the design studio of Sheryl Drinkwater, Architect
After receiving a non-renewal notice from Safeco late last year (2023), I contacted my insurance broker.
They were very limited in the companies they could request a policy from, didn't explain what was happening other than saying that all their insurers denied me coverage, and pushed me toward the CA Fair Plan.
The reason for the non-renewal: my property is in a location that is considered too densely concentrated!
​
Get organized, obtain information, and look at my situation more closely:
-New insurance rep, what is ‘proactive’?
-I have never filed a claim.
-Changed insurance recently
-Did not have bundled insurance.
-No mortgage
-State has been mandating density (ie ADUs) while insurance companies are not on board and are giving that exact reason for non-renewal.
-Core Logic, Zesty.ai, and or other mapping risk score tools, can a property owner request data?
​​
CoreLogic link for homeowners to see how their homes may be assessed by an insurance company
https://www.corelogic.com/insurance/hazard-risk-solutions/wildfire-mitigation-score/
​
Zesty.ai
​
§ 2644.9. Consideration of Mitigation Factors; Wildfire Risk Models
​
​​
Amico Insurance, my NEW agent says they may have been one of the few writing policies in California, but they will not write in the VHFHSZ I learned.
​​
Commissioner Lara unveils next steps in his strategy to expand coverage options for Californians in areas of high wildfire risk
https://www.insurance.ca.gov/0400-news/0100-press-releases/2024/release023-2024.cfm
​
Seek help: Contact the CDI Consumer Hotline at 1-800-927-4357 or file complaints online for assistance.
​
United Policyholders [uphelp.org] little response, more for distributing information, not one-on-one attention.
https://uphelp.org/preparedness/wrap-resource-center/
​
​More articles
https://www.insurance.ca.gov/01-consumers/105-type/95-guides/03-res/index.cfm
https://sfstandard.com/2024/01/23/the-hartford-insurance-crisis-california-homeowners-policies/
https://www.insurancejournal.com/news/west/2024/03/20/765883.htm
https://calmatters.org/economy/2024/01/california-fire-insurance-2/
https://abc7news.com/fair-plan-california-insurance-homeowners-fire/12050142/​
https://www.sfchronicle.com/projects/2024/ca-statefarm-nonrenewal-map/ (may have paywall)
​
Ten things to know about fire insurance
https://www.youtube.com/watch?v=kIz2BAxupLQ
​
CA Insurance Commission List of Insurers
​
​