Insurance FAQs for Members who lost homes or property in the fires

  • I don’t understand my claim or what my claims adjuster is saying. Can you help? How does it work?
    • Please refer to your policy booklet, which provides information specific to your policy. When speaking with your adjuster, ask them to explain which section in the policy booklet or policy they are referencing. 
    • Please contact RCU Insurance Services for guidance.
  • What should I expect regarding timing from my claim?
    • The process to place your claim and receive benefits should be quick, but will vary based on your insurance carrier, your payout structure and level of claim. 
      • The initial payment should happen within days. 
      • You should get guidance from your adjuster on what to expect - if not, be sure to ask your agent for assistance.
  • Is “X, Y or Z” covered?
    • For specifics on what your policy covers, please speak with your agent or adjuster directly.
  • Why is the check made payable to me and my lender?
    • When you are still paying on a loan for your house or vehicle, the lien holder (lender) has an insurable interest in the property (as collateral), which is why checks are made payable to both parties.
  • How do I know if I have enough coverage?
    • The best way to find out if you have adequate coverage is to meet with a licensed agent who can review your policy.
    • If you do not have an agent, contact RCU Insurance Services at (707) 576-5120 so one of our agents can review your existing policies.
  • When will the moratorium be lifted so I can write or increase my coverage? 
    • The moratorium has been lifted.
  • I need more clarity on my claim – can you help me? 
    • If RCU Insurance Services is your broker/agent of record, we can assist you.
    • If RCU Insurance Services is not your broker/agent of record, contact your existing agent, or our insurance team is happy to help review your policy and claims information, and provide guidance when possible.
  • My insurance didn’t cover everything I lost, how can RCU help me?
    • RCU is offering special loan and account programs for those affected by the fires – visit www.redwoodcu.org/firereliefprograms for additional information, or contact RCU’s Financial Assistance team.
    • If you lost your home or are experiencing economic hardship due to lost or interrupted employment as a result of the fires, we encourage you to apply for financial assistance from the North Bay Fire Relief fund – visit www.redwoodcu.org/apply4firerelief to learn how.