We're evacuees from Carr Fire. We bought renters insurance on Thursday morning & received a policy/welcome letter. Thursday night we were evacuated. Friday afternoon the insurance company emailed saying they could not sell us policy & cancelled it.

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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: Jul 29, 2018

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Insurance Question from Redding, CA

Asked on 07/29/2018

We're evacuees from Carr Fire. We bought renters insurance on Thursday morning & received a policy/welcome letter. Thursday night we were evacuated. Friday afternoon the insurance company emailed saying they could not sell us policy & cancelled it. We are evacuees from the Carr Fire in Redding, CA. Could someone just consult us on a renters insurance issue? Please

Answer given on July 31, 2018

It is sad that this fire is causing so much grief. However, in your case, the Carr fire was already started when you purchased your insurance policy. The agent or company who agreed to issue the policy should not have done so, since there was already a situation that would pose the likelihood of a loss to the insurance companies.  When this sort of situation arises many, if not all, insurance companies will put a moratorium on new policies in the affected area.  I am sure the moratorium had already been issued before you attempted to purchase insurance for your property.  

New insurance will not be available in the fire area until the fire has been at least contained, and the companies may wait until it is under control and/or out.  You would then be eligible to purchase insurance. If you did not lose everything in the fire, please do purchase insurance when you can so you won’t be in this situation in the future.


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