When the Camp Fire erupted in Paradise almost four years ago, Diana Love grabbed what she could before leaving her home.”I saw this huge plume of smoke and I thought, ‘Oh my God, our town was gone,’” Love said.When she returned days later, the house was gone and so was everything she owned.“I loved the house,” she said. “ I had a lot of good memories there.”Love was renting the home and unfortunately wasn’t protected.”I had thought about it like the week before, you know, I need to get renter’s insurance,” Love said. “I was looking for an opportunity to do that, but I just waited too long.”The California Department of Insurance is constantly working to make sure everyone is covered.”I think for most people, getting insurance is essential,” Deputy Insurance Commissioner Michael Soller said. “Insurance can really help somebody. We are here to make sure that it’s fair and you understand it and that when you run into trouble with an insurance company, we are here.”Soller says his agency is a watchdog over insurance companies to make sure rates remain fair. It is also there to help residents through the claim process.Residents can find help through the agency’s website or by calling 800-927-4357.”We want money back in people’s pockets as soon as possible,” Soller said.Fire insurance policies can differ from the amount of coverage needed to protect property to money to help cover evacuation expenses.”You need to have enough coverage and that’s critical,” Soller said.The experts say it’s good to take pictures of important items in your home or keep items together you know you’ll need should you have to drop everything and leave.The agency also has tips for anyone who has been through a fire disaster.Love is slowly rebuilding her life, aware of how quickly things can change. She has since moved into a new home with her partner in Magalia.”We are so grateful to be here,” Love said. “It’s a stretch on our budget, but it’s a blessing.”

When the Camp Fire erupted in Paradise almost four years ago, Diana Love grabbed what she could before leaving her home.

“I saw this huge plume of smoke and I thought, ‘Oh my God, our town was gone,’” Love said.

When she returned days later, the house was gone and so was everything she owned.

“I loved the house,” she said. “ I had a lot of good memories there.”

Love was renting the home and unfortunately wasn’t protected.

“I had thought about it like the week before, you know, I need to get renter’s insurance,” Love said. “I was looking for an opportunity to do that, but I just waited too long.”

The California Department of Insurance is constantly working to make sure everyone is covered.

“I think for most people, getting insurance is essential,” Deputy Insurance Commissioner Michael Soller said. “Insurance can really help somebody. We are here to make sure that it’s fair and you understand it and that when you run into trouble with an insurance company, we are here.”

Soller says his agency is a watchdog over insurance companies to make sure rates remain fair. It is also there to help residents through the claim process.

Residents can find help through the agency’s website or by calling 800-927-4357.

“We want money back in people’s pockets as soon as possible,” Soller said.

Fire insurance policies can differ from the amount of coverage needed to protect property to money to help cover evacuation expenses.

“You need to have enough coverage and that’s critical,” Soller said.

The experts say it’s good to take pictures of important items in your home or keep items together you know you’ll need should you have to drop everything and leave.

The agency also has tips for anyone who has been through a fire disaster.

Love is slowly rebuilding her life, aware of how quickly things can change. She has since moved into a new home with her partner in Magalia.

“We are so grateful to be here,” Love said. “It’s a stretch on our budget, but it’s a blessing.”