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Tuesday, November 13, 2007

The New York Times Warns SD not to Count Their Chickens



From The NYT:

As Californians recover from another season of devastating wildfires, one of the biggest obstacles is a painfully familiar one. As many as 40 percent of homeowners statewide lack enough insurance to cover their home-replacement costs, according to the California Department of Insurance, and most realize the problem only when it is too late.

After past disasters, California state officials tried to raise homeowners’ awareness of their coverage limits by requiring policies to be written clearly and with disclaimers about what is not covered. But several national studies suggest that many homeowners tend to underestimate risk and do not understand that their policies do not guarantee replacement of their homes.

I like how it says tried. They tried to require policies to be written clearly, because why would they be written clearly, it's not like they are required to explain complicated situations to a variety of people and to provide relief during some of the hardest times of people's lives by providing the basic function of SHELTER.

An analysis by The San Diego Union-Tribune of 2,137 houses that were destroyed in unincorporated areas of San Diego County in the last big wildfires, in 2003, found that only 46 percent had been rebuilt by late last year. In many cases, policyholders said they had not resolved their insurance claims or received enough money to replace their homes, The Union-Tribune reported.

Good luck fire victims, we all know what a good time you had at Qualcomm, but there's a long road ahead.

If you need tips, go here. He's a lawyer (so that means he knows everything).

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