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Think Your Homeowners Insurance Payout Is Too Low? Here’s How to Push Back
May 9, 2025
Think Your Homeowners Insurance Payout Is Too Low? Here’s How to Push Back

Many wildfire survivors in Los Angeles are running into the same frustrating pattern after filing their insurance claims. The payout falls short of what they need to rebuild, or the check might only cover part of the damage based on a computer-generated estimate that doesn’t…

California home insurance costs likely to continue rising for years to come, says expert panel
May 8, 2025
California home insurance costs likely to continue rising for years to come, says expert panel

Leading housing insurance experts gathered in Sacramento last week for a panel discussion around the state’s home insurance crisis hosted by the Center for California Real Estate (CCRE). Among key insights shared by panelists, Stanford University Climate & Energy Policy Director Michael Wara predicted California’s…

L.A. fire survivors accuse State Farm of delaying claims. Should it get OK for a rate hike?
May 5, 2025
L.A. fire survivors accuse State Farm of delaying claims. Should it get OK for a rate hike?

Rossana Valverde’s Pasadena home of 35 years is still standing after Los Angeles County’s devastating January fires — but more than 100 days later, she and her husband still can’t move back in. That’s because they’re waiting for their insurer, State Farm, to approve and…

Insurance ‘re-underwriting’ is on the rise in California. Here’s how I fought State Farm and won
May 3, 2025
Insurance ‘re-underwriting’ is on the rise in California. Here’s how I fought State Farm and won

State Farm, my home insurer for the past 25 years, recently wrote to enumerate several “positive measures that should be taken to reduce the risk for loss.” That sounded positive enough — until I read that if my husband and I didn’t comply, including installing…

Colorado proposes FAIR Plan surcharge for home policyholders
May 2, 2025
Colorado proposes FAIR Plan surcharge for home policyholders

The Colorado Division of Insurance is considering regulation that would allow insurers to pass on their costs to support the state’s new FAIR Plan, homeowners insurance of last resort, to policyholders through a surcharge. Read more.

California High Court Refuses to Nix Fire Smoke Insurance Ruling
May 1, 2025
California High Court Refuses to Nix Fire Smoke Insurance Ruling

Insurance coverage for wildfire debris damage will remain limited under California law after the state’s high court denied requests to depublish an appeals court ruling favoring insurers. Consumer and policyholder groups filed their requests to depublish just days after a California insurance regulator issued a…

Residents whose homes survived the wildfires are facing issues with their insurance claims
May 1, 2025
Residents whose homes survived the wildfires are facing issues with their insurance claims

People whose homes survived the deadly Eaton and Palisades fires are considered the lucky ones while they are surrounded by neighbors who lost everything. Those residents worry their homes may never be safe to live in again. Some very dangerous materials burned in the fires,…

California moves to create public wildfire algorithm to ease insurance crisis
April 23, 2025
California moves to create public wildfire algorithm to ease insurance crisis

Fire and insurance experts convened on Tuesday to help California take a step toward solving its insurance issues with big data. “We are here to try to tackle a crisis.,” said panelist Amy Bach, who heads the nonprofit advocacy group United Policyholders in San Francisco.…

Ensure you’re not underinsured
April 21, 2025
Ensure you’re not underinsured

As someone who’s worked in the insurance industry in one way or another his entire career, nothing brings me more sadness than to see people who’ve experienced catastrophic loss. Loss of that magnitude is devastating, so I speak so much on preparing for it in…

For L.A. Residents Whose Homes Burned, Aging Complicates What Comes Next
April 19, 2025
For L.A. Residents Whose Homes Burned, Aging Complicates What Comes Next

Sandra and Tom Johnson were at home in Los Angeles County one January night, watching the news of the Palisades fire on television, when a neighbor knocked on the door. He wanted them to see it: flames in the mountains in nearby Eaton Canyon. Within…

For L.A. Residents Whose Homes Burned, Aging Complicates What Comes Next
April 19, 2025
For L.A. Residents Whose Homes Burned, Aging Complicates What Comes Next

Losing your home in a disaster when you’re at or near retirement age can derail your finances and jeopardize the funds you were counting on. Sandra and Tom Johnson were at home in Los Angeles County one January night, watching the news of the Palisades…

Colorado lawmakers propose insurance fees to tackle rising home coverage costs.
April 17, 2025
Colorado lawmakers propose insurance fees to tackle rising home coverage costs.

Colorado is in the middle of a growing problem with home insurance. Over the past several years, people living in the state have watched their insurance costs go up and their options shrink. Some homeowners have been dropped by their providers altogether. This has happened…

Officials issue warning as California homeowners are faced with unexpected obstacle in wake of catastrophe
April 16, 2025
Officials issue warning as California homeowners are faced with unexpected obstacle in wake of catastrophe

As wildfires become more frequent and destructive in the U.S., surviving homeowners are being hit with a second wave of hardship — from their insurance companies. In California, where fire risk is especially high, some residents are being denied insurance coverage, leaving them with costly…

Why the insure-to-value discussion is more important than ever
April 7, 2025
Why the insure-to-value discussion is more important than ever

As Greater Los Angeles moves forward with cleanup and rebuilding efforts following the January wildfires, many property owners may soon face another wave of distress. In an interview with CNBC, Amy Bach, executive director of nonprofit consumer advocacy group United Policyholders, shared that as many…

State’s new fire maps won’t push up insurance rates, industry says
April 4, 2025
State’s new fire maps won’t push up insurance rates, industry says

After seeing his premiums quadruple in the past three years, Shawn Faircloth wondered if a new wildfire designation could spell yet another insurance hike for his San Juan Capistrano home. “I’m assuming they will leverage up my rates even more,” said Faircloth, 49, whose home…

Tornadoes will become more frequent in coming weeks. Here’s what to know if your home is destroyed
April 4, 2025
Tornadoes will become more frequent in coming weeks. Here’s what to know if your home is destroyed

An average of 1,200 tornadoes hit the United States yearly, and the country will probably get more killer supercells spawning tornadoes and hail as the world warms, according to a 2023 study. That study also warns the severe storms are edging eastward to strike more…

Tornadoes will become more frequent in coming weeks. Here’s what to know if your home is destroyed
April 4, 2025
Tornadoes will become more frequent in coming weeks. Here’s what to know if your home is destroyed

An average of 1,200 tornadoes hit the United States yearly, and the country will probably get more killer supercells spawning tornadoes and hail as the world warms, according to a 2023 study. That study also warns the severe storms are edging eastward to strike more…

A broken system is keeping California homes underinsured. Millions have no idea they’re at risk
April 2, 2025
A broken system is keeping California homes underinsured. Millions have no idea they’re at risk

Using faulty algorithms and flawed processes, the state’s biggest insurance companies routinely underestimate what their clients will need to rebuild. For wildfire survivors, it’s a gut punch at the worst possible time. Mike Kubo had found only enough time to grab a few bags of…

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