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No sane company wants to leave a market the size of California on the table. They are leaving because the risk is just too high. There is nothing Commissioner L

No sane company wants to leave a market the size of California on the table. They are leaving because the risk is just too high. There is nothing Commissioner Lara can do about the risk analysis associated with the previous 20 years of wildfire. IF Californians don't change their collective behavior around addressing the issues related to wildfire risk, its unlikely they'll be able to maintain coverage.

anigbrowl 3y ago
But the guy isn't in a wildfire risk zone. He just has a slightly untidy yard in a suburb. And I do mean 'slightly', go watch the news report. It's not a junkyard and the company's argument here isn't credible.
- rasz 3y ago
  Its not untidy, but it is an open air workshop on residential property.
  - anigbrowl 3y ago
    Last time I looked people were entitled to work on their own possessions on their own land. The guy has some neatly stacked spare tires and replacement wheels for his two motor vehicles and a work bench, he's not running a smelter or manufacturing explosives.
    - navi0 3y ago
      I'm not going to win points for defending a megacorp, but if this person wants to self-insure (and owns his home outright), then he would be entitled to do so. But until the mortgage is paid and he is able to self-insure, the insurance company sets the rules. Put differently, if a fire were to happen and this open air mechanics/tire shop were to ignite and destroy the three neighboring properties, is this homeowner entitled enough to pay all damages caused by his negligent storage of combustible materials? [edit] Plenty of notice should have been provided so the property owner had an opportunity to address the issues found, which may or may not have happened. We only have one side of the story here.
      - anigbrowl 3y ago
        Put differently, if a fire were to happen and this open air mechanics/tire shop were to ignite and destroy the three neighboring properties Again, a description like really misrepresents the facts. The guy appears to own 2, possible 3 motor vehicles, and has two sets of 4 tires. It looks as if he had hoped to upgrade one of his vehicles by putting some shiny new wheels on it. O am not a car guy, but this looked to me like some personal property stored in his yard, not a hobby that had spun out of control. If he had stored them in a shed or covered storage area nobody would have said anything (because they wouldn't have seen it) even though the risk would have been identical or greater. There's no particular reason to expect a fire to break out in the middle of a subdivision, tires aren't known for just spontaneously bursting into flame. By contrast, in my neighborhood there is a tire business of some kind at one end of a residential street, which must have 2-300 tires stacked up, directly adjacent to a bunch of houses and a freeway overpass. They've been there for man¥ years so I assume it's a normal business with normal permits, even though it's a massive fire hazard with a higher risk of a fire breaking out from the unpredictable nature of commercial traffic, industrial equipment, vandalism/arson etc. The main issue for insurance companies arises from a combination of California's increasingly hot and dry climate and the fact that most uses here are made out of wood and thus extremely susceptible to fire damage. The people rationalizing the insurance company's decision as if this guy somehow had it coming are BSing themselves.
        rasz 3y ago
        >2, possible 3 motor vehicles 5 cars. 1 on street, 3 porch, 1 tarp. Most likely two more in double garage. >and has two sets of 4 tires Over 30 tires, some truck sized (bigger than what that astro van? uses). Rusting engine block, heads, plus transmission case, exhaust and fender/hood in the grass. Reporter material shows fresh garbage bags in the yard suggesting dude started cleaning the moment he got the rejection. Whats more drone footage looks to be recorded after on the ground clips, with backyard meticulously cleaned, things neatly stacked (still 6 piles of tires) and overgrowth mowed. >in my neighborhood there is a tire business In commercial zoning, paying commercial insurance.
- RosanaAnaDana 3y ago
  The safer from wildfire standard and the wildfire prepared home standard would both identify the storage of those kinds of materials within the 0-5 foot zone as a hazard significant enough to not pass. To you it may not seem significant but to a wildfire risk specialist, these are precisely the kinds of hazards were looking for. The standards are high, but they are so for a reason. We're losing thousands of homes per season to wildfire. Was it bad customer service to just drop him? Yes. Should he have the opportunity to mitigate? Absolutely. But ignorance of your risk doesn't mean some one else is obligated to take the other side of that bet. I've said it a couple times else where. If insurance companies thought they could still be writing policies in California, they would. It's billions of dollars in annual premium they are passing on. They aren't doing so because, yes, storing tires against your house is significant enough of a risk factor to warrant non-renewal. Companies like State Farm would rather pull back entirely than accept the risk.
  - apple4ever 3y ago
    Sorry but have you looked at the pictures? There is zero risk to what he is doing. Its not just "me" its common sense that its not a risk. There is zero hazard here.
    - justinclift 3y ago
      > There is zero risk to what he is doing. Wonder if those tyres would change that risk factor, as tyres burn pretty well.

anigbrowl 3y ago

But the guy isn't in a wildfire risk zone. He just has a slightly untidy yard in a suburb. And I do mean 'slightly', go watch the news report. It's not a junkyard and the company's argument here isn't credible.

rasz 3y ago
Its not untidy, but it is an open air workshop on residential property.
- anigbrowl 3y ago
  Last time I looked people were entitled to work on their own possessions on their own land. The guy has some neatly stacked spare tires and replacement wheels for his two motor vehicles and a work bench, he's not running a smelter or manufacturing explosives.
  - navi0 3y ago
    I'm not going to win points for defending a megacorp, but if this person wants to self-insure (and owns his home outright), then he would be entitled to do so. But until the mortgage is paid and he is able to self-insure, the insurance company sets the rules. Put differently, if a fire were to happen and this open air mechanics/tire shop were to ignite and destroy the three neighboring properties, is this homeowner entitled enough to pay all damages caused by his negligent storage of combustible materials? [edit] Plenty of notice should have been provided so the property owner had an opportunity to address the issues found, which may or may not have happened. We only have one side of the story here.
    - anigbrowl 3y ago
      Put differently, if a fire were to happen and this open air mechanics/tire shop were to ignite and destroy the three neighboring properties Again, a description like really misrepresents the facts. The guy appears to own 2, possible 3 motor vehicles, and has two sets of 4 tires. It looks as if he had hoped to upgrade one of his vehicles by putting some shiny new wheels on it. O am not a car guy, but this looked to me like some personal property stored in his yard, not a hobby that had spun out of control. If he had stored them in a shed or covered storage area nobody would have said anything (because they wouldn't have seen it) even though the risk would have been identical or greater. There's no particular reason to expect a fire to break out in the middle of a subdivision, tires aren't known for just spontaneously bursting into flame. By contrast, in my neighborhood there is a tire business of some kind at one end of a residential street, which must have 2-300 tires stacked up, directly adjacent to a bunch of houses and a freeway overpass. They've been there for man¥ years so I assume it's a normal business with normal permits, even though it's a massive fire hazard with a higher risk of a fire breaking out from the unpredictable nature of commercial traffic, industrial equipment, vandalism/arson etc. The main issue for insurance companies arises from a combination of California's increasingly hot and dry climate and the fact that most uses here are made out of wood and thus extremely susceptible to fire damage. The people rationalizing the insurance company's decision as if this guy somehow had it coming are BSing themselves.
      - rasz 3y ago
        >2, possible 3 motor vehicles 5 cars. 1 on street, 3 porch, 1 tarp. Most likely two more in double garage. >and has two sets of 4 tires Over 30 tires, some truck sized (bigger than what that astro van? uses). Rusting engine block, heads, plus transmission case, exhaust and fender/hood in the grass. Reporter material shows fresh garbage bags in the yard suggesting dude started cleaning the moment he got the rejection. Whats more drone footage looks to be recorded after on the ground clips, with backyard meticulously cleaned, things neatly stacked (still 6 piles of tires) and overgrowth mowed. >in my neighborhood there is a tire business In commercial zoning, paying commercial insurance.
RosanaAnaDana 3y ago
The safer from wildfire standard and the wildfire prepared home standard would both identify the storage of those kinds of materials within the 0-5 foot zone as a hazard significant enough to not pass. To you it may not seem significant but to a wildfire risk specialist, these are precisely the kinds of hazards were looking for. The standards are high, but they are so for a reason. We're losing thousands of homes per season to wildfire. Was it bad customer service to just drop him? Yes. Should he have the opportunity to mitigate? Absolutely. But ignorance of your risk doesn't mean some one else is obligated to take the other side of that bet. I've said it a couple times else where. If insurance companies thought they could still be writing policies in California, they would. It's billions of dollars in annual premium they are passing on. They aren't doing so because, yes, storing tires against your house is significant enough of a risk factor to warrant non-renewal. Companies like State Farm would rather pull back entirely than accept the risk.
- apple4ever 3y ago
  Sorry but have you looked at the pictures? There is zero risk to what he is doing. Its not just "me" its common sense that its not a risk. There is zero hazard here.
  - justinclift 3y ago
    > There is zero risk to what he is doing. Wonder if those tyres would change that risk factor, as tyres burn pretty well.