Dwelling in a neighborhood susceptible to hearth can imply that home insurance doesn't embody hearth insurance – KERO 23ABC Information
LAKE ISABELLA, Calif. (KERO) – The Wofford Heights community is sadly used to having wildfires close by every few years. In a rural area prone to these natural disasters, homes are at risk, which has resulted in some insurance companies failing to offer fire protection.
As firefighters tried to protect homes in direct line of the French fire, rural communities like Wofford Heights were evacuated Sunday evening to await news of whether their homes were in imminent danger. A Wofford Heights resident said if you live in an area prone to forest fires if you don't have fire coverage in your home insurance it can be an even bigger problem.
"In the last fire they had, a lot of insurance companies closed all of their insurance here," said Gary Lowrey, a Wofford resident.
Lowery said this happened during the last major fire in the Kern River Valley. He expressed his concern to 23ABC during an ordered evacuation on Sunday evening.
"They know these people are older, they are retired, their houses are paid for, many have older RVs, so there are probably a lot of people in this area with no home insurance," Lowrey said.
Chain Cohns Stiles law firm partner Matt Clark said this practice is not uncommon for private insurers not to include fire insurance in home insurance in areas of California prone to forest fires.
“Florida and the states in the south have a similar program because private insurers don't want to get coverage for hurricanes. If a hurricane breaks out and wipes out large parts of the state, it can bankrupt an insurance company, ”said Clark.
Leaving two options for residents who cannot get fire insurance from porters, the first is that they do not have home insurance.
“The consequences, you pay out of your pocket to rebuild the house. Or if you don't have money, you don't have a house, ”said Clark.
Or two, a California-sponsored insurance policy known as the California Air Plan, which, according to its website, covers fires and lightning strikes, as well as smoke, but also requires additional costs for other emergencies like earthquakes and floods.
“My son pays nearly $ 1,800 a year for this insurance, he can hardly afford it and a lot of people can't because they have a steady income. They can't afford four times the amount they paid, ”Lowery said.
Clark said the state premium may not be much higher than private home insurance.
“And while the deductibles are higher than you would traditionally associate with a homeowner plan, they are not unusually high. We're not talking about a $ 100,000 deductible. It could be 5, it could be $ 10,000. But I understand that for people with a steady income, every dollar counts, ”said Clark.