California Homeowners Insurance?

State Fire Marshal’s page on Fire Hazard Severity Zones

Fire Hazard Severity Zones | OSFM (ca.gov)

From the title page:

California’s seasonally dry Mediterranean climate lends itself to wildfires, and in an effort to better prepare, CAL FIRE is required to classify the severity of fire hazard in areas of California.

I have no idea why this “Mediterranean climate” rhetoric has become such a hill to die on. Its a purely academic observation that these regions share some instrumental features. Offers very little predictive value and completely ignores other regions and areas that also share some instrumental values. California’s weather climate is unique, just like the land.

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I just upped with USAA. Same coverage and less deductible too. AND saved 6% as well.

USAA seems to be the way to go. They take care of their customers. I think if your eligible thats the ticket. Good coverage at an affordable rate

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USAA is definitely the way to go. But, eve at that, I won 2 houses in Shasta county 20 miles apart and they will only insure one of them… The one in in the timber! Not the one in the valley!

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My sister tried to switch to USAA 2 weeks ago. They wouldn’t write the policy. They told her they aren’t writing any more in CA.

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The site where these folks lost their second home was in a really bad spot. The photos of their burnt home in the article give you an idea of the setting. We’ve got to move beyond framing people who get dropped as ‘innocent bystanders’. Some places aren’t safe to inhabit without a huge amount of mitigation, and the insurance companies are one of the only institutions that can get away with telling people the truth.

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bingo… they made a choice…

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Allstate has been approved for the largest rate increase in California of any major insurer in the past three years. California’s Department of Insurance has approved Allstate’s request to jack up its home insurance rates by an average of 34.1% for its approximately 350,000 California customers

The San Francisco Chronicle reported the new rates could vary wildly, with some homeowners getting rates decrease as deep as 57%, while at least one will their see rates soar by nearly 650%. The increase will first appear on bills at the first renewal date following Nov. 7. This is the company’s fourth homeowner’s insurance rate increase in the past five years – it upped rates by an average of 4% in 2023 and by 6.9% in both 2021 and 2019. The new rate hike is the greatest since Homesite Insurance Co. received permission for a 38.2% increase in 2021

State Farm is waiting for a 30% increase approval. I live in Danville and we pay $6,300 for State Farm - going to get canceled in April. Hoping for to not have to go to the Fair Plan.

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When you consider what inflation has done to home prices in California, this doesn’t suprise me.

Regulations & permit fees add an average of $100,000 per new home built. Things like fire sprinklers, solar mandates. Some countries have traffic mitigation fee’s, along with the normal school construction and public safety permit fee’s.

Now considering the population in California is around 39 million and shrinking, yet there is a housing shortage. Ask why is supply so far behind demand & why prices keep going up for construction costs, rent, etc.

Now add all these costs and then you’ll understand why the insurance companies keep raising rates.

Answer Hint
More Regulations are not the answer.

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Among the items mentioned by yourself, there is two other very serious things to consider reference building new homes. Water and electricity. Neither has a surplus or reserves right now, much less meet the needs of future growth.

Does California really need more housing and businesses with expensive water ,if you can get it, along with more brown outs, if not blackouts, when you really need the cooling or heat ?

Brownouts or blackouts so we will charge our vehicle another time. Doesn’t work especially well with electric fire engines, police vehicles or ambulances.

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New Stanford hydrogel to reduce damage of California wildfires. New Stanford hydrogel to reduce damage of California wildfires

The material, made of cellulose and silica gel, may provide hours-long protection for wildfire-affected structures

Imagine this: Under an orange ash-filled sky, intensely hot wildfire flames engulf a freshly evacuated wooden farmhouse. The inferno swallows trees, bushes and wildlife, spreading quickly across the horizon.

Hours later, the house remains unscathed — just covered with patches of jelly-like foam.

A group of California researchers hope to make this scene the future of wildfire containment. Scientists at Stanford and Cal Poly San Luis Obispo have developed a long-lasting, water-enhancing gel that could be sprayed on critical structures — homes, bridges and roads — to prevent them from burning during wildfires.

The research, published earlier this month in Advanced Materials, comes as California and the Western United States see increasing wildfire risk due to rising temperatures and dry weather caused in part by climate change. The California Department of Forestry and Fire Protection, the state’s main firefighting agency, estimated that 834,766 acres have burned statewide so far this year. Much of this acreage comes from the over 5,500 wildland fires and almost 3,000 structure fires that have burned in the state this year, according to Cal Fire.

This year’s Park Fire — the state’s fourth largest wildfire — has burned more than 429,000 acres in Lassen National Forest and nearby counties since it started July 24. Cal Fire estimates that its crews have reached 92% containment, but not without flames destroying over 700 residential and commercial structures and damaging 54.

The researchers’ trials show that the new gel is more effective and lasts longer than its commercially available predecessors. In the lab’s experiments, the new gel lasted seven minutes under a blowtorch — a temperature much higher than most wildfires — while commercially available options lasted about 90 seconds.

Cal Fire currently uses Phos-Chek MVP-Fx and Phos-Chek 259-F, both long-term fire retardants approved by the U.S. Forest Service, said Chris Jurasek, division chief of tactical air operations at Cal Fire.

Researchers hope their new creation can enhance existing firefighting efforts.

Wildfire crews apply fire retardants on grassy areas to prevent fire from catching, Jurasek explained. On the other hand, fire suppressants — like water, foam and chemicals —- are used to put out fires that have already broken out.

Typical fire retardants contain water, salts and other chemical polymers. According to Jurasek, wildfire heat kicks off a chain of chemical reactions in the retardant that hold off the flames. He added that the retardant remains somewhat effective even when the water fully evaporates.

The researchers’ new gel adds an innovative layer of protection — silica particles. After water in the gel evaporates, these silica particles form a white, foam-like barrier that continues to protect the structures it is applied on, according to the research paper’s lead author, Changxin “Lyla” Dong, a second-year PhD candidate at Stanford.

The lab came across the development while playing around with other versions of the gel intended for vegetation. The researchers “smushed” some of the gel on a piece of wood, exposed it to fire and were surprised when the gels puffed up into a foam, said Eric Appel, professor of materials science and engineering at Stanford, in a Stanford report.

“The real scenario for a commercial water-enhancing gel is when the wildfire approaches, you spray them on the house,” Dong explained. “When the wildfire crosses that structure, it can leave the house intact.”

Right now, Cal Fire mainly applies fire retardant to vegetation and not structures, Jurasek said. The difficulty of applying fire retardant to structures does not result from the material’s ineffectiveness, but rather the gutters, roofing and other aspects of buildings that make it challenging to apply fire retardant evenly. Also, “it’s hard to apply to every single structure that’s out there,” Jurasek said. Dong said the lab redesigned the new gel to be viscous — or runny — enough to be sprayed through traditional fire retardant hoses.
The lab hopes to commercialize and broadcast the new gel in the coming years. The U.S. Forest Service has already approved components of the gel, which are largely nontoxic and can be made “in the kitchen with a kid,” Dong said.

“There is no trade secret in our formulation,” Dong said. “We would want this novel mechanism to be an inspiration that we can use simple ideas to change these kinds of bigger problems.”

Originally Published: September 1, 2024 at 5:50 a.m.

I’ve used Thermo Gel and Fire Ice to pre-treat structures ahead of a fire, I guess this is somehow different

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