Wildfires are a growing threat, but homeowners can protect their properties with ember-resistant vent covers, fire-resistant materials, and regular maintenance. Learn how these simple upgrades can reduce fire risks and insurance costs.
Homeowners in California must choose between admitted and non-admitted insurers. Understanding the risks, benefits, and available protections can help you make an informed decision about your home insurance policy.
If you’re a homeowner in California, don’t wait for an insurance crisis to hit. Keep your property well-maintained, stay informed about your insurance options, and consider working with an experienced broker. By staying ahead of potential problems, you can protect your home and your financial future.
The rise in homeowners insurance non-renewals in California is making it harder for many to secure coverage. This post explores the reasons behind this trend, the role of the California FAIR Plan, and how property conditions and new technologies are influencing insurance decisions.
Wildfire risks in California are shifting from rural to urban areas, driven by climate change and technological advancements. Homeowners and insurers face new challenges in managing risks, leading to higher premiums and policy non-renewals.
Summary: Insurance Commissioner Ricardo Lara introduces California’s Sustainable Insurance Strategy to protect consumers, address climate change challenges, and ensure long-term insurance market sustainability by prioritizing high-risk areas.
Learn about California Fair Plan new discounts for implementing key features and actions to mitigate wildfire risk and how to qualify for these valuable discounts.
The CALIFORNIA AUTOMOBILE ASSIGNED RISK PLAN (CAARP) was created in 1947 by the state legislature with the essential purpose to provide automobile liability insurance to those who “in good faith” are entitled to but are unable to procure such insurance through ordinary methods. The statute indicates a legislative intent to encourage drivers to seek insurance in the voluntary market using the assigned risk plan only as a last resort. What is the Assigned Risk Plan? It is a processing center by which people who have trouble buying automobile insurance are put in touch with an insurance company which will insure… Read More »California Automobile Assigned Risk Plan
It’s time for a spring tune-up of your park. With the return of spring and warmer weather in many parts of the country, parks will soon be the site of baseball games, children’s day camp activities and family outings. Park directors are already planning to have staff prepare parks, playgrounds, ball fields and other outdoor venues for the warm-weather season after months of minimal maintenance.
As park staff begin work on the damage created by winter weather, it’s useful to review injury sources and liability concerns common with parks. The most frequent source of injury is swimming pools and the highest average claim cost is associated with ball field, soccer field or grassy play area injuries.
Park directors are often challenged to prioritize the pre-season maintenance work that must be completed to prepare park areas for public use. Each park director, based on knowledge of the local parks, establishes a work schedule for staff to ensure that the parks will be ready for use.
There are many maintenance items that should be addressed early in the spring. The following lists are excerpted from Travelers Public Sector Services’ Spring Tune-up Program for two areas: ball fields and trails.Read More »Spring Tune-up for Parks
“Right to Repair” In the United States More than thirty states have enacted legislation that requires homeowners to notify builders of claimed defects and to provide them with an opportunity to repair the defects before the owners initiate legal proceedings. These “right to repair” statutes are the legislatures’ response to the increased filing of time-consuming and expensive construction defect lawsuits. Right to repair statutes provide an avenue to avoid litigation whereby the builder can address the homeowner’s claimed defects and attempt to repair the defects and allow homeowners to seek repairs without having to file a lawsuit. In general, right… Read More »‘Right to Repair’ Statutes: the Fix to Construction Defect Litigation