Insurance Coverage for Hotel Stays

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Will insurance companies cover the cost of staying at a hotel during evacuation from the Thomas Fire? I'm wondering about experiences of Tea and Jesusita Fires, did hotel stays get covered for evacuation (not for loss of homes).

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Flicka Dec 15, 2017 09:58 AM
Insurance Coverage for Hotel Stays

One thing my mom learned after the Coyote Fire was that her insurance covered smoke damage, in her case the house smelled of smoke. The insurance man told her to have everything cleaned, curtains, couches, bedding, etc. Surprised and delighted the heck out of her.

mgm Dec 14, 2017 04:20 PM
Insurance Coverage for Hotel Stays

Every carrier is different, better to call your carrier and ask what coverage's you specifically have.

a-1524714590 Dec 14, 2017 03:55 PM
Insurance Coverage for Hotel Stays

It's a little like health insurance.... if you have an low cost policy you can easily afford it probably won't cover anything but it'll give a false sense of security. If you pay for a decent policy with coverages that actually help you you are in good hands. The only way to find out which one you have is to call your agent.

a-1524714590 Dec 14, 2017 09:32 AM
Insurance Coverage for Hotel Stays

Advice from ten years ago will not help you. Yes, it's been that long! Like others have said, call your insurance carrier or read your policy.

a-1524714590 Dec 14, 2017 09:34 AM
Insurance Coverage for Hotel Stays

Also, if you find out they do not cover it, the Chumash was offering free rooms to evacuees, you may want to check if that is still the case.

SBSand Dec 14, 2017 08:49 AM
Insurance Coverage for Hotel Stays

If you have a mandatory evacuation (not voluntary) then you have coverage from your Homeowner's and Renter's insurance policies. They typically pay up to 14 days, some will pay up to 30 if it is a long one. Also, some of the companies will waive the deductible and in California they typically don't charge you for claims that are a CAT (catastrophe) loss like this one. Each carrier is a little different so it's best to contact your insurance company claim's department DIRECTLY and file a claim if you have had to mandatory evacuate. If your home is close to the fires and has a chance of being damaged by fire or heavy smoke you may as well get started because they have a lot of claims coming in. Calling the insurance company directly saves time and you can google their claim reporting number if you don't have it handy.

a-1524714590 Dec 14, 2017 08:46 AM
Insurance Coverage for Hotel Stays

When we were evacuated for the Jesusita fire we had a per diem reimbursement to cover lodging, meals and essentials. I think it was like $250/per day

a-1524714590 Dec 14, 2017 08:26 AM
Insurance Coverage for Hotel Stays

It depends on your coverage, why don't you ask your insurance carrier? I know my rental policy covers up to 2 weeks for fire evacuation.

shorebird Dec 14, 2017 08:05 AM
Insurance Coverage for Hotel Stays

It depends on if that is in your insurance contract. It varies depending on what you insured for. Read it.

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