Residents in Northern Nevada affected by the Davis Fire evacuations may be eligible for cost reimbursement from their insurers, according to a recent announcement from the Nevada Division of Insurance. The Division advises residents to retain receipts or records of any evacuation-related expenses if they plan to file a claim.
The Division has reached out to major insurance carriers in the impacted area regarding reimbursement during evacuation. Most homeowners, renters, and condo policies provide coverage for loss of use/additional living expenses for up to two weeks when residence use is prohibited by civil, governmental, or military authority. Some carriers offer temporary housing and food allowances based on household size. Coverage specifics are reviewed on a case-by-case basis and may have sublimits. Policyholders should review their policies or consult their brokers or agents for detailed terms and conditions.
In an emergency, it is crucial for policyholders to know how to contact their insurance companies. Evacuees under mandatory evacuation orders should inquire about policy coverage and available resources while evacuation orders are active. Many homeowners may not realize that their home and renter's insurance policies could include coverage for evacuation and recovery costs.
The Division encourages evacuees to verify additional living expense (ALE) provisions, limits, and eligibility conditions with their insurers. ALE can cover food and lodging expenditures, furniture rental, relocation and storage costs, and transportation charges. Policyholders should document conversations with insurance representatives, including dates, times, names, and discussion details.
Policyholders are advised to keep copies of their insurance policies accessible by photographing them for storage on a smart device or uploading them to the cloud. Health insurance information documentation is also recommended. Evacuated residents with remaining prescription refills can contact pharmacists for replacements.
The Nevada Division of Insurance offers assistance to residents facing difficulties with claims adjudication related to any losses due to the Davis Fire evacuations. Residents can contact the Division toll-free at 888-872-3234.
Carson City office:
Phone: (775) 687-0700 | Fax: (775) 687-0787
Consumer Compliance & Licensing Fax: (775) 687-0797
1818 E. College Pkwy., Suite 103
Carson City, NV 89706
Las Vegas office:
Phone: (702) 486-4009 | Fax: (702) 486-4007
3300 W. Sahara Ave., Suite 275
Las Vegas, NV 89102
Toll-free: (888) 872-3234
Email: insinfo@doi.nv.gov
About the Nevada Division of Insurance:
The mission of the Nevada Division of Insurance is "to protect the rights of Nevada consumers in their experiences with the insurance industry" and ensure "the financial solvency of insurers." For more information about the Division of Insurance, visit DOI.NV.GOV or follow them on Twitter, Facebook, LinkedIn, or Instagram.