Bet They Are Celebrating at State Farm Insurance

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ameridaddy said:
I hate to sound cruel, but I have no sympathy for the fire victims. They elected the Green Weenies who drained reservoirs, saved snail darters, and won't allow brush (tinder & kindling) clearance, or else didn't move in the face of decades of Green Weenyness. They have massive cognitive dissonance, and the whole thing is a needless tragedy.
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Yes that is cruel. We are all Americans and I feel sad for those of us that lost everything. We need to have a Christian attitude.

Now, on the other hand, I would ask them "why do you live there?" I have the same question to those that live in hurricane alley or tornado alley. You knew the risks, but moved there anyway.

I say you are in my prayers, but I also pray that MY insurance rates don't go up so the companies don't go bankrupt. I chose to live in a safe area and I expect to pay accordingly.
 
Bald1 said:
That article is very vague. Quoted someone who wants to move. Probably a reporter with an agenda. Insurance is expensive because of all the multi million dollar homes up and down both coast. That skews the avg premium. But I do not believe the avg premium is over $10k. My place in Naples is 88 steps from the water. Since 2016 my premiums went up less than $250. And part of that was because I increased my coverage do to build material cost going up.
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My sister's home insurance in DeLand is up nearly double in 2 years. Like me, she's had State Farm for home and car since the 70s, but mine is in New Mexico and has been stable for years.

Florida Homeowners Insurance: What's in Store for Premiums in 2025? - Summit Wealth Partners, LLC
 
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I’m concerned that the trend of cancellation of home owners insurance will have a negative impact on home values. If a once lovely and desirable home is no longer insurable, it may not be sellable…..at all. I know that there are homes here in Prescott, AZ that have been denied insurance from multiple carriers because they were adjacent to the Prescott National Forest. The exodus has begun, and the decision is whether to buy knowing that the home is uninsurable. Even if the home survives a wildfire, who wants to live in a charcoal wasteland? In addition, I suspect that we ALL will have to pay for this tragedy, whether it’s with our taxes for Federal Emergency Aid or increased premiums.

Tom H.
 
I would suggest your sister shop around. Having same insurance company for 50 yrs is generally not a great idea.
 
ameridaddy said:
I hate to sound cruel, but I have no sympathy for the fire victims. They elected the Green Weenies who drained reservoirs, saved snail darters, and won't allow brush (tinder & kindling) clearance, or else didn't move in the face of decades of Green Weenyness. They have massive cognitive dissonance, and the whole thing is a needless tragedy.
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... and slashed the fire dept budget.
 
Those before and after pictures of Pacific Palisades remind me of those 1945 atomic bomb tests. Total devastation of whole tracts. I do not see how this can be recovered from.
 
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Alton said:
One of our local stations discussed the insurance crisis in Cali yesterday. It seems insurance companies wanted/needed to go up on rates to cover damages and the Cali State board declined those rate increases so several insurance companies closed policies. If it was as simple as State Farm left, it should of been very easy to use another insurance company, but it wasn't
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But you can be assured they will welcome Federal Assistance to the max.
 
CH4 said:
... and slashed the fire dept budget.
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To me that’s the craziest part (followed by the hydrants running out of water). I’ve never been a firefighter but I know they require a lot of training and are not easily replaced. You can’t go down to the local car dealership and buy a fire engine off the lot. Thanks to the fire levies that we pass where I live our Fire District was able to pay cash for a new fire engine and save us ~ $100,000 in interest. IMHO that’s the way government is supposed to work.
 
I can just imagine the fustration of hooking up to a hydrant and having low pressure, or worse, no water.

Be safe my brothers and sisters.

I'm not going to point fingers or get into the forbidden zone, but when you cut funding for life safety services (LAFD), things are probably going to go wrong sooner than later.
 
ladder13 said:
I’ve been with SF since 1976, never an issue at all. Claims paid, some before items were replaced. Do they charge more? Perhaps, but never stiffed me.
Besides, my broker is a Corvette fanatic.
Why switch?
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The other thing is they don't arbitrarily change your original policy - my sister and her husband bought the original homeowners policy in the late 90s; SF doesn't offer those policies now and hasn't for a decade. As long as they don't let it lapse, they are fixed up.

They can get cheaper insurance, but not at all with the same deductibles, coverages, etc. When you live in hurricane country, coverage matters.
 
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quikdraw67 said:
I can just imagine the fustration of hooking up to a hydrant and having low pressure, or worse, no water.

Be safe my brothers and sisters.

I'm not going to point fingers or get into the forbidden zone, but when you cut funding for life safety services (LAFD), things are probably going to go wrong sooner than later.
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I'm reminded of when the Santa Fe rocket scientists limited us in uniformed NMSP to 100 miles per day in the 5th largest state in the US in the '80s. Guess what resulted?
 
bullmack said:
Setting aside whether, or not, any of the above had any factual contribution to the situation why is anyone gloating over what SoCal people are going through???????
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Bullmack, Gypsmjim, PatriotX, I'm not gloating, I'm saddened and angered by a needless tragedy caused by gross mismanagement. I have seventeen households who are family living in the area, scattered from Rolling Hills estates up to Santa Barbara. None of them are directly affected by the current fires yet, thank goodness, but they have friends who've lost everything.
 
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