Kelly Hosner: Insurance Broker

The CA Department of Insurance just requested that insurers extend loss of use for the 2017 and 2018 wildfires to 36 months.

16 months later, CalFire investigators determined the cause of the Oct 2017 Tubbs Fire.

We are getting some much needed rain, but it is still fire season. Are you prepared for an emergency evacuation?

I’ve been swamped helping people shop for homeowners insurance thanks to non-renewals due to wildfire concern. Grateful to have the CA Fair Plan! The article didn’t mention the fact that you can also get a second difference in conditions policy for the other types of claims their limited policies do not cover. CA Fair Plan only responds to property losses due to: Fire & Lightning Internal Explosion & External Explosion... Windstorm & Hail Riot & Civil Commotion Smoke Aircraft Vehicles Volcanic Eruption Vandalism & Malicious Mischief Difference in Conditions policies respond to losses caused by: Personal liability or medical Theft Falling Objects Weight of Ice/Snow Accidental Discharge or Overflow of Water or Steam Freezing Breakage of glass

Got earthquake insurance? CA Earthquake Authority is not the only player in the game! GeoVera and Pacific Specialty offer excellent earthquake policies too.

As promised, we returned, today, to the problems of firestorm home owners and their soon-to-expire additional living expenses provided by insurance companies . ...For many, those payments to cover rent and other needs run out with the second anniversary of the fire. We were surprised to learn how many people are impacted. Michael Grossman of Sonoma County told us that as of today, 831 of 5400 destroyed homes have been rebuilt. Of those remaining, roughly 2100 face the cut off in payments by insurance companies that will not extend their benefits. Some, like Chubb, CSAA and Farmers have done so. Others including State Farm and Allstate, have not. Alan Williams of Fountaingrove is semi-fortunate, but still a victim because while work has begun on his home, he'll be paying roughly $6k per month until maybe January 1st. Another resident, Jim Robertson of Fountaingrove, moved to Montana two weeks ago because he would be losing $3000 a month staying here. Lisa Frazee of Wikiup is in the worst shape of everyone. She had 14 months of delays due to being in a geohazard zone. The lot is clear. That's all. She says delays by State Farm didn't help, either. "They keep changing adjusters." Now, Lisa has begun a petition drive to implore insurance companies to, "Do the right thing," and extend their ALE coverage to victims. Since the fire, California law now requires insurance companies to provide three years of alternate living expenses, not two. "They should see that as a guideline," said Frazee. Sonoma County Supervisor Shirlee Zane told us today she's disappointed by the insurance companies' behavior, and State Farm in particular. "Of every ten horror stories, eight or nine of them are about State From," she said. "I feel really angry at this insurance companies that they put profits ahead of people. It is sad when people are suffering," she said. "They are re-traumatizing fire survivors right as we approach the second anniversary." More tonight at 4 and 6. We'll begin by updating the plight of Coffey Park's Larry Keyser, who described his ALE frustrations for us late last spring. "We might make the deadline. No guarantees." And Sonoma County's Firestorm woes keep on coming.

This is why insurance rates are going up, and why so many don’t want to renew policies, not to mention decline new policies.

Never a dull moment! Insurance agents see weird stuff.

All he needs is a sparkler

Sad, but true. Insurance companies are limiting their exposure in these areas by non-renewing existing homes, jacking up rates and declining new policies.