CA| The California Insurance Commissioner issued a Notice on February 14, 2025, addressing the ongoing concerns related to the 2025 Los Angeles Wildfires, specifically the Palisades and Eaton Fires. It emphasizes the importance of continued Additional Living Expenses (ALE) coverage for affected policyholders whose homes are deemed uninhabitable due to health and safety risks associated with fire debris and ash. The Commissioner urges insurance companies to exercise due diligence in determining habitability and to continue providing ALE benefits as long as public health advisories remain in effect.
Key points:
- Fire debris and ash from the wildfires contain hazardous substances that pose significant public health risks.
- Los Angeles County declared a local health emergency and issued orders prohibiting debris cleanup without proper inspections.
- A Public Health Advisory warns of increased exposure risks within 250 yards of burned structures.
- Insurance companies are required to continue ALE coverage if homes are uninhabitable, even if areas are accessible.