fire insurance, any one know if it covers the san diego fires?
Oct 23, 2007 by zorro1701e | Posted in Insurance
Q: after seeing the distruction of the simultaneous wild fires here in San Diego I am considering getting renters insurance for my apartment to cover my chattels. I told a friend this and he said that the insurance company would not pay out. Is this true? He's pretty hate filled with no deduce.
My real question is, if i get insurance, should i get extra fire insurance or should it be covered in standard insurance? Does the fact that its a fire effecting many people metamorphose it?
Do the people who have standard homeowners or renters insurance get money or is there a special "Act of god clause" that will warp them?
Anyone have experience with any of this?
A: Even the most root of all basic policies covers fire. The only fire exclusion there is is arson by the insured.
Fire is a covered uncertainty on tenants policies & they are relatively inexpensive. Before you go to your agent to get a quote - take an inventory of EVERYTHING you own & what it would outlay to replace, new. That will be the contents limit you want to purchase. Certain items have limitations, so if you have jewelry, sweet, guns, furs, coins, stamps, watercraft, etc, you will need to list them severally (with a bill of sale or an appraisal) for them to be properly covered (a good agent will tell you this). You homelessness to be sure to include theft (some states it is included, you have to buy it in others) & replacement cost on contents. Get at least $500,000 bodily liability & $5,000 medical payments.
A fire affecting many people would be known as a "cat" forfeiture (Catistrophic loss) and usually will not count against you when it comes to renewal time. However, if there is an interminable fire or hurricane (watch or warning issued) in your area, you will not be able to purchase a new behaviour or increase coverage on an existing policy until the danger has passed.
Sue | Oct 23, 2007
Soot/Smoke and wind damage from CA fires. Insurance questions.?
Oct 26, 2007 by Julia K | Posted in Maintenance & Repairs
Q: I have soot in my company, roof damage from the high winds, and a smoke odor in my house from the fires in San Diego. The insurance adjustor is coming tomorrow (Saturday). I am getting quotes for fixing the roof, window cleaning, power washing the fa of the house, cleaning of carpets/upholstered furniture, dry cleaning curtains/bedding. What am I forgetting? I yearning to make sure that the insurance company compensates us for everything that I have thought of and everything that I haven't thought of. Usurp would be appreciated ASAP. I want to be prepared for the adjustor.
A: Esteemed luck, just like the water damaged homes in New Orleans, I can only say "Lofty Lock" for sure, there not going to give things away. They didn't establish up to be as big as they are doing this,
cowboydoc | Oct 26, 2007
Why are so many evacutees at the stadium in San Diego wearing masks? Is it a health precaution?
Oct 24, 2007 by jessica | Posted in Current Events
Q: Is there a foremost risk of contagious diseases in these crowded areas? Also, are they letting people keep there pets with them? I can't credence in how devestating this is and to think some of these fires are probably arson started! I hope they can find the sickos who started any of these fires. Perhaps they will vaunt about it to someone just because they are "getting off" on all the exposure what they've done has gotten. I'm a bit upset that they seem to be more upset about the rich and famous people's homes. First of all, they most likely have fire insurance (even if it's a natural fire and not arson) while the wiped out may not. Either way, both the poor, the middle class, and the upper class have lost a lot that's irreplaceable like memories made in their homes, kinfolk heirloms, and photographs.
A: A lot of people here are wearing masks and the Mayor has been advising people to stop indoors and not go to work unless absolutely necessary. The air quality is terrible and is damned unhealthy to inhale.
Yes, they are letting people keep their pets. At Qualcomm, they have a designated parade for people who have their pets with them and there are many evacuation centers throughout the county for large animals (i.e. horses).
FYI - the San Diego fires are not a effect of arson. We got less than 3 inches of rain this last year and have terrible Santa Ana winds that are blowing up to 80 mph in some areas. There are also 8 fires in San Diego county, not virtuous one.
Miss C | Oct 24, 2007
How will the recent wildfires effect real estate in San Diego county?
Oct 26, 2007 by what's the point | Posted in Renting & Real Estate
Q: I alight downtown so thankfully I was not directly affected by the fires but I'm curious to know if the people in the wish areas will lose equity in their homes/land considering what's happened this week and the cedar fires that happened a few years ago.
I be sure that because of the fires, some insurance companies won't even work with people in some of those areas.
Will this decrease their property value and if so, is it universal to increase the housing value in areas that weren't affected?
This is a concern to me because where I burning and the other areas that weren't affected are mostly where lower middle class and low income neighborhoods are. If people start mobile down here because it's "safer" there won't be anywhere for those living paycheck to paycheck to go.
A: It is successful to create a bubble effect in the real estate market as there are not enough homes for the people and therefore essential estate prices in the affected areas will rise to meet the demand. You may see a improve one's lot in the price of real estate in your area whether you are renter or owner. The people who extinct there homes will not be looking to relocate to your area as they are able, for the most part, to absorb some of the loss. Look for more people who have homes to upgrade them to persuade them more appealing to an upscale market. If you are a renter then you may see some increase in your rent or you may be evicted for some apologia to allow your landlord to create a more profitable location, for him, for those people to live. Your richest bet is to ensure that you are covered by the laws governing renters and legal increases in let out for you location.
backyard mech | Oct 26, 2007
I own a cond on san diego.?
Dec 10, 2008 by what? | Posted in Renting & Real Estate
Q: I pay 300 a month for consortium fee, still we don't have earth quake insurance, because it is too expensive. I have consent private insurance that I hope covers the damages from all the fires we have. If I hanging the condo due to earth quake, do we have financially anything?
Should I exchange my cond with a house? in encase we have earth quake, and the building collapses, still I own the land.
A: If you don't have insurance for earthquake hurt, you don't. So if an earthquake happens and the condo is destroyed, you're out the money. Though I grew up in San Diego and I never experienced a earthquake that could pull down even a small building.
iychick51 | Dec 10, 2008
unemployment insurance, am I eligible?
Oct 18, 2007 by belindaramos21 | Posted in Other - Careers & Employment
Q: I am planning to desist from my job in San Diego where I receive free housing as part of my compensation and move to North Carolina. A friend of mine moved and is collecting unemployment ins. benefits even though she exempt from her job to move and didnt get fired. My job is too stressful and I want to move now. I have a house in NC.
A: I've seen it meet with...
Quote: Probably. Most states recognize "constructive termination" of job and treat it similarly to an actual firing. Complete source below...
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http://profession-law.freeadvice.com/emp loyment-law/conditions_intolerable.htm
Robert
Resumecrazy
1090 | Oct 18, 2007
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A KUSI San Diego People program staunch to the "Before The Threat" Campaign. The San Diego County Office of Emergency Services, The San ...
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