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Socalmountains.com :: Forums :: FIRE DISCUSSION
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Fire Insurance

Author Post
rsbruce
Sat Aug 24 2019, 02:57PM Email Thread Print View
Registered Member #13219
Joined: Sun Jul 31 2016, 08:48PM
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Posts: 62
I have been seeing discussions in chat regarding fire insurance in the mountain communities so thought I would share this:
[Click Here]

The above link is titled "New Data Shows Insurance Is Becoming Harder to Find as a Result of Wildfires"

RSBruce

"Don't believe everything you read on the Internet" - Abraham Lincoln
“I’ll be darned!! First time I’ve seen anything fake on the internet!!” - Energy Secretary Rick Perry - August 2019
“Don't let your mind wander, it's far too small to be let out on its own.”
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rsbruce
Sat Aug 24 2019, 03:02PM
Registered Member #13219
Joined: Sun Jul 31 2016, 08:48PM
:
Posts: 62
Here is a related article:
[Click Here]

RSBruce

"Don't believe everything you read on the Internet" - Abraham Lincoln
“I’ll be darned!! First time I’ve seen anything fake on the internet!!” - Energy Secretary Rick Perry - August 2019
“Don't let your mind wander, it's far too small to be let out on its own.”
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Van
Sat Aug 24 2019, 04:16PM
Registered Member #71
Joined: Tue Oct 24 2006, 05:21PM
:
Posts: 399
Actually insurance is not hard to get. The Fair plan has to offer insurance and is a fantastic option along with a companion plan. Better than going with a non-admitted carrier
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Jilly
Mon Aug 26 2019, 05:46AM
Registered Member #2070
Joined: Tue Feb 09 2010, 10:37AM
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Posts: 30
What is a "non-admitted" carrier? I haven't heard that term before.
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Van
Mon Aug 26 2019, 07:51AM
Registered Member #71
Joined: Tue Oct 24 2006, 05:21PM
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Posts: 399
talk to your insurance broker but non-admitted plans don't conform to California laws or submit their pricing to the state for review. They are also not guaranteed to pay out claims if they are insolvent.
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Rad Cabin
Wed Aug 28 2019, 10:22PM
Registered Member #14212
Joined: Fri Jun 09 2017, 07:45AM
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Posts: 4
We are in Fawnskin and received Notice of Non-Renewal from Lloyds about 7 weeks ago. We immediately contacted our Broker in BB and left numerous messages for the next few weeks but they never replied or called back. Based on recommendations on this site, we contacted Russ Humphrey's Associates Insurance in BB and Marc Massey (909-866-9626 ext 206) hooked us up with CA admitted carrier American Modern with a full comprehensive coverage (no FAIR plan needed) policy for less than Lloyds was and more coverage. Thank you for those that recommended Russ Humphrey's and thank you Marc for both answering all of our calls and setting everything up in just a few days.
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Arrowbear Rider
Fri Aug 30 2019, 07:10AM
Registered Member #81450
Joined: Wed Aug 28 2019, 02:56PM
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Posts: 3
Hello all, this discussion regarding insurance is the main reason I signed up after just reading postings on the site for the last 2 months. I've lived in Arrowbear for almost 4 years and every year my fire insurance has gone up and one of the main reasons I bought a home up here was to avoid rent increases (and potentially bad rental neighbors); but property tax assessments for fire and insurance increases has gone up more than rent would have! At least I have good neighbors, or lack of, and pride of ownership.

Last year my fire insurance premium had risen to $1208, this year it went up to $2,080 and I called to make changes, but I was a day or two after my escrow account made the payment and it was too late, insurance company had 25% (3 months) minimum unearned premium clause that if canceled early they get to keep. Even if the policy date hasn't occurred yet and was after the premium was paid; once they have it and applied to the account it's theirs!

I called my agent who told me about all the insurance companies that pulled out after the fires last year; some went bankrupt and didn't pay out claims. She set me up with the Fair Plan and it went down over $500 per year. It would have gone down more if I hadn't had to wait 3 months for that "unearned premium" to be "earned". Three months ago the quote was a little over $700 cheaper and rates went up again.

So, find an agent that writes Fair Plan and write ASAP because those prices can change too.

If anyone is interested I can post my agent's info, but this isn't a commercial so I left it off.



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Dave™
Fri Aug 30 2019, 08:14AM

It's been 50 years and counting...
Registered Member #30
Joined: Sat Oct 14 2006, 12:59PM
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Posts: 1545
Welcome to the site Arrowbear Rider!

"A sad day is seeing Big Bear in your rear view mirror" - @llen


" A billion here, a billion there, and pretty soon you're talking real money" -attributed to Everett Dirksen


"If God wanted us to vote, He should have provided candidates." - The Kingston Trio
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©ammy ⭐
Fri Aug 30 2019, 08:46PM


Joined: Sat Aug 19 2006, 06:01PM
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Posts: 13055
Yes, welcome Arrowbear Rider! And thanks for sharing your experience here on the site.
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Kenai
Oct 19 : 08:30am
As far as BVES wiring goes, up here in Surgarloaf it looks like something out of the 1800's with wires running every which way, My house is fed from a spice off of wires down the middle of the street. I would much prefer if it all was underground.

BootsNBridles
Oct 18 : 10:25pm
I'll try to find the legal discussion on this and repost it here.

Benny ⭐
Oct 18 : 09:50pm
Naw, it's specific to the threat, could be anywhere from hours to days. In our area it would generally be less than 24 hrs. Up in norcal they had had a multiday event so the outage duration followed.

BootsNBridles
Oct 18 : 08:53pm
This is not just a few hours folks. The new law prescribes very specific actions that a power company must follow once they've shut down. None of those actions can take place in a few hours- more like a few days.

©ammy ⭐
Oct 18 : 08:47pm
ButlerPeakFire - What took them so long to getting around to figuring out they needed to upgrade their system to be less prone to starting fires during conditions that we've been seeing, well....forever?

ButlerPeakFire
Oct 18 : 08:42pm
BVS follows SCE standards and works with the same contract design firms. Mine being one of them. They are currently starting to upgrade their systems for covered conductor. This should help strengthen their system against outages and phase to phase arcing that can create wildfires.

Benny ⭐
Oct 18 : 08:24pm
Yeah, it's all more or less the same thing... thankfully, we don't get the real strong Santa ana winds as in the valleys, passes and canyons.

Charles
Oct 18 : 08:23pm
Oh, I forgot about BVES. Thsts the same thing Edison has going. I think its being mandated by the PUC. Two weeks ago Edison had lots of warnings and some turn offs. This week there are warnings but not in this area. Some in San Berdo though.

Benny ⭐
Oct 18 : 08:01pm
We're not SCE, we're Bear Valley Electric Service (Big Bear Valley). This is the new standard to try and prevent the ignition of wildfires during times of high fire danger.

It's a proactive approach to protect life & property. [Click Here]

Charles
Oct 18 : 07:44pm
0n the Edison outage information web page, I dont see any of our nearby areas currently being considered for wind related shutdowns. Am I wrong.

rsbruce
Oct 18 : 07:29pm
I am a bit concerned that people are "normalizing" the behavior of the power company's potential shutdown of our power by comparing that to TRUE preparedness for disasters! This is a power company created crisis, NOT a natural disaster.

Benny ⭐
Oct 18 : 07:21pm
Remember we went through this same fire drill less than a week ago and power wasn't cut, this will be a weaker Santa Ana event, so I wouldn't lose any sleep over it. Always be prepared just in case!

Benny ⭐
Oct 18 : 07:14pm
I'll think you'll be ok for a few hours if you plan ahead... Imagine a winter storm with trees down again that takes the power out for days. At least this you can see coming and prepare for.

SCM ALERT🚨
Oct 18 : 07:11pm
Boots, do you have a generator?

BootsNBridles
Oct 18 : 06:49pm
being prepared for those other things is not the same as cutting power if you have a well and livestock to water!!



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