Claims for damage to, or loss of, a dwelling structure under a policy of residential property insurance are paid at full value up to one million dollars ($1,000,000) or the policy limit, whichever is less. All other claims, including automobile and personal injury claims, are paid at full value up to $500,000 or the policy limit, whichever is less.
Complete the following steps to continue your claim
- Collect relevant documents, including claim records, policy information, and legal papers.
- File Proof of Claim with Liquidator
- Notify CIGA of the claim and date of loss
- If you do not hear from CIGA within a month from the date the company was liquidated, please contact us.
CIGA operates in accordance with California law
CIGA is authorized to pay and discharge only certain “covered claims” as that term is defined under California Insurance Code Sections 1063.1 and 1063.2 subject to additional statutory and case law limitations. The “covered claims” that CIGA is authorized may be more limited and/or restricted than the coverage that would have been afforded under the policy issued by the insolvent and liquidated insurer. To qualify as a “covered claim” for CIGA, the claim must satisfy all the requirements set forth in California Insurance Code Sections 1063.1 and 1063.2, including the requirement that the claim must be presented to the Liquidator in this state, if any, or CIGA on or before the last date fixed for the filing of claims in the domiciliary liquidation proceeding.