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Fire ensurance providers offer hope to anxious California homeowners
The Flame of Freedom
Don’t think of it as a nightmare conflagration of destruction and ruin, think of it as a signal fire lighting your way to a better life in another state!
Even before the devastating Los Angeles wildfires destroyed more than 12,000 structures, California home insurers were not only raising premiums, but in some cases, outright refusing the insure properties they deemed to be too great a risk, or even revoking extant policies. “For instance,” says Reginald Chisler with State Farmer’s Insurance Agency, “many homes in California are built from wood, which we’ve recently learned is a highly flammable material — so much so that some people burn it for recreational purposes. It simply does not make economic sense from a risk standpoint for us to insure a structure that is basically an unlit bonfire. Really, what were these homebuyers thinking?” And the problem is expected to get much, much worse as distraught residents attempt to file claims and rebuild — or relocate. In light of this, several local companies have begun offering fire ensurance — a guarantee that policy-holders’ homes will burn before this year’s fire season expires. “Sure, customers wind up doubling up on the premiums for a while,” explains Firebug Ensurer Agency CEO Sam Spark. “But think of the peace of mind they’re getting, knowing that their home will go up in smoke before their insurance policy does.”
Here's something you might be interested in.
Fire ensurance providers offer hope to anxious California homeowners
The Flame of Freedom
Fire ensurance providers offer hope to anxious California homeowners
The Flame of Freedom
Don’t think of it as a nightmare conflagration of destruction and ruin, think of it as a signal fire lighting your way to a better life in another state!
Even before the devastating Los Angeles wildfires destroyed more than 12,000 structures, California home insurers were not only raising premiums, but in some cases, outright refusing the insure properties they deemed to be too great a risk, or even revoking extant policies. “For instance,” says Reginald Chisler with State Farmer’s Insurance Agency, “many homes in California are built from wood, which we’ve recently learned is a highly flammable material — so much so that some people burn it for recreational purposes. It simply does not make economic sense from a risk standpoint for us to insure a structure that is basically an unlit bonfire. Really, what were these homebuyers thinking?” And the problem is expected to get much, much worse as distraught residents attempt to file claims and rebuild — or relocate. In light of this, several local companies have begun offering fire ensurance — a guarantee that policy-holders’ homes will burn before this year’s fire season expires. “Sure, customers wind up doubling up on the premiums for a while,” explains Firebug Ensurer Agency CEO Sam Spark. “But think of the peace of mind they’re getting, knowing that their home will go up in smoke before their insurance policy does.”
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