California E&S Insurance

Altadena home renter, looking for others experiences with their rental insurance claims/process. We're one of the fortunate ones, our home near the Eaton Canyon entrance still stands and is visibly undamaged from the fire. Our house is a rental, and our landlord is being great thus far. We're facing the many frustrations everyone here is, regarding the safety of returning and what the process should look like. We have an infant whose health is our top concern, so we're treading very carefully. The interior of our home has visible ash throughout and still smells of smoke. Our property management company sent out an inspection company to test the ash/debris and is planning a cleaning of the home after those results have come in. I've read what I can and feel like we're moving on the right path... get an Inspection, get a professional cleaning of everything, replace anything remotely questionable, filter your air, cross your fingers... After all that, there's still the question of when is it actually safe to occupy the home and area regularly. It's mind boggling that there isn't some government entity offering metrics on the current situation and acceptable metrics for returning. I'm hoping to get feedback from other renters in the process of a renters claim, on what they've managed to get thus far or how the process has gone for them. We have a policy with Assurant that covers our belongings and has coverage for time outside the home when it's not habitable. I submitted a claim, only providing receipts for our current expenses from being displaced thus far and have yet to receive a dime. It's been virtually impossible to get anyone on the phone. In the two or so weeks since our claim was opened, I've received one call from an assistant to our assigned adjuster. At that point, she claimed the home not having electricity did not make the home inhabitable (not the "we're here to help" tone I was hoping for). I've continued to submit copies of receipts to radio silence. I'm thinking maybe getting an attorney to handle the claim is an option, I don't know if any are offering that kind of service for a rental claim with a 5-figure maximum payout. Beyond getting help like that, I'm assuming the process will be itemize everything I want replaced and fight with the insurance company about whether it's something they'll accept needs replacing and what the value is. It'd be great to get some insight from anyone else in a similar position, or anyone who has gone through something like this before. Missing Altadena daily...

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