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Posted by: thepinetree on 11/16/2019 10:17 AM Updated by: thepinetree on 11/16/2019 10:17 AM
Expires: 01/01/2024 12:00 AM

Insurance Commissioner to Order Increased FAIR Plan Coverage Options

Sacramento, CA...As wildfire risk drives more non-renewals of homeowner insurance across the state, Insurance Commissioner Ricardo Lara is taking action to help homeowners find adequate coverage to protect their homes by ordering the FAIR Plan to offer a comprehensive policy in addition to its current dwelling fire-only coverage by June 1, 2020, with traditional homeowner features, such as coverage for water damage and personal liability. He also ordered the FAIR Plan to increase coverage limits and to offer a no-fee monthly payment plan as well as allow for policyholders to pay by credit card or electronic funds transfer without any fees.

The growing unavailability of homeowners and fire insurance has touched virtually every county in the state and threatens home values, real estate transactions, tax revenues, emergency services, and the integrity of California communities.

“I am taking this action after meeting with thousands of California homeowners across the state who are struggling to find coverage to protect their homes,” said Commissioner Lara. “People forced to use the FAIR Plan as temporary insurance deserve the same coverage provided by traditional insurers. This crisis requires the FAIR Plan to provide a comprehensive option for Californians who have no other option for homeowners insurance.”

Amy Bach, Executive Director of United Policyholders, joined Commissioner Lara in support of the changes.

“United Policyholders is hearing from panicked consumers daily. Homeowners throughout the state are between a rock and a hard place and desperate for help finding affordable insurance,” said Bach. “Commissioner Lara has heard their pleas and is taking decisive action.”

Effective April 1, 2020, the FAIR Plan will increase the combined dwelling coverage limit from $1.5 million to $3 million. Increasing the FAIR Plan’s dwelling coverage limit makes sense in today’s real estate market in California. In many areas where people are forced to turn to the FAIR Plan for coverage, they find the $1.5 million coverage limit is not enough and need to find additional coverage, often through the surplus lines market.

The Commissioner also ordered the FAIR Plan to offer consumers a monthly payment plan and to be able to pay by credit card or electronic funds transfer--all without fees.

These changes are in addition to other changes that Commissioner Lara convinced the FAIR Plan to undertake earlier this year, including providing more transparency in their meetings and allowing the Department of Insurance to participate in those meetings and mandating the FAIR Plan obtain Department approval prior to disbursing operating profits back to participating insurers.

The FAIR Plan is established under California law as the homeowners’ “insurer of last resort,” and requiring the FAIR Plan to offer a comprehensive homeowners’ policy, known as HO-3 coverage, will save consumers from having to purchase a second companion policy to cover other hazards such as liability, water damage, and theft. While the FAIR Plan is intended as a temporary solution, it is important that its product mirrors traditional coverage as much as possible. Many of the affected California homeowners have already been inconvenienced by planned power outages by utilities, mandatory evacuations, and repeated wildfire threats year after year. Requiring these same homeowners to have to piece together multiple policies to achieve full coverage is needlessly burdensome.

“Restoring stability to the homeowners and fire insurance marketplace will take everyone working together to find solutions,” said Commissioner Lara. “By involving homeowners, advocates, local and state government, and insurance companies, I am confident we will find common sense solutions.”

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Posted on: 2019-11-16 12:30:42   By: Anonymous
Property values falling due to insurance companies canceling policies . Just watch what happens when combined with a recession , coming soon. All the flatlanders may want to reconsider buying mountain properties. The hammer is falling.

[Reply ]

    Re: value
    Posted on: 2019-11-16 19:30:16   By: Anonymous
    That and electricity issues along with being surrounded again by criminal/felon attracting pot grows.

    [Reply ]

      Re: value
      Posted on: 2019-11-17 05:07:49   By: Anonymous
      You can thank our BOS who by coincidence happen to be democrats and so are the majority of......the pot farmers and the majority of our felons in prison and of course the majority of felons on parole. Jeepers, sure wish we could pin point the common factor here. There must be something that ties most of our troubles together here? Felons....drugs....crime....prison....parole....something that deals with the worst people, thieves, drug addicts, leeches, pedophiles, rapist, murderers...oh wait...the majority they are DEMOCRATS!!!
      Remember the days when we rarely heard the sirens from our law officers going after criminals? Now you hear the sirens calling out to beware multiple times a day. More and more of the filth from below have come here bringing their family, friends and their crime with us to live and unfortunately they breed. And our BOS has opened their corrupt hearts to them again.
      Lock your doors, sadly the days of Mayberry are gone forever.

      [Reply ]

        Re: value
        Posted on: 2019-11-17 09:28:53   By: Anonymous
        Get a grip.

        [Reply ]

        Re: value
        Posted on: 2019-11-17 16:18:04   By: Anonymous

        [Reply ]

          Re: value/\/\ MAYBERRY?
          Posted on: 2019-11-17 20:02:00   By: Anonymous
          And with the ban lifted crime will go up again exponentially-ten fold maybe?

          [Reply ]

            Re: value/\/\ MAYBERRY?
            Posted on: 2019-11-18 09:28:20   By: Anonymous
            Nope. Sheriff Rick reported crime went up after the Butte fire and came down in 2017 during the height of the UO. Banners lie to support their biases. Always have, always will.

            [Reply ]

              Re: value/\/\ MAYBERRY?/\/\ Banners lie....
              Posted on: 2019-11-18 10:19:23   By: Anonymous
              And you have been getting info from the wrong resources-fake news!

              [Reply ]

                Re: value/\/\ MAYBERRY?/\/\ Banners lie....
                Posted on: 2019-11-19 07:16:31   By: Anonymous
                My information came the Sheriff when he spoke at a planning commission meeting at the San Andreas town hall. Turn off Fox news and get a life tweaker-boy.

                [Reply ]

                  Re: value/\/\ MAYBERRY?/\/\ Banners lie..../\/\ Turn off Fox news tweaker..
                  Posted on: 2019-11-19 08:13:43   By: Anonymous
                  I think you have your chronology and "wires" mixed up in regards to what the sheriff said at town hall meeting. Smoke another joint so you can get your head straight LOL! I guess that's Tronald repetitively typing "LOCK HIM UP" and he has nothing better to do than to just get stoned and I guess he gets off on that! He probably doesn't have to work like the rest of us since he's probably living and mooching off his mommy! He's just waiting for the next harvest season. All I that can say to you Tronald is-don't count the chickens before they hatch. This whole cultivation thing isn't finalized yet!

                  [Reply ]

Thank goodness!
Posted on: 2019-11-16 14:23:46   By: Anonymous
Thank goodness! We all need all the help we can get!!!

[Reply ]

No Subject
Posted on: 2020-06-29 02:03:25   By: Anonymous
The insurance commissioner is doing the right thing by increasing the coverage options for this Insurance video Fair plan. Most people will agree with the decision of the commissioner here, and I am sure my friends will too.

[Reply ]

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