Archive | Homeowners Insurance

High Wildfire-Risk Homes in California May Have New Rules

The Woolsey Fire. The Thomas Fire. The Camp Fire. The entire town of Paradise, California was consumed by flames last fall, with almost 14,000 homes destroyed and 85 people killed, making it the deadliest U.S. wildfire in the last 100 years.

Over the last few years, California has seen some increasingly deadly wildfires, and they have spurred lawmakers to consider regulations that would tighten local governments’ requirements for new housing developments in high-risk areas. Continue Reading →

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Do You Have a Broken Sewer Line?

It’s every homeowner’s nightmare: sewer water flooding from toilets across the floor. It’s not just water damage, it’s water damage of the worst kind. While not always preventable, there are signs that you may have a clogged or broken sewer pipe, and if you notice these items, do not delay in getting a sewer drain expert to your home immediately. Continue Reading →

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How To Prevent a Chimney Fire

It has been a very cold year so far, especially for us in Southern California. Plus, we’ve had more storms recently than over the last few years combined! All of that together may make you think about putting a few logs in the fireplace and lighting it up. Nothing is as cheerful and cozy as a fire on a chilly day.

But before you put a match to those logs, please review these tips on how to prevent a chimney fire. A chimney fire can burn a home to the ground, cause people to lose their lives, and are mostly due to lack of chimney care and maintenance. Continue Reading →

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Your Home Fire Extinguisher: How to Inspect It and Why

Do you have a fire extinguisher in your home, ideally by the kitchen? If not, you should, as it’s something most people don’t think about until they are in need of one. And even if you have one, it’s no good to you if it’s not in working order.

This is why you need to inspect your home fire extinguisher regularly, to ensure it works when you need it most. Continue Reading →

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Don’t Let Your Christmas Tree Ruin the Holidays

Christmas trees are beautiful, and such a symbol of the holidays. Bright lights, ornaments from years past, and gifts gathered underneath. But they can also be deadly—a tree and gifts can catch fire in as little as 60 seconds, and completely burn within 10 minutes, thanks to the combination of the tree’s dryness, electrical lighting malfunctions, and heating sources in the wrong places. This usually happens while the family is asleep, making smoke detectors even more essential. $13 million—that’s how much property damage costs Christmas trees create annually!

But still, how can you resist a live tree? If you have to have one, please follow these safety precautions at all times to keep your family, guests and friends safe: Continue Reading →

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Travelers Reports Most Expensive Cause of Damage is Fire

Last week, we talked about the most frequent reasons for insurance claims. This week, we’re reporting on the most expensive causes of damage.

Those of us in the west, especially California, are no strangers to the destructive force of fire, and this year we are breaking records–even though we thought we’d done that last year. And we did. But weather is getting worse, not better, with drier, hotter conditions making wildfires harder to fight and stronger than ever. Continue Reading →

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Top Reason for Home Damage? Weather, Says Travelers

Recently, the insurance carrier Travelers released its interactive report titled “Top Ways Things Can Go Wrong”, identifying the most common and costliest causes of home damage. By examining its own national homeowners insurance claim data from 2009 through 2016, the report by Travelers highlights the types of claims that are most prevalent in some of the largest metropolitan areas and breaks down the results by national region and by season. Continue Reading →

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Tenant Vandalism is on the Rise—What Can Landlords Do?

Dennis Myers will be the first to say life as a landlord it not all it’s cooked up to be. Over his last 20 years of experience of owning rentals in Orange County, he feels as everything is getting worse–tenants aren’t respecting properties, rent payments, or landlords. He says what people don’t realize when they begin renting out properties, is that they are in a “position of weakness, with no advantage whatsoever.” The tenant has the advantage. They can avoid payments, wreak havoc on your property, and you can only invest in a good lawyer who can eventually bring them to court. Either way, it ends in you being out thousands of dollars.

Myers had a recent example in mind: Continue Reading →

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Factors Affecting Home Insurance Rates

When buying your homeowner’s insurance (which, if you are a homeowner you should obtain immediately), there are many different factors at play in the rate your insurance agent will produce for your home. Knowing these factors as you go into the process of buying insurance, can help you reduce your initial rate and keep it low over time. Continue Reading →

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