From: Lila Hayes
[lila@carehelp.org]
Sent: Sunday, May 11, 2008 7:09 PM
To:
'info@carehelp.org'
Subject: CARe Update
This weeks
schedule:
CARe Group meetings will take place in the
following areas:
- Tue, May
13 at 7PM
- Dulzura Community Center; 1136 Community
Building Rd
- Wed, May
14 at 6:30PM
- Private meeting for Poway
residents only
- Sat, May 17 at 10AM - PERSONAL PROPERTY SEMINAR Lake Arrowhead Fire station, 301 South State Hwy
173
Jump start your
personal property list. Please bring two spiral notebooks, pen and pencil with
eraser
and COPIES of
existing lists.
For details
(including description of meeting and address and a link to print a map),
go to:
Anyone who lives in any area is welcome to
come to any meeting (unless noted as
private). For example, if you live in San Diego but your home burnt in
Lake Arrowhead, you are welcome to come to a meeting in San Diego.
Individual, one-on-one policy review
appointments are available most days of the week. Please call
888-216-8264.
---
CARe recommends you keep
your existing homeowners policy and have the dwelling portion of the coverage
reduced to accurately reflect the condition of your house (for example, $0 in a
total loss). California Insurance Code Section 675 requires insurance companies
to do just that. In part, the code reads:
“If reconstruction of the
primary insured structure has not been completed by the time of policy
renewal, the insurer... shall adjust the limits and coverages... that reflect
the change, if any, in the insured's exposure to loss. The insurer shall
adjust the premium charged to reflect any change in coverage.”
Insurance
Code available at: www.leginfo.ca.gov/.html/ins_table_of_contents.html
But why? Your policy
includes other coverages besides dwelling protection. You have personal
property coverage even at your current temporary location. You also have
liability coverage on the empty lot. These coverages are worth
keeping.
Also, you will be able to
continue with your existing coverage instead of finding new coverage when you
rebuild your house. If you do not renew your policy, you may not find adequate
coverage as some carriers stop writing policies in an area after a disaster and
you might end up with lesser coverage from another company.
Pay the current
premium. Insurers are required by California Insurance Code to rebate some of
the money based on the reduced exposure or risk. If they don’t, then write a
letter asking for them to comply with the above noted California Insurance
Code.
You can find a
sample premium reduction letter at:
---
News Bites:
State of California
EXECUTIVE
ORDER S-03-08 by the Governor of the State of California
WHEREAS last year California experienced devastating
wildfires that destroyed lives, property, businesses, and the environment and
resulted in the largest deployment of firefighting resources and the highest
number of evacuations in state history; and
San
Diego
Slow
burn toward FEMA funds - May 5, 2008
4 years of red tape stall city's effort to
clear brush
Five months after October's wildfires, San Diego
Mayor Jerry Sanders stood on the edge of a Mira Mesa canyon and announced an
aggressive plan to clear brush from open spaces, “in order to ensure that our
community is better prepared for future wildfires.”
Rim
Communities
Fire Season Early - May 8, 2008
Last week, Chief Michael Sherman of Crest Forest
Fire went to a training exercise in the San Timeteo Canyon near Redlands. The
controlled burn techniques they were working on are valuable tools
firefighters use to learn how to fight fires.
Orange County
Historic fires in O.C.
The chaparral-covered mountains of Orange County
were made to burn. More than 100 wildfires have swept the county since 1914,
when the California Department of Forestry and Fire Protection began keeping
accurate records. Use the map below to learn about the areas affected by fire
through out the years, by clicking on the appropriate buttons.
LA County:
Mayor lists 100-day plan for Malibu - Wednesday, April 30,
2008
Pamela Conley Ulich lists ambitious goals,
including fire and traffic reduction plans, development plan for Civic Center
area and making Malibu 100 percent renewable.
South Lake
Tahoe
South Tahoe residents invited to May 22 Angora fire restoration workshop -
May 6, 2008
The U.S. Forest Service Lake Tahoe Basin
Management Unit wants the South Shore community to help plan the future of the
Angora fire burn area.
The Forest Service will host an open house from 6
p.m. to 8 p.m. on Thursday, May 22 at the Lake Tahoe Community College board
room, One College Drive, South Lake Tahoe.
...
For removal or subscription to
CARe, Inc mailing list, please email info@carehelp.org