Requesting certified cope of policy

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 19, 2018

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Insurance Question from Magalia, CA

Asked on 11/19/2018

Requesting certified cope of policy My insurance company says it can’t give me a certified copy of my insurance policy. All my documents were lost in the camp Fire in Paradise ca. And I need and accurate account of my coverage. I will be using my brother in laws email. Thanks Ann J

Answer given on December 19, 2018

I’m sorry you suffered a loss in the Camp Fire. The insurance company does have a record of your homeowner insurance coverage in their records. They can send you a copy of the policy, but a certified copy really is not necessary.  A simple copy of the policy should suffice for you to file a claim with the insurance company. Often times an insurance policy is destroyed in a house fire and the insurance companies are equipped to handle this situation.

If you have an attorney requesting the certified copy, they can call the insurance company to discuss this, but again a certified copy does not affect the insurance coverage and how the claim will be handled. You can simply proceed with your claim with the insurance company.  If you want to see your coverage, a copy of the policy can be emailed or sent to you at an address you provide them. There should also be some place where you can meet face to face with an adjuster about your claim.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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