California E&S Insurance

‘Delays, lowballs, outright denials’: how the LA wildfires have exposed the US’s broken insurance industry | Insurance industry For a few frenetic days last January, after losing their midcentury ranch home to the wildfires that ravaged Los Angeles, Jessica and Matt Conkle thought they could see a glimmer of hope. Their insurance company, State Farm, had sent emergency response teams to Altadena, where they lived, and they filed a claim right away. It wasn’t long before they received a check that covered four months of living expenses. Then the process bogged down. Like many homeowners, they imagined that since they had suffered a total loss they could collect on the full value of their coverage. Instead, they had to negotiate over the value of each of their lost possessions with a claims adjuster, only to have to start again with a second adjuster and then a third – a process they believe was expressly designed to deter them from moving forward.

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