Don't fear! We're here to tell you that we have solutions! First of all, you should know that there are still over 100+ Insurance carriers in the state of California.
Some of the reasons some insurance carriers are denying insurance to owners:
- Existing Knob & Tube Electrical wiring
- An Older Roof
- Past insurance Claims
- Property Hazards or Litigation
How we can help:
- We are regularly researching Insurance companies that are writing policies in San Francisco
- We have identified Insurance carriers that will typically insure properties with existing Knob & Tube wiring
- We have trusted Insurance Brokers who can help identify insurance policies for properties with issues
- There is always the California Fair Plan which is a state-run plan that is available to nearly all residential properties in the state.
Finally, to protect yourself and your home, here are some helpful tips:
- If you're doing some interior painting, that may be the perfect time to upgrade some old electrical.
- Don't let your insurance policy lapse or the carrier may drop your coverage.
- Maintain your roof and your property!
- Inspect the condition of your property periodically and don't fall behind on maintenance items.
- Before submitting a claim, assess whether its worth it to report to your insurance company. Multiple claims could increase your insurance costs.
Contact me if you need some help with your property insurance.