California FAIR Plan
ConsumerAffairs Unaccredited Brand
I was calling on behalf of the lender to have the Dec page and Mortgage clause corrected and they are neither willing to listen, do not have the patience nor are willing to help. They did even want to stand by the policy that apparently they follow when asked to send an email stating the same! I would not even give a star, but then there is nothing lesser to click on!
Recently CFP canceled my hazard coverage because "no change in brush exposure." I got the "need to clear 200 ft of brush from house" also. So, I did. Their "special inspector" came out and reinspected; he said everything looks good and shouldn't be a problem. Three weeks later I get canceled. WTH--No change in brush exposure?! This has to be a friggin mistake.
I have a 200 ft ring of dirt, rocks and boulders around my house now and thousands in bills I paid to a contractor to mow down over 1 acre of brush 200 ft from my house as required by CFP. They too want me to cut down a small portion of my neighbors brush that was 156 ft from my house... really!!! San Diego County, CDF and Fire code is 50 ft radius cleared then thinned to 100 ft, that's all they need to defend a house. So, I called them up to let them know I thought there's an error in the report or got me mixed up with another property. They said "no and it is what it is... Sorry, have a nice day. Anything else we can help you with?"! No room for compromising with these clowns... "We don't have to insure and we're not going to." So, now I have no insurance.
I applied insurance and obtained it, California Fair Plan made me jump through hoops to keep it. They said I had a month to paint it, I did it. Then they gave me a time limit to cut the trees back and put fire extinguishers in, I met the time limit. Then they said, since they were not occupied they could not insure me and cancelled me. I had just purchased these 3 homes and wanted to make them safe for the new residents. Now that they are all rented they still refuse to insure them. I would have to insure them out of Arizona if I want them insured.
We have several residents insured by California Fair Plan who do not understand the dangers that are not maintained can cause significant danger and cost to adjoining neighbor property.
My neighbors located at ** are insured by California Fair Plan. Both homeowners have trees on their properties that have been noted by certified tree arborist should not be growing in a major hillside fire zone. During the last major fire in the Sierra Madre hillside, I witnessed branches on trees burning. Those burned trees remain on the property. The new owner of this property is not educated on the safety and maintenance of trees. A major pine tree belonging to the owner continues to stand and pose a property danger to approximately four neighboring homes in its immediate proximity.
A certified arborist has recommended the removable of this pine tree due to the location, size and type of tree. The tree is noted to be so tall that there is a concern of the tree being struck by lighting. The arborist noted that it should never have been allowed to grow in its present location. Permission was requested to approve the removable of this tree. The owner notes that she wishes to keep the tree on her property because she moved in our area because, "she likes trees". She was informed of what the arborist recommended and she did approve a tree trimming.
At least, I will be able to remove the danger of falling and burning limbs on my home. Trees are great until you see them burning near your home. Another person insured by your company located at ** maintains the same uneducated thinking in the maintenance and planting of trees on his property. He recently planted a pine tree that has been deemed extremely dangerous and a high fire hazard in a high fire zone. An arborist at the Arcadia Arboretum did not recommend the planting of this tree for the same reasons as previously stated. What happens to the homeowners responsibility for the safety and danger that his/her trees present to their neighbor's properties?
Fire season is here and I do not wish to contribute towards the dangers of the fire season.
Our premium was raised by 100%. The California Department of Insurance allowed the FAIR Plan to increase the rates with a cap of 100%. Our house is cleared of all brush, with gravel around the house. We are adjacent to Bailey Canyon, either owned by the city of Sierra Madre or LA County. Neither will clear their brush. I have not been given a reason for the increase.
This is not a fair rate increase. Their page on Facebook indicates that most people will see an increase of 6.7%, not 100%.
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California Fair plan wants us to clear brush 200 feet. The problem is that the brush is not on our property. The property is owned by the city of Sierra Madre, CA. We have contacted the city and city fire department but they say they don't have the money to clear the brush.
I contacted California Fair Plan on October 21, 2009 regarding vandalism damage to my leased property to tenant. The adjuster and I made arrangements for assessment of damages when tenant was evicted. In the meantime, Fair Plan and Associates came around looking for faults in my property while the tenant had and left it a mess. I am to clean up, and I have begun to remedy all damages. Adjuster came out after eviction (approximately Nov. 28th, 2009). Damages were assessed by adjuster on Dec. 1, 2009.
Bad tenant damaged my home! Fair Plan will not remedy but want to stress for Fair Plan to stop its stress maneuvers and address the damages inside my home as follow: knocked out windows, attempted replacement with plastic, torn screens, damaged, busted security door, busted damaged interior doors and wall; cabinets, door jam/facing, floors, and ceiling fans hanging out of celling; ripped up vinyl and wood flooring, missing components, and altered locks on all doors which are security doors.
Tenant breached contract for her responsibilities avoiding me, and keeping me from my property work. Fair Plan needs to get business with what the tenant did. The outside is a distraction from the inside of my home. Work is being done but Fair Plan should stop creating havoc with vandalism on property! Fair Plan is deceptive!
California Property Insurance gave us notice of non-renewal, stating that they are not renewing our insurance for non-compliance with their recommendations. California Fair plan wants us to clear brush 200 feet. The problem with this is that the brush is not in our property. California Fair plan wants us to clear brush and cut trees from our neighbor's property. We provided them with the owner's name. California Fair plan responded that they could not locate any fair plan policy holders with the names we provided. They wanted us to be solely responsible for this. We stated that it's not lawful to just trespass and start cutting trees beyond our property line. Their answer to this issue was to not renew our property insurance.
It is not fair because we could not do anything at this point as the property they want us to clear is not ours. Please help me. I do not know where to go. There is no other insurance company that will insure our property. Our neighbor has received numerous citations from the fire department but they choose to ignore this. We do not know what else to do.
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