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ROADS AND TRAFFIC
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Registered Member #4616 Joined: Sat Jul 28 2012, 04:37PM : Posts: 2670
Got the notice that the cabin insurance is cancelled effective April 2018. Says the dwelling is in a "brush area". As if it moved from last renewal.
Agent says due to the prior fire experience, all California mountain properties are effected. He did find a Lloyds of London policy for about 2x premium
What is your experience? What providers do you have? A smile is a curve that can set a lot of things straight
Registered Member #13568 Joined: Sun Oct 23 2016, 01:54PM : Posts: 2111
It is getting tougher up here. I hope the buyer of our home can get insurance. Our older cabin we used Foremost and our current place we have Ameriprise through Costco but they won't do many up here because of age. Usually it will end up with a "non-admitted" carrier such as Lloyds or Scottsdale ----------------------------
I am also with Travelers as they gave me a lot of coverage for a reasonable price. I have heard some of the large companies will not insure up here (for example, I can't get Flood Insurance through Travelers since I live in Shay Meadow which I guess is considered a Flood Plane or something). I wonder if the recent fires down in Ventura and Santa Barbara (which had substantial losses) affected decision making for insuring fire prone areas in general. -----------------------------------
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Registered Member #590 Joined: Sun Sep 02 2007, 03:24PM : Posts: 158
Allstate cancelled our policy years ago, we went to statefarm. When we called allstate to cancel our auto insurance, they said oops we made a mistake cancelling your policy. We told them sorry but we found a better company.
Registered Member #4616 Joined: Sat Jul 28 2012, 04:37PM : Posts: 2670
Thanks for all the input. I had the cabin with to DTH place but the fires have changed the underwriting. I will ask about your suggestions.. travelers, sounds good.
Craig, I thought ALL flood insurance was a government program..
A smile is a curve that can set a lot of things straight
Registered Member #31 Joined: Sat Oct 14 2006, 01:02PM : Posts: 4049
From the insurance guy in my house....
If you had both properties with them and your auto's, but they cancelled just the cabin, take your business elsewhere! You will probably find a better deal bundling all of your insurance needs into one.
Registered Member #2069 Joined: Mon Feb 08 2010, 05:57PM : Posts: 642
I thought if you live in a flood plain, your mortgage company may require flood insurance.
I asked about flood insurance, and I was told I wouldn't be covered by the federal government plan, since my place is NOT in a flood plain. I wanted it because my neighborhood dies get small flash floods when it rains.
Registered Member #228 Joined: Sun Dec 17 2006, 07:41AM : Posts: 3525
We have our Bear City place and dth home on State Farm. The home in Duarte has been with State Farm for about 25 years. When we bought the current place in 2002 we insured through State FArm, though it is a separate policy.
Registered Member #14051 Joined: Thu Mar 16 2017, 06:32PM : Posts: 492
Each year for the last three I have been kicked into a smaller pool of providers. Primarily because I have galvanized steel fresh water plumbing in a 1950 construction. I guess I repipe with PEX this summer. You can divide the world into two kinds of people: Those who divide the world into two kinds of people and those who don't!
If a door closes, open it. It's a door, that's how they work.
[CHP DISPATCH] RUNNING SPRINGS - TRAFFIC ADVISORY HIGHWAY 330 / LIVE OAK DR 1:44PM [1] 101-21 VIA MDC - CAN YOU START A TRAFFIC ADVISORY LOG FROM 1300-1700 ON HIGHWAY 330 DUE TO ALTERNATING LANES OF TRAFFIC DUE TO ROADWAY CONSTRUCTION. EXTENDED WAIT TIMES DUE TO WORK ALONG THE CENTERLINE. UPDATES: [Click Here]
@CHP Arrowhead: RT @Caltrans8: SBCO: SR-138 closed in both directions from Summit to Old Mill due to #LakeFire. Unknown duration of reopening, use alt rout… June 30, 2025 at 01:41PM
Portable they would have the fireworks show if the entire place was falling down. We are getting drift smoke but it is not that bad as of last night. Blue sky's this morning.
[UPDATE] VEGETATION FIRE in DEVORE HEIGHTS Per USFS Cable Fire Holding At 15 Acres. Hose Lay Around The Whole Fire. 30% Contained. Continue To Construct Line. DETAILS: [Click Here]
From the San Bernardino National Forest: RT @CALFIREBDU: #LakeFire 6.29.25 Evening Update: [Click Here] @SBCOUNTYFIRE @sbcountysheriff @SanBernardinoNF @SBCounty @Silver… As of June 29, 2025 at 07:10PM
From the San Bernardino National Forest: RT @sbcountysheriff: On June 29, 2025, at 6PM, The evacuation order for the area south of Highway 138 between the 15 Freeway and Highway ha… As of June 29, 2025 at 06:37PM
[UPDATE] VEHICLE FIRE in CRESTLINE Fully Involved Vehicle Fire With Trailer. Fire Is Contained To The Vehicle. No Vegetation Involved. CANCEL The Aircraft. DETAILS: [Click Here]
[CHP DISPATCH] CRESTLINE - VEHICLE FIRE HIGHWAY 18 / LAKE GREGORY DR 6:19PM [5] REPORTING PARTY ADVISE ON RIGHT HAND SHOULDER // CLOSE TO BRUSH [SHARED] 6:19PM [2] ALL PARTYS OUT OF VEHICLE UPDATES: [Click Here]