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Community
Assisting Recovery, Inc. “Survivors
Helping Survivors” • 888-216-8264 • carehelp.org
This
Week’s Meeting Schedule:
One
Year Deadline Clarified There
are 3 deadlines to file a lawsuit regarding a claim against your
insurer:
None
of the deadlines are contingent on any other activity, criminal or
civil. To
avoid any unexpected complications, expense or dismissal, it is always
safest and best to rely on the shortest deadline. One year from the exact
day of the loss is the latest to timely file a lawsuit without incurring
arguments from the insurance defense attorneys that the case be dismissed
for an untimely filing. In
summary, the one year anniversary of the fires is approaching. Alleged criminal activity by a
third party will not extend any of these deadlines.
______________________________________________________________________________________________ Fighting
to get Everett VS State Farm
Depublished This
April, the In the few months
since that case was published, insurance companies—not just State
Farm—have been using the ruling against 2007
wildfire victims. The Department of
Insurance, attorneys and CARe have been working to modify or depublish
(remove from the official record) the ruling so it cannot be used against
current and future wildfire or total loss
victims. Insurance
companies (through major law firm, Luce Forward) have filed responses to
keep the case in the official record. A few of their comments defending
the case are: ·
Homeowners
always set their own coverage limits and can get more coverage simply by
asking. ·
“Alleged underinsurance affects only a fraction of
the tiny percentage of policyholders who suffer total
losses.” ·
The Department of Insurance (CDI) “proposed cure
for the rare ailment of underinsurance would be worse than the disease.”
·
“The [CDI] claims that policyholders must accept
insurers’ replacement cost estimates because insurance policies are
contracts of adhesion. This
is a complete fallacy.” CARe is providing
the results of the following
form to clarify to the State Supreme Court that homeowners do not set
their limits and cannot easily do so. http://www.carehelp.org/downloads/handouts/InsuranceCoverageSurvey.pdf
Please fill out
the attached form and return it to CARe so we can show the court that
homeowners do not set their limits. Any policyholder from any company
throughout the State may fill out the form; it is not just fire victims
who have been sold underinsurance!
Have your relatives and friends fill out the
form. Thank you for
your participation. It will
go a long way to help fire and total loss victims recover a fairer
settlement. ______________________________________________________________________________________________ Due
to the popularity of our last “Rumor” sheet and the many calls with
additional questions about the lawsuit for 2007 Witch, Rice and Guejito
fire survivors, we have again
updated our “Rumor” sheet to include a couple of new questions. For example:
RUMOR: A law
firm has been selected as the leading law firm representing Witch or Rice
fire victims. FACT: NO, a
“lead“ law firm has not been selected. Any
law firm or attorney with insufficient resources or qualifications is not
in serious consideration for lead attorney. FACT: Misrepresentations
and advertising “puffery” embedded in solicitations should be “red flags”
and treated with caution. You
can read the updated list at http://www.carehelp.org/SDGELawsuitRumors.htm
______________________________________________________________________________________________ Concow
residents look toward recovery CONCOW
-- More than 300 people packed into [more
HERE] ______________________________________________________________________________________________ American
Association of Justice ranks Allstate No. 1 among nation's worst
insurers Allstate
Insurance Co. ranked No. 1 among the worst insurers for consumer policies,
according to a new report detailing thousands of legal documents and
financial filings. [more
HERE] ______________________________________________________________________________________________ 21st-century
disaster prep tips you won’t get from
officials “…here
are some 21st century disaster and preparedness tips from Stephenson
Strategies that you won’t see on the official lists of things to do to
prepare for a disaster or terrorist attack, but that you and your
neighbors should implement NOW, so that you’ll be prepared to act
intelligently and calmly if you find yourselves on your
own.” [more
HERE]
______________________________________________________________________________________________ Humboldt
Fire started by arson say fire
officials “CAL
FIRE officials have determined arson caused the Humboldt Fire. The fire
burned 23,500 acres and caused about $34 million in property damage. Fire
suppression costs exceeded 10 million dollars.
“ [more
HERE]
______________________________________________________________________________________________ Farrel: "The
house being gone is just about like having, you know, someone you love, a
relative, that was just there all the time, but they've
died." Allison:
"It's kind of like a death in the family. It's gone and you can't get it
back." Farrel and Debbie
Allison, ______________________________________________________________________________________________ ... Help
CARe provide assistance to disaster survivors and continue our free
services: http://www.carehelp.org/contribute/contribute.htm ... For removal or
subscription to CARe, Inc mailing list, please email info@carehelp.org Community Assisting
Recovery, Inc.
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