Detailed Answer
Disclaimer: This is not legal advice. It is for educational purposes only.
When a person dies, unclaimed property can include bank accounts, insurance proceeds, refunds, safe deposit contents, or utility deposits left dormant and turned over to the state. In California, the State Controller’s Office (SCO) administers unclaimed property under the Unclaimed Property Law (Gov. Code, §§ 1500–1536).
Here is a step-by-step process heirs can follow:
- Search the SCO Unclaimed Property Database. Go to the California SCO’s website (https://www.sco.ca.gov/upd.html) and enter the decedent’s name, former city, or business name. You can also search nationally at MissingMoney.com.
- Identify potential matches. Review property descriptions, last known addresses, and account types. Note the unique claim number shown in each listing.
- Gather documentation. Heirs typically need:
- Certified copy of the death certificate.
- Proof of heirship (e.g., will, letters testamentary, letters of administration, or small estate affidavit under Probate Code § 13100).
- Completed California Unclaimed Property Claim Form available on the SCO site.
- Submit the claim. Claims can be filed online through the SCO portal or by mail. Include all required documents and the claim number for each property item.
- Wait for review and payment. The SCO verifies each claim under Gov. Code § 1510 and may request additional proof. Once approved, California releases funds directly to the heirs.
Note: If the estate is open in probate, the personal representative can include the unclaimed property as estate assets and handle the claim through probate court.
Helpful Hints
- Search under different name variations (maiden names, initials).
- Check the decedent’s last known addresses and employers to refine your search.
- Keep copies of all submitted forms and correspondence.
- Respond quickly to any SCO inquiries to avoid delays.
- If you hit a roadblock, consider consulting a probate attorney for complex estates.