely demise, you may be seeing much of the benefit. There is, however,...
Do you know the cost of rebuilding your home?
You have a tremendous amount of time, effort and money invested in your home. To protect this investment, you have a homeowner’s insurance policy. If a natural disaster, such as a wildfire, destroys the property, you may want to rebuild. Does your policy cover the...
What makes many insurance policies difficult to read?
Because your insurance policy should cover damages from natural calamities that could devastate your property, you want to make sure the policy you apply for meets all your needs. Unfortunately, some property owners find a policy is too confusing to understand but...
Understanding the geological effects of earthquakes
California residents recently awoke in the early morning hours to the all-too-familiar shakes of an earthquake. According to USA TODAY, a series of earthquakes recently hit the San Fernando Valley, an area ripe with fault lines. The temblors’ magnitudes reportedly...
Does your California business need flood insurance?
While California law does not require business owners to have flood insurance, this type of policy can protect your livelihood. However, it can be difficult to determine how much coverage you need and whether your location has a significant flood risk. Review these...
AB 5 mandates unemployment insurance for ride-hailing companies
As Uber became a household name in cities all over the world, the ride-hailing company continued to classify its drivers as independent contractors. In January 2020, California began enforcing a law, Assembly Bill 5, requiring both Uber and Lyft to categorize drivers...
Pacific Gas Electric reaches possible settlement for wildfires
The wildfires that ravaged California in 2015, 2017 and 2018 caused an extraordinary amount of damage. Because they resulted from improperly maintained power lines belonging to Pacific Gas & Electric, the company holds the liability to all those affected by these...
How have insurance laws changed in 2020?
Like most California residents, you probably rely on insurance to protect your finances in the event of a catastrophic event. You may even carry insurance on a small business along with your homeowners, auto and life insurance policies. At the beginning of 2020, many...
What happens if I am not truthful on my insurance application?
When you secure an insurance policy, for anything from a company car to commercial rental property, the insurer will ask you many questions about you and whatever it is you are insuring. The insurance company can verify some of the information you provide, but other...
