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Shirley Brown
Shirley Brown

Shirley Brown has been in the insurance industry since 1974 for 48 years, getting her license while she was still in college. She has worked in Personal Insurance for 44 of those years, with 4 years commercial insurance. She keeps current with trends in the industry by taking courses through the Insurance Education Association. She has worked with various membership associations for education, legislative changes and has educated clients and HOA clients by volunteering her time to meet with affected communities. Her specialty is working with seniors and persons with communication issues, helping explain claims and contracts. Her favorite saying is, “Insurance agents who love their work do not retire, they die with their license in effect.” This describes Shirley!

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  • Questions(0)
  • Answers(8)
Home Interior Self-Inspection

With our renewal notice from Liberty Mutual was a request to submit a video of both the exterior and interior of our house using a “property assistant” app. Here’s their wording: “An inspection of your property is required to confirm information about your insurance policy…

Shirley Brown answered 6 months ago • General Question • California
1628 views1 answers
Property Insurance coverage unavailable

Our carrier of 20 years left the state. Our broker found coverage for our live/work property in Berkeley at an exorbitant rate – 18$k annually with fees . In her search she said no company would insure properties in an MUR zone. We’ve had no…

Shirley Brown answered 11 months ago • Cancellation / Non-Renewal • California
402 views1 answers
Forced windstorm insurance by mortgage holder

My lender is going to force a wind insurance policy of $1493 annually despite my having a CalFAIR policy. What is cheaper, expanding my CalFAIR to include windstorms or let the forced insurance apply ? Also, I thought CalFAIR insurance was adequate for mortgage lenders…

Shirley Brown answered 1 year ago • Coverage Question • California
557 views1 answers
Electrical work needed

We (three owners in a condo situation in Berkeley, California…one house and two conjoined homes) have lost our property insurance with Allstate. I then paid $15,000 for a new roof since we were told insurers look at roof condition. Now we need to do $32,000…

Shirley Brown answered 2 years ago • Cancellation / Non-Renewal • California
507 views1 answers
Home Insurance: Prior Events Coverage or Another Solution?

EDITED for Additional Info: We had a leak in our upstairs shower that turned into a ruined ceiling, and very likely a lot of water damage in the walls from that water leaking over time. I need to make a claim for this damage, but…

Shirley Brown answered 2 years ago • Coverage Question • California
1429 views1 answers
FAIR Plan Coverage for Post-Fire Events

Would fire-related debris flow into a house be covered by the FAIR plan? I am concerned about a future disaster.

Shirley Brown answered 3 years ago • Coverage Question • California
4010 views1 answers
Binding arbitration clause avoidance

Which homeowners insurers do not use binding arbitration clauses? Is there a link, resource, etc. I can use to find out?

Shirley Brown answered 4 years ago • General Question • Michigan
955 views1 answers
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