723
Thousands of Los Angeles homeowners were dropped by their insurers before the Palisades Fire
(www.cbsnews.com)
Perhaps the most interesting part of the article:
this post was submitted on 11 Jan 2025
723 points (98.7% liked)
News
23802 readers
3572 users here now
Welcome to the News community!
Rules:
1. Be civil
Attack the argument, not the person. No racism/sexism/bigotry. Good faith argumentation only. This includes accusing another user of being a bot or paid actor. Trolling is uncivil and is grounds for removal and/or a community ban. Do not respond to rule-breaking content; report it and move on.
2. All posts should contain a source (url) that is as reliable and unbiased as possible and must only contain one link.
Obvious right or left wing sources will be removed at the mods discretion. We have an actively updated blocklist, which you can see here: https://lemmy.world/post/2246130 if you feel like any website is missing, contact the mods. Supporting links can be added in comments or posted seperately but not to the post body.
3. No bots, spam or self-promotion.
Only approved bots, which follow the guidelines for bots set by the instance, are allowed.
4. Post titles should be the same as the article used as source.
Posts which titles don’t match the source won’t be removed, but the autoMod will notify you, and if your title misrepresents the original article, the post will be deleted. If the site changed their headline, the bot might still contact you, just ignore it, we won’t delete your post.
5. Only recent news is allowed.
Posts must be news from the most recent 30 days.
6. All posts must be news articles.
No opinion pieces, Listicles, editorials or celebrity gossip is allowed. All posts will be judged on a case-by-case basis.
7. No duplicate posts.
If a source you used was already posted by someone else, the autoMod will leave a message. Please remove your post if the autoMod is correct. If the post that matches your post is very old, we refer you to rule 5.
8. Misinformation is prohibited.
Misinformation / propaganda is strictly prohibited. Any comment or post containing or linking to misinformation will be removed. If you feel that your post has been removed in error, credible sources must be provided.
9. No link shorteners.
The auto mod will contact you if a link shortener is detected, please delete your post if they are right.
10. Don't copy entire article in your post body
For copyright reasons, you are not allowed to copy an entire article into your post body. This is an instance wide rule, that is strictly enforced in this community.
founded 2 years ago
MODERATORS
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments
Yeah it is. I made a claim for hail damage then It made me uninsurable/insane premiums when I moved for 5 year, no fault thing from mother nature but ya know it's my fault they had to pay out. I was told if I made 3 or more claims in 5 years I be uninsurable, hoping my home stays safe from this fire that's 2miles away from me....
The thing is if you buy a home and in California it's likely 1mm plus in the la region. You're paying huge mortgage rate more so with insurance and the recent rates basically house poor. If you loose your house you still have to pay the bank so you can't afford to live anywhere right? So with out insurance buying a home is one step away from being destitute?
It's needs to be a state sponsored thing and nonprofit. Like fire departments if everyone loses their home who's left to taxes, or even stay there.
I live 1 mile from the no insurance zone and in Los Angeles it took me weeks to find anyone to even cover our home after being dropped because "we have a flat roof" we don't, it's bs excuse.
Seems to me non privilege stuff should be a government run thing. Everyone should have a right to health care and housing and food. None of this shit should be for profit, fuck insurance.
Sorry realized I went on a rant.
I'm in a safe-ish area and was told 2 claims in 3 years and they wouldn't renew my insurance. Been here over 20 years and had one claim 10 years ago.
Had lightning hit and called the insurance directly, they opened a claim number but we ended up not using it. Meaning they paid $0 because it turned out to be a simple fix, it was just scary in the moment at 3am with water gushing out (not into the house). So we just paid the $300 to fix it and they closed the claim.
Two years after that we called when a tree hit the house, went a different route and called the independent agent first, not the insurance company directly and that's when we learned if we started a claim for the tree damage, they probably wouldn't renew. Ended up being almost $3000 out of pocket so we can keep the house insured and the mortgage company happy.
Yeah that's the worst, even if you just call them to ask if something is covered they will still make a note and use it against you.