I want to extend a big thank you to everyone who responded to our end-of-the-year donation request! Because of these donations we were able to complete the upgrade to our website which not only make it look more modern, but should make it even more secure than before!
About 18 months after the Waldo Canyon fire in Colorado Springs, a fire survivor wrote to let us know they had finalized their claim and even gotten all of their code upgrade coverage. In their case they weren't underinsured. Here is how they did it.
First of let’s see the numbers. I’m going to change the numbers to make it easier to understand.
Coverage A was stated on the declarations page as $500,000. They had extended replacement at 25% or $125,000. The ordinance and law (OL) portion of the policy stated that the insurance company would cover 10% of the dwelling portion of the claim. This language is important as some OL coverage specifically states that they cover 10% of the stated limit of A, not 10% of the dwelling. What’s the difference? Let’s see!
The sequel is rarely as good as the original. (Need I mention "Anchorman 2?") But that movie adage doesn't hold up in the case of the video released recently by the Black Forest History Committee.
In 2010, the committee produced "Historical Tour of the Black Forest." The 45-minute DVD was a fascinating account of the unincorporated 100-square-mile community, mostly homes on 5-acre lots, north of Colorado Springs and bordered by the Palmer Divide.
Water loss claims are often wrongfully adjusted because the insurance adjusters does not fully investigate the loss. Damage that is hidden behind walls, roofs, ceiling and floor can be detected by using tools that are made for finding water and moisture in these areas.
Jamul CA—It was standing room only as Director Baldwin called the Rural Fire Protection District meeting to order in Jamul. In question was whether the Rural Fire District should dissolve and join the County Fire Authority. In phase three of the takeover, the County aims to absorb both the Pine Valley Fire District and the Rural Fire Protection District.
California Insurance Commissioner Dave Jones has approved a decision by an administrative law judge permitting Allstate Insurance Company to grant special premium benefits to motorists who attended prestigious colleges or have high income jobs like lawyers and doctors.
A Dartmouth homeowner is warning others to be cautious after he received a notice from his insurance company saying he was too high risk to continue his coverage after he filed two claims in five years.
So, your honey popped the big question on Valentine’s Day. You couldn’t be more thrilled and the ring is to die for! But, what if it’s lost or stolen? While there is no way to insure the sentimental value of such a gift, having the right insurance coverage will provide financial protection, according to the Insurance Information Institute (I.I.I.).
The weather in San Diego has been gorgeous this month; picture-perfect, chamber-of-commerce sunshine and warm temperatures — something to make people in the freezing Midwest and East Coast filled with envy. But, there's a very troubling side to our warm, sunny winter: drought.
On January 17, 1994, at 4:31 am, a magnitude 6.7 earthquake struck the San Fernando Valley region of Los Angeles, killing more than 60, injuring more than 9,000, and causing widespread damage. Freeways crumbled, gas mains burst and caught fire, apartment complexes collapsed, and power was lost to vast sections of the city. Thousands of buildings were either destroyed outright, or declared unsafe to enter, and later demolished. Twenty years later, here is a look back, in photos.
A novel UC Davis study with possible implications for human health has found that exposure to wildfire smoke makes young rhesus monkeys more vulnerable to disease. The research, conducted by UC Davis and the California Air Resources Board, found that rhesus macaque monkeys born at the university’s Primate Research Center in the summer of 2008 – an unusually intense fire season – had depressed immune systems compared with those born a year later.
The 4:31 a.m. jolt hit Los Angeles from 11 miles deep, shaking it from its slumber with a temblor that would topple freeways, ignite fires and inflict $49 billion in overall damage to homes and businesses, killing dozens of Angelenos.
The Property Insurance Coverage Blog has another interesting article. This one is about Bad Faith in Colorado. If you have a claim in Colorado, you might want to read this article, in fact it looks like they're going to write a series on it!
"I will be focusing my next month of blogging on how to prove and win a first-party bad faith case in Colorado. In proving a bad faith case, the first source I look to is the Colorado Revised Statutes, specifically, C.R.S. §§10-3-1113 (Trier of Fact in Civil Actions) and 10-3-1104 (Unfair Methods of Competition--Unfair or Deceptive Acts or Practices)."
When a crew of wildland firefighters hiked into the brown hills of central Arizona on June 30 , they were determined to fight fire in a grassy wildland mottled by developments and choked with dry scrub, in a place that hadn’t seen significant flames since 1966.
The hilltop town of Crest east of El Cajon was destroyed by the Laguna Fire in 1970, and again in the 2003 Cedar Fire, when over 300 homes were burned to the ground. There are 2,593 souls living in Crest in 967 households. Residents met in the Crest Community Center on November 20 to discuss fire prevention, evacuation concerns, and the state fire fee assessed again this year.
After a fire took our home and neighborhood of approximately 200 homes, CARe was able to help us with understanding the process of working with insurance after our loss. The founders of this company understood our position fully, as they have experienced losing their own home to a fire. They will help you by offering one on one consultation, help you calculate your “complete” loss and educate you in the way insurance really works. We were able to gain a more complete recovery of our loss through their integrity and competent ability to help us to understand the insurance industries goals, payments and procedures which are not taught by the insurance industry. If you are unfortunate to have this type of trauma in your life I fully recommend you to get a free consultation before signing anything with your insurance company. You have experienced enough; let CARe guide you through the process, you do not have to lose anything else.