Frequently Asked Questions
Q. Why am I being requested to provide this insurance information?
A. California state law (Title 19, Division 2. California Governor's Office of Emergency
Services, Chapter 6. Disaster Assistance Act) and the Federal Stafford Act require the
avoidance of duplication of benefits in administrating a private property debris removal
program. FEMA is prohibited by Section 312 of the Stafford Act from approving funds for
work that is covered by any other source of funding. Therefore, State and local
governments must take reasonable steps to prevent such an occurrence and verify that
insurance coverage or any other source of funding does not exist for the debris removal
work accomplished on each parcel of private property.
R. What is the basis for the reported debris removal costs?
A. The State of California has provided specific debris removal costs for each property based
on actual contractor expenses and overhead.
S. How much of the debris removal cost is the property owner's responsibility?
A. Debris removal cost is limited by the insurance policy in effect at the time of the wildfire.
• For insurance policies with separate debris removal coverage, any funds received
will go toward reimbursement of State Debris Removal Costs.
• For insurance policies without separate debris removal coverage, the County will
seek reimbursement for any unused insurance benefit.
The Property owner's responsibility will not exceed the costs incurred by the State of
California.
Q. How will the County collect the insurance proceeds?
A. The County and its representatives will work with property owners or their insurance
companies to collect insurance proceeds for debris removal (if available). If the insurance
provider is responsible, a claim will be made for reimbursement. If the property owner has
already received insurance funds, the County will request reimbursement from them, as
per the signed Right-of-Entry agreement.
R. Who do I contact for more information?
A. A hotline has been established to assist property owners who wish to speak with a
representative. The local telephone number is (530) 216-5036. We can also be reached
S. How can I drop off payments in person?
A. You can drop of items at El Dorado County Sheriff's Office at 200 Industrial Drive,
Placerville, CA 95667. Go to the reception window and let them know you are there for
the El Dorado Insurance Recovery program.