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

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rlyans
Fri Jan 03 2020, 04:47PM
Registered Member #2076
Joined: Thu Feb 18 2010, 10:55AM
:
Posts: 4
Got my renewal policies from foremost this last week for another year. They only increased by about $20. Hoping they don’t non renew next year...

rlyans


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RH_Runner
Sat Jan 04 2020, 07:03AM

Registered Member #13942
Joined: Mon Feb 06 2017, 03:26AM
:
Posts: 157
Just received our renewal from The Hartford. About a 10% increase.

I started out with nothing and I still have most of it!
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BBTennis
Tue Jan 14 2020, 04:51PM
Registered Member #12017
Joined: Thu Jun 25 2015, 01:56PM
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Posts: 4
Does that mean that iIf my house is withing the lsited zip codes, THEY HAVE TO RENEW?
Because we just got a letter of NON-RENEWAL FROM Travelers.
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Deb Doodah⭐
Tue Jan 14 2020, 04:59PM


Joined: Sat Oct 14 2006, 01:02PM
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Posts: 4007
Yes if your house is within the zip codes listed they cannot non renew you However that doesn’t mean they won’t raise your rates.
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BBTennis
Wed Jan 15 2020, 10:21AM
Registered Member #12017
Joined: Thu Jun 25 2015, 01:56PM
:
Posts: 4
Thanks for the clarification!
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ArchJohn
Tue Jun 23 2020, 02:01PM
John Acosta
Registered Member #2033
Joined: Fri Jan 22 2010, 11:28AM
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Posts: 129
Resurrecting this long dormant thread: We just had an inspection on our house by Hartford. Seems they are requiring more than what CALFIRE requires, for example the neighbor has a tree that their branches hang over our garage. Hartford says no branches can hang over the structure. Tree trimmer says if he cuts the branches it would kill the (neighbor's) tree because there's so many of them (branches). Has anyone encountered this before?

And what is the latest news on the renewal of the policies?
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Airport Razz
Tue Jun 23 2020, 10:48PM
Registered Member #7434
Joined: Tue Feb 12 2013, 10:07PM
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Posts: 566
Yes, and one never got settled, the people sold the cabin before anyone made a big stink. Another did trimming with fingers crossed, tree didn't die, yet. Used to be just had to keep trimmed away from structure, now there is imaginary infinity line shooting up into the sky which nothing can overhang into. Need to talk to neighbor and hopefully get them on your side. Legally it can get messy. Might also have heart to heart with insurance company. A few years ago Allstate said I was responsible for removing 2 dead trees that weren't even in my yard or my neighbors. One was 4 houses down the street. Also had fight about firewood and wood fence. I had to store my firewood 30 ft away from structure, which was impossbile on my lot with how house and garage are arranged, but the neighbors pile 15 ft away on other side of a wood fence was OK. Had the inspector standing in the yard and asked him 'Well, now what'. And just how was I supposed to comply with the BS regulations. He almost had ananeurysm, but still only got 'I'll have to get back to you'. Got a retraction a week later. Who is in charge of this rodeo??????
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K&DBigBear
Fri Jul 03 2020, 08:13PM
Big Bear Dee
Registered Member #11995
Joined: Wed Jun 24 2015, 05:07PM
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Posts: 12
Here's one I haven't seen before. We just received a Notice of Nonrenewal of Homeowner's Insurance.
Reason for nonrenewal is: Increase in Property Hazards Beyond What is Normally Accepted. This notice is to advise you that a non-renewal notice was issued for the following underwriting reasons:
*Log, earth, underground and "do it yourself" homes, additions or other structures on the residence premises are ineligible: "Dwelling is Log Home" in addition,
*Dwellings with wood, wood pellet and coal stoves are ineligible: "Dwelling has a Wood Stove" Our home is a log sided home, not a full log. So, is everyone with a wood burning fireplace going to receive one of these notices? What a crock!
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CoyotePass
Fri Jul 03 2020, 10:39PM
Registered Member #2202
Joined: Fri Aug 27 2010, 11:14PM
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Posts: 166
Did you purchase the policy through an agent? They need to go to bat for you if you did. What the insurance company is saying is that you have a log home and a wood stove, neither of which you have. Your agent needs to communicate with their underwriting department and explain that to them. The people who do the drive by inspections aren't always very astute and they frequently error when it comes to wood stoves. They assume if they see a metal chimney it's a wood stove instead of a fireplace. Fireplaces aren't an issue but wood stoves are with many insurers. Likewise with the log siding. Log siding isn't an issue, but many insurers will not insure true log homes, particularly if they believe it's a kit home.

If you purchased the policy directly you need to call them and explain that they made a mistake and insist on an inspection while you're present, and allow them to see that you do not have a wood stove. You don't have to just accept their notice, you can fight it particularly since they are wrong. Fighting it and keeping the insurance is far easier in the long run than trying to find another company.
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cricket
Sat Jul 04 2020, 09:13AM

Registered Member #39
Joined: Sat Oct 14 2006, 01:47PM
:
Posts: 3741
We switched to fair plan and farmers rider. Nationwide was being ridiculous. Non renewed, then after expiration date came and went tried to send me a bill for renewal saying they decided not to enforce their woodland fire policy where they were basically cancelling us due to neighbors trees and four foot weeds. I told them if they were this bad when I did not have responsibility, and my property is perfect, I felt if something were to ever happen I wohld be in court five years try ing to make them rebuild my house. Good riddance to bad rubbish!

Summer will be here soon!
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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

Dave™
Oct 21 : 01:21pm
@Sportyj: No, it was just two days ago.


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