What are the typical time frames for processing a fire insurance claim?
In California, the typical time frame for processing a fire insurance claim may vary depending on the type of coverage and the cause of the fire. For example, if the cause of the fire is a sudden and accidental event, such as a lightning strike or a gas leak, the insurance company must review the policy and investigate the cause of the fire within 30 days of receiving the claim. In some cases, the insurance company may request additional information about the cause of the fire or the policy before making a decision. If the claim is for a loss due to a catastrophic event, such as a wildfire, the insurance company is required to complete its investigation within 60 days of receiving the claim. However, if the company is unable to complete its investigation within that timeframe, it must provide up to 270 days for the investigation. If the claim is for a structural fire, the insurance company typically allows 90 days to complete its investigation and make a decision on the claim. In all cases, the insurance company must provide the policyholder with written notice of its decision no later than 45 days after the investigation is completed. If the policyholder disagrees with the decision, they may file an appeal with the California Department of Insurance within 60 days.
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