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Can an insurance company drop coverage due to the home being unoccupied during plumbing renovations? This occurred, and then the house was destroyed days later due to the Oak Fire. Is there anything that can be done, other than filing a complaint with the Department…

Hello, We are refusing to pay the remaining premium for our home insurance after the insurance company raised it 10 fold ($1800 to $9500+!). We received no communication regarding this raise so we were unaware and continued paying 2 months into the new premium via…

My primary home is in California. My insurer has elected not to renew my policy because my primary home is in a high risk fire area. No other admitted carrier wants to insure my home. My insurer however has agreed to write a policy with…

A 2020 California wild fire destroyed my second home. My current insurer has elected not to renew my HO policy on my primary home due to the high fire risk location of my primary home. Upon trying to secure a new HO policy from another…

Hello, Can I take my mortgage with me when I rebuild on a different lot? This is important as mortgage company sitting on the money from the insurer and if they mandate I have to pay off the loan in order to rebuild on a…

Our insurer in California increased our coverage without warning or consultation which led to an almost 100% premium increase. Is this legal and do I have any recourse other than looking for another insurer? We are in southern California and there have been fires close…

I purchased a home in November, 2021. I spoke at great length and on at least 3 different phone calls with my insurance agent going over all the details of the property. The agent viewed the mls listing of the home, pulled county records and…

Our Insurance company recommended a water mitigation company on their behalf. The water mitigation company exacerbated an issue. Is this relationship between the insured and water mitigation company or is this relationship between the insurer and water mitigation?

Hi there, We had extensive fire damage due to human negligence. The neighbor’s insurance is subpar, and they are claiming that we have to figure in “depreciation.” I’m upset to say the least. The fire damage includes a rather large retaining wall, etc. Any advice?

California Fair plan just did an inspection and has required me to paint my home! The home is cedar shingles that have been in place for decades. They stated my home is at greater risk for fire unpainted. This makes no sense at all! Paint…