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My house burned down last month. I was told by the adjuster that she had 10 days to provide her estimate of the construction costs and 21 days to provide her estimate of my contents replacement. It has been more than 21 days, so I am wondering what exactly the laws surrounding this issue are. Is there a deadline for providing a contents damage estimate? What is the deadline? What are the consequences to the insurer if they do not meet the deadline?


2 Thoughts on In CA, how long does an insurance company have to provide their first damage estimate after a house fire?
  1. Reply
    Todd C
    April 18, 2013 at 9:10 pm

    CA requires a status from the insurance company every 30 days. They are not required to settle within that time but if not, they need to explain what is pending. If it’s been longer then 30 days and they have not given you a status you may want to file a complaint with your states Dept of Ins. But why not call your adjuster direct first and ask for a time frame.

  2. Reply
    April 18, 2013 at 10:09 pm

    Normally, there’s a 30 day time frame, for the adjuster to get the BUILDING replacement cost estimate to you. But it’s up to YOU to get the detailed inventory list to the adjuster for your contents – she has NO idea what you have, when you bought it, or how much you paid. The clock doesn’t start ticking on the contents, until YOU have provided her a list.

    Regarding the deadlines – these are likely “Best Practices” or the insurance company’s own standard. There’s no real penalty for violating them, but if you think the insurance company isn’t working the claim in a timely manner (highly subjective), you can file a complaint with your state insurance commissioner.

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