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. . Community
Assisting Recovery, Inc. “Survivors Helping Survivors” • 888-216-8264 •
carehelp.org
Upcoming Meeting
Schedule:
Home
Owner's Insurance Renewals after a
loss The Homeowner Bill of Rights states that the
insurer must renew the HO policy at least once following a total loss
(Insurance Code Section 675.1). It also states they cannot cancel the existing
policy on a damaged (partial loss) house, but it could mean that the
insurer could non-renew the policy of a partial loss. We’ve seen insurers
use this loop hole to non-renew a partial loss
home. So, it is clear a total loss must be renewed at
least once and partial loss policies cannot be cancelled during the
individual policy period. However, insurers may non-renew a partial loss
or other homes in the fire area at the end of the policy. Keep in mind
that policies can always be cancelled for non-payment, at the homeowner’s
request or reasons stated in Insurance Code Section
676. It is not clear how long the Insurer must renew
the total loss policy. While stating the policy must be renewed at least
once, the statute states the policy cannot be cancelled while the house is
under reconstruction which could take, as we have seen, more than two
years following the fire. You can find more information
at: http://www.insurance.ca.gov/wf-con-info/0020-ho-rights/ ______________________________________________________________________________________________
LA City
Councilman Alarcon presents CARe with an appreciation award for our work
in Sylmar Last
Sunday, Gary Stephen accepted an award for CARe from the Los Angeles
City Councilman, Richard Alarcon thanking us for our service in his
district. We are glad to be of service and look forward to continuing our
relationship in future
endeavors. ______________________________________________________________________________________________ SDG&E
Update: SDG&E
and critics try mediation A federal
mediator brought San Diego Gas & Electric and critics of its failed
shutoff plan together for the first time yesterday in hopes of coming up
with a plan to prevent the utility from starting large wildfires.
http://www3.signonsandiego.com/news/2009/nov/18/sdgampe-and-critics-try-mediation/ ______________________________________________________________________________________________ The long
road back School buses roll through on weekday
mornings, past rows of vacant lots and “For Sale” signs before picking up
the handful of children who still live at Valley Oaks Mobile Ranch in
Fallbrook. ______________________________________________________________________________________________ Catastrophes:
Insurance Issues The term
“catastrophe” in the property insurance industry denotes a natural or
man-made disaster that is unusually severe. An event is designated a
catastrophe by the industry when claims are expected to reach a certain
dollar threshold, currently set at $25 million, and more than a certain
number of policyholders and insurance companies are
affected. http://www.iii.org/media/hottopics/insurance/catastrophes/
______________________________________________________________________________________________ What to do
when 911 Can't come I found
this website which contains a lot of information about disaster
preparedness. http://www.disasterfirstaid.com/ They even
have a section which contains disaster related
stories http://www.disasterfirstaid.com/lifelineslist.html ______________________________________________________________________________________________ Suspected
Old Fire arsonist pleads not
guilty
http://www.sbsun.com/news/ci_13773718 ______________________________________________________________________________________________ "Turn your wounds into
wisdom." - Oprah
Winfrey ______________________________________________________________________________________________ ... Help CARe provide
assistance to disaster survivors and continue our free
services: http://www.carehelp.org/contribute/contribute.htm ... For removal or
subscription to CARe, Inc mailing list, please email info@carehelp.org Community Assisting Recovery,
Inc.
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