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Socalmountains.com :: Forums :: GENERAL DISCUSSION
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Homeowner's Insurance & Fire Hazard Issues

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Jellylorum
Thu Dec 19 2019, 09:34AM Email Thread Print View

Registered Member #2069
Joined: Mon Feb 08 2010, 05:57PM
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Posts: 558
Listing of zip codes in which the insurance commissioner says policies cannot be cancelled until December 5, 2020.

[Click Here]
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Jellylorum
Thu Dec 19 2019, 09:39AM

Registered Member #2069
Joined: Mon Feb 08 2010, 05:57PM
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Posts: 558
I am hearing that if you do go with California Fair Plan, it comes with consequences.

You, the policy holder may be required to make your property very fire safe. You may be asked to rebuild decks, remove trees large and small, etc.

Your neighbors, even if NOT policy holders, may also be required to comply with things like tree and brush removal.
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rlyans
Thu Dec 19 2019, 03:06PM
Registered Member #2076
Joined: Thu Feb 18 2010, 10:55AM
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Posts: 4
Yes your right. Gives us another year...
I’ve been working with and waiting for the insurance commissioner’s office to update the easy fires zip code. I was told 92314 and 92315 would be up soon. It was up finally this morning. Yeah! Gives us another year.

rlyans


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Deb Doodah⭐
Fri Dec 20 2019, 08:25AM


Joined: Sat Oct 14 2006, 01:02PM
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Posts: 4007
Here is some information that you might find helpful regarding insurance on the mountain. My husband is in the insurance industry (not selling) and we have a place on the mountain - so he keeps close tabs on the information as it comes out.

This is the moratorium for not nonrenewing policies in the effected burn areas. Keep in mind I do believe the moratorium is good for one year.

This part is key, meaning anyone in the listed zips who have been sent notices of cancellation or nonrenewal because they live near a fire area, those notices have to be rescinded.

In addition, all admitted and non-admitted insurers writing residential property insurance in the state of California must offer to rescind any notices of cancellation or non-renewal issued since the Governor’s October 11, 25, or 27, 2019 Declarations, respectively, and offer to reinstate or renew the policies in place at the time of Declaration, if any such notices of cancellation or nonrenewal were issued on or after the date of the Declaration, were due to wildfire risk, and the properties are located in ZIP Codes identified by this bulletin.
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BBL n 805
Sat Dec 21 2019, 09:26AM
Registered Member #29178
Joined: Sun Nov 04 2018, 07:17AM
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Posts: 13
Well here's some first hand experience with this...We have had Travelers for years and received a non-renewal notice in October. We've been shopping for our options to place a new policy at the end of this month when AMAZINGLY our zip is added to the list of "protected" policies. Yeah!

Not so much.

Travelers has agreed to "renew" the old policy at $4,100.

It was $1,300 last year.

Gee thanks Travelers.
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Jellylorum
Sat Dec 21 2019, 10:02AM

Registered Member #2069
Joined: Mon Feb 08 2010, 05:57PM
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Posts: 558
An issue I ran into years ago:

My mortgage is set up with PITI. When I received a cancellation notice, they informed me that if I didn't find coverage on my own, they would purchase it for me. I didn't want to find out they signed me up with Lloyds of London, so found my own coverage.
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Deb Doodah⭐
Sat Dec 21 2019, 10:12AM


Joined: Sat Oct 14 2006, 01:02PM
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Posts: 4007
My next question to my husband was about rates and this is what he said:

So rates insurance companies charge must be approved by the state, unless they are a non-admitted carrier. Anyway, so the increases people are seeing were approved by the Department of Insurance, they were not just implemented by the insurance company. They probably had rates approved because they suffered substantial fire losses in those areas and so this is a means for them to remain solvent as well as stay in the state.

The Dept. of Insurance, DOI, wants to make sure they protect the public hence the moratorium on not cancelling policies for reasons of fire. Included in that protection is making sure the insurance companies remain solvent for if they are not they will not be able to cover losses of any kind that they are responsible to pay. If they do not have the money to cover losses then the state steps in to cover them. To recover their monies the state will then mandate a CIGA surcharge, California Insurance Guarantee Association, be collected from insureds who have that type of insurance. So if Company A becomes insolvent due to homeowner losses the state will mandate each insurance company doing business in the state collect a specified surcharge from each of their clients. This maybe something like $1.50 for each homeowner but that would include us even though we are not with Company A. It is best someone living in an area susceptible to fire to be charged a higher amount for it is unfair to make others in low fire risk areas cover the costs.

Sorry for the long windedness but people need to understand that it may seem unfair for an insurance company to charge more for a home in Big Bear than Chino Hills but it is also unfair for their coverage to be subsidized by others in non-hazard areas.

Jelly - I know this doesn't address your issue directly, so I will see what he says about the giant increase you received.
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Airport Razz
Sat Dec 21 2019, 10:34AM
Registered Member #7434
Joined: Tue Feb 12 2013, 10:07PM
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Posts: 566
Are we still paying that special 'fire tax' for living in Big Bear still or did that finally get removed?
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Jellylorum
Sat Dec 21 2019, 12:17PM

Registered Member #2069
Joined: Mon Feb 08 2010, 05:57PM
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Posts: 558
That fire tax we were paying to the state tax office, for CalFire - $135-175 per year, was suspended almost 3 years ago. That was the bill we used to receive from the state each year at the end of March.
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ArchJohn
Sat Dec 21 2019, 01:13PM
John Acosta
Registered Member #2033
Joined: Fri Jan 22 2010, 11:28AM
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Posts: 129
Thanks for posting; this is a good update to the thread on this subject from last year: [Click Here]
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Dave™
Oct 21 : 08:09pm
Me too, Sportj. I just received this text. "Your ballot for the 2020 General Election was received and will be counted. Thank you for voting!".

Sportyj
Oct 21 : 07:46pm
I got a text that my ballot was counted! Wahoo! So anyone else who is waiting (after using the drop boxes) it took exactly one week.

Sportyj
Oct 21 : 04:42pm
MtnTeach - the ballot boxes aren’t third party. They are official county elections office drop boxes.

MtnTeach
Oct 21 : 04:12pm
Dropped off mines directly at the post office, don't need a 3rd party. Ballottrax worked fine for me!

wisteria1
Oct 21 : 04:09pm
7:30 a.m. Tues - given to mail lady at Crestline Post Office
8:02 a.m. Wed - notified by ballottrax that my ballot had been received by USPS
1:16 p.m. Wed - notified my ballot had been received by SB Registrar of Voters

USPS worked fine!

Humble Daisy
Oct 21 : 03:46pm
I dropped my ballot in the dropbox at the Crestline library a couple of weeks ago, it took about a week for ballot tracker to notify me that my ballot had been received and counted.

Airport Razz
Oct 21 : 03:41pm
Yes, I was so politely informed by the Big Bear Postmaster that putting anything in the box outside is no guarantee it will get processed. They even tried to extend that non-responsibility to the box inside the PO. So basically he was telling me my mail no matter where I put it, will maybe get delivered, depending on how the post office feels that day. Amazing.

SCM ALERT🚨
Oct 21 : 03:40pm
USFS: Volunteers this past Saturday covered 488 graffiti tags, took out 5 illegal campfire rings and removed 187 pounds of trash along Deep Creek and Hesperia Falls.

The forest partnered with the @MojaveDesertLT and the US Army Corps of Engineers.

Great work volunteers! 🤝 [Click Here]

Casadelgado
Oct 21 : 03:40pm
Sport, I believe the only couple I asked said 4 days but I'll text them and ask again. All were impressed with the tracking service.

Kel
Oct 21 : 03:27pm
I dod, however, use the indoor drop at the Post Office rather than an outside box.

Kel
Oct 21 : 03:24pm
Official Absentee ballot instructs us to go to SBCountyElections.com. I dropped mine on 10/17, it was received at the SB County registrar on 10/20.

Sportyj
Oct 21 : 03:19pm
Casadelgado - Did they say how long it took for them to show up as received?

Sportyj
Oct 21 : 03:19pm
Dave - ha ha I don't know why I assumed you dropped them off last Monday! Keep me posted if yours is updated any time soon.

Casadelgado
Oct 21 : 02:14pm
We have 3 friends who used the drop box at the Library and they all have been received by the tracking. Dropping ours off tomorrow.

Rheya
Oct 21 : 01:32pm
We mailed our ballots and got confirmation that they are where they need to be


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